Contents special clause

An insurance claim can be made for damage to personal property (household contents) belonging to the policy holder, the policy holder’s spouse or immediate family (living in the same house) as a result of accidental breakage, fire, explosion and flood.

Note 1)	The amount to be compensated is calculated to cover the cost of replacing the insured object (same quality, application, size, shape, function) damaged at that time and in that place, minus 5,000 yen to be paid by the owner. In the case of precious metals, jewelry and artwork, the maximum to be paid will be 300,000 yen per piece, up to a maximum of five pieces (1,500,000 yen).
Note 2)	If the insured object(s) is damaged outside the house, the maximum to be paid will be limited to 500,000 yen.

Liability for damages special clause

The policy holder and the policy holder’s family are entitled to an insurance benefit to cover any compensation legally required resulting from an accident causing death or injury to another person, or damage to another person’s property. This coverage does not apply to work-related accidents or accidents involving cars, motorbikes or scooters.

Unauthorized Use of Payment Cards and Personal Information Special Clauses (i Secure)

Damage from unauthorized use of Payment Card, Personal Information

The following Compensation will be paid if you suffer monetary damage as a result of unauthorized use of personal information and payment card.

Example:

• Someone acquires your PIN number (security number) by illicit means and withdraws money using your credit card or loan card.
• Someone enter into an installment sales contact using your personal information such as address, name and birth date acquired by illicit means.
• Someone acquires personal information stored in your computer, and use it to wire money from your Internet banking account to another account.

Note:
"Payment Card" refers to cards and saving certificates including Bank Cash Cards, Credit Cards, Loan Cards, which are used to purchase items and rights, acquire services, burrow money and withdraw money from an account. It does not include prepaid vouchers including prepaid cards and cyber money.

Note:
Unauthorized use of Personal Information” is when a third party acquires personal information of the insured (person covered by the policy), and makes unauthorized use of it to inflict damage to the property of the insured (monetary damage). It does not include non-monetary infringement of rights such as breach of privacy.

AIU will provide the following compensation

Payment Card Damage

・Compensation for damages resulting from unauthorized use of Payment Card. Insurance Amount for Unauthorized Use of Payment Cards (*1) : Each Incident: Up to 1 million yen(Insured shall pay: 30,000 yen)

Fee for Legal Consultation

・Compensation for fees from consulting attorneys etc. on unauthorized use of personal information. Insurance Amount for Legal Consultation : Each Consultation: Up to 10,000 yen Each Incident: Up to 50,000 yen

Attorney Fee

・Compensation for attorney fees for trials etc. Insurance Amount for Attorney Fees etc. : Each Incident: Up to 3 million yen(Insured shall pay: 30,000 yen)

*1) If other compensation is paid by law etc. for the monetary damage, such amount shall be deducted.

ATM Robbery

Compensation will be paid for monetary damages and any injuries sustained if you are robbed after withdrawing money from ATM machines etc. (including bank counters).

Example:
Someone diverts your attention by telling you that you have something on your clothing, and meanwhile your wallet is taken in the process. Someone sprays mace on you, and steals your bag containing your wallet.

Note:
"ATM Robbery" refers to money stolen within one hour after it is withdrawn from an ATM machine etc. (including bank counters).

AIU will provide the following compensation

Damage from ATM Robbery

・Compensation will be paid for the amount stolen after withdrawing from an ATM machine. Insurance Amount for ATM Robbery (*2) : Each Incident: Up to 2 million yen (Insured shall pay: 30,000 yen)

Injury from ATM Robbery

・Compensation will be paid for injuries sustained as a result of an ATM Robbery. Insurance Amount for Injury Sustained from ATM Robbery : Resulting in Death: Insurance payment for funeral: 1 million yen Insurance payment for hospitalization: Maximum 100,000 yen Insurance payment for treatment: Maximum 50,000 yen

Attorney Fee

・Compensation for attorney fees for trials etc. Insurance Amount for Attorney Fees etc. : Each Incident:Up to 3 million yen(Insured shall pay: 30,000 yen)

*2) If payment is made under another insurance (incl. special clauses),such amount shall be deducted.