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 Mutual aid and insurance for a secure student life

(1)Optional automobile insurance
 Optional automobile insurance is an insurance you can enroll in to prepare for accidents where the amount of compensation paid from the legally-required automobile liability insurance will be insufficient or accidents where you have to compensate the other party for property damage (Incidentally, if you wish to apply for a parking permit, you will need to enroll in this optional insurance.)
 If you do not enroll in this insurance, there is a risk of you being subject to a huge financial burden in the event of an accident in which you have to pay compensation to the other party or an accident in which you have personally incurred medical expenses or have suffered a disability.
 So to be prepared for unexpected accidents, make sure you take out optional insurance even for a scooter etc. The Kanazawa University Student Co-operative Union can introduce you to an insurance broker that you can use to take out a policy online.

Messages from senior students-38-

Automobile liability insurance only covers injury or deathIt’s useless if, for example, you crash into a wall, so you also take out optional insurance.

(2)Student comprehensive mutual insurance
 This is a mutual aid scheme that is handled by the Kanazawa University Co-operative and underwritten by the Japan Co-operatives Mutual Aid Federation. It provides coverage for hospitalization/surgery for illness and hospitalization/surgery, and hospital visits for injury.
 The coverage responds to the wide range of activities of university students, including not only on campus but also off campus while working part-time or travelling (in Japan or overseas). In addition, 24-hour, 365-day telephone counselling on physical, mental, and life-related matters is available exclusively for members of the student comprehensive mutual insurance, free of charge.
 For more information, check the Kanazawa University Co-operative website.

Messages from senior students-39-

“When I was hospitalized with appendicitis, I was already enrolled in mutual life, so I was able to receive a payout. It’s useful for those times when something unexpected happens. If you need to submit a diagnosis certificate, confirm the prescribed format for it.”

(3)Student liability insurance
 This insurance covers you for legal liability that you might incur if, for example, you injure someone while riding your bicycle or leave a tap running in your apartment and flood the apartment below, damaging the occupant’s property. You can enroll at the Kanazawa University Co-op. “Student liability insurance” covers damages caused by bicycle accidents and other accidents in daily life, and “student liability insurance (with a special clause for students living alone)” covers damages to household goods caused by fire, water leakage, etc. , as well as tenant liability to the landlord. For more information, check the Kanazawa University Co-operative website.

(4)Co-op Student Life #110
 We can introduce students 24 hours a day and 365 days a year to consultation services and the desks of organizations that can help them with various worries that they might have. For example,students can obtain help with problems involving bicycles, scooters, and cars, visits from professionals when they have problems with their plumbing, windows, and locks (available either free or at special prices for members), consultations concerning malicious business practices, and life-consultation support involving information about various facilities (free of charge).
 For more information, check the Kanazawa University Co-operative website.

Messages from senior students-40-

“When my bicycle had a puncture, I was able to get it fixed the same day and for only 1,000 yen. They also changed the lock for free, so this is a useful scheme to join as a way of being prepared for those moments when you’re in a pinch.”

(5)Volunteering insurance
 If you going to be volunteering and want to have peace of mind, be sure to sign up for volunteering insurance.
 It provides coverage for situations where, for example, you break some furniture at a facility you’re volunteering at, injure somebody at the facility, or suffer an injury yourself.
 You can enroll at the Ishikawa Council of Social Welfare Volunteer Center (Tel 076-234-1616) or the Council of Social Welfare for your own municipality.

Messages from senior students-41-

“The number of students engaging in volunteering activities has been on the rise in recent years, but not all locations for volunteering are safe, so just to be on the safe side I recommend you take out insurance!”

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