In addition to your own health insurance, KCP provides students with minor medical and accident coverage that begins the day after arrival in Japan and lasts through the last day of the program. However, KCP coverage is designed as a “top up” policy only. Students must be insured through another insurance policy while in Japan or while on any independent travel excursion. It is your responsibility to secure additional coverage before departing for Japan.

Included in the KCP coverage
Item	Amount
Medical Expense by Accident	¥550,000
Death by Accident	¥3,000,000
Medical Expense by Sickness	¥530,000
Death by Sickness	¥3,000,000

Amounts are for current coverage as of August 2007, and are subject to change without notice.

Make sure your existing plan will cover you while abroad. Read through the insurance policy thoroughly to understand your plan’s limitations. The KCP plan does not cover major medical, and exclusions include: (1) dental disease; (2) pregnancy, childbirth, premature birth, or miscarriage; (3) any pre-existing condition.

Students who visit a doctor while in Japan may have to pay out-of-pocket fees.

Students planning to attend KCP longer than one term and who will therefore be obtaining a long-term visa will participate in National Health Insurance. These students will be responsible for any charges to join and maintain National Health Insurance coverage.

Students who do not have health insurance or who wish to purchase additional insurance may find the following links useful:

CISI—Cultural Insurance Services International 800.303.8120
www.culturalinsurance.com


CMI Insurance 800.677.7887
www.studyabroadinsurance.com


HTH Worldwide 888.350.2002
www.hthstudents.com