Berlitz Union

Overseas Travel Insurance

Berlitz maintains 'Overseas Travel Insurance' for its foreign national employees. Instead of automatically enrolling foreign nationals into the Japanese Public Social Welfare System,
Berlitz illegally uses this travel insurance scheme in its place. This saves the company money on premiums as the costs for the Japanese Public Social Welfare System are split between employee and company.

The insurance policy displayed in the teachers' rooms dates back to 1 January 1992. The policy described in the Berlitz Policy and Procedures Manual is also out of date.

The current policy has recently been switched to a new agent from Willis Japan Ltd.
The new agent is Benesse Insurance Service Inc. Benesse is the parent company of Berlitz.

Scope of Policy
According to Berlitz Policy and Procedures this insurance policy applies to foreign national employees who work a minimum of 120 units per month, and/or teaches 120 units per month.

Dependents of eligible employees are also covered if they reside in Japan and receive an income of less that 1,000,000 yen per year.

The cost of the premiums are paid by the employer.

The following is the most recent information on the new policy.

Benesse Insurance Service Inc.
Benesse Corporation Tokyo Bldg. 1F
1-34 Ochiai Tama City
Tokyo 206-0033
(as of 28 December 2004)

Changes of Berlitz Overseas Travel Accident Insurance Service

Please be informed that "Berlitz Overseas Travel Insurance" Service changes as from 1st January, 2005.

The major changes are as follows:

(1) Change of agency:
Due to the termination of the current contract (ended 31 December, 2004) with Willis Japan Ltd., new service is started at Benesse Insurance Service, Inc.

(2) According to the replacement above, as from 1st January 2005, please contact us when you need any assistance or have any questions for your insurance claim.

Benesse Insurance Services, Inc.
Tokyo Branch Office
Tel: 042-356-3751       Fax: 042-356-3776
Office Hours: Monday to Friday 9:00 to 17:00
(except national holidays)
E-mail: mailto@benesse-insurance.com

When you make a claim, please obtain a claim form from the attached envelope from your Berlitz Branch office, and send the required documents to the address above.

For further enquiries, please do not hesitate to contact Benesse Insurance Services, Inc.

N.B
No changes in terms of the coverage, benefit and Insurer according to this replacement.
(The new agent displays a different term of benefit with regard to Sum Insured as per the Policy and Procedures Manual. The new benefit sees a decrease as the summary of policy below displays)

Berlitz Japan, Inc.

Overseas Travel Accident Insurance (OTAI) Policy
Written by Benesse Insurance Service, Inc. (BIS)

Brief Summary of Cover

A. ACCIDENTAL DEATH / DISMEMBERMENT
A fixed payment is made in the event of death as a result of an accident within 180 days commencing from the date of the accident.

In the event of permanent physical disablement resulting from an accident within 180 days commencing from the date of accident, insurer pays a proportion of the accidental death sum insured, the proportion depending on the extent of the disablement.

B. DEATH AS A RESULT OF ILLNESS
Again, a fixed payment in the event of death following illness during the policy period.

C. ACCIDENT - RELATED MEDICAL EXPENSES
Actual cost of Medical Expenses incurred as a result of accidental injury up to the sum insured for the section, but not to exceed the expenses necessarily incurred during 180 days commencing from the first day of the accident.

D. ILLNESS - RELATED MEDICAL EXPENSES
Actual cost of Medical Expenses incurred as a result of illness, up to the sum insured for the section, but not to exceed the expenses necessarily incurred during 180 days commencing from the first day of the treatment by a doctor of medicine.

.E. PERSONAL LIABILITY
This covers the loss sustained by the insured by reason that he or she is legally obligated to pay damages because of bodily injury of any other person or loss of, staining of, damage to or destruction of property of others caused by unexpected happening.

Dec-04

Sum Insured

Main Exclusion
1. Willful act of the policyholder or the insured.

2. Suicide acts of the insured, criminal acts of the insured, or the acts of aggressive violence initiated by the insured.

3. Accident occurring while the insured is driving an automobile or a motor-bicycle without having qualification to drive it in accordance with the statute of the place where the insured drives or under the influence of alcohol, narcotic, hemp, opium, stimulant, thinner or the like.

4. War, military act of foreign nations, revolution, insurrection, civil war, armed rebellion or other similar disturbance or riot (for the purpose of this exclusion "riot" means the state of affairs in which national or local good order is seriously disturbed by collective action of a group or groups of persons, and in which a serious threat to peace and order is deemed to exist).

5. Nuclear radiation or radioactive contamination.

6. Claims resulting from pregnancy, childbirth, premature birth or miscarriage.

7. Claims resulting from dental disease.

8. Expense for regular health check.

9. Expense for the treatment with acupuncture or chiropractic by an un registered medical practitioner. However, this exclusion does not apply to a bone setting treatment recommended by registered medical practitioner.

NOTE: This schedule of insurance has been prepared solely for the convenience of the client and should not be construed as an exact and binding analysis. In case of claims or questions with regard to interpretation and coverage, the original policies will prevail as the sole binding documents.