Citizen activity insurance QA

Covers two types of accidents: liability accidents and injuries.

(1)Liability liability accidents
Injuring another person, destroying another person's property, and liable for legal damages during volunteer activities.

(2)Injury accident
In case of death or injury during volunteer activities. Payment is made for deaths or injuries due to sudden and accidental outpatient accidents, not due to illness.

Registration and application is not required.
There is no need to pay insurance premiums (Yokohama City pays it.) 。
After the accident occurs, you will need to do so.
The procedure requires documents that objectively understand the contents of volunteer activities, such as group rules and activity plans.
If you cannot confirm the activity details in the documents, you will not be eligible for social movement insurance, so please clearly state the activities of the group on a daily basis and arrange the list of activists and activity plans.

This activity meets all of the following four requirements:

1. Neighborhood Association Neighborhood Associations
2. Non-payment (excluding actual expenses such as transportation expenses)
3. Activities that are continuously and systematically implemented
4. Activities with Public Interest

It is eligible.
Items that are consumed during activities such as transportation expenses, food expenses, materials, and other activities are not considered compensation.
Money paid as compensation for labor or items with the nature of increasing every hour are regarded as compensation regardless of the amount of money.

Not applicable.
Cleaning of common areas, such as housing complex and condominium premises, is a common activity.
In addition, when cleaning the surrounding public roads and parks as well as the premises, it may be targeted as public beautification activities.

Cleaning of places used by unspecified large numbers of people, such as parks, is a public interest activity, so if other requirements (see Question No 3), such as continuous and planned activities, are met It is eligible.

Accidents on the round-trip route are also eligible.
However, please note that if you stop by somewhere for private use, it may not be eligible.

Not applicable.
Since social movement insurance is intended for volunteer activists, it does not cover accidents of visitors and participants at events and events.
However, committee members who plan and operate events to hold public interest events are eligible.

※Insurance to compensate for accidents of participants, such as visitors to events and events, there are recreational insurance that each insurance company handles.

Not applicable.
This is because training is a mutual aid activity and does not directly contribute to society or others.
However, training planners and leaders are eligible. The same applies to training. Please clearly state the activists and roles in advance.

Accidents caused by natural disasters such as earthquakes, eruptions, and tsunami.

※As insurance for volunteer workers who compensate for injuries caused by natural disasters, there is "Volunteer Activity Insurance (Natural Disaster Type)" of the Japan National Council of Social Welfare of the Social Welfare Corporation.

Not applicable.
This is because social movement insurance is intended for public interest activities that are being implemented continuously and systematically. Temporary goodwill actions and sudden lifesaving are not eligible.

(1)(2)It is not applicable.
Accident liability accidents caused by automobiles are not covered.
(3)・・ ・ It is eligible. If the volunteer activist (driving, lead, etc.) is killed or injured, it will be subject to injury.

If the contents of the settlement cover the amount within the legal liability, the amount can be covered by the insurance money (within the insurance limit).
However, even if you have no legal liability, you pay an exemption for moral reasons, pay a large amount of litigation unnecessarily even if you are liable, or pay dispute expenses without obtaining the consent of the insurance company. If you do, the insurance money will be paid only objectively reasonable amount, so you may not be able to cover the amount of compensation with insurance money.
Please let us know before making an appointment between the parties concerned.

Not applicable.

Death or injury due to sudden and accidental outpatient accidents are eligible.

Bacterial food poisoning is not applicable.

Poisoning symptoms are covered by this insurance are accidentally and suddenly (temporary) inhalation of toxic gas or toxic substances from outside the body, such as gas poisoning, resulting in poisoning symptoms. However, poisoning symptoms when poisonous substances are mixed in food are eligible.

Hospitalization and outpatient insurance payments are not paid based on actual expenses, but are so-called flat-rate payment that pays 3,500 yen per day for hospitalization and 2,500 yen per day for outpatient visits.