justInCase, Inc. and justInCaseTechnologies, Inc. (CEO: Kazy Hata, “justInCase”) offers simple and affordable COVID-19 Cover (https://medical.justincase.jp/)starting May 1, 2020.

Amid the rise of various needs of protection against new coronavirus since its outbreak, we, as an insurer, are committed to serve and support those who are economically vulnerable, face financial difficulties and are exposed to risk of disease infection due to work. We provide COVID-19 Cover for customers to prepare risk of infection for themselves and also their family and friends who are distanced from each other.

It is undoubtedly a challenge to provide new medical insurance for unprecedented virus pandemic, and it was not an easy decision to make. However, with justInCase’s strength of rapid platform development and strong team collaboration, COVID-19 Cover is successfully launched today.

In addition, to promote and adopt the concept of mutual aid, justInCase will donate the net proceeds from COVID-19 Cover , after the deduction of necessary expenses, to medical institutions through Japanese Red Cross Society.

About COVID-19 Cover

• Procedure is completed on smartphone or web, no face-to-face contact with people is required
• A lump sum benefit payment of ¥100,000 for hospitalization for 2 days 1 night or longer
• Those who are diagnosed with new coronavirus and treat it at home are also covered
• Coverage is effective immediately after the completion of purchase process
• Affordable premium (on monthly basis as shown below)
  

  Entry age of the insured	Male	Female
  15～19	￥580	￥560
  20～24	￥560	￥660
  25～29	￥530	￥940
  30～34	￥510	￥960
  35～39	￥530	￥760
  40～44	￥580	￥650
  45～49	￥610	￥630
  50～54	￥640	￥670
  55～59	￥710	￥710
  60～64	￥730	￥770

Comments from justInCase CEO Kazy Hata

“Is there anything we as an insurer can do or do more?”
In the midst of the ongoing coronavirus crisis, we have started working remotely to try our best to prevent from infection, while there are still many people who are exposed to the risk of infection in order to support basic living for society and provide medical services to the infected patients.
More and more companies and employees become economically vulnerable. People are not only worried about themselves being infected but also their loved ones being especially in the current situation where even meeting each other physically is difficult.

“What can we do?”
In response to this, all justInCase’s members unanimously decided to take on the challenge of offering COVID-19 Cover to donate the net proceeds from this insurance to medical institutions, as our gratitude to their selfless service.

We will continue leading by example of what we can do to promote mutual support through insurance.

Q&A

Q. Am I covered in the case of treating new coronavirus at home after being tested positive?
A. If you are recommended to receive medical treatment at temporary facility (a facility that is regarded as a hospital), accommodation facility or at home, you are required to submit your doctor’s certificate to be eligible for the lump-sum payment.

Q. Are there other diseases covered besides the new coronavirus?
A. Yes, illnesses and injuries associated with hospitalization of 2 days 1 night or longer are also covered. Those who are hospitalized for diseases other than viruses have a higher risk of infection and are more vulnerable mentally and economically. In the current unstable situation due to the new coronavirus, helping those who are injured or ill is equally crucial.

Q. When will the contract start if I apply now?
A. The contract will start immediately once the settlement of the premium payment is complete. It has no waiting period. The premium for the current month will be prorated from the contract start date to the end of the month.

Q. How can I make a claim?
A. Please prepare the medical record or receipt (*) issued by a medical institution at hand and make a claim from user’s portal page (https://portal.justincase.jp).
* Please take a clear picture of your medical record or receipt so that we can identify the patient’s name, medical billing period (date of admission and discharge), and name of the hospital.
If you are diagnosed with new coronavirus and are treated by doctors at a temporary facility (a facility that is equivalent to a hospital), an accommodation facility, or home, please prepare a doctor’s certificate In principle, please prepare a doctor’s certificate, or any other alternative documents upon request.
You can apply for a claim before you discharged from the hospital, if you can confirm the injury or illness that cause the hospitalization and the length of hospitalization.

About justInCase

As a small-amount and short-term insurer founded in 2016, justInCase aims to create value through innovation to make insurance become interactive. By utilizing Machine Learning, Artificial Intelligence and other innovative technologies, justInCase aims to offer insurance products and services around the world that are yet to exist. (https://justincase.jp/eng)

About justInCaseTechnologies

Established in 2019, justInCaseTechnologies provides reliable and seamless insurance API technology and digital platform solutions for justInCase, as well as other insurance and business partners in finance and healthcare fields. (https://justincase-tech.com/en/)

For any inquiries, contact:
Elaine Tung
pr@justincase.jp
1-6-1 Chiyoda Otemachi, Tokyo