Kansai Enko 87 Ryoko |top| Jun 2026

| Feature | Description | |---------|-------------| | | Internal development identifier; the number was chosen because the project began in FY 2022 (the 87th internal R&D initiative). | | Target Audience | Japanese residents aged 20‑45 who travel abroad at least once a year, including solo backpackers, digital nomads, and families on short‑term vacations. | | Coverage Scope | • Medical expenses (up to ¥30 million per incident) • Emergency evacuation and repatriation • Trip‑cancellation & interruption (up to 120 % of prepaid costs) • Luggage loss & personal effects • “Remote‑Work Shield” – coverage for equipment loss, data‑breach liability, and temporary accommodation when a home‑office setup is disrupted abroad. | | Premium Model | Tiered, usage‑based pricing via a mobile app: ‑ Basic (¥1,200/yr) – standard medical + trip‑cancellation ‑ Plus (¥2,300/yr) – adds remote‑work shield and higher luggage limits ‑ Premium (¥3,800/yr) – full coverage, including pre‑existing‑condition waivers for low‑risk conditions. | | Digital Experience | • Real‑time claim filing with AI‑driven document recognition. • 24/7 multilingual chat support (Japanese, English, Mandarin, Korean). • “Travel Health Hub” – a curated library of country‑specific health advisories, vaccination requirements, and tele‑medicine links. | | Launch Date | 15 March 2023 (coinciding with the start of Japan’s “Golden Week” travel season). | | Distribution Channels | Direct‑to‑consumer via the Kansai Enko app, travel‑agency partnerships (JTB, HIS), and online travel‑booking platforms (Rakuten Travel, Expedia Japan). |