7+ 損害保険傷害保険違い Article

【FP監修】人身傷害保険とは？その必要性は？搭乗者傷害保険との違いや保険金の支払い例も解説｜自動車保険一括見積り from insurance.rakuten.co.jp

Introduction

When it comes to insurance, there are various types of coverage that we can choose from depending on our needs. Two common types of insurance in Japan are 損害保険 (Sonnai Hoken) and 傷害保険 (Shogai Hoken). In this article, we will discuss the differences between these two insurance types and what they cover.

Sonnai Hoken

Sonnai Hoken, or property insurance, is a type of insurance that covers damages to your property caused by unexpected events such as fire, theft, or natural disasters. This insurance is often required if you own or rent a property, as it can protect you from financial losses due to damage or loss of your belongings.

What does Sonnai Hoken cover?

Sonnai Hoken can cover a wide range of damages such as: - Fire damage - Theft and burglary - Water damage - Earthquake damage - Typhoon damage If you own a business, you can also opt for business insurance which provides additional coverage for your equipment, inventory, and liability.

Shogai Hoken

Shogai Hoken, or personal accident insurance, is a type of insurance that provides coverage for injuries or disabilities caused by accidents or illnesses. This insurance is especially important if you have a high-risk job or engage in activities such as sports or outdoor activities that increase the risk of accidents.

What does Shogai Hoken cover?

Shogai Hoken can cover a wide range of injuries and disabilities such as: - Accidental injuries - Illnesses - Disability - Death This insurance can also provide additional coverage such as medical expenses, hospitalization, and loss of income due to disability.

The Differences between Sonnai Hoken and Shogai Hoken

Although both Sonnai Hoken and Shogai Hoken provide coverage in case of unexpected events, there are significant differences between the two insurance types. Sonnai Hoken covers damages to your property, while Shogai Hoken covers injuries or disabilities caused by accidents or illnesses. Additionally, Sonnai Hoken is often required if you own or rent a property, while Shogai Hoken is not mandatory but highly recommended, especially if you engage in high-risk activities.

Conclusion

In summary, both Sonnai Hoken and Shogai Hoken provide coverage in case of unexpected events, but they cover different things. It is important to understand the differences between the two insurance types and choose the one that best fits your needs. If you are unsure which insurance type to choose, it is recommended to consult with an insurance professional to help you make an informed decision.