Name: 你不知道的瘋狂日本保險 (Crazy Japan Insurance You Don't Know About)
Uploaded: 2025-07-20T19:04:12.000Z
Duration: 12 min 12 s

Did you know japan has some of the craziest insurance plans in the world?

你知道日本有一些世界上最瘋狂的保險計劃嗎？

第二類條件句型

Well, if you didn't then you're gonna find out in this video from holding one insurance to stocker insurance All the way to train groping insurance.

好吧，如果你不知道，那麼你就會在這段視頻中找到答案，從 "持有一個保險 "到 "庫存保險"，一直到 "火車摸索保險"。

程度副詞

Yeah when I first heard about these I was quite surprised myself So I thought it would be fun to share a bunch of them and take a deeper dive into each one You can let me know in the comments if you have similar ones in your country And if not, would it be useful in your country?

是的，當我第一次聽說這些東西時，我自己也很驚訝，所以我覺得分享這些東西會很有趣，並對每種東西進行深入探討。如果你的國家也有類似的東西，可以在評論中告訴我；如果沒有，它在你的國家有用嗎？

But before I start I want to say a quick Thank you to all of you who have supported the channel and got my paolo from tokyo premium kaminari hot sauce I know that we keep selling out especially with the original but we're working on trying to get some more in We do have some umami ocean still left You know the milder and cooler little brother that all the aunties love also i'm working on a more permanent location for the hot sauce Here in japan specifically in shibuya more info about this in the coming weeks Anyway, all this info will be listed on my site paolo from tokyo hot sauce dot com That said let me start with this one number one false molestation accusation aka train groping insurance So in japan this insurance covers attorney fees as well as a helpline That provides legal assistance in the event You are falsely accused of molestation aka groping someone on the train or anywhere else in public As well as if you are a victim of it seriously Like many of the ones i'm sharing today I was blown away to find out that something like this is even available when I talked about this with my japanese wife She wasn't surprised at all.

但在我開始之前，我想說的是一個快速的感謝你所有誰支持的管道，並得到了我的保羅從東京高級kaminari辣醬我知道，我們不斷售罄，尤其是與原始的，但我們正在努力嘗試得到一些更多的，我們確實有一些umami海洋仍然離開，你知道溫和和涼爽的小兄弟，所有的阿姨都喜歡，我也正在努力為辣醬在日本這裡更永久的位置，特別是在涉谷更多資訊，在未來幾周無論如何、所有這些資訊都會列在我的網站上，Paolo from TOKYO Hot Sauce dot com 說到這裡，讓我先說說這個頭號誣告猥褻罪又名列車摸索罪保險，在日本

I guess it just means that it's happening enough in japan where there's a demand for it So let me break it down in japan molesting someone For example groping them on the train bus or any other public location is strictly prohibited However, the reality is there are many cases in japan of false public molestation accusations where individuals are arrested Detained for the alleged act that they didn't commit and even course into confessing during the interrogation in such Situations the accused find them in a very extremely isolated predicament with little opportunity to explain their side of the story Basically in molestation cases physical evidence is often scarce So japanese courts tend to heavily favor the victim's testimony, which means that the defendant is often at a significant disadvantage So worst case scenario if you're falsely accused and arrested for this crime there's a risk of being held in a detention center or jail for up to 23 days until Prosecution if prosecuted you will have to remain in the detention center or jail until bail is granted where a final verdict is delivered So pretty scary if you're in this situation That's why it's nice to have a hotline if you ever find yourself here at the same time according to a 2024 report By japan's national police agency.

我想，這只是說明在日本，這種事情已經發生得夠多了，人們對此有需求，所以讓我來解釋一下、在這種情況下，被告會發現自己處於極度孤立的困境中 幾乎沒有機會解釋自己的一面之詞 基本上，在猥褻案件中，物證往往很少 所以日本法院往往更傾向於受害人的證詞是以，在最壞的情況下，如果你被誣告並是以罪被捕，你有可能被關押在拘留所或監獄長達 23 天，直到被起訴。根據日本國家警察廳 2024 年的一份報告，如果你發現自己同時被關在這裡，最好能有一條熱線。

There was a total of 2254 public molestation arrests in 2023 But surely this doesn't reflect the actual amount of occurrences as many victims often choose to remain silent and not report the incident And an interesting fact that I came across that's somewhat related a 2023 survey conducted by the tokyo metropolitan government revealed that Approximately 45 percent of women and about nine percent of men in japan reported having experienced Molestation in public at some point additionally 40 percent of the victims stated that they endured the situation or were unable to act when it occurred Highlighting that the arrest figures are just the tip of the iceberg.

2023 年，共有 2254 起公共場合猥褻被捕，但這肯定不能反映實際發生的數量，因為許多受害者往往選擇保持沉默，不報案。日本約有 45% 的女性和約 9% 的男性表示曾在公共場合遭受過猥褻，此外，40% 的受害者表示他們在猥褻發生時忍氣吞聲或無能為力。

So here's the breakdown of this public molestation Accusation insurance.

下面是這份公眾猥褻指控保險的明細表。

First of all, it costs 590 yen a month and here's what it covers attorney fees up to 3 million yen about 19 000 u.s Dollars legal consultation fees up to a hundred thousand yen about 640 Personal liability up to 10 million about sixty four thousand dollars And as I said earlier, it provides a call helped us in the event You are detained and for those who are familiar with japan and understand how important one's reputation is Probably can also understand why such an insurance exists This type of accusation is so serious that in the past there was a case where a 25 year old male working at a university Got mistakenly accused of train molestation passing a woman on the shinjuku train platform He was interrogated by the police that night and the next day committed suicide Apparently it came out later that the women misidentified the man pretty freaking crazy, right?

首先，它的費用為每月 590 日元，以下是它所涵蓋的內容 律師費最高達 300 萬日元，約合 19 000 美元。法律諮詢費最高可達 10 萬日元 約合 640 個人責任最高可達 1 千萬美元 約合 6.4 萬美元 正如我之前所說的對於那些熟悉日本並瞭解一個人的聲譽有多重要的人來說，大概也能理解為什麼會有這樣一份保險。 這種指控非常嚴重，過去曾發生過這樣一起案件：一名在大學工作的 25 歲男子在新宿電車站臺上與一名女子擦肩而過時被誤認為在電車上猥褻，當晚他被警察審問，第二天自殺身亡。

Number two hole-in-one golf insurance So in japan It's customary for the person who gets a hole-in-one when playing golf to pay for the celebration or the event Commemorating the achievement which could quickly add up and in some cases can reach up to a million yen around 6400 us dollars basically, it's a proper japanese party so you're paying for the event place food drinks a commemorative gift for all the guests a Commemorative tree planting at the golf course and even a tip for the caddy and accompanying players now Many companies offer this insurance with various rates and coverage So it really depends on where you go But for example one popular company in japan offers the insurance for 210 yen about one dollar and thirty cents per month And they'll cover up to three hundred thousand yen about nineteen hundred dollars Obviously the hole-in-one does need to be verified and witnesses present.

第二項一桿進洞高爾夫保險 在日本，打高爾夫時打出一桿進洞的人通常要為慶祝活動或紀念成就的活動買單、很多公司都提供這種保險，費率和覆蓋範圍各不相同，是以這取決於您去哪裡購買。例如，日本一家很受歡迎的公司提供的保險費為每月 210 日元，約合 1 美元 30 分。顯然，"一桿進洞 "需要驗證和證人在場。

But yeah, japan does have this insurance I think it makes sense though why it exists I'm, sure a lot of japanese golfers would dread making a hole-in-one if they knew that they were on the hook for this customary event Fortunately for me, I don't need to get insurance because I don't play golf But if you play golf in japan, would you get it for yourself number three problem child insurance?

但是，是的，日本確實有這種保險，我認為它的存在是有道理的，我敢肯定，很多日本高爾夫球手會害怕一桿進洞，如果他們知道他們要為這一習俗事件負責的話。

So it's not exactly marketed as crude as this but in japan There does exist a school life peace of mind insurance covering problems and damage caused by kids, you know in japan There's a deep sense of responsibility and even shame that parents feel when their kids cause trouble for others So when these issues arise parents will want to rectify the situation as soon as possible Which includes any financial burden that their kid caused hence the existence of this insurance Let me share with you some examples You have a kid that often throws tantrums and damages other people's property or even injures others Or you have a kid that is clumsy and often breaks things or maybe even you have a kid with a physical disability Personality or mental disorder or anything of this nature where they may inadvertently damage things or hurt others and apparently Statistics show that 60 of parents in japan are worried about their children causing problems While 40 have actually experienced it and 15 of parents actually have this insurance to help reduce their anxiety This insurance starts out about 200 yen about a dollar 30 per month and it covers Compensation liability up to 10 million yen about 64 000 u.s Dollars for damaged property or injury personal conflict consultation fees up to 50 000 yen about 320 dollars Transfer expenses up to a hundred thousand yen about 640 In the event that the child needs to change schools and any cost related to this personal belonging damage compensation about a hundred thousand yen About 640 dollars even mountain rescue and search expenses up to 3 million yen about 19 000 And finally pre-lawyer appointment consultation and lawyer fees.

在日本，確實有一種 "學校生活安心保險"，承保孩子們造成的問題和損失、在日本，當孩子給他人造成麻煩時，父母會深感責任重大，甚至感到羞愧。是以，當這些問題出現時，父母會希望儘快糾正這種情況，其中包括孩子造成的任何經濟負擔。您的孩子有身體殘疾 人格障礙或精神障礙或任何此類性質的問題，他們可能會在不經意間損壞物品或傷害他人。 統計數據顯示，日本有 60 位家長擔心他們的孩子會造成問題，而有 40 位家長有過實際經歷，其中有 15 位家長實際購買了這種保險，以幫助減少他們的焦慮。如果孩子需要轉學，與此相關的任何費

So my son's only four years old right now So he's not causing too much damage in the world at the moment But if things do go wonky in the future, I may have to look at this one again So before we continue one, I want to give a quick shout out to the sponsor of this video Squarespace now if you don't already know squarespace is the number one way to build your online presence In fact, I use squarespace for my website Tokyo Zebra Here are just some of the reasons why I love using squarespace so much by combining two decades of industry-leading design expertise with cutting-edge Ai technology squarespace can unlock your strongest creative potential to build a beautiful more personalized website tailored to your own specific needs Check it out My home page even shows my latest videos for both of my channels You can even start with a fully custom on-brand website with squarespace's ai enhanced website builder blueprint Ai after a few questions the design system transforms basic information about your brand or business into an elevated online presence If you want to sell products online physical digital or service products squarespace has you covered invoice your clients?

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No problem with squarespace So there you go Go to squarespace.com today for your free trial and when you're ready to launch go to squarespace.com forward slash paolo from tokyo And get 10 off your first domain or website number four lonely death insurance So when I first heard about this insurance, I thought it was for the lonely person or their family But it's actually for japan rental property owners in the event that their tenants pass away on their property Like inside of their apartment without anyone knowing in some cases for weeks or even months It sounds kind of sad But the reality is in japan the number of elderly single households is increasing So dying alone in the home is becoming more common There's one case where a 60 year old man died alone in his apartment the cost to restore the apartment was about 1 million yen about 6400 and miss rent was about 3200 the owner commented on the situation as saying it was very difficult to be considerate of the other tenants Since it happened in the summer the accident caused a horrible smell So I personally went around with a gift to apologize for the inconvenience cause also finding a renovation service was quite challenging as the workers Would only accept the job after I cleaned deodorized and disinfected the entire area about three times myself And according to the ministry of health labor and welfare's population dynamic statistics there were about 1.56 million deaths in japan in 2022 and about 270 000 of those deaths occurred in the home about a 4.6 percent increase from 10 years prior The insurance plan itself costs about 280 to 390 yen about a dollar and 80 cents to two dollars and 50 cents Per room covering cleaning and restoration costs as well as the expenses for arranging the removal of the deceased Belonging up to a million yen about six thousand four hundred dollars per incident also rent compensation up to 80 For vacant units with a maximum limit of two million yen about twelve thousand eight hundred dollars per incident Finally incident compensation about fifty thousand yen about three hundred and twenty dollars So yeah This one was a little bit dark But it goes to show you that japan has insurance for a lot of random things and number five Stalker insurance.

有了 squarespace 就沒問題了，現在就去 squarespace.com 獲取免費試用版，當您準備好啟動網站時，請訪問 squarespace.com forward slash paolo from tokyo 你的第一個域名或網站將獲得10%的折扣 第四個孤獨死亡保險 當我第一次聽說這個保險時但實際上，它是為日本租房業主提供的，如果他們的租客在自己的房產內去世，比如在公寓內去世，而沒有人知道，有的甚至幾周甚至幾個月都不知道，這聽起來有點悲傷，但現實情況是，在日本，老年單身家庭的數量正在增加，

Well, leave it to japan to have this type of insurance I'm sure it's pretty intense to have to go through something like this So if you're a victim having an insurance that specifically addresses all of the expenses and financial burden related to being stocked is Probably comforting see in 2023.

所以，如果你是受害者，擁有一份專門解決與庫存相關的所有費用和經濟負擔的保險，可能會在 2023 年讓你感到欣慰。

There are 1444 cases reported to the police an increase from the previous year by 19.6 percent interestingly 77.6 of the victims were female and 22.4 of them were male and about 47 Of the stalkers were partners or partners from the past that said i'm sure that many more cases go unreported Anyway, this insurance costs about 500 yen about three dollars and 20 cents per month and covers a security service up to 2.4 million yen about fifteen thousand dollars emergency relocation And hotel fees up to ten thousand yen about sixty four dollars per night up to fourteen nights a remote emergency call button device Moving fees up to four hundred thousand yen about twenty five hundred dollars and legal consultation So honestly having a stalker is no joke and pretty scary stuff But I think good on japan for having something like this in place if someone really needs it But what do you guys think is it useful or is it too much?

有趣的是，77.6%的受害者是女性，22.4%是男性，約 47%的跟蹤者是伴侶或過去的伴侶，我相信還有更多的案件沒有報告。400 萬日元，約合 1.5 萬美元的緊急搬遷費 以及最高 1 萬日元，約合每晚 644 美元，最多 14 晚的旅館費 遠程緊急呼叫按鈕裝置 最高 40 萬日元，約合 250 美元的搬家費和法律諮詢費

Anyways, these are some of the most interesting insurance plans that I found in japan Let me know in the comments what you guys thought of these plans Let me know if you have them in your country And if you don't would you like to have any of these in your country because you think they're useful Like always if you like this video help me out and hit that like button If you guys want to help support the channel Then definitely check out my merch check out my hot sauce And if you guys want to see any more videos like this or anything related to japan Hit that subscribe button and the bell button and i'll catch you guys in the next one

總之這些是我在日本找到的最有趣的保險計劃，請在評論中告訴我你們對這些計劃的看法，讓我知道你們的國家是否有這些計劃。如果你們想支持我們的頻道，請一定要看看我的商品，看看我的辣醬，如果你們想看更多類似的視頻或任何與日本有關的視頻，請點擊訂閱按鈕和鈴鐺按鈕，我會在下一個視頻中與你們見面。