Sources#

Source ids [S#]/[R#] are carried verbatim from _research/medical.md (the citation ground truth for this product) and are frozen — never renumber. Unused sources are omitted, so the numbering has gaps: R8 (令和6年簡易生命表) is retrieved in the research file but is not cited by the product documents, because the national life table this product’s mortality decrement is benchmarked against is reached through the cross-product entry REG-R25 instead. Access date for all sources: 2026-08-20. No sources were newly added at drafting. Cross-product [REG-R#] tags are listed in their own section at the end.

Two of the twelve primary documents — [S11] and [S12] — were downloaded successfully but could not be text-extracted (non-embedded CID-keyed fonts); they are retained here because the product documents cite them as the provenance of facts that are consequently tagged unverified, and an entry that records a failed extraction is worth more than a silently dropped source.

Several product-specific [R#] entries cover the same statute, notification or table as a cross-product [REG-R#] entry. Where the fact was extracted for this product, the documents cite the product-specific [R#]; where the load-bearing statement is the cross-product one — the redistribution restriction on the standard tables, the ESR regime, the market statistics — they cite the [REG-R#]. Both resolve to a retrieved document.

Primary product sources#

S1 — オリックス生命保険株式会社, 「契約概要／注意喚起情報」医療保険CURE Next／CURE Lady Next (契約締結前交付書面)#

  • Publisher: オリックス生命保険株式会社 (ORIX Life Insurance Corporation)

  • Document: 契約概要／注意喚起情報, 医療保険CURE Next［キュア・ネクスト］および医療保険CURE Lady Next［キュア・レディ・ネクスト］, file importance_cure_next_20250402.pdf (dated 2025-04-02 in the filename), 28 pp.

  • Doc type: 契約締結前交付書面 (pre-contract disclosure: 契約概要 + 注意喚起情報)

  • URL: https://www.orixlife.co.jp/importance/pdf/importance_cure_next_20250402.pdf

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded with a browser User-Agent, 28 pp., text extracted and read; p. 1 and parts of the cover use non-embedded CID fonts and extracted as mojibake — all substantive tables on pp. 2–28 extracted cleanly)

S2 — オリックス生命保険株式会社, 「無配当 無解約払戻金型医療保険（2022）ご契約のしおり／約款」 (policy booklet and conditions)#

  • Publisher: オリックス生命保険株式会社

  • Document: ご契約のしおり／約款, 無配当 無解約払戻金型医療保険（2022）, file yakkan_cure_next_20240402.pdf (dated 2024-04-02 in the filename), 244 pp.

  • Doc type: ご契約のしおり・約款

  • URL: https://www.orixlife.co.jp/medical/cure_next/pdf/yakkan_cure_next_20240402.pdf

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 244 pp., text extracted; the narrative and tabular pages extracted cleanly, the diagram captions and several 別表 (appendix) pages are image-only and did not extract)

S3 — オリックス生命保険株式会社, 「医療保険CURE Next［キュア・ネクスト］」商品ページ (product page)#

  • Publisher: オリックス生命保険株式会社

  • Doc type: product page (consumer)

  • URL: https://www.orixlife.co.jp/medical/cure_next/

  • Accessed: 2026-08-20. Retrieved: YES (HTML fetched with a browser User-Agent and converted to text; the published 月払保険料 table was read from the raw page text)

S4 — アフラック生命保険株式会社, 「ちゃんと応える医療保険EVER ご契約のしおり・約款」 (policy booklet and conditions)#

  • Publisher: アフラック生命保険株式会社 (Aflac Life Insurance Japan Ltd.)

  • Document: ご契約のしおり・約款,「ちゃんと応える医療保険EVER」(正式名称 医療保険〔無解約払戻金〕), file ever_77836200_77841700.pdf, 221 pp.

  • Doc type: ご契約のしおり・約款

  • URL: https://www.aflac.co.jp/yakkan/pdf/ever_77836200_77841700.pdf

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 221 pp., text extracted and read; a few illustration captions are image-only)

S5 — アフラック生命保険株式会社, 「医療保険に付加する特約 ご契約のしおり・約款」 (rider booklet)#

  • Publisher: アフラック生命保険株式会社

  • Document: ご契約のしおり・約款 for the riders attachable to the medical policy (ケガの特約, 総合先進医療特約〔2012〕, 入院一時金特約, 通院特約, 女性疾病入院特約, 三大疾病無制限型長期入院特約 ほか), file kega_senshin_iryo_77978800.pdf, 280 pp.

  • Doc type: ご契約のしおり・約款 (rider booklet)

  • URL: https://www.aflac.co.jp/static/yakkan/koushin/pdf/kega_senshin_iryo_77978800.pdf

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 280 pp., text extracted and read)

S6 — ライフネット生命保険株式会社, 「終身医療保険（無配当・無解約返戻金型）（2019）ご契約のしおり・約款」 (policy conditions)#

  • Publisher: ライフネット生命保険株式会社 (LIFENET INSURANCE COMPANY)

  • Document: ご契約のしおり・約款, 終身医療保険（無配当・無解約返戻金型）（2019）, edition dated 2026年6月, booklet code LN_BB_GAP-25, 65 pp.

  • Doc type: ご契約のしおり・約款

  • URL: https://www.lifenet-seimei.co.jp/shared/pdf/LIFENET_yakkan_iryo_latest.pdf (redirects to https://www.lifenet-seimei.co.jp/shared/pdf/LIFENET_yakkan_iryo_20260601.pdf)

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 65 pp., text extracted and read)

S7 — ライフネット生命保険株式会社, 「定期医療保険（無配当・無解約返戻金型）ご契約のしおり・約款」 (policy booklet and conditions)#

  • Publisher: ライフネット生命保険株式会社

  • Document: ご契約のしおり・約款, 定期医療保険（無配当・無解約返戻金型）, edition dated 2024年11月, booklet code LN_BB_CXD-170, 65 pp.

  • Doc type: ご契約のしおり・約款

  • URL: https://www.lifenet-seimei.co.jp/shared/pdf/LIFENET_yakkan_iryo_teiki_latest.pdf (redirects to https://www.lifenet-seimei.co.jp/shared/pdf/LIFENET_yakkan_iryo_teiki_20241125.pdf)

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 65 pp., text extracted and read)

S8 — ライフネット生命保険株式会社, 「終身医療保険」商品ページ (product page)#

  • Publisher: ライフネット生命保険株式会社

  • Doc type: product page (consumer)

  • URL: https://www.lifenet-seimei.co.jp/product/medical/whole-life-medical/

  • Accessed: 2026-08-20. Retrieved: YES (HTML fetched with a browser User-Agent and converted to text; the complete 月額保険料 scale by age and sex, rates as at 2026-06-01, was read from the raw page text, not from a summary)

S9 — メットライフ生命保険株式会社, 「終身医療保障保険（無解約返戻金型）ご契約のしおり・約款」 (policy booklet and conditions)#

  • Publisher: メットライフ生命保険株式会社 (MetLife Insurance K.K.)

  • Document: ご契約のしおり・約款, 終身医療保障保険（無解約返戻金型）引受基準緩和特則付 (brand 「マイ フレキシィ」), file f5wl_20251202.pdf (2025-12-02 edition), 515 pp.

  • Doc type: ご契約のしおり・約款

  • URL: https://www.metlife.co.jp/content/dam/metlifecom/jp/corp/pdf/yakkan/provision/f5wl/f5wl_20251202.pdf

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 515 pp., text extracted and read in the relevant ranges)

S10 — アクサ生命保険株式会社, 「医療保険（定期型）約款／重要事項説明書／ご契約のしおり」 (combined booklet)#

  • Publisher: アクサ生命保険株式会社 (AXA Life Insurance Co., Ltd.; the booklet is branded アクサのネット完結保険, formerly アクサダイレクト生命)

  • Document: 約款／重要事項説明書／ご契約のしおり, 医療保険（定期型）, Form No. AX-… (the form-number digits did not extract), 85 pp.

  • Doc type: 重要事項説明書 + ご契約のしおり + 約款 in one booklet

  • URL: https://www.axa-direct-life.co.jp/pdf/yakkan_m.pdf

  • Accessed: 2026-08-20. Retrieved: YES (full PDF downloaded, 85 pp., text extracted and read; the cover page and one logo block are image/CID and did not extract, including the form-number digits and the edition month)

S11 — SOMPOひまわり生命保険株式会社, 「健康をサポートする医療保険 健康のお守り」パンフレット (product brochure)#

  • Publisher: SOMPOひまわり生命保険株式会社

  • Document: パンフレット, file suport_omamori_health.pdf, 23 pp.

  • Doc type: 商品パンフレット

  • URL: https://www.himawari-life.co.jp/-/media/himawari/files/product/pamphlet/suport_omamori_health.pdf?la=ja-JP

  • Accessed: 2026-08-20. Retrieved: NO (HTTP 200, 23-page PDF downloaded successfully, but the file uses non-embedded CID-keyed fonts throughout and text extraction returned mojibake for essentially every substantive line; the booklet page https://www.himawari-life.co.jp/product/suport_omamori_health/booklet/ exposes only this one PDF link — the ご契約のしおり・約款 is behind a “Web約款” application, not a static file). Every fact attributed to this carrier (a 40日/60日/120日 choice of per-hospitalization limit, a 1,000-day aggregate, 手術給付金 at 40/20/10/5倍) rests on a search-result snippet and is tagged unverified wherever it appears.

S12 — 東京海上日動あんしん生命保険株式会社, 「メディカルKit R」重要事項説明書 兼 パンフレット (disclosure and brochure)#

  • Publisher: 東京海上日動あんしん生命保険株式会社

  • Document: 医療総合保険（基本保障・無解約返戻金型）健康還付特則付加［無配当］重要事項説明書 兼 パンフレット, file kitr3_pamphlet.pdf, 14 pp.

  • Doc type: 重要事項説明書 兼 パンフレット

  • URL: https://www.tmn-anshin.co.jp/bk/kitr3/pdf/kitr3_pamphlet.pdf

  • Accessed: 2026-08-20. Retrieved: NO (HTTP 200, 14-page PDF downloaded, text extraction returned mojibake — non-embedded CID fonts; a second candidate, https://www.bk.mufg.jp/sonaeru/hoken/syusin/pdf/tmn_medical_kit.pdf, 12 pp., downloaded and failed extraction in the same way). The 健康還付特則 (a premium-refund-at-a-stated-age feature on a medical chassis) is therefore recorded as a design that exists in the market but whose terms are unverified.

Regulatory and actuarial references#

R1 — e-Gov 法令検索, 保険業法 第3条（免許の種類と第三分野の定義）#

  • Publisher: e-Gov 法令検索 (デジタル庁) — 保険業法, 平成七年法律第百五号

  • Doc type: statute (article)

  • URL: https://laws.e-gov.go.jp/law/407AC0000000105 (article text retrieved through the e-Gov law API endpoint https://laws.e-gov.go.jp/api/1/lawdata/407AC0000000105)

  • Accessed: 2026-08-20. Retrieved: YES via the API (the HTML page at laws.e-gov.go.jp/law/… is JavaScript-rendered and returned only chrome to a plain fetcher; the API returned a 3.7 MB UTF-8 XML document from which Article 3 was extracted verbatim)

R2 — e-Gov 法令検索, 保険業法施行規則 第68条・第69条（標準責任準備金の対象契約／責任準備金の区分）#

  • Publisher: e-Gov 法令検索 — 保険業法施行規則, 平成八年大蔵省令第五号

  • Doc type: ministerial ordinance (articles)

  • URL: https://laws.e-gov.go.jp/law/408M50000040005 (retrieved through https://laws.e-gov.go.jp/api/1/lawdata/408M50000040005)

  • Accessed: 2026-08-20. Retrieved: YES via the API (30.2 MB XML; Articles 68 and 69 extracted verbatim, including 第69条第6項第1号の2, the separately identified 「第三分野保険の保険リスクに備える危険準備金」)

R3 — 金融庁, 「保険会社向けの総合的な監督指針」II－2－1－2 / II－2－1－4（責任準備金）#

  • Publisher: 金融庁 (Financial Services Agency)

  • Doc type: supervisory guideline (section view)

  • URL: https://www.fsa.go.jp/common/law/guide/ins/02b.html

  • Accessed: 2026-08-20. Retrieved: YES

R4 — 日本アクチュアリー会, 「標準生命表2018」（数値表）#

  • Publisher: 公益社団法人 日本アクチュアリー会 (Institute of Actuaries of Japan)

  • Document: 標準生命表２０１８, 5 pp. — 生保標準生命表2018（死亡保険用）男／女 and 第三分野標準生命表2018 男／女

  • Doc type: industry standard table (statutory valuation table)

  • URL: https://www.actuaries.jp/lib/standard-life-table/pdf/seimeihyo2018.pdf (index page: https://www.actuaries.jp/lib/standard-life-table/index2018.html)

  • Accessed: 2026-08-20. Retrieved: YES (5-page PDF downloaded, full numeric tables extracted — 年齢, lx, dx, qx, ex for every integral age)

R5 — 日本アクチュアリー会, 「標準生命表2018の作成概要」#

  • Publisher: 公益社団法人 日本アクチュアリー会

  • Document: 標準生命表２０１８の作成概要, 6 pp. (資料－①〜⑤)

  • Doc type: technical note accompanying the standard table

  • URL: https://www.actuaries.jp/lib/standard-life-table/pdf/seimeihyo2018-gaiyo.pdf

  • Accessed: 2026-08-20. Retrieved: YES (6-page PDF downloaded, text extracted and read)

R6 — 厚生労働省, 「令和5年（2023）患者調査の概況」#

  • Publisher: 厚生労働省 (Ministry of Health, Labour and Welfare)

  • Document: 令和5年（2023）患者調査の概況, 33 pp.

  • Doc type: official statistics summary (基幹統計)

  • URL: https://www.mhlw.go.jp/toukei/saikin/hw/kanja/23/dl/kanjya.pdf (index: https://www.mhlw.go.jp/toukei/saikin/hw/kanja/23/index.html)

  • Accessed: 2026-08-20. Retrieved: YES (33-page PDF downloaded, text extracted; the statistical tables 4–7 extracted as machine-readable numbers, figures 7 and 8 are charts whose data labels extracted but whose axes did not)

R7 — e-Stat 政府統計の総合窓口, 「患者調査 令和5年患者調査 全国編」統計表#

  • Publisher: e-Stat 政府統計の総合窓口 (host) / 厚生労働省 (statistic owner), 政府統計コード 00450022

  • Doc type: downloadable statistical tables (CSV / Excel)

  • URL: https://www.e-stat.go.jp/stat-search/files?page=1&toukei=00450022&tstat=000001224321&cycle=7&tclass1=000001224322&layout=datalist&tclass2val=0

  • Accessed: 2026-08-20. Retrieved: YES for the listing page (fetched with a browser User-Agent and the full table index read); the individual CSV/Excel files (Z69 入院受療率, Z111 and Z114–Z120 the 32-band length-of-stay distributions, Z121–Z123 平均在院日数, Z125/Z126 手術の有無別, Z83–Z87 再入院までの期間) were NOT downloaded in this session, so their column layouts and cell values are not verified here.

R9 — 厚生労働省 先進医療会議, 「令和5年6月30日時点で実施されていた先進医療の実績報告について」#

  • Publisher: 厚生労働省 (先進医療会議 資料 先－2－1 および参考資料1)

  • Document: 令和5年度（令和4年7月1日〜令和5年6月30日）実績報告, 13 pp.

  • Doc type: regulatory committee statistical report

  • URL: https://www.mhlw.go.jp/content/12404000/001178108.pdf

  • Accessed: 2026-08-20. Retrieved: YES (13-page PDF downloaded, per-technology tables extracted as machine-readable numbers)

R10 — 国税庁, タックスアンサー No.1140「生命保険料控除」#

  • Publisher: 国税庁 (National Tax Agency)

  • Doc type: tax guidance

  • URL: https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1140.htm

  • Accessed: 2026-08-20. Retrieved: YES

R11 — 国税庁, タックスアンサー No.1141「生命保険料控除の対象となる保険契約等」#

  • Publisher: 国税庁

  • Doc type: tax guidance

  • URL: https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1141.htm

  • Accessed: 2026-08-20. Retrieved: YES (the 住民税 caps are not stated on this page and are not asserted anywhere in the product documents)

R12 — 生命保険文化センター, 「2025（令和7）年度 生活保障に関する調査（速報版）」#

  • Publisher: 公益財団法人 生命保険文化センター (Japan Institute of Life Insurance)

  • Document: プレスリリース, 2025-10-23; survey fieldwork 2025-04-05 to 2025-06-11; n = 4,837

  • Doc type: industry survey (press release)

  • URL: https://www.jili.or.jp/press/2025/10212.html

  • Accessed: 2026-08-20. Retrieved: YES

R13 — 厚生労働省, 「医療給付実態調査」（統計ページ）#

  • Publisher: 厚生労働省 保険局

  • Doc type: official statistics landing page (政府統計コード 00450389)

  • URL: https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/iryouhoken/database/zenpan/iryoukyufu.html

  • Accessed: 2026-08-20. Retrieved: YES for the landing page, which is largely a pointer to e-Stat; the statistical tables themselves (件数・日数（回数）・点数（金額）by 疾病分類 × 診療種類 × 年齢階級) were NOT downloaded. A search snippet stating that the survey was discontinued after 令和5年度 could not be confirmed on the page and is unverified.

Cross-product references ([REG-R#])#

[REG-R#] tags resolve against the cross-product Japan reference library references/regulatory-and-actuarial-references.md (its own R-numbering, R1–R47, frozen; research provenance in _research/regulatory-actuarial.md). Entries cited by the medical documents:

  • REG-R1 — 保険業法 第3条: the 第一分野／第三分野 licence split, and why the third sector is writable under either licence. fetched_ok: yes.

  • REG-R2 — 保険業法 第4条: the 基礎書類, and why every pricing-basis parameter here is std while contractual parameters carry [S#] tags. fetched_ok: yes.

  • REG-R3 — 保険業法 第115条: 価格変動準備金 is driven by 株式等 and carries no percentage in the statute — cited here only to place it outside a liability projection. fetched_ok: yes.

  • REG-R4 — 保険業法 第116条: the delegation the whole 標準責任準備金 (hyōjun sekinin-junbikin, standard policy reserve) chain hangs on. fetched_ok: yes.

  • REG-R5 — 保険業法 第120条: appointment of the 保険計理人. fetched_ok: yes.

  • REG-R6 — 保険業法 第121条: the 意見書 and the statutory demand behind the 1号収支分析. fetched_ok: yes.

  • REG-R7 — 施行規則 第68条: which contracts are standard-reserve contracts. fetched_ok: yes.

  • REG-R8 — 施行規則 第69条: the reserve taxonomy and the 危険準備金 Ⅰ–Ⅳ subdivision, of which Ⅳ is the third-sector reserve. fetched_ok: yes.

  • REG-R9 — 施行規則 第30条の2: the four surplus-distribution methods — cited here only to record that this chassis is 無配当 and distributes nothing. fetched_ok: yes.

  • REG-R10 — 平成8年大蔵省告示第48号: 平準純保険料式, the table vintages and the 標準利率 reset machinery. fetched_ok: yes, but from an unofficial consolidated mirror.

  • REG-R11 — 告示48号改正 (2017): adoption of 第三分野標準生命表2018 from 2018-04-01. fetched_ok: yes.

  • REG-R13 — 平成10年6月8日大蔵省告示第231号: the 第三分野 stress test. fetched_ok: no — the notification’s own text was not located, so its stress magnitudes are unverified and no numeric stress level is asserted in these documents.

  • REG-R14 — 保険会社向けの総合的な監督指針（本編）: II-2-1-2(4)–(7) on third-sector reserving and automatic renewal under premium waiver, II-4-2-2 on the 契約締結前交付書面, IV-1-12 on 自動振替貸付 as an election. fetched_ok: yes.

  • REG-R15 — 経済価値ベースのソルベンシー規制の概要: ESR commencement 2026-03-31, the 100% trigger, 現在推計 + MOCE, the 99.5% calibration. fetched_ok: yes.

  • REG-R17 — ソルベンシー・マージン比率: the superseded 200% threshold and market SMR levels. fetched_ok: no for the 告示 itself; the figures come from REG-R14 and REG-R15.

  • REG-R18 — 標準生命表2018 PDF: the public valuation qx tables, including 第三分野標準生命表2018. fetched_ok: yes.

  • REG-R19 — 標準生命表 Excel (1996/2007/2018): the machine-readable form. fetched_ok: yes.

  • REG-R20 — 標準生命表2018 の作成概要: the 2σ margin, the improvement allowance, 保険年齢方式 (hoken-nenrei hōshiki, nearest-birthday basis), and the exclusion of 高度障害 from the third-sector table. fetched_ok: yes.

  • REG-R21 — 日本アクチュアリー会 索引と利用規約: redistribution of the tables is restricted. fetched_ok: yes.

  • REG-R22 — 保険計理人の実務基準: the 1号収支分析 — at least ten future years, per segment. fetched_ok: yes.

  • REG-R23 — 監督指針 VI: the IAJ as 指定法人 under 法第122条の2. fetched_ok: yes.

  • REG-R26 — 患者調査 受療率: hospitalisation prevalence by age and cause, and the prevalence-is-not-incidence trap. fetched_ok: yes.

  • REG-R27 — 患者調査 平均在院日数: stay length by age and cause; why 支払限度日数 binds only in the tail. fetched_ok: yes.

  • REG-R28 — 最新がん統計: lifetime cancer incidence, cited for why the 三大疾病 limit relaxations are mass-market features. fetched_ok: yes.

  • REG-R31 — 生命保険の動向 2025年版: the market mix by policy count, 入院給付金 and 手術給付金 paid, third-sector annualised premium, and the 5.6% industry lapse rate. fetched_ok: yes.

  • REG-R32 — 生命保険に関する全国実態調査 2024年度: household penetration of 医療保険・医療特約. fetched_ok: yes.

  • REG-R33 — e-Stat: the access route to the machine-readable 患者調査 grids; licence terms unread. fetched_ok: yes (home page only).

  • REG-R34 — 保険法 第51条: the statutory suicide exclusion has no time limit, so a 免責期間 is a contractual fact per carrier. fetched_ok: yes.

  • REG-R35 — 保険法 第55条: the five-year contestability ceiling and the one-month discovery clock. fetched_ok: yes.

  • REG-R36 — 保険業法 第309条: the eight-day dispatch-rule クーリング・オフ, scoped out here explicitly. fetched_ok: yes.

  • REG-R40 — 生命保険契約者保護機構 Q&A: 90%-of-reserve compensation. fetched_ok: yes (Q1 only; the 高予定利率契約 page was not opened).

  • REG-R41 — 保険業法 第270条の3: the statutory delegation of the compensation rate. fetched_ok: yes.

  • REG-R43 — 所得税法 第76条: three ¥40,000 baskets capped at ¥120,000, of which 介護医療保険料 is this product’s. fetched_ok: yes.

  • REG-R47 — 金融庁 IFRS 関連情報: IFRS 17 is voluntary in Japan, so J-GAAP, ESR and IFRS are three separate bases. fetched_ok: yes.

Provenance note#

Extraction details — which facts were read from which document, the per-source fact extraction sections, the carrier-by-carrier variation table, and the full gaps register (the two unreadable brochures, the unretrieved 大蔵省告示第231号, the absence of any published 標準利率 (hyōjun riritsu, standard valuation interest rate) or 予定利率 (yotei riritsu, assumed interest rate) for this class, the undownloaded e-Stat CSVs, the unverified 住民税 caps, and the missing 令和6年度 先進医療実績報告) — live in _research/medical.md.

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