[PayPay Insurance] Launching 'Heatstroke Insurance' for 2026 Season
PayPay Insurance Service has begun offering its specialized 'Heatstroke Insurance' for 2026. Following a record 150,000 sign-ups in 2025 and with extreme heat predicted for this summer, the service continues to offer low-cost coverage starting at 100 yen per day via the PayPay app.
📋 Article Processing Timeline
- 📰 Published: April 22, 2026 at 20:14
- 🔍 Collected: April 23, 2026 at 00:02 (3h 48m after Published)
- 🤖 AI Analyzed: April 23, 2026 at 01:03 (1h 1m after Collected)
PayPay Insurance Service Co., Ltd., a group company of LY Corporation, has announced that it will start offering the 2026 edition of its 'Heatstroke Insurance' (officially: Heatstroke Omimai-kin) starting today. This service is available through the 'PayPay Insurance' mini-app within the PayPay application provided by PayPay Corporation.
Since its launch in 2022, this insurance has gained significant support as a measure against heatstroke, with cumulative sign-ups surpassing 400,000 as of October 2025. In 2025, the number of sign-ups reached 150,000, exceeding the previous record of 132,000 set in 2024.
The 'Heatstroke Insurance' was the insurance industry's first product specifically focused on heatstroke risks when it debuted in 2022. It is offered annually from April to October. Under this policy, if a user suffers from sunstroke or heatstroke during the coverage period and receives IV treatment from a doctor at a hospital, a treatment benefit is paid. Additionally, if the patient is hospitalized for two days (one night, two days) or more for treatment, a hospitalization benefit is paid.
Users can choose between a 'Monthly Plan' and a 'Daily Plan.' The 'Monthly Plan' starts at 200 yen per month (or 190 yen with the 'Repeat Discount'), while the 'Daily Plan' allows coverage for a single day starting from 100 yen. Notably, if a user applies for the 'Daily Plan' by 9:00 AM, coverage can begin at 10:00 AM on the same day. Users can also apply for their entire family at once.
Approximately half of the sign-ups to date have been for family members, such as children, spouses, or parents. Common use cases include parents insuring children for school club activities or individuals insuring elderly family members living far away.
According to the Ministry of Internal Affairs and Communications, a total of 100,510 people were transported by ambulance due to heatstroke nationwide from May to September 2025—the highest number since surveys began in 2008. Over 30% of these cases required hospitalization (moderate severity or higher), highlighting the increasing importance of both prevention and treatment measures.
The Japan Meteorological Agency predicts that average temperatures across Japan will be high in the summer of 2026 (June to August) due to global warming and high-pressure systems. To help users prepare, PayPay Insurance Service is relaunching the product and continuing the popular 'Repeat Discount.' Eligible users who choose the 'Monthly Plan' will receive a 10 yen discount.
As part of its heatstroke prevention efforts, Sumitomo Life Insurance Company, the parent of the underwriting insurer i-al Small Amount and Short Term Insurance Co., Ltd., conducted an additional survey for the 'Heatstroke White Paper' and presented the results at the 96th Annual Meeting of the Japanese Society for Hygiene. The report used data from this insurance product to analyze the relationship between health habits and heatstroke risk. PayPay Insurance regularly shares these findings with users to promote prevention.
PayPay Insurance Service remains committed to making insurance easy and accessible by providing high-quality products that meet user needs.
Since its launch in 2022, this insurance has gained significant support as a measure against heatstroke, with cumulative sign-ups surpassing 400,000 as of October 2025. In 2025, the number of sign-ups reached 150,000, exceeding the previous record of 132,000 set in 2024.
The 'Heatstroke Insurance' was the insurance industry's first product specifically focused on heatstroke risks when it debuted in 2022. It is offered annually from April to October. Under this policy, if a user suffers from sunstroke or heatstroke during the coverage period and receives IV treatment from a doctor at a hospital, a treatment benefit is paid. Additionally, if the patient is hospitalized for two days (one night, two days) or more for treatment, a hospitalization benefit is paid.
Users can choose between a 'Monthly Plan' and a 'Daily Plan.' The 'Monthly Plan' starts at 200 yen per month (or 190 yen with the 'Repeat Discount'), while the 'Daily Plan' allows coverage for a single day starting from 100 yen. Notably, if a user applies for the 'Daily Plan' by 9:00 AM, coverage can begin at 10:00 AM on the same day. Users can also apply for their entire family at once.
Approximately half of the sign-ups to date have been for family members, such as children, spouses, or parents. Common use cases include parents insuring children for school club activities or individuals insuring elderly family members living far away.
According to the Ministry of Internal Affairs and Communications, a total of 100,510 people were transported by ambulance due to heatstroke nationwide from May to September 2025—the highest number since surveys began in 2008. Over 30% of these cases required hospitalization (moderate severity or higher), highlighting the increasing importance of both prevention and treatment measures.
The Japan Meteorological Agency predicts that average temperatures across Japan will be high in the summer of 2026 (June to August) due to global warming and high-pressure systems. To help users prepare, PayPay Insurance Service is relaunching the product and continuing the popular 'Repeat Discount.' Eligible users who choose the 'Monthly Plan' will receive a 10 yen discount.
As part of its heatstroke prevention efforts, Sumitomo Life Insurance Company, the parent of the underwriting insurer i-al Small Amount and Short Term Insurance Co., Ltd., conducted an additional survey for the 'Heatstroke White Paper' and presented the results at the 96th Annual Meeting of the Japanese Society for Hygiene. The report used data from this insurance product to analyze the relationship between health habits and heatstroke risk. PayPay Insurance regularly shares these findings with users to promote prevention.
PayPay Insurance Service remains committed to making insurance easy and accessible by providing high-quality products that meet user needs.