Ningen Dock Brochure by Nippon Life Benefits

NLB Global and Ningen Dock

We excel at navigating employee benefits for foreign-owned companies in the U.S. because we’re one too.

We offer quality group coverage, including Ningen Dock for eligible employees of foreign-owned companies operating in the U.S.

As a highly regarded international insurance company with over 30 years of experience in the U.S., Nippon Life Benefits provides quality group coverage to employees and expats of foreign-owned companies operating in the U.S.

Ningen Dock (first-dollar preventive coverage for expats) covers annual physical exams with optional spousal coverage. PPO and non-PPO providers cover 100% of eligible charges, with no deductible or copay, up to $2,000 per person annually.

For our Japanese and Korean customers, NLB Global provides support in both languages and cultures, available by phone or on-site. Spanish and English customer support is also available.

We are the U.S. subsidiary of Japan-based Nippon Life Insurance Company®, one of the world’s largest mutual life insurance companies1 with $645 billion in assets2 and an A+ (Superior) credit rating from AM Best3

NLB Global Offers:

• Access to over 1.3 million healthcare providers

• Help finding in-network doctors, hospitals, specialists, and pharmacies

• Multilingual support to assist with plan benefits and claims management

• Personalized care for managing chronic or complex health conditions and coordinating care among healthcare providers.

Ningen Dock Claims Process

Members present their Ningen Dock Benefit Card at their Ningen Dock provider's office.

If the provider is in-network, no further action is needed is needed by the member.

Out-of-network providers may require upfront payment from the member, who can then submit a claim to NLB for reimbursement.

In-network and out-of-network: 100% of covered services up to $2,000 annually, with no deductible or copay.

Ningen Dock: Included in the NLB Global Benefits Package

What is Ningen Dock?

The Ningen Dock Program, inspired by ships that regularly dock in ports for examinations and repairs, offers comprehensive health assessments to individuals.

It is a health examination system developed in Japan for preventive medicine. Its primary objectives are to detect cancer and lifestylerelated diseases early, as well as to confirm overall health status.

By combining various tests, including blood tests, chest X-rays, ultrasound scans, and optional advanced diagnostics like endoscopy, CT scans, and MRI, Ningen Dock aims to identify potential health risks before they become more serious or difficult to treat.

This proactive approach contributes to better health outcomes and longer life spans, making it a cornerstone of Japanese healthcare.

The Ningen Dock comprehensive checkup program promotes preventive healthcare and serves to improve health outcomes by detecting potential health issues early.

How Ningen Dock works*

• Eligible Rotational employees are covered, and spousal coverage is optional

• Ningen Dock Standard benefits include a $2,000 annual maximum per individual ($4,000 buy-up option available for enhanced coverage)

• Pays 100% of covered charges with no deductible or copay.

• Members can go to any provider who offers Ningen Dock services regardless of network participation**

• NLB Global members receive Ningen Dock ID cards in addition to their medical cards

To obtain claim forms (sample claim form on page 5):

• Online Ningen Dock claim form for services provided in the U.S.

• Online Ningen Dock claim form for services provided outside the U.S.

• Or email JCS@nipponlifebenefits.com

Or call the Customer Service:

• English: 1-800-374-1835

• Japanese: 1-800-971-0638

• Korean: 1-877-827-8713

*The Ningen Dock Program may not cover services already payable under other provisions of the Group Policy. **For Ningen Dock services outside the U.S., contact Aetna International at 1-800-231-7729.

Ningen Dock Covered Tests and Examinations

Ningen Dock (Executive Physical) Claim Form

Use this form for Ningen Dock enhanced physical exams only. (DX Z00.00: General Adult Examination)

Part A: Patient Information

Patient Name (Last Name, First Name)

Member Name IF NOT THE PATIENT (Last Name, First Name)

Group Name Group Number ID Number

In order to process payment of professional services, I authorize any physician, hospital, or other medical provider to release to Nippon Life Benefits, or their representatives, any information regarding my or a family member’s medical history, examination results, or diagnosis. A photocopy of this authorization shall be considered as effective and valid as the original.

Patient Signature: Date:

Part B. Provider Information

Name (Last Name, First Name)

Clinic Name (if applicable)

Address

Was the patient referred to another provider for other Ningen Dock covered Services?

If yes, please list provider(s):

Part C. Ningen Dock Exam Information

Submit exam information as an attachment or on this form.

Yes ☐ No

☐ Option 1: Attach the exam package including date of service(s) and charges.

☐ Option 2: Attach the list of services including CPT(s) &/or CPT description(s) with charges.

☐ Option 3. Complete the table below.

Date of Service CPT Code

Notice: Any person who knowingly and with intent to defraud any insurance company or other person submits a statement of claim or any application form containing any materially false information or who conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act which is a crime. Such actions may be considered felonies and subject to criminal and civil penalties, including imprisonment and fines.

Provider Signature:

Billing Instructions

Date:

• Send the completed claim form along with any attachments to Nippon Life Benefits either by email or mail.

• Email: JCS@nipponlifebenefits.com

• Mail: Nippon Life Benefits, Attn: Ningen Dock Claims, 1051 Perimeter Drive, Suite 42, Schaumburg, IL 60173

• Providers typically submit claims on behalf of their patient.

• If you are a patient requesting reimbursement, please include the paid receipt with your submission.

Customer Service: Japanese: 800-971-0638 | English & Spanish: 800-374-1835 | Korean: 877-827-8713

Policy Series NP 5500, et al, and Booklet-Certificate Series NBM 5100, et al is underwritten by Nippon Life Insurance Company of A merica®marketing name Nippon Life Benefits® , NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 666 Third Avenue, Suite 2201, NY, NY 10017. Nippon Life Benefits is a member company (subsidiary) of Japan -based Nippon Life Insurance Company. Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Benefits may vary by state. For costs and any further details of coverage, including exclusions, any reductions or limitations, and the terms under which the policy may be continued in force, see your Nippon Life Benefits representative.