Japanese phrase
___は保険の対象外ですか？ ___ wa ho ken no tai shō gai de su ka
Meaning
Is ___ not covered by insurance?
When to use it
Asks whether something is not covered by insurance. It is a polite way to check whether a particular service or expense falls outside the plan.
Example dialogue
この治療は保険の対象外ですか？ ko no chi ryō wa ho ken no tai shō gai de su ka
Is this treatment not covered by insurance?
はい、対象外です。 ha i tai shō gai de su
Yes, it is not covered.