What’s the reason behind this?
Japan is a land of uniformity. Making a hole-in-one is considered to be more luck than skill. Consequently, you will have to pay your playing friends for having suffered from your extreme luck. Since the cost could be substantial, many Japanese insurance companies offer coverage for hole-in-one. This is confirmed by our friend Takagi, who was a sales manager for a major insurance company in Japan. So next time you tee up in Japan, make sure there's enough cash in your wallet. You never know when bad luck strikes.