CSR activities of each company

■Approaches listed in CSR Report 2011
This is the list of approaches provided in CSR Report 2011. Please refer to this website to see approaches of each company.
Major approaches among characteristic approaches are listed by theme.

■Website of each company
Website of each company presents its approaches of CSR.

Mitsui Sumitomo Kirameki Life and Aioi Life Insurance were merged on October 1, 2011, Mitsui Sumitomo Aioi Life Insurance Co., Ltd. was established.

Approaches listed in CSR Report 2011

Approaches listed in CSR Report 2011 Companies
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Quality Improvement of Products, Service
Quality Improvement in response to customers view ○              
　Utilizing customers views in business improvement ○ ○ ○ ○ ○ ○ ○ ○
　　■Questionnaires with customers     ○ ○        
　　■Utilizing external experts views in business improvement     ○ ○        
　Strengthen the structure for handling customers’ voice ○ ○ ○ ○ ○ ○ ○ ○
　Utilizing agents’ voice for business improvement     ○ ○        
　Utilizing employees’ voice for business improvement     ○ ○   ○    
Developing the products from Customer’s perspective   ○            
　Products of non-life insurance     ○ ○        
　Products of life insurance           ○ ○ ○
Improve the simplicity and convenience for customers                
　Provision of understandable explanatory documents   ○       ○    
　Consideration for challenged persons                
　　■Adoption of SP code     ○          
　　■Printed material in consideration of color universal design               ○
　Improve the convenience for customers in contracts                
　　■electronic contracting procedure     ○          
　　■Internet Service     ○ ○        
　　■Distribution of Policy clauses on CD-ROMs           ○    
　　■Road Assistance Service     ○ ○ ○      
Claim service preferable to customers ○              
　Adoption of new system     ○ ○   ○    
　Reliable receipt system for accident report and provision
　of the course of accident response		     ○ ○ ○      
　Quality improvement of personnel in claim service ○              
　　■Good Job Campaign     ○          
　　■Business improvement project       ○        
　Questionnaire surveys to customers ○   ○ ○        
　Claims Payment Examination Council     ○ ○        
Quality improvement of Contact Center ○     ○        
Growth with Our Agents
　Support for Improvement of Quality in Agent Work                
　　■Basic perspective     ○ ○        
　　■Agent Quality Certification System     ○          
　　■New Customer-First       ○        
　Support for Improvement of Skills in Agent Work                
　　■Learning by Internet     ○ ○        
　　■Trainings in response to the needs of agent               ○
Information disclosure for shareholder
Information disclosure for shareholder ○              
　Basic policy on disclosure of IR information ○              
　Setup for information disclosure                
　　■Disclosure committee ○              
　　■Outline of the setup for timely disclosure ○              
　Stock overview ○              
　Dividents ○              
Communication with Shareholders and Investors                
　　■Holding of information meetings
　　(for institutional investors and analysts)		 ○              
　　■Holding of separate meetings inside and outside Japan ○              
　　■Information provision through booklets ○              
　　■Improvement of the IR website ○              
　　■Feedback to management ○              
Responsibility in Transactions
　Basic perspective and policy     ○          
■Growth with Our Employees
Employment Situation     ○ ○ ○ ○ ○ ○
　Hiring of New Graduates     ○ ○ ○ ○ ○ ○
　　■Internship     ○ ○        
　　■Company information on dedicated employment
　　opportunities website		       ○        
　　■Round table seminars with employees     ○ ○        
　　■Employee visits by web     ○          
　　■Support for growth after making
　　preliminary provisional job offers		       ○        
　　■The number of newly-hired employees (new graduates)     ○ ○ ○ ○ ○ ○
　　■The number of employees     ○ ○ ○ ○ ○ ○
　Rehiring Program     ○ ○ ○      
　Employment of the Challenged     ○ ○        
Human Assets Development                
　Education and Training ○ ○ ○ ○ ○ ○ ○ ○
　　■JMA HRD Excellence Award       ○        
　　■Sharing our mission, vision, and values ○              
Support taking up the challenge                
　　■Program to support taking up the challenge                
　　　Trainee systems     ○   ○ ○   ○
　　　In-house application system     ○ ○   ○    
　　　Goal challenge program     ○ ○   ○    
　　■Program for Overseas Training     ○ ○        
Communication with employees                
　　■Employees questionnaire     ○ ○        
　　■Exchange opinions with board members     ○ ○        
Approaches to Human Rights                
　Approaches to Human Rights                
　　■Human rights seminars ○   ○ ○        
　　■Sexual harassment and power harassment consultation     ○ ○        
Building a Friendly Working Environment ○              
　Approaches for Work-life Balance                
　　■Support for diverse work styles
　　(support of employees raising children)		                
　　　Approaches as a company supporting
　　　the development of the next generation		     ○ ○   ○    
　　　Building a Working Environment while raising children       ○        
　　　Posting of substitutes for employees on childcare
　　　leave and provisions for shorter hours		     ○   ○ ○   ○
　　　Papa Preparation Leave / Ikumen leave     ○ ○        
　　■Support for diverse work styles(Leave for nursing)                
　　　Leave for nursing, Temporary retirement for nursing     ○ ○   ○ ○  
　　■Support for diverse work styles
　　(change of place of employment)		                
　　　Provisions for change of place of employment     ○ ○        
　Respect the diversity                
　　■Support for activity by female employees ○   ○ ○   ○ ○  
　　■Support of education for physically challenged
　　employees		     ○          
　Safeguard employees’ safety and health                
　　■Approaches for creating confort     ○ ○   ○    
　　■Taking time off with pay     ○ ○        
　　■Health management of employees ○              
　　　Medical Checkup     ○ ○        
　　■Support of Mental health for employees ○              
　　　Mental health care program ○              
　　　Activities to prevent mental illness     ○ ○        
　　　Health management and follow-up services for
　　　employees with mental health problems		     ○ ○        
　　■Safety of employees(safe driving and number of
　　worker injuries)		     ○ ○        
Contribution to Local and International Communities
Social Contribution through Our Core Business ○              
　Approaches Related to Traffic Safety                
　　■Provision of automobile risk management services
　　to corporate customers		     ○ ○        
　　■Campaign for education in safe driving for customers     ○ ○        
　　■Presents of yellow pennants       ○        
　　■Promoting activity of driving manner,
　　“MUJICOLOGY! Project”		         ○      
　Approaches Related to Life and Medical Services                
　　■Activities conveying the advanced medical technology           ○    
　　■Kirameki Stroke Project           ○    
　　■Campaign for the diffusion of and publicity about tests
　　for cervical cancer		           ○    
　　■Heart Life Project             ○  
　Other Social Contribution Activities                
　　■The Regional AD Club       ○        
　　■Approaches by Fureai Do-Life Service       ○        
　　■Participation in the bell mark campaign       ○        
　　■Endowed lectures in the Waseda University       ○        
　　■Donation of scholarships to the International University
　　of Health and Welfare		       ○        
　Activities of social contribution overseas                
　　■Holding of an event for traffic safety     ○          
Support activities of social contribution by employees.                
　Matching Gift Program for Donation in the Event of Disasters ○              
　Volunteer leave/temporary retirement     ○ ○   ○    
　Employee-participation Social Contribution Activities                
　　■Attendance of seminars on AED     ○ ○        
　　■One Activity a Year at Each Office-activities for
　　contribution to the global environment and community		     ○          
　　■Support for greening and flower-bed planting
　　in Zoorasia Yokohama		           ○    
　　■Activities for contribution to the local communities
　　by all employees		       ○        
　Activities Social Contribution in the fields of culture, sports
　and public welfare		                
　　■MS&AD Unison Smile Club ○              
　Activities of social contribution overseas                
　　■Continuous contribution to local community     ○ ○        
Social Contribution Activities in the Cultural, Sports and Welfare Fields ○              
　Support activity in traffic safety and welfare services
　for the aged		                
　　■Mitsui Sumitomo Insurance Welfare Foundation     ○          
　Support for Sport                
　　■Hosting of Judo matches, Marathon, Corporate
　　Marathon relay race		     ○          
　Support of sports for the physically challenged       ○   ○    
　Promotion of Culture                
　　■Mitusi Sumitomo Insurance Shirakawa Hall     ○          
　　■The Phoenix Hall       ○        
　　■Mitsui Sumitomo Insurance Cultural Foundation     ○          
　　■Exhibition of owned arts, “Tsubaki”       ○        
　Social Contribution Activities overseas                
　　■Exchange of international cultures with local community     ○          
Approaches to the Global Environment
Environmental Policy ○              
Contribution to the Global Environmental Protection through Insurance and Financial Products and Services                
　Environment-friendly products and services                
　　■The provision of web policy clauses     ○ ○        
　　■Acquisition of Eco-Mark certification     ○ ○        
　　■Green Power Supporter program     ○          
　　■Weather Derivative     ○          
　　■Provision of various products linked to reduction of
　　environmental burden (Aioi Nissay Dowa)		                
　　　Insurance discounts for environment-friendly
　　　automobiles(ECO2 discount)		       ○        
　　　Insurance discounts for the accident-vulnerability
　　　and repair,Dohn! to Omakase		       ○        
　　　PAYD, automobile insurance linked to driving distance       ○        
　　　Heartful Recycling       ○        
　　　ISO/HACCP discounts       ○        
　　■Use of recycled automobile parts     ○ ○        
　　■Eco-maintenance and eco-inspection     ○          
　　■Support for certification under Eco Action 21     ○ ○        
　　■Solar loans     ○ ○        
　　■Support for eco safe driving ○              
Reduction of Environmental Burden from Business Activities                
　Medium- and long-term reduction goal of CO2 ○   ○ ○ ○     ○
　Reduction status of Environmental Burden                
　　■Status of energy use in MS&AD Insurance Group ○   ○ ○        
　Environmental Management                
　　■Status of the acquisition and maintenance of
　　ISO 14001 certification		 ○   ○ ○ ○ ○   ○
　　■Environmental statement of Aioi Nissay Dowa       ○        
　　■Purchasing Green Power Certification     ○          
Coexistence with Society through Environmental Awareness Activities ○              
　Awareness-enhancement among Employees, Families,
　and Agents		                
　　■Environmental education and questionnaire surveys ○              
　　■Awareness-enhancement among employees       ○        
　　■Implementation of MS&AD Family Environmental Classes ○              
Approaches to Preservation of Biodiversity ○              
　Specific Approaches to Preservation of Biodiversity                
　　■Ramsar Supporters ○             ○
　　■Project for tropical reforestation     ○          
　　■Expansion of green area at the Surugadai Building     ○          
　　■Approaches through the JBIB     ○          
　　■The Story of Biology Told by Corporations-Part 4     ○          
　　■Provision of consulting services in the areas of corporate
　　greening and biodiversity		 InterRisk Research Institute and Consulting

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Website of each company

Website of each company introduces its approaches of CSR (Japanese only)

Mitsui Sumitomo Insurance Co., Ltd.

Aioi Nissay Dowa Insurance Co., Ltd.

Mitsui Direct General Insurance Co., Ltd.

Mitsui Sumitomo Aioi Life Insurance Co., Ltd.
(the former Kirameki life, the former Aioi Life)

Mitsui Sumitomo Primary Life Insurance Co., Ltd.

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CSR