The United Nations emphasizes people, prosperity, planet, peace, and partnership as five essential elements for delivering the SDGs. Their concept corresponds to the mission of the MS&AD Insurance Group: To contribute to the development of a vibrant society and help secure a sound future for the planet, by enabling safety and peace of mind through the global insurance and financial services business. In this context, many of the products and services offered by the MS&AD Insurance Group are designed to contribute to achieving SDGs.

Products and Services

Outline

Major relevant SDGs

*Goal 17 is common to all the products/services.

<Non-Life Insurance>

〇Products for individuals*1

Earthquake insurance

Support the restructuring of the livelihood of earthquake victims and the early recovery of areas hit by earthquakes.

One-day Insurance/One-day Supporter

Promote the reduction of accidents caused by uninsured vehicles through the sales of automobile insurance for borrowed vehicles that is available from one day.

One-day Leisure Insurance

Leisure insurance providing only the required coverage only when needed to contribute to enriching customer life

Tough-Tsunagaru automobile insurance

Supporting safe driving using telematics technology to reduce accidents

Automobile insurance with eco-mark

Have obtained Eco-Mark certification through promotion of eco-insurance certificates and web policy clauses, provision of information for safe driving, and initiatives to reduce environmental burdens such as encouraging the use of recycled automobile parts.

Automobile insurance products that support “good health and longevity”

Automobile insurance based on the concept of supporting safe driving by senior citizens and monitoring senior citizen drivers. As the population ages, the number of serious accidents involving elderly drivers is increasing, as is the number of senior citizens living alone. In response to this situation, we offer advanced insurance services using telematics technology designed not only to support safe driving by seniors but to also monitor elderly drivers and provide updates on their driving to family members and others living apart from them.

Fire insurance products that support “good health and longevity”

Provide a package of coverage including the fire insurance rider for aging society (rider for landlord liability insurance, enhanced rider for renter liability insurance, etc.) and ancillary services (for moving furniture and changing light bulbs). In addition to supporting the lives of the elderly, help the elderly move in rental homes by offering coverage for the loss of rent income and cleaning and other expenses incurred by landlords from solitary deaths of the elderly. We have also started to provide new riders for damage compensation, which can result from dementia patients entering a railway track, in order to contribute to building an age-friendly society.

Agricultural insurance (India)

Provide agricultural insurance scheme Pradhan Mantri Fasal Bima Yojana (PMFBY) , in order to contribute to income stability for the low income earning farmers, who have financed purchases of fertilizers and farm equipment through loans, by compensating possible decreases of income caused by bad weather.

Animal insurance for cattle breeders(India)

Compensation for the death of cows and so on which provides income stability for the low income earning cattle breeders.

〇Products for business*1

【Exclusively for Safety Management Certification Seminar】Special Contract for Cooperation at Accidents

Discount on insurance premiums based on the advance designation received from the accident management department is applied to transportation companies that took road safety management certification seminar promoted by Ministry of Land, Infrastructure, Transport and Tourism.

Comprehensive food & agribusiness compensation plan

We provide compensation for major risks surrounding food and agribusiness, in order to support the development of food and agribusiness.

Comprehensive mega solar compensation plan, Insurance for market of solar photovoltaic generation entrepreneurs

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive small wind power generation compensation plan

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive offshore wind power generation system compensation

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive biomass power generation compensation plan

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive small and medium hydro power generation compensation plan

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive medical institute compensation plan

Provide a package that comprises various types of insurance and risk consulting services for medical institutions. Contribute to the stable business development of medical institutions, thereby supporting the aging society.

Comprehensive welfare/long-term care business operators compensation plan

Comprehensively cover risks faced by welfare and nursing care business operators. Contribute to the stable business development of welfare and nursing care business operators, thereby supporting the aging society.

Comprehensive cyber security compensation plan, Cyber security insurance

Comprehensively cover risks of cyberattacks. Contribute to stable management of companies, thereby supporting the development of society.

Comprehensive demonstration experiment of autonomous driving compensation plan

Comprehensively cover risks related to demonstration experiment of autonomous driving vehicles. Facilitate the innovation of autonomous driving technology to support the realization of a safe, secure, and comfortable automobile society.

Comprehensive drone compensation plan

Comprehensively cover risks associated with the commercial use of drones. Contribute to sophisticating operations using drones such as pesticide spraying and aerial photographing, thereby supporting the development of society.

Comprehensive global business compensation plan

Comprehensively cover risks related to overseas business expansion for small and medium-sized enterprises (SMEs). Facilitate the smooth operation of business activities overseas to support the stabilization of SMEs' business operations overseas and the development of local communities.

Compensation plan for sharing economy-based business

As the sharing economy spreads, needs of companies for personal liability insurance valid only for the user and only for the period of use have been increasing. In response, we have developed a product with conditions for compensation that can be custom-designed depending on business activities, with the aim of contributing to the development of sharing economy-based business.

Support menu for inbound tourism entrepreneurs

We provide insurance, training, seminars, risk consulting, and other services for businesses serving visitors to Japan, such as travel agencies and hotels, with the aim of supporting the development of local communities through these services.

Comprehensive clinical research like regeneration medicine compensation plan

Cover risks related to clinical research of regenerative medicine. Contribute to the development of medical technology, thereby supporting the aging society.

<Services>

Free smartphone application "Suma-Ho", "Disaster Navigation" feature on smartphone service

Support safe and secure evacuation activities such as through the provision of directions to evacuation shelters, notifications of disaster information disseminated by local governments, know-how on disasters, and life line information.

Free smartphone application "Suma-Ho", Providing Apps that Promote Safety

Provide analysis of driving skill characteristics, drive recorder, advice before driving, audio warnings when drivers are approaching locations where accidents frequently occur, wild weather forecast delivery, and other services.

(Suma-Ho) “KokoKara Diary” smartphone app

Services to support individuals’ healthy lifestyles through the measurement of stress levels, steps walked, and calorie consumed and the recording of health data, including weight, and the contents of meals consumed. Users of this app can retrieve information on diseases, drugs, and medical facilities from Medley, an online medical encyclopedia. For companies, we provide a dedicated website that can be used to collect employees’ health data and provide employees with health guidance, with the aim of facilitating health management.

Free “Support NAVI” smartphone app

This is a service providing a driving ability diagnosis system equipped with a dashboard camera recording system and an emergency accident reporting system.

Free “Suma-Ho” smartphone app with “Animal Alert” function

This is a service that provides a voice alert when the driver is approaching a black spot for traffic accidents involving animals. The service was first launched in Okinawa Prefecture, where the Yanbaru kuina (Okinawa rail: an endangered bird) lives, and later rolled out to other regions in Japan.

Smartphone application by Mitsui Direct General

A free app featuring a driving ability diagnosis system equipped with a dashboard camera recording system that records and checks driving data, a driving aptitude diagnosis system that analyzes and diagnoses driving tendencies, and Jutai-gaku Kentei (traffic congestion learning system), which helps understand the mechanism of traffic congestion, with the aim of preventing traffic accidents and reducing congestion.

Efforts to prevent and reduce traffic accidents by utilizing "Accident Map"

Provide "accident maps" created by analyzing and identifying locations where accidents frequently occur based on accident data held by the Company and data from external institutions.

Free smartphone application "Suma-Ho", "Safety cycle"(providing diagnosis tool of safe bicycle driving)

Support the safe use of bicycles by providing warnings about excessive speed, check lists for inspection and maintenance, etc.

Service for checking indication of Sleep Apnea Syndrome (SAS)

This smartphone app is designed for companies to use to help their employees evaluate their snoring, one of the major symptoms of Sleep Apnea Syndrome (SAS). Snoring can be evaluated only by turning the app on and placing the smartphone next to the bed before going to sleep.

Suma Navi

A telematics service that supports companies in their safe driving initiatives.

Sasaeru Navi

A telematics service for fleet policyholders that supports corporate customers in their vehicle operation management and accident reduction initiatives.

Navigational support services for domestic vessels

We support safe navigation of domestic vessels using the dedicated smartphone provided by Weathernews Inc., which alerts ships when they navigate in dangerous waters and provides weather and oceanic forecasts and images of the area around the vessel.

Weather alert service

Email alerts are sent when rainfall, wind speed, or snowfall is forecasted to exceed the standard values at a monitored location, or when lightening is observed at a location within the standard distance from the monitored location, to help prevent and mitigate damage from natural disasters.

Eco insurance certificate/web policy clause

A system that enables policyholders to view their policy certificates and policy clauses on the website of each company. Promote the reduction of environmental burdens through paperless operation.

Electronic contract method

Complete the contracting procedure on the screen of a PC brought in by an agent. Promote the reduction of environmental burdens through paperless operation.

Family Eye (Notification System for Relatives)

This is a system in which one relative of a policyholder is registered as an emergency contact for insurance policies. It makes it possible to contact the registered relative and ensure more reliable delivery of important notifications for insurance policies to the registered relative in an emergency, such as when we cannot contact the policyholder, or to have the relative share contract information after a simple identification procedure when inquiries are made.

Supporting companies in expanding overseas operations

We provide small and medium-sized companies expanding their business overseas with risk management services to support their overseas operations.

Repair service for damaged equipment under the corporate fire insurance plan

Reduce recovery costs and ensure early recovery by enabling the repair of damaged devices and equipment, which previously had to be replaced with new ones, with emergent corrosion inhibition measures and full-scale recovery work.

Abbreviation of claims documents service

Omit the submission of claim documents, etc. for car accidents that meet certain conditions. Promote the reduction of environmental burdens through paperless operation.

Dealing with car accident claims using sign language interpretation services

We use sign language interpretation services to deal with car accident claims for customers with a hearing and/or speech impairment. The customer and an operator communicate using sign language via videophone, which is simultaneously voice translated and sent to our in-house representative.

Dealing with car accident claims in 14 different languages

To respond to consultations and inquiries regarding insurance from customers involved in accidents who have difficulties in communicating in Japanese, translators are available in 14 different languages.

<Life insurance and medical insurance>

"&LIFE"
New income security insurance(Japanese only)

This insurance provides for the risk of becoming unable to work or of something with a similar effect occurring(*2).

"&LIFE"
New medical insurance A Plus(Japanese only)

This insurance provides measures for an aging society as a means to prepare for hospitalization and surgery due to illness or injury(*2).

Lifelong care/dementia plan

A new insurance plan that provides against long-term care risks, such as treatment for dementia. Under this plan, dementia care, which imposes a particularly significant burden, is added to the conditions covered under the lifelong care-specified policy for insured events in line with the public long-term care insurance system. This plan aims to help people be better prepared for long-term care needs, which have become a serious social issue, in light of the aging society.

“Joy for Tomorrow” currency selection-type existence security-type individual annuity insurance

A product that meets the need for long-term living benefits in preparation for the advent of the era of the “100-year lifespan.” This is pension insurance product denominated in foreign currencies with favorable interest rates. By reducing death benefits, the amount of the annuity can be increased. The annuity payment starts as early as one month from the contract date. There are two options to choose from: life annuity and defined annuity.

“Joy for Giving” currency selection-type special whole life insurance

This is a product that responds to demands for gifts, inheritance, and annuities. This is a whole life insurance product denominated either in foreign currencies with favorable interest rates or yen. Living benefits can be provided immediately after the contract is concluded.

Service to provide information on advanced medical treatment

Information provision service using virtual reality (VR) images reproduced on a smartphone. Using virtual reality, first-time users can “visit” cutting-edge medical facilities they would otherwise be unable to access, such as a medical institution that provides ion beam radiotherapy, a cutting-edge cancer treatment. We provide information on the ever-evolving healthcare landscape in an easy-to-understand manner to arm customers with an accurate understanding in the hope of helping in their selection of a treatment and/or facility.

Electronic contracting processes through "Seiho Kantan Mode"

Launching paperless (electronic) procedures called Seiho Kantan Mode, we have improved convenience and reduced environmental burdens by converting various paper forms into electronic formats.

<Financial services and other businesses>

〇Financial products

Weather derivatives

Derivatives that cover losses caused by extreme weather.

CAT bond (catastrophe bond) issuance support service

Service to support the issuance of CAT bond (*3). In addition to reducing the burden of cumbersome administrative procedures related to the issuance of CAT bonds, we provide our customers with advice on optimal issuing conditions and help them to diversify catastrophic risk hedging instruments.

〇Support systems

Pacific Catastrophe Risk Assessment and Financing Initiative (PCRAFI) Insurance Facility

Under this program, which was set up jointly by the Japanese government and the World Bank, MSI as a risk underwriting insurance company provides reconstruction funds to the nations in the Pacific Islands that are afflicted by natural disasters to promote the restructuring of the livelihood of disaster victims and the early recovery of areas hit by disasters.

Pandemic Emergency Financing Facility (PEF)

We participate in the Pandemic Emergency Financing Facility (PEF) established by the World Bank with the support of Japan, Germany, and the World Health Organization. The objectives of PEF include: to protect people in developing countries around the world from the threat of infections; and in case of an outbreak of serious infection, to promptly provide funds for the initial response in order to mitigate human and economic losses and promote early recovery from these losses.

〇Risk consulting services

ESG risk management

We provide comprehensive consulting services covering everything from general ESG-related issues, such as enhancement of ESG strategies and efforts, to specific ESG themes.

Human rights risk management support services

Help our customers to manage human rights issues by supporting them in the formulation of human rights policies based on international standards, human rights impact assessment, organization of lectures and trainings on human rights risks, collection of information and implementation of surveys related to human rights risks, and other efforts related to human rights risk management.

Supporting for Business continuity management system (BCMS)

Support the establishment of a system that ensures the resumption of operations within a target time frame in the event that business activities are suspended due to a large earthquake, infectious disease, or other reasons, and the formulation of business continuity plans (BCPs).

Consulting by Tsunami risk models

Consulting services that incorporate damage from tsunami in earthquake risk analysis.

Climate change risk analysis services

Companies are now expected to identify risks and opportunities associated with climate change and to disclose relevant information. In response, we provide consulting services regarding analysis and information disclosure expected of companies on a global level on issues including physical risks, such as climate change-induced floods and droughts, and transition risks (risk associated with socioeconomic transitions toward a decarbonized economy in line with achieving the two-degree goal, such as energy structure transformation.

Map of Forecasted Flood Frequency Change Due to Climate Change

This map was developed in corporation with Prof. Yukiko Hirabayashi of the Shibaura Institute of Technology and Associate Professor Dai Yamazaki of the Institute of Industrial Science at The University of Tokyo in response to the need companies have to understand the impacts on them by potential flood risks, one of the many types of climate change risks. The map shows the degree of change in the frequency of floods induced by global climate change.

Consulting service for water disaster prevention

Support companies in developing their business continuity management (BCM) plans through consulting focusing on river flooding, inundation inside a levee, and high tides.

Supporting system for victims of natural disasters to relief

A system that provides comprehensive support to local governments to help disaster victims restructure their lives, including issuance of Disaster Victim Certificates.

Services for risk management of automobile insurance

Various effective programs and solutions to prevent and reduce accidents.

Seminar for safety drive

Accident prevention and reduction seminar, conducted by a group company certified by the Ministry of Land, Infrastructure and Transport and Tourism as an implementing agency, targeting automobile transportation business operators.

Risk consulting services abroad

Assume possible material risks overseas, such as terrorist attacks and large-scale disasters, and support measures against these risks.

Consulting services against environmental risk

Service for quantitative assessment of impacts on natural capital and service for assessment of water risks (water depletion, water disasters, etc.)

Supporting service for energy business

Support initiatives such as electricity and energy conservation, improving comfort in the working environment, and reducing energy costs.

Environmental CSR management consulting services

Support the acquisition of accreditation for and improvement of environmental management systems and the formulation of environmental CSR reports.

Consulting services on biodiversity

Make proposals to companies for biodiversity preservation initiatives and their improvement.

Water Risk Assessment Service

Simple assessment of exposure to water risk on individual manufacture point (domestic/ overseas) bases.

〇Other businesses

Nursing care homes for the aged

Operate “You Life Yokohama” and” You Life Setagaya”.

In-home nursing care business

Operate in-home nursing care support business and home-visit nursing care business offices at a total of three locations in Yokohama and Nagoya.

Visit nursing business

Operate four day-service centers in Shinagawa, Mizuho, Omiya, and Ibaraki.

(*1) Products in <Products for individuals>and <Products for business> are categorized based on their main scope.

(*2) Donations are made to the Authorized nonprofit organization—Japan Committee Vaccines for the World's Children to provide funds for purchasing vaccines etc., with the amount depending on the number of new contracts acquired.

(*3)A CAT bond is a mechanism through which the risk of a large-scale disaster such as earthquake or typhoon is transferred from one party to the capital markets. As long as no disaster exceeding a predetermined threshold occurs, investors (CAT bond purchasers) receive coupons periodically and have principal repaid at maturity. However, in the event that a disaster exceeding such threshold occurs, the principal to be repaid is reduced partially or entirely so that it is used to compensate customers for their losses.