We live in a drastically changing society that can also be seen in our diversifying workforce.
To ensure that our employees grow and play active roles, it is important that they find their work satisfying and rewarding, that they remain healthy and dynamic, and that they exercise originality and ingenuity to achieve their work goals so that both the individuals and the organizations can grow and better meet the expectations of society.
MS&AD Insurance Group aims to develop human assets(*) with the goal of elevating the level of professionalism of each employee, pursuing betterment as opposed to remaining complacent with the status quo, and maximizing the organizational level power through the aggregation of individual capabilities.

(*) Human assets: In the spirit of valuing the individual, the MS&AD Insurance Group refer to our employees as "human assets" rather than "human resources."

A Vision of the Ideal Employees

Envisioning ideal employees as those “who learn and think by themselves, take on challenges and continue to grow”, Group insurance companies in Japan have been offering education and assistance to promote training, OJT*, and self-improvement so that our employees can work as professionals with pride and satisfaction. We provide a wide range of opportunities, including obligatory courses for all employees in an e-learning format that is more convenient for course participants.
More specifically, individual employees sketch out their career visions, undertake new efforts to realize these visions and bolster their own capabilities and skills through a target management system. Superiors engage in career dialogue during target challenge interviews (interviews with subordinates utilizing career vision sheets) and in other approaches to help employees achieve their career visions and to enhance communication between superiors and subordinates.

(*) OJT: On-the-Job Training

<Conceptual Image of Human Asset Development System>

Our Vision for Human Assets Development

We are implementing various human asset development programs in Japan and overseas to promote the Group's growth strategy. We also support those employees willing to better themselves so that they can enhance their individual strengths to realize their own career vision. We will strengthen employees’ engagement through benefits to organization by their development and giving organization’s support back to them.

Enhancing Individual Strengths (Enhancing Individuals)

Group insurance companies in Japan provide training programs as well as outside correspondence courses and other opportunities for self-education in support of self-directed learning and growth to individual employees.

<Our Development Program>

MS&AD Open College

Classroom training to acquire business skills, such as problem-solving

Trainee programs

Voluntary in-house programs that enable employees to experience working in other departments/companies for short periods; among the aims of these programs are to further cultivate Group solidarity and improve communication


ESG Data/Reference Material (number of participants of the trainee system)

Post-challenge programs

An open recruiting program through which employees considering their own career paths can convey their plans and wishes to their companies and take on challenges to progress down these paths. Efforts to actualize autonomous career development.

In-house free agent program

A program whereby employees, with skills , experience and their own blueprints of carrier-building, can appeal to several sections desirable to them.

Corporate University Program (AD University)

A program that visualizes employee skills in all categories and which supports independent, self-directed learning for acquiring the abilities and skills that need to be strengthened for employee growth not bound by work or work roles.

Enhancing Organizational Strengths (Enhancing Teamwork)

To maximize the performance of organizations (workplaces), we are conducting a variety of stratified training programs for employees at all levels to support improvement in their way of thinking and behavior.

<Our Development Program>

New employee training

We have a fair and impartial approach to hiring personnel that respects diversity. Additionally, we are operating OJT programs to enable employees to smoothly integrate into their workplaces after joining the company and to put their workplace experience to good use in obtaining the necessary knowledge and skills.

Training for managerial personnel

We offer training to help employees understand their unconscious biases and to learn methods for recognizing and controlling their own biases. We also endeavoring to support the improvement of management and workplace communication capabilities to support human resources development across the board.

Training for female employees

We have stepped up training and educational programs for female employees to promote career development of women (leaders’ school, management seminars, and mentor programs for women, etc.)

Development of professional human assets

Positioning professional human resources as intellectual assets, we provide opportunities for acquiring skills and experiencing overseas that are essential to the Group's growth strategy so that employees achieve more value-added performance with professionalism.

Development of global human assets

We have put in place a framework for employees to mutually interact and improve themselves through friendly competition between overseas locations and Japan in order to foster feelings for the wider world and global business skills.
<Examples of training and programs>
・Overseas training and secondment program (Learning business skills at overseas subsidiaries, overseas insurance companies, etc.)
・Global trainee system (MSI)
・System for seconding employees from overseas bases to the Japanese head office (MSI)
・MS&AD Garage Program*

(*)Under this program, employees from Group companies worldwide travel to Silicon Valley where investors and venture companies gather, to pursue opportunities including the pitching of ideas. Having failed in each home country, the goal is to uncover advanced technologies and new services that can help resolve outstanding issues.


ESG Data/Reference Material (number of participants in global trainee system, etc.)

Development of personnel to oversee digitalization*

We have implemented the Group's unique digital human asset development program in collaboration with educational institutions such as universities.
Examples of training and programs:
・MS&AD Digital Academy
・MS&AD Digital College from Kyoto
・System x Design Thinking Workshop
・Research with Shiga University Graduate School

(*) Initiatives that will not only improve the efficiency and convenience of processes and services using digital technology, but also transform our Group’s overall business


Data scientist training support service, Aidemy Business Cloud (ADI) (in Japanese only)

Support for acquiring actuarial qualifications

We are encouraging and supporting employees to take qualification examinations conducted by the Institute of Actuaries of Japan (IAJ) as part of our efforts to develop actuarial professionals capable of applying probability, statistics and other methods to product development, risk management, etc.


ESG Data/Reference Material (number of actuaries)

Fostering Personnel to Shoulder the Future (Internships)

We offer internships from the perspective of developing human assets through industrial-academic collaboration, and help students grow by ensuring that these internships provide them with opportunities to gain a deeper understanding of the significance and appeal of the non-life insurance industry through group work and workplace experiences. We also hold internships for university and graduate students who are interested in specialized courses such as actuary data science.
*Owing to the pandemic, Aioi Nissay Dowa Insurance created a workplace experience video and posted it online in fiscal 2020.


Mitsui Sumitomo Insurance internship information (in Japanese only)

Aioi Nissay Dowa internship information (in Japanese only)