Japan’s birthrate is declining, its society is aging, and its total population is declining. It has been forecasted that the country’s population will drop below 90 million by 2060, with the elderly population rate – the percentage of the population aged 65 and older – reaching nearly 40%. The rising elderly population necessitates an environment in which the elderly can live with a peace of mind. This living environment must give consideration to an urban structure that makes it easy to get about, supports access to information on health and preventive medical care, and is adapted to the decline of bodily functions that comes with age and nursing care. At the same time, the urban structures needs to facilitate the slowing of population decline by creating an environment in which pregnant women, children, and people with children can live safely and with peace of mind. The MS&AD Insurance Group will promote good health so that people can remain active throughout their entire lives, provide asset-building means to support a fulfilling “second life,” and help develop business activities that lay the foundation for a super-aging society and thereby support “good health and longevity.”

Promoting Good Health and Preventing Illness

We provide services that promote fitness so that people can enjoy long and active lives, and we collaborate with universities to carry out studies/research on promoting good health.

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Assisting in maintaining physical and mental fitness

We have created the Kokokara Diary, a smartphone app that supports physical and mental fitness. The app can measure stress, automatically calculate and display calories burned by measuring steps, record meals, height, weight, sleep time, and other data. It can also be used to check medical care information. The application can be utilized by customers to manage their health. We also provide an exclusive website for corporate customers that can be utilized for health and productivity management.

Promoting good health in collaboration with the University of Tokyo’s Center Of Innovation

MS&AD Holdings, MSI,ADI and MSI Aioi Life Insurance have commenced efforts aimed at promoting good health nationwide in collaboration with the University of Tokyo’s Center of Innovation’s (COI) Self-Managing Healthy Society locations. MSI and ADI are currently developing insurance products to support health and productivity management that combine consulting services with a health management app based on an AI-driven health risk forecasting model.

Seminars to provide information on human life and medical care

To give customers a better understanding of the importance of health, medical care, and precautions, we have been holding variety of open seminars on health and medical care topics in addition to seminars as part of our joint project Cerebral Stroke Project with the Japan Stroke Association in locations nationwide.

Promoting health and productivity management and offering consulting services

We are partnering with local governments, chambers of commerce and industry nationwide, and the Japan Health Insurance Association to popularize and promote health and productivity management by holding seminars presented by instructors from MS&AD InterRisk and by offering consulting services that support corporate health and productivity management.

Expanding business to support a super-aging society

We are contributing to the development of businesses that support super-aging societies by making available a variety of solutions and support relating to nursing and medical care.

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Products for welfare/nursing care providers

We provide a comprehensive compensation plan for various risks related to welfare/nursing care providers (risk of compensation liability, information leakage risk, property damage risk, etc.), which also covers consulting costs for the prevention of accident reoccurrence. Furthermore, we provide another comprehensive insurance package that includes risk consulting options so that policyholders can receive the compensation that suits their needs.

Work and Nursing Care Dual Support Service for companies

We provide Work and Nursing Care Dual Support Service to human resources departments.

“My 100-Year Life Training” for financial institutions

We have developed and are providing My 100-Year Life Training which is designed to enhance the consulting skills of insurance agents in an age of super-longevity. The training curriculum helps insurance agents improve their ability to put forth proposals that meet a variety of insurance needs by using original business games (card games) designed to give the agents a realistic sense of what might be required for an unexperienced 100-year life.

Providing Products and Services to Support “Good Health and Longevity”

We provide means for asset-building and products/services tailored to customers’ needs designed to help people live fulfilling second lives in safe societies with peace of mind.

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Self-help-style asset building

  • We provide individual defined contribution (IDeCo) pensions through means that include financial institutions and agents. (MS, AD)
  • We provide products that support customers’ self-help efforts to build the assets needed for 100-year lifespans, including tontine-like* pension insurance capable of satisfying the need for long-term living benefits.
    (*) A type of insurance in which the indemnities paid for by deceased policyholders are reduced and the reductions are allocated to the pensions of still-living policyholders who receive more pension money the longer they live

Coverage for nursing care and dementia

We provide a Lifelong Nursing Care/Dementia Plan, a product that addresses nursing care risk for the treatment of dementia (official name: Lifelong Insurance (Reduced Cancellation Refund) with Non-Dividend/Lifelong Nursing Care Coverage Special Rider (No Cancellation Refund) (18) and Special Provisions on Lump-Sum Payments for Dementia). This plan offers coverage for persons requiring nursing care for dementia, a particularly expensive type of nursing care, and enables them to prepare more robustly and alleviate anxieties about nursing care.

Provision of coverage tailored to an aging society

  • We offer special landlord expense riders to fire insurance policies to cover expenses incurred from dealing with the losses arising from solitary deaths of elderly residents in rental housing. We also provide incidental services (furniture moving, light-bulb replacement services) through fire insurance to support the elderly in their day-to-day lives.
  • We are providing special riders that cover the liability for train delays not involving property damage to deal with the increasing risks arising from a growing number of dementia sufferers.