At the heart of the SDG-focused 2030 Agenda for Sustainable Development lies the mission of ensuring that everyone can enjoy productive and satisfying lives toward the future while leaving no one behind as the society progresses. These are also essential elements for a resilient and sustainable society that is to be achieved by 2030 through realizing the MS&AD Insurance Group’s Mission of “contributing to the development of a vibrant society and helping secure a sound future for the planet, by enabling safety and peace of mind through the global insurance and financial services business.”
Our Group will partner with various sectors in taking on the challenges of making insurance/financial services more widely available and utilizing insurance to resolve such issues as poverty, social disparities, and discrimination.

Supporting Developing Countries

We are transferring insurance technologies to expand the communities and the number of individuals able to obtain insurance and engaging in social contribution activities in those areas that cannot be covered by insurance products or services.

<Principal Approaches>

Offering fire insurance specifically for the housing of indigenous inhabitants in Malaysia

This package covers assistance schemes operated by Social Enterprize, EPIC Homes which is aimed at improving the living environment of indigenous people. By offering compensation, we provide peace of mind to the local indigenous people and support the participation of donors in the support scheme.


Press release (MSIG Malaysia)

Greater access to insurance and job creation in India

We have set up small shops equipped with insurance kiosks in villages, towns, and small and medium-sized cities across the country, and are thus helping to expand access to insurance in regions where insurance had been previously difficult to obtain.
We have also contracted groups that are striving to create jobs in farming communities to issue insurance policies. This contributes to the process of creating jobs for women in farming communities where few job opportunities outside agriculture exist.


Cholamandalam MS General Insurance official website

Provision of Doreming Insurance Sales Service

We have begun collaborating to offer services linked to Doreming* in order to provide more people have not been able to access to insurance.
(*) A work attendance management system that enables employees to receive their wages via electronic money on a per-diem basis, thereby stabilizing and improving the livelihoods of low-income people who do not have bank accounts and are unable to utilize financial services.


The Japan Unisys Group, MSI, and Doreming Asia begin collaborative efforts to provide Doreming Insurance Sales Service (Japanese only)

Donations to help supply vaccines to the world’s children

For each new policy sold among our &LIFE brand of insurance products, we make a donation to the Japan Committee - Vaccines for the World's Children who use the donation to purchase vaccines.


Results of FY2018 sustainability efforts (Japanese only)

Efforts in Support of “Leaving No One Behind” in Japan

Through our business endeavors, we are aiming to ensure that no one is left behind, focusing on issues such as poverty, disparities, and discrimination in Japan.

<Principal Approaches>

Provision of easily comprehensible information

In addition to utilizing personal computers and smartphones, we are instituting procedures that give due consideration to the needs of the elderly and people with disabilities by adopting eye-friendly and easily readable fonts (Universal Design Font, etc.) for use in pamphlets for our primary products together with easy-to-understand words, figures, and illustrations to convey information.

Support for raising public awareness about foster care systems

We have supported efforts to raise public awareness about Osaka’s foster care system, which had the lowest foster placement rate in Japan.

<Specific efforts>

  • Co-sponsorship of the Foster Care Forum (August 2017) hosted by Osaka Prefecture
  • Establishment of a new foster care insurance system (made-to-order- liability insurance) to strengthen the foster care support system

Development of an accident relief system linked to dementia ordinances (dementia "Kobe Model")

Having been entrusted with the administration of the accident relief system linked to Kobe’s dementia ordinances, we have developed Japan’s first comprehensive three-pronged coverage scheme for dementia: (1) accident relief (insurance), (2) system expansion (encouragement of early dementia testing), and (3) accident prevention (GPS tracking services by security companies).

Traffic safety training sessions for foreign residents in their native language

We have teamed up with Toyohashi City, home to numerous foreign residents, to hold panel sessions on traffic safety education for the Brazilian community that makes up the city’s largest segment of foreign residents. We are preparing texts in Portuguese that explain Japan’s traffic rules and expand on the need for sign up for insurance.

Affixing of Bell Marks to insurance products

As the only co-sponsor from the non-life insurance sector (as of April 2019), we are participating in the Bell Marks campaign which is designed to ensure that all children equitably receive education in productive environments. We have affixed the Bell Marks to all of the Tough-series products.


Guide to Bell Marks-designated insurance products (Japanese only)

Fostering of Dementia Supporters

We are encouraging employees and agents to attend training classes for dementia supporter so that they can acquire accurate knowledge about dementia and the know-how needed to support dementia sufferers and their family members. We also encourage them to go to participate in monitoring activities as dementia supporters in their respective communities. In FY2018, the Group worked to encourage employees to attend the training classes for dementia supporters (approximately 8,000 employees have taken part in these classes as of the end of FY2018).

Cultivating a Sustainability Mindset among Employees

Employee participation in social contribution activities in their local communities not only advances the personal growth of the employees but also prompts them to learn more about social issues and consider the solutions needed to achieve a sustainable society. Social contribution activities carried out by corporate citizens extend the employees’ antennas into communities and societies, foster ability to image, and build networks with communities. We, as a company, are providing opportunities for employees to engage in a variety of local activities alongside community residents both inside and outside Japan.

<Principal Approaches>

Social contribution activities carried out nationwide

Group companies are actively taking part in global environmental conservation/social contribution activities tailored to the needs of individual communities.

MS&AD Unison Smile Club

This social action organization is operated by MS&AD Group employees who support its activities by making donations in 100-yen units from their monthly salaries. The club makes donations to NPOs and other organizations and undertakes employee volunteer activities.


MS&AD Unison Smile Club

Disaster volunteer activities

We are continuing our efforts to provide aid to the victims of the Great East Japan Earthquake as exemplified by our co-sponsorship of soccer classes featuring J-League players as well as sales events and running events to generate funds for reconstruction assistance. When floods or other disasters strike, employees obtain information on volunteer activities from their companies and disaster-hit areas, and then participate on their own in relief efforts in the disaster-hit areas.