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 share the similar proposition with 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” and an essential element for our goal of the “resilient and sustainable society.”
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 disparity, and discrimination.

Initiatives in Support of “Leaving No One Behind” Overseas

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>

Provision of insurance for small loans to micro-entrepreneurs in the Philippines

Working together with BPI Direct BanKo, which provides small loans to micro-entrepreneurs, we started offering micro-insurance for loans in the autumn of 2019. We provide insurance to support the operations of micro-entrepreneurs even in the event of an unforeseen occurrence such as an accident or disaster
Number of plans sold in FY2020: 87,554
Total premiums: PHP 6,355,110 (Philippine Peso)

Provision of fire insurance for special housing for indigenous peoples in Malaysia

We packaged compensation related to the support scheme undertaken by the social enterprise EPIC Homes to improve the living conditions of indigenous peoples. Housing with compensation provides reassurance to the indigenous people living there and encourages participation in donor support schemes.

57 indigenous people, homes provided with our insurance in FY2020 (cumulative total)

Fire insurance premium for indigenous homes MYR 6,801 (Malaysian Ringgit)


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.
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

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 FY2020 sustainability initiatives(in Japanese only)

Investing in sustainable development bonds

We invested A$50 million (approx. 3.6 billion yen) in sustainable development bonds issued by the Inter-American Development Bank to support countries dealing with the coronavirus.


Press release (in Japanese only)

Initiatives 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. We also provide sign language, interpretation services in 17 languages, and translation services in 12 languages.

Automobile insurance for self-driving cars using electromagnetic induction lanes

MS&AD is the first in the industry to provide low-cost automobile insurance for self-driving cars using electromagnetic induction lanes, which are expected to be a new means of transport in depopulated areas with aging populations.


Press release (in Japanese only)

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

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) Prevention of accidents (GPS tracking services by security companies). 39,528 people have received cognitive function screenings as of April 30, 2021 (preliminary figures).
(There were 21,446 applications for dementia tests as of the end of March 2020)

Introduction of the Heartful Line Service

We introduced the Heartful Line Service for customers over 80 years old which, when they phone the call center, connects directly to the operator without going through the voice guidance.


Handling of a special clause for social contribution

In response to customers’ diverse range of values related to asset inheritance, such as good will of contributing to society by donating their assets, together with Sumitomo Mitsui Banking Corporation, we developed the industry’s first “special clause for social contribution,” which enables designated public interest groups* to be appointed as the beneficiaries of insurance claims (September 2019).
We are expanding the content of this clause based on customer feedback, and in July 2020, we added the Kyoto University’s CiRA Foundation as a designated public interest group.
* The following three designated public interest groups have been designated as of the end of September 2021:

・Japanese Red Cross Society ・Japan Committee for UNICEF ・CiRA Foundation


Addition of designated public interest groups in special clause for social contribution (in Japanese only)

The Mitsui Direct General Insurance Smile Fund, which donates to organizations according to the number of votes cast by policyholders

The Mitsui Direct General Insurance Smile Fund was launched in 2014, allowing policyholders to easily contribute to society with a single click. The total amount donated was 24.5 million yen with the number of policyholders involved at about 250,000 (as of July 2020).


The Mitsui Direct General Insurance Smile Fund (in Japanese only)

Affixing of Bell Marks to insurance products

As the only co-sponsor from the non-life insurance sector (as of July 2021), 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 (in Japanese only)

Fostering Dementia Supporters

We carried out training online in fiscal 2020 in light of the COVID-19 pandemic. In the same year, our Group jointly conducted promotion of the dementia training courses for employees with approximately 10,000 employees taking part as of the end of fiscal 2020.
MSA Life has entered into cooperation agreements with local governments to take part in community monitoring activities.

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

A social action organization operated by MS&AD Group employees who support the organization by undertaking volunteer activities and 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

MS&AD Unison Smile Club activities(in Japanese only)

Fundraising by executives and employees(in Japanese only)

Disaster volunteer activities

We are continuing our initiatives 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 initiatives in the disaster-hit areas.