Products and services that contribute to achieving Sustainable Development Goals (SDGs) | Our Value Creation Story | Sustainability

Net-zero emissions Support Special Clause for corporate fire insurance

Commercial fire insurance endorsement for additional installation costs that will lead to emission reduction in the course of repair of damaged properties

Helping companies to reduce carbon emissions

Endorsement for cost of replacement with electric vehicles, etc.

Coverage for costs incurred when replacing an insured gasoline-powered vehicle with an EV, etc. due to an accident

Helping to create a net-zero society

Provision of Service for calculating and visualizing GHG emissions (Telematics Automobile Insurance)

Provision of a new service for visualizing CO2 emissions reduction through safe driving, using a unique algorithm, targeting policyholders of Telematics Automobile Insurance

Helping to create a net-zero society

Comprehensive coverage plan for mega-solar farm products

Comprehensive coverage of risks faced by renewable energy producers

Promoting reduction of CO2 emissions (reducing impact on the environment) with alternative energy

Imbalance risk compensation insurance for renewable energy producers/aggregators

Coverage of losses sustained by renewable energy producers, etc. due to imbalance between their generation plans and actual amounts of generated energy as a result of climatic changes, generation equipment failure, etc., targeting renewable energy producers

Helping to the promotion of the renewable energy business and realization of decarbonization

Insurance package for PPA business operators

Provision of "Insurance Package for PPA Business Operators" to cover not only the risk of damage to power generation facilities but also the risk of having to procure alternative sources of renewable energy and environmental value due to such damage, with the aim of promoting spread of the "PPA model," which is being introduced as one of the renewable energy procurement methods

Contributing to wide development and promotion of renewable energy business and realization of decarbonization

Service attached type of Power Generation Imbalance Fee Compensation Insurance

Provision of the service attached type of Power Generation Imbalance Fee Compensation Insurance covering deficit imbalance fees for solar power generation companies

Contributing to wide development and promotion of renewable energy business and realization of decarbonization

Environmental Pollution Liability Insurance for CCS Operators

Contributing to realization of net-zero emissions through providing an insurance that covers the risk of damage related to CCS projects, for which demonstration experiments are progressing for commercialization

Contributing to realization of decarbonization

J-Credit (Japan Greenhouse Gas Emission Reduction/Removal Certification) Scheme Participants Support Insurance (for local governments)

Coverage of risks sustained by local governments in relation to program-based projects aimed at implementing decarbonization activities utilizing the J-Credit scheme

Helping to realization of decarbonization

Comprehensive offshore wind power generation system coverage

Comprehensive coverage of risks faced by renewable energy producers

Promoting reduction of CO2 emissions (reducing environmental burdens) with alternative energy

Weather derivatives

A financial derivative that covers damage caused by extreme weather.
U.S. subsidiary, MSI Guaranteed Weather, is actively engaged in global sales of weather derivatives, with a focus on Japanese companies operating overseas

Stabilizing company earnings by avoiding and mitigating losses incurred by abnormal weather and weather instability.
Contributing to sustainable business activities

Weather index insurance platform for farmers

Development of a dedicated platform that enables customers to obtain online quotes in real time on weather index insurance, and launch of the insurance to farmers in Australia.

Stabilizing company earnings through avoidance and/or mitigation of losses incurred due to abnormal weather and weather instability.
Contributing to sustainable business activities

Sympathy Money Insurance for payments to neighborhood victims (PPA business operators)

Covering expenses such as sympathy money incurred by PPA* business operators in cases where damage to their power generation equipment as a result of natural disasters such as typhoons have resulted in damage to the properties owned by neighboring residents and companies, even when the operators are not held liable for compensation
*Abbreviation of Power Purchase Agreement model

Helping to the promotion of the renewable energy business and realization of decarbonization

Climate change risk analysis service

Provision of services that support our clients in building a climate change governance structure, performing scenario analysis, and developing a climate strategy in accordance with the TCFDʼs Final Recommendations through assessment and analysis of such risks of which companies need to be aware

Assessing and analyzing climate change risks

LaRC flood risk analysis service

Launch of Large-Scale Assessment of Flood Risks Due to Climate Change (LaRC-Flood®)" project in collaboration with the University of Tokyo, Shibaura Institute of Technology

Realization of highly accurate estimation of inundation depth distributions based on the effects of climate change, with support from the New Energy and Industrial Technology Development Organization (NEDO), a national research and development agency

Launch of the distributions made available free of charge as a global-scale flood hazard map, together with a new consulting service utilizing that hazard map, which enable[d][s] . quantitative impact assessments on a global basis and supports identification of physical risks in the event that climate change is actualized.

Assessing and analyzing climate change risks

Renewal of our dedicated Web page for policyholders

Significant reduction of the effort required for customers to register for use through renewal of our dedicated Web page for policyholders and step-by-step digitization of notifications, which were previously sent out by postal mail. Promotion of paperless initiatives in collaboration with customers.

Contributing to reducing environmental impact and improving customer convenience through paperless services

Eco insurance policies/Web clauses

A system that enables policyholders to view their policy certificates and policy clauses on the websites

Improvement of sustainability of natural capital

Support for nature-related risk analysis in line with TNFD

Support for conducting scoping of analysis targets, analyzing priority regions (including value chains), and dependencies and impacts, and for considering business risks/opportunities and disclosing information based on the results thereof, in line with the guidance of the Taskforce on Nature-Related Financial Disclosures (TNFD)

Supporting environmentally conscious business activities

Basic evaluations of water-related risks

Basic evaluation of exposure to water risks such as water depletion, drought, flood and decline in water quality (present/future) on individual production sites (domestic/ overseas)

Supporting environmentally conscious business activities

Biodiversity-conscious land-use consulting

Services that support companies’ activities to preserve biodiversity and assess biodiversity risks in business activities

Supporting environmentally conscious business activities

Provision of a discount on premiums to businesses
working on recycling of plastic resources

With the aim of supporting promotion of plastic resources recycling, provision of discounts on premiums for certain types of liability insurance products to companies working on such recycling with discounts on premiums for certain types of liability insurance products

Supporting environment-conscious business activities

Supporting reduction of roadkill incidents

Installation of an alert function in dedicated dashcams for automobile insurance in order to prevent the occurrence of automobile accidents rank high as a cause of death for rare species of animals (roadkill) and donations based on sales to organizations, including those working on protection of rare animals and reduction of roadkill incidents

Improvement of sustainability of natural capital

Endorsement for Compensation of Additional Costs for Responses to Marine Contamination

Coverage of costs of such actions as preservation and restoration of damage to the natural environment, which vessel operators voluntarily carry out at times of marine accidents

Helping to preservation and restoration of natural capital and biodiversity

Endorsement for Extended Compensation for Contamination Damage

Coverage of a wide range of risks including liability for damages and expenses of contamination clean-up arising out of unexpected and sudden outflow of contaminants from various facilities, such as a factory

Helping to preservation and restoration of natural capital and biodiversity

Providing coverage of reforestation expenses, etc.

Coverage of expenses necessary for reforestation of forests damaged by fire, etc., which have been outside the coverage of conventional forest fire insurance

Improvement of sustainability of natural capital

Corporate Green Spaces Support Package

Provision of insurance products/related services that package "Surugadai Green Space Inspection Guide," "Corporate Green Space Consulting Service," and "Corporate Green Space Insurance" to support corporate green space initiatives in consideration of natural capital and biodiversity

Improvement of sustainability of natural capital

Liability insurance for “Noyaki (Open Burning)”

Ensuring safety and security through coverage of damage related to the spread of fire to other property for Noyaki (open burning), which is carried out in Aso for the purposes of maintaining and restoring grasslands, conserving biodiversity, storing carbon, and recharging downstream water sources

Improvement of sustainability of natural capital

Products recall expenses insurance for food service businesses - Shoku-eco

When a food company (the insured) recalls food due to mislabeling expiry dates, Kuradashi reduces food loss by purchasing the food (those without any issues other than mislabeling). Because of this, disposal costs (or insurance payouts) are reduced meaning insurance premiums can be offered at a 10% discount

Helping to stop food waste issue

Electronic policy procedures

A system enabling customers to complete policy procedures on-screen via their smartphones, PC or tablet devices, and enabling agents to complete policy/change procedures on their own PC or tablet devices

Helping to reduce environmental impact by going paperless

Eco-mark automobile insurance

Automobile insurance with Eco-Mark certification through promotion of Eco-insurance policy and web policy clauses, provision of information for safe driving, and initiatives to reduce impact on the environment, such as encouraging the use of recycled automobile parts

Helping to environmental conservation and reducing the impact on the environment

Policyholder app (Mitsui Direct non-life insurance app)

The services of Mitsui Direct General Insurance are bundled in one app so that the “Strong and Tender” concept can be delivered to customers. Various inquiries and procedures for automobile insurance and special benefits and coupons become available. The “Smart Renewal” feature was launched in October 2020, making it easier for policyholders to renew their policies

Helping to paperless procedure as well as convenience by allowing for inquiries regarding contract details and the checking of progress in the case of an accident, providing new applications and continuing procedures, etc.

MD (★)

Remote application procedures for a paperless, contactless service

A completely paperless service from providing information through video, to responding to inquiries and the application process

Helping to prevent the spread of infectious diseases through non-contact, reducing the impact on the environment by going paperless, and improving customer convenience.

Insurance to support stable supply of green power certificates

When the facilities of a green power company contracted by the issuer are shut down because of a disaster or other such event, the additional costs that issuer owe to procure green energy value from other power companies, etc. can be covered

Helping to create a net-zero society.

Automobile insurance "EV charging equipment damage coverage special clause"

Coverage for damages to electric vehicle charging equipment and alternative charging costs incurred while the damaged equipment cannot be used

Helping to create a net-zero society

Endorsement for rental car costs at times of suspended operation of hydrogen stations, under Automobile insurance

Coverage of rental car cost incurred when an insured vehicle is regarded as inoperative due to halted operation of nearby hydrogen stations resulting from such coincidental reasons as "accident," “failure,” “operator’s bankruptcy” and “operator’s withdrawal from business”

Helping to create a net-zero society

Net-zero emissions support

One-stop support for corporate net-zero initiatives at all stages, including introduction, strategy, and reduction, in collaboration with external organizations regardless of industry size

Contributing to create a net-zero society

Renewable energy support service

Consulting services regarding assessment of business risks associated with renewable energy (solar power, wind power, biomass, etc.), as well as energy conservation, improved comfort in the working environment, and reduced energy costs

Supporting stable development of renewable energy businesses

Service for accepting online handling of transfer accounts

A service to enable customers to carry out account-related procedures via the Internet, such as registration and changing of insurance premium transfer accounts through smartphone reading of a QR code and selection of a preferred financial institution on a dedicated site for account registration

Helping to reduce environmental impact by going paperless

Mobile application-based payment service

A premium payment service as a replacement for direct collection, enabling customers to pay premiums through smartphone reading of a QR code and selection of a contracted payment service from various listed services

Helping to reduce environmental impact by going paperless

Safe and secure society (Resilience)

[Major relevant SDGs]

Goal 1: No poverty
Goal 2: Zero hunger
Goal 3: Good health and well-being for all
Goal 8: Decent work and economic growth
Goal 9: Industry, Innovation and Infrastructure
Goal 11: Sustainable cities and communities

(★) links are "in Japanese only"

Products and Services	Outline	Contribution to solving social issues	Details

Cybersecurity Insurance

Comprehensive coverage for risks such as those brought about by cyber-attacks. A line-up of various services, including risk assessment service and emergency service in the event of accidents, which contribute to prevention and minimization of losses, and to prompt restoration of services

Helping to the stabilization of corporate management and supporting social development

Cyber risk consulting

Provision to companies of a one-stop support for development of a system to multilaterally assess cyber risks and protect against them in a multi-layered manner, including a menu of services corresponding to each phase of “organizational system development,” “risk identification,” “protection,” “detection,” and “responses/restoration"

Supporting cyber risk measures taken by companies

Comprehensive Telecommuting Coverage Plan

Coverage for various kinds of risks of companies promoting teleworking, which widely covers liability for information leakage due to cyber attacks and liability caused by labor management of employees

Helping to the spread of telework, promoting the creation of social value through the realization of a work-life balance and contributing not only to the prevention of the spread of COVID-19 infections but also to the diversification of working styles in post-pandemic

GIGA school concept compensation plan for sales operators

Provision of a plan to cover the risk of companies selling laptops and tablets to local governments to realize the GIGA School Concept

Contributing to the development of educational ICT environments

Developed the world's first "Lunar Insurance" to cover risks arising out of navigation to and landing on the Moon

Coverage for risks from launch to landing on the Moon in lunar-related business activity, which is expected to expand in the future

Providing solutions to mitigate risks arising in the new space domain

Streaming Event Cancellation Insurance

Coverage targeting providers of streaming delivery services for risks such as refunding of fees due to delivery failure caused by equipment defects in the streaming of online concerts, online sporting events, online tours, etc.

Covering performance cancellation risks associated with streaming delivery

Dedicated
Insurance Coverage for NFT Art

Coverage targeting exhibitors of digital artworks for damage sustained when their owner information is falsified through unauthorized access by a third party

Covering damage due to unauthorized access

Services through utilizing metaverse

Development of “Future Design Metaverse," and provision of content to enable cooperative consideration of a potential future energy system through Avatar (Mitsui Sumitomo Insurance)
Start of development of metaverse in Fortnite and support activities for creators aimed at establishment of insurance products/services/customer contact points prior to the creation of a new economic zone (Aioi Nissay Dowa Insurance)

Development of new insurance products and services which will support economic activities in the virtual space, “metaverse”

Exclusive package insurance for metaverse

Coverage for three risks such as cyber attacks/information leakage, Fraud occurring in metaverse and cancellation of events in metaverse

Development of new insurance products and services which will support economic activities in the virtual space, “metaverse”

Loss prevention and reduction system for local governments “Loss Prevention Dashboard”

Provision of support for disaster prevention and mitigation measures in local communities to help protect the lives and property of residents through central visualization of real-time weather data in relation to disaster risks, flood forecast data for 30 or more hours ahead, and AI-based estimation of post-occurrence damage.

Supporting disaster prevention and mitigation in local communities

Real-time damage forecasting website cmap.dev

Real-time damage forecasting website and app, cmap.dev

As part of a joint research project with Aon Group Japan Co., Ltd., and Yokohama National University, we have established a system for forecasting, by municipality, the number of buildings likely to be damaged and the damage rate due to typhoons, heavy rains, and earthquakes. This information is available free-of-charge on the website and in app. Information, including SNS information on weather, damage and lifelines, and information on evacuation site locations is also available free of charge on the website. In addition to the functions of the website, the application allows users to receive push notifications of emergency information in the event of a disaster, and to view and post various types of risk information surrounding their daily lives.

Supporting the early identification of the scale of damage and rapid rescue and support activities in the event of a disaster

Details
ADI (★)

Evacuation insurance plan

A plan consisting of summarized effective measures for supporting a local public body in establishing an evacuation scheme, which we have prepared utilizing the knowledge and know-how acquired through validation of specific risks and measures related to resident evacuation in the event of disasters

Supporting establishment of a scheme which enables rapid evacuation of persons requiring support in the event of disasters

Natural disaster hazard information survey

Service to diagnosing the location risks for corporate facilities by collecting and organizing hazard information based on comprehensive surveys on earthquakes, wind and water disasters, volcanic eruptions, lightning strikes, snow accumulation, and more

Supporting corporate risk measures in the event of a natural disaster

Flood disaster countermeasure support service

Risk assessments for river flooding, inundation of inland waters, and storm surges, and formulating damage prevention plan, mitigation measures and BCPs against flood disaster

Helping to ensure continuity and early recovery of core business while minimizing damage to a company’s business assets in the event of a disaster such as river flooding, inundation of inland waters or storm surges

Sediment-related disaster risk diagnosis

Simulation risk assessments of sediment-related disasters (debris flows, landslides, etc.) at individual sites based on “largest recorded” and “potential largest” rainfall scenarios

Supporting the prevention of sediment disasters by identifying the risk of slope failures at business and planned sites

Wind disaster risk diagnosis

Preparation of a 3D model through using 3D CAD based on drawings and exterior photographs and submission of a report including visualized wind load on a building and wind flow during strong winds, with the surrounding terrain and buildings taken into consideration

In order to reduce damage caused by strong winds, utilized for examining measures for buildings and outdoor equipment that should be taken daily.

Flood risk information integrated confirmation system (Sui Search)

Providing a website that enables the acquisition of various types of information related to water disasters at multiple sites either “in summary” or “in real time” and the automatic determination of the timing of various responses and decisions (= alert stage judgments)

Supporting companies in their loss prevention responses at times when damage due to typhoon, heavy rain, etc. is anticipated

Volcanic eruption measures service

Launch of a service for comprehensively supporting identification of risks relating to volcanic eruption, emergency responses, business continuity measures, training in normal times, etc., in line with the 2021 revision of the Hazard Map of Mt. Fuji, which had not been revised for about seven years

Supporting the development of a business continuity plan (BCP) assuming volcanic eruptions

Weather information alert service

Email alerts when forecasts of rainfall, wind speed, or snowfall at monitored locations exceed threshold, or when lightning is observed within a threshold distance

Preventing and mitigating damages caused by natural disasters

Evacuation support insurance for supporters/persons requiring support

Provision of insurance products to cover provision of compensation for accidents to persons requiring support during evacuation activities, etc. based on individual evacuation plans that compile information on such persons and evacuation methods, as well as injuries to supporters or persons requiring support during evacuation support activities.

Supporting disaster prevention and mitigation in local communities

Endorsement for lump-sum payment in the event of evacuation due to specific emergency disasters, etc.

Endorsement for a lump-sum payment in the event of the need to relocate to an evacuation shelter, etc. due to a disaster of a certain size or greater, such as being designated as a specified emergency disaster area, regardless of whether or not there is damage to the insured object.

Supporting disaster prevention and mitigation in local communities

Preparing against natural disasters

In response to growing customer interest in flood and earthquake compensation due to the more frequent occurrence of natural disasters in recent years, promotion of initiatives to remind customers of the importance of “being prepared,” before a disaster occurs.

Supporting disaster prevention and mitigation in local communities

Earthquake insurance

Coverage for losses to buildings and household goods caused by fires, damage, being buried, or being washed away as a result of earthquakes, volcanic eruptions, or tsunami

Helping to rebuild the lives of those affected by earthquake and the early recovery of areas hit by earthquakes

MSI (★)
ADI (★)

Smartphone app: Smartphone Disaster Navigator

A smartphone app to identify user’s current location using GPS and to display information regarding nearby evacuation shelters and hazards on a map. The camera function displays directions to the user’s home or nearby evacuation center on a landscape screen for safer evacuation. Disaster prevention information for the user’s current location is also sent out in real-time by push notifications. Available in English, Chinese (traditional and simplified), Korean, Vietnamese, Tagalog, and Portuguese, except for some features

Supporting safe and secure behavior in the event of a large-scale natural disaster

Provision of applications that support safe driving

Provision of various menus (applications, services, etc.) leading to safety and peace of mind through utilizing telematics technology

Supporting local disaster prevention and mitigation through utilization of DX

AD Tele-millage, points program for policyholders

Points program for policyholders of Telematics Ａutomobile Insurance. A service whereby points are earned by taking on the challenge of initiatives that lead to safe driving, and can be used to obtain coupons that can be redeemed for prizes based on points or for making donations to support various organizations

Helping to prevent traffic accidents and supporting safe driving

Driving skill improvement training

A brain training game for improving concentration, awareness and driving skills. Easy and fun training with smartphone

Helping to prevent traffic accidents and supporting safe driving

TOUGH Connected Automobile Insurance

Automobile insurance with a reasonable insurance premium calculated in consideration of the distance traveled and discounts based on safe driving scores, using the most advanced telematics technology, which is applied for connected cars that meet certain requirements

Contributing to creation of safe and secure communities through preventing traffic accidents by providing "safe driving incentives (discounts)" and "safe and secure services."

GK Mimamoru (Dashcam-based) Automobile Insurance, TOUGH Mimamoru Automobile Insurance, Tsuyokute Yasashii (Tsuyoyasa) Automobile Insurance Rescue Dashcam (Dashcam Optional Policy)

Automobile Insurance with the concept of "supporting customers' safe driving and safeguarding their driving against an accident" by utilizing the latest telematics technology. In addition to a driving diagnosis by analyzing the driving data of the contracted car, a wide range of alert services support customer’s safe driving. In the event of an accident, our operator will contact to confirm safety and provide advices such as what steps to be taken

Helping to prevent traffic accidents and supporting safe driving

TOUGH Mimamoru Automobile Insurance plus (dashcam-based)/TOUGH Mimamoru Automobile Insurance plus S/TOUGH Mimamoru automobile insurance NexT

Automobile insurance that reflects the degree of safe driving in insurance premiums based on driving data obtained from a dedicated dash cam/simplified vehicle-mounted device/smartphone

Contributing to creation of safe and secure communities through preventing traffic accidents by providing "safe driving incentives (discounts)" and "safe and secure services."

“F-Dora” drive recorder telematics service for fleet policy holders

Service of three types of support: “during accidents/emergencies,” “accident prevention measures,” and “operation management,” using our original dedicated dash cams and the industry’s first driver-facing camera

Helping to prevent serious accidents by detecting and alerting in the case of dangerous driving behavior (dozing off, not paying attention or talking on the phone) using a driver-facing camera, in addition to supporting safe driving efforts by companies

Sasaeru Navi

Telematics service for fleet policyholders

Supporting corporate customers with their vehicle management and efforts to reduce accidents

Four Safety ‒ Support service preventing the use of mobile phones while driving

A smartphone application, by plugging a designated terminal into the automobile’s cigarette lighter socket, automatically controlling a smartphone (including telephone and apps) once a certain speed (20kph) is exceeded. Administrators can check whether smartphones have been controlled and driving patterns, such as sudden acceleration or deceleration, for each employee through a dedicated website

This service can be used by companies to ensure safe driving practices. Supporting the creation of corporate value by helping to prevent distracted driving, a social issue

Support for rebuilding the lives of disaster victims

In light of increased severity and frequency of natural disasters, provision of a service to help local governments take actions in relation to the victimsʼ life reconstruction support system in the event of a flood disaster; in particular, prompt issuing of disaster certificates and working efficiently to deliver the certificates in order to support early resettlement for disaster victims.

Enabling local governments to reduce their workloads in investigation and improve efficiency in the administrative work of issuing disaster victim certificates and realizing prompt restoration of disaster victims' living situations through receipt of assistance under various support programs, such as disaster sympathy money and tax reductions/exemptions.

Supporting the establishment of Business continuity management system (BCMS)

A service to 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 (BCP)

Helping to ensure continuity and early recovery of core business while minimizing damage to a company’s business assets in an emergency

Details
InterRisk (★)

Supporting for securing housing for single elderly households

Development of a new insurance product/service utilizing IoT devices that alert property management companies when specific behaviors are detected, such as signs of lonely death, in order to secure stable housing for single elderly households

Supporting resolution of issues particular to an aging society

Disaster countermeasure support insurance

Coverage for expenses incurred when a business operator who has concluded a disaster support agreement (“Agreement”) with a local government provides supplies and/or dispatches personnel based on the Agreement

Supporting business operators’ social contribution activities in the event of a natural disaster

Endorsement
covering emergency evacuation of vehicles in the event of disasters

Coverage for the costs incurred by companies in evacuating their vehicles when evacuation information has been issued by local governments in relation to a natural disaster

Disaster support in cooperation with local governments

Coverage for traffic accidents involving fire brigade members, etc. engaged in firefighting activities

Coverage for private vehicles, etc. of fire brigade members, etc. used in fire-fighting activities against traffic accidents involving those vehicles during such activities

Supporting enhancement of local communitiesʼ disaster prevention capabilities

Platform Clover

Support for SDGs initiatives by local governments, commercial/industrial groups, regional financial institutions, and small/medium-sized companies through providing online SDGs platform “Platform Clover” to co-create a sustainable society

Supporting SDGs initiatives by local governments, commercial/industrial groups, regional financial institutions, and small/medium-size companies

Proposal of business continuity plans
(BCP)

Holding of seminars and other events to help companies formulate BCPs that allow them to rapidly restore and continue their business operations, even after natural disasters or unexpected accidents occur

Helping to ensure continuity and early recovery of core business while minimizing damage to a companyʼs business assets in the case of an emergency

Regional revitalization support site

Establishment of a website to help local governments support regional revitalization initiatives and dissemination of information on such initiatives carried out by each local government, and to provide useful information for local governments online

Supporting regional revitalization initiatives of local governments

Regional issue resolution through provision of "Unoccupied House Package"

Provision of products and services that will promote distribution and utilization of unoccupied houses in partnership with operators of platforms which connect house owners, businesses, and local governments with the aim of promoting regional revitalization through addressing issues relating to unoccupied houses

Contributing to regional revitalization through addressing unoccupied house issues

Support for optimization of road inspection
and management services through
automatic detection of road damage using
AI analysis "DORA-RECO (Dashcam) Road
Manager"

Automatic detection of road damage through AI analysis of data collected from dashcams owned by Mitsui Sumitomo Insurance, thereby realizing optimization of conventional road patrols carried out by visual checking.

Supporting optimization of operations of local governments through DX promotion

U-Medical Support for veterinarians and livestock farmers

Provision of U-Medical Support, a service to digitally support communications between veterinarians and farmers for the diagnosis and treatment of cattle

Supporting farmers through DX promotion

Provision of automobile insurance for self-driving vehicles utilizing electromagnetic induction lanes

Provision of low-cost automobile insurance for self-driving vehicles that use electromagnetic induction lanes, which are expected to be a new means of transport in depopulated areas with aging populations, and in other areas.

Supporting resolution of social issues through DX promotion

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

Development of comprehensive three-pronged coverage scheme for dementia: (1) Accident relief, (2) System expansion, and (3) Prevention of accidents under entrustment with the administration of the accident relief system linked to Kobeʼs dementia ordinances

Supporting resolution of issues particular to an aging society

Provision of easy-to-understand information

In addition to utilization of personal computers and smartphones, adoption of procedures with due consideration given to the needs of the elderly and people with disabilities and eye-friendly, easily readable fonts (Universal Design Font, etc.) for use in brochures for our primary products, provision of information using easy-to-understand language, figures, and illustrations, as well as provision of sign language, interpretation services in 17 languages, and translation services in 12 languages.

Supporting resolution of issues particular to an aging society

Introduction of Heartful Line Service

Introduction of the Heartful Line Service for customers aged 80 years and older, which, when they phone the call center, connects directly to the operator without going through the voice guidance

Supporting resolution of issues particular to an aging society

Endorsement for social contribution

Joint development with Sumitomo Mitsui Banking Corporation of Endorsement for Social Contribution, which enables designated public interest groups to be appointed as beneficiaries of insurance claims, in response to customersʼ wide range of values in relation to asset inheritance, such as goodwill through contributing to society by donating their assets

Supporting resolution of issues particular to an aging society

Comprehensive Coverage Insurance for Mobile Application-based Payment Service Providers

Coverage for damages caused by illegal access through a mobile application-based payment service

Helping to the spread of secure and safe cashless payment

Coverage plan for sharing economy-based business

Insurance products with order-made conditions for coverage required for various business situations. This plan was developed to respond to coverage needs for personal liability insurance valid only for the user and only for the period of use, arising from the spread of the sharing economy

Helping to the development of sharing economy-based business

One-day Leisure Insurance

Leisure insurance providing only the required coverage only when needed

Helping to enriching customers’ lives

Built-in Insurance

Insurance for users of digital businesses, utilizing digital insurance sales platforms to share data with such businesses

Providing safety and security to users of e-commerce and sharing services

One-day Insurance/One-day Supporter

Automobile insurance for rent vehicles that is available in daily increments

Promoting the reduction of accidents caused by uninsured vehicles

Automobile insurance for car share platforms

Coverage for damage caused by non-return in car sharing

Helping to solving issues unique to car sharing that conventional vehicle insurance cannot afford

MSI (★)
ADI (★)

Smartphone app: Suma-Ho Driving Ability Diagnosis

Service providing analysis of driving skill characteristics, dash cam, eco drive diagnosis, audio warnings when drivers are approaching locations where accidents frequently occur, extreme weather forecasts, and other services

Helping to prevent traffic accidents and supporting safe driving

Automobile risk management service

Effective programs and solutions to prevent and reduce accidents

Helping to prevent traffic accidents and supporting safe driving

Transportation safety management seminar

Seminars on accident prevention and reduction for automobile transportation companies certified as an implementing organization by the Ministry of Land, Infrastructure, Transport and Tourism

Helping to prevent traffic accidents and supporting safe driving

Automobile Insurance: Special endorsement for additional rental alternative car cost due to lending own electric vehicles based on a disaster support agreement

Coverage for rental car costs incurred when a business operator lends its electric vehicle, etc. to a local government (in line with any disaster support agreement) and needs to arrange a tentative

Supporting the construction of regional cooperation systems in the event of a disaster and supporting the wider use of electric vehicles by encouraging the effective use of electric vehicles (emergency power supply)

Smartphone app: Suma-Ho Disaster Navigator

Supporting safe and secure behavior in the event of a large-scale natural disaster

MSI(★)

Repair service for damaged equipment

Service to dispatch experts to conduct a survey of contamination on buildings, machineries, and facilities damaged from fire smoke, soot and rust after fire or flooding etc., and conduct decontamination works

Supporting early full-scale recovery of customer’s businesses from damages caused by disasters by repairing damaged machineries and equipment, which previously had to be replaced with new ones

Earthquake and tsunami risk management consulting

Support for the enhancement of countermeasures based on calculations of estimated damage amounts taking into account the effects of earthquakes and tsunamis, field surveys, etc

Helping to ensure continuity and early recovery of core business while minimizing damage to a company’s business assets in the event of a disaster such as an earthquake or tsunami

BCP development support services for international business

Supporting countermeasures in light of serious risks overseas, such as accidents and natural disasters

Supporting the development of overseas business

Building damage calculation system using AI

A system whereby photos, simply sent from a smartphone or a PC, can be automatically analyzed using AI to detect damaged areas and instantly assess the amount of coverage

Since quotes for repair do not need to be submitted, insurance claims can be swiftly paid out helping customers to quickly rebuild their lives after a disaster.

Comprehensive global business coverage plan

Comprehensive coverage to cover risks related to overseas business expansion for small and medium-sized enterprises (SMEs)

Facilitating the smooth operation of business activities overseas to support the stabilization of SMEs' business operations overseas and the development of local communities

Supporting companies in expanding overseas operations

Risk management services for small and medium-sized enterprises expanding their business overseas

Helping to expand overseas operations of small and medium-sized enterprises

Export food insurance

Coverage for risks that occur when exporting food, such as spoilage and deteriorating quality due to accidents during transportation

Supporting new exports by SMEs and contributing to the sustainable development of Japan's agriculture, forestry and fisheries and food industries.

Consulting on occupational health and safety, and on development of safety culture

Provision of training and consultation on occupational health and safety, diagnosis of current status, and consultation toward development of a safety culture which supports and activates safety control

Supporting prevention of work-related accidents and facility disasters

Sustainable Development Goals (SDGs) promotion support services

Providing training and consulting services to assist companies in developing their strategies and strengthening their efforts toward the SDGs

Supporting regional revitalization and solving social issues through the SDGs

Consulting on new infectious diseases such as new strains of influenza countermeasures

Consulting services to support customers in measures against new strains of influenza and other new infectious diseases from a variety of perspectives, including infection prevention, spread prevention, response to business partners, business continuity, and reputational damage

Helping to prevent and limit the spread of infection

Solicitation system to be completed online

Introduction of “&LIFE e-Net,” a solicitation system that enables workers to complete online application for employees in their workplaces and for some customers

Providing a system to meet the need for non-person-to-person processing, which is increasing with the progress of digitalization

Rep and Warranty insurance with labor due diligence service

Representation and warranty insurance for small businesses incorporating a labor due diligence service

Proposing labor due diligence risks during small-scale M&A.

MSI (★)
ADI (★)
MSI Aioi Life (★)

Family Eye (notification system for relatives)

A system in which any one relative of a policyholder is registered as an emergency contact in relation to matters regarding insurance policies. It enables our company or agents to contact the registered relative and ensure more reliable delivery of important notifications concerning insurance policies in an emergency, such as when we cannot contact the policyholder, or to share with the relative contract information, following completion of an identification procedure based on the registered information, in order to respond to the registered relative’s inquiry

Providing peace of mind to single elderly-person households as well as to policyholders/family members in the event of hospitalization/disaster

Happiness of diverse people (Well-being)

[Major relevant SDGs]

Goal 3: Good health and well-being for all
Goal 5: Gender Equality
Goal 8: Decent work and economic growth

(★) links are "in Japanese only"

Products and Services	Outline	Contribution to solving social issues	Details

MSA Care

Provision of support before and after illness, such as prevention/early detection of illness, prevention of serious illness/recurrence, and consultation regarding health, as “a set of services” In addition to providing life insurance coverage in the event of illness

Supporting customers in creating a healthy future

“KokoKara Diary” smartphone app

A smartphone app to measure stress levels, display calories burned from steps automatically measured, record meals, height, weight, sleep duration, check medical information, and more. We also provide a dedicated website for administrators that has features that include viewing employee life log data and sending health advice to the app. It also helps to promote communication among employees by hosting a health-related event using a feature to display a ranking of employees’ steps

Supporting health management on employee level and health and productivity management on corporate level

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

Launch of 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 developed by Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance in cooperation with the University of Tokyo
Provision of services for checking risks of MCI (Mild Cognitive Impairment through use of an algorithm jointly developed by the University of Tokyo and MSI Aioi Life

Supporting health management on employee level and health and productivity management on corporate level

Services for welfare and nursing care providers

Provision of products that offer compensation for various risks related to welfare/nursing care providers, which also covers consulting costs for prevention of accident recurrence and support for nursing care providers in establishing the BCPs and holding abuse prevention training sessions, which are obligatory for nursing facilities/offices.

Helping to resolve issues specific to an aging society

Medical Receivable[s] Compensation Insurance for members of the Japan Hospital Association

Development and provision of medical receivables compensation insurance (plan for foreign patients only) for members of the Japan Hospital Association in preparation against the risk of unexpected large receivables arising out of an increase in the number of foreign visitors to Japan, etc.

Contributing to support for stabilizing hospital operations

Health and productivity management consulting services

Counseling and advice on issues related to the practice of health and productivity management and provision of information on the METI’s system for certifying enterprises engaging in excellent health and productivity management

Supporting corporate health and productivity management

“Work and Nursing Care Dual Support Service for Companies”

Advice companies on identifying issues and the directions to be taken, based on the five initiatives described in the “Model for supporting work-life balance to prevent long-term care turnover” by the Ministry of Health, Labour and Welfare

Helping to stable corporate management and creating a comfortable working society

Health Management Support Insurance

Provision of an insurance package that includes three functions: health management support services, loss of income coverage for employees who are unable to work due to injuries and/or illnesses, and tools for visualizing health risks for employees and helping to prevent disease through using the health management app, My Body Forecast, developed in conjunction with the University of Tokyo Center of Innovation

Supporting corporate health and productivity management

Mental Health Support Service for contact centers

A service for call centers, the turnover rates of which are said to be high due to an extreme level of work-related stress, which leads to rapid improvement of workplace conditions, etc. through facilitating timely identification of the occupational mental conditions of call center personnel

Supporting corporate health and productivity management

Smartphone-completed Asset-building/Management Type Life Insurance “AHARA”

Provision of a first-in-Japan variable annuity insurance, AHARA, which can be completed using just a smartphone, as a savings type asset-building product that meets the needs of customers who “want to start asset-building casually."

Supporting a rewarding second life

Individual defined contribution pension plan (iDeCo)

A system in which an individual receives tax breaks while paying premiums and managing the funds themselves, and receives the funds as a lump sum or pension after the age of 60 in principle.
Provided through financial institutions and agent

Supporting a rich second life

Details
MSI (★)
ADI (★)

“Fulfilling Tomorrow” existence protection oriented-type individual annuity insurance (with variable interest rate, level premium payment)

Flat payment-type individual annuity insurance. Customers pay a fixed amount of insurance premiums in Japanese yen every month, and then it is converted into a foreign currency and receive pensions based on the increased fund.
Customers can take advantage of dollar cost averaging to reduce foreign exchange risk, and tontines, a system to increase pension funds by suppressing death protection cover then transfer that amount to the pension

Supporting a rich second life

“Joy for tomorrow” “Joy for Tomorrow 2” currency option-type existence protection oriented individual annuity insurance

Individual annuity insurance that uses tontine to support a rich second life with a focus on “100 years of life.” “Joy for Tomorrow 2” features four courses that can be chosen according to the customer’s funding needs: “Amount receivable oriented course,” “Pre-pension benefit/whole life death protection course,” “Fulfillment at maturity course” and “Target course”

Supporting a rich second life

Currency-selective Special Whole Life Insurance such as “Yasashisa, Tsunagu 2”

A whole life insurance product which enables trouble-free transmission of assets to next generations by making the insured’s family the beneficiary of living benefits

Supporting a fulfilling “second life”

&LIFE Cancer Insurance S Smart Select

Special fire insurance clause for the landlords covering the additional cost incurred when an elderly person dies alone in rental housing.

Providing solution to counter medical risks

Fire Insurance products responding to aging society

Special fire insurance clause for the landlords covering the additional cost incurred when an elderly person dies alone in rental housing.

Helping to solving issues specific to an aging society

Nursing care health desk

Telephone consultation for customers who have purchased insurance regarding long-term care and dementia. Consultation by counselors with nursing qualifications, etc. regarding nursing care and dementia. Information is available on services tailored to the needs of customers, such as mental counseling for family members for nursing care, provision of information on specialized medical institutions for dementia, and telephone checks of cognitive functions

Supporting nursing care for customers and treasured members of their families

BPSD onset prediction services

Provision of BPSD onset prediction services that realize improvement of the QOL (Quality of Life) of elderly persons living at home and reduction of the burdens on families and nursing care personnel

Supporting nursing care for customers and treasured members of their families

Insurance for small loans to micro-entrepreneurs (Philippines)

Micro-insurance for loans, in cooperation with BPI Direct BanKo, which provides small loans to micro entrepreneurs. Available from the autumn of 2019

Supporting the operations of micro entrepreneurs through insurance even in the event of an unforeseen occurrence such as an accident or disaster.

Exclusive fire insurance for indigenous people (Malaysia)

Development of a fire insurance specifically designed to cover the homes of indigenous people left behind in economically developing urban areas, through collaborating with EPIC Homes, a social enterprise working to improve the living conditions of indigenous people in Malaysia. By indemnifying indigenous people for housing, this product allows the indigenous people to stay living in peace, and at the same time, a support scheme is created that makes it easier for the sponsors recruited by EPIC Homes to participate, as there is no fear that the value of their donations will be lost in the event of a house fire

Helping to the stability of the livelihood of indigenous people, many of whom are in poverty and in need of housing coverage and assistance

Smart offices (India)

Opening small offices equipped with insurance policy issuing machines (smart offices) in small- and medium-sized cities, towns and villages, where insurance penetration has lagged behind than metropolitan areas

Contributing to expanded availability of insurance in areas where access to insurance coverage has traditionally been inconvenient

Microinsurance (India)

Launch of microinsurance for loans in cooperation with a financial institution, which provides small loans to residents in areas where access to insurance has been inconvenient

Contributing to expanded availability of insurance in areas where access to insurance coverage has traditionally been inconvenient

Financial literacy classes for high school students (Japan)

Implementation of classes to improve financial literacy for high school students following the April 2022 revision of the Civil Code that lowered age of adulthood from 20 to 18, through which we provided opportunities for students to learn life skills toward achieving an independent, secure and prosperous life, and contributed to improvement of living standards, going forward

Contributing to improving the lives of young persons in Japan, going forward

Services through digitization and AI utilization

Launch of MS1 Brain Remote through digitizing the whole insurance process, from solicitation through claims settlement
Development and provision of support apps and services using AI in order to provide insurance products and services more promptly

Improving customer convenience through use of digital technology

Details
MSI (★)
ADI (★)
MSI Aioi Life (★)

Using sign language interpretation services

A service in which sign language interpreters take inquiries from customers with hearing or language impairments by video call using sign language or writing, and then interprets by voice to one of the company operators

Improving customer convenience by enabling inquiries and procedures related to policies in real time in sign language and writing

Mitsui Direct General (★)

Accident response service available in 17 languages

Communication in 17 languages via interpreting operators, allowing customers with difficulties in communication in Japanese who have been involved in an accident, the other party, or customers who wish to receive consultation or have an inquiry regarding insurance to all communicate freely

Improving convenience for customers who have difficulty communicating in Japanese

Details
MSI (★)
ADI (★)
Mitsui Direct General (★)

Web site for customers with hearing disabilities

Online road services arrangement through web

Improving convenience for customers with hearing disabilities

Coverage for search costs when missing of the elderly

Coverage for search costs if the insured years goes missing can be attached to accident insurance for people over 70 years old

Helping to solving issues specific to an aging society

"&LIFE" New Income Guarantee Insurance-Wide

An insurance policy with monthly pension payments to enable preparation against the risk of becoming unable to work or being in need of nursing care due to illness or injury, in addition to preparedness for emergencies

Premiums discounted according to status of receiving medical examinations, health conditions, smoking history, and driving history by attaching to the policy an “endorsement for applying premium rate based on medical examination results” and a “good health discount (endorsement for application of category-based premium rate”

Providing solutions to counter the risk of being unable to work and helping to the maintenance and improvement of customers’ health

"&LIFE" New Medical Insurance-Ace Select

An insurance with sufficient degree of support for lifestyle-related diseases, cancer, female diseases, and nursing care, in addition to coverage for hospitalization and surgery. Various selection of coverages in line with customers’ needs is available

Providing solutions to counter medical risks

100-year Life Lounge ~ Visualizing life plans/money plans and providing total support for asset building ~

Providing of information, products and services which satisfy both the need of companies to “provide employees with welfare programs enabling them to lead a rich life, such as asset building support,” and the desires of employees to “design a life plan including post-retirement life based on the detailed income/expenditure simulation” and to “receive the best possible support at each life event”

Providing products and services to suit customers’ life plans and financial plans through visualizing their situations and needs against a backdrop of increasing concern about social welfare and retirement funds with a focus on “100-year life”

Support team for a better life

Telephone consultation service for policy holders, with variety menu such as health, medical and lifestyle consultations to customers who have purchased insurance

Supporting customers' lives with health and peace of mind by helping to solve their problems and providing useful information

Service to provide information on medical treatment and nursing care

Provision of information using virtual reality images seen on smartphones. Customers can experience simulated visits to medical facilities where proton beam therapy is performed, treatment methods using molecularly targeted drugs, and simulated experiences of the daily life of a person with dementia and his/her family (first-person experience)

Aiming to help customers' live better, providing easy-to-understand information on medical care and nursing care and helping customers' understand the correct information

Medical/welfare risk management service

Support for prevention of occurrence/recurrence of incidents/accidents on the part of medical institutions and welfare service providers

Supporting sustained development of medical institutions and welfare service providers

Consulting to support handling of Business and Human Rights

Support to companies for due diligence, risk measures in supply chains, and disclosures of human rights initiatives

Supporting initiatives to promote respect for human rights and information disclosure by companies