The MS & AD Insurance Group provides products and services to support the industries required to realize a sustainable society. We are promoting efforts to create common values with society, including the discovery and prevention of risks.
The main products and services aimed at further contributing to the resolution of social issues reached about 48% of income premium in the non-life insurance business in 2018.
The 17 Sustainable Development Goals (SDGs) are based on a recognition of the natural limits of the Earth. Social and economic issues are closely intertwined in the SDGs, and it is crucially important to work on these goals with an integrated approach. The MS&AD Insurance Group is contributing to the achievement of the SDGs by providing risk consulting services, insurance and other services for safety and security from a multifaceted perspective centered on sustainability.

Products and Services

(★)link is "Japanese only"


Major relevant SDGs

*Goal 17 is common to all the products/services.

<Non-Life Insurance>

〇Products for individuals*1

Earthquake insurance

Support the restructuring of the livelihood of earthquake victims and the early recovery of areas hit by earthquakes.

One-day Insurance/One-day Supporter

Promote the reduction of accidents caused by uninsured vehicles through the sales of automobile insurance for borrowed vehicles that is available from one day.

One-day Leisure Insurance

Leisure insurance providing only the required coverage only when needed to contribute to enriching customer life.

TOUGH Connected automobile insurance

Car insurance provided with a reasonable insurance premium calculated in consideration of the distance traveled and discounts based on safe driving scores by using the most advanced telematics technology. These new “safe driving incentives (discounts)” and “safe and secure services” have a synergy effect of preventing traffic accidents. Applied for Toyota connected cars.

Automobile insurance with eco-mark ★

Have obtained Eco-Mark certification through promotion of eco-insurance certificates and web policy clauses, provision of information for safe driving, and initiatives to reduce environmental burdens such as encouraging the use of recycled automobile parts.

GK Mimamoru (Safeguards) Automobile Insurance, TOUGH Connected Automobile Insurance

Provide an 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 service on safe driving are provided. In the event of an accident, our operator will reach them to confirm their safety and provide advice on the necessary procedures to take.

Fire insurance products that respond to aging society

Provided a fire insurance including a rider for a landlord liability insurance in order to compensate for the cost of a damage caused by the lonely death of elderly people in rental housing. In addition, an incidental service (furniture movement and light bulb replacement service) that supports the elderly's daily life is provided by fire insurance. Responding to the increasing risk associated with the increase in patients with dementia, riders covering "liability for damage due to inoperability of trains without damage to property" are provided.

Agricultural insurance (India)

Provide agricultural insurance scheme Pradhan Mantri Fasal Bima Yojana (PMFBY) , in order to contribute to income stability for the low income earning farmers, who have financed purchases of fertilizers and farm equipment through loans, by compensating possible decreases of income caused by bad weather.

Animal insurance for cattle breeders(India)

Compensation for the death of cows and so on which provides income stability for the low income earning cattle breeders.

〇Products for business*1

Special contract on the status of safety management (applied to transportation companies)

Discount on insurance premiums is applied to transportation companies that took road safety management certification seminar promoted by Ministry of Land, Infrastructure, Transport and Tourism, and take preventative measures to reduce traffic accident.

Comprehensive food & agribusiness compensation plan ★

We provide compensation for major risks surrounding food and agribusiness, in order to support the development of food and agribusiness.

Comprehensive Coverage plan for Mega-solar Power Generation

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive small wind power generation compensation plan ★

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive offshore wind power generation system compensation

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive biomass power generation compensation plan ★

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive small and medium hydro power generation compensation plan (P.2) ★

Comprehensively cover risks faced by renewable energy producers. Promote lower CO2 emissions (reducing environmental burdens) with alternative energy.

Comprehensive medical institute compensation plan ★

Provide a package that comprises various types of insurance and risk consulting services for medical institutions. Contribute to the stable business development of medical institutions, thereby supporting the aging society.

Comprehensive welfare/long-term care business operators compensation plan

Comprehensively cover risks faced by welfare and nursing care business operators. Contribute to the stable business development of welfare and nursing care business operators, thereby supporting the increasing demand for welfare and nursing care in an aging society.

Cyber protector, Cyber security insurance

Comprehensively cover risks of cyberattacks. Contribute to stable management of companies, thereby supporting the development of society.

Comprehensive demonstration experiment of autonomous driving compensation plan ★

Comprehensively cover risks related to demonstration experiment of autonomous driving vehicles. Facilitate the innovation of autonomous driving technology to support the realization of a safe, secure, and comfortable automobile society.

Comprehensive drone compensation plan ★

Comprehensively cover risks associated with the commercial use of drones. Contribute to the expansion of drone use in industries and public, such as luggage distribution, damage surveys, agriculture, forestry and fisheries, thereby supporting the development of society.

Comprehensive global business compensation plan ★

Comprehensively cover risks related to overseas business expansion for small and medium-sized enterprises (SMEs). Facilitate the smooth operation of business activities overseas to support the stabilization of SMEs' business operations overseas and the development of local communities.

Compensation plan for sharing economy-based business

As the sharing economy spreads, needs of companies for personal liability insurance valid only for the user and only for the period of use have been increasing. In response, we have developed a product with conditions for compensation that can be custom-designed depending on business activities, with the aim of contributing to the development of sharing economy-based business.

Support menu for inbound tourism entrepreneurs ★

Provide insurance and various services such as in-house training (hospitality service) support and risk consulting, etc. for businesses (travel agencies, hotels, etc.) that serving foreigners visiting Japan. Contributing to the community development by supporting the acceptance of foreigners visiting Japan.

Comprehensive clinical research like regeneration medicine compensation plan ★

Cover risks related to clinical research of regenerative medicine. Contribute to the development of medical technology, thereby supporting to extend healthy life expectancy in the aging society.

<Services for individuals>

Smartphone app: Suma-Ho (Smartphone Insurance)

This app allows users to check the details of their insurance policy, contact their agents, and to use their smartphone’s GPS functions to arrange tow-truck services after accidents or breakdowns.

Smartphone app: Suma-Ho Disaster Navigator

This app helps users to remain safe and secure during large-scale natural disaster. The smartphone’s GPS functions are used to determine the user’s location and to display information regarding nearby evacuation shelters and other information on a map. Camera functions can even be used to ascertain directions in the dark including directions to the user’s house, evacuation location, or other spots. Disaster prevention information for the user’s current location is also sent out in real-time by push notifications. The app supports in English, Chinese (simplified and traditional characters), and Korean as well except for some functions.

Smartphone app: Suma-Ho Driving Ability Diagnosis

Provide analysis of driving skill characteristics, drive recorder, eco drive diagnosis, audio warnings when drivers are approaching locations where accidents frequently occur, wild weather forecast delivery, and other services.

(Suma-Ho) “KokoKara Diary” smartphone app



MSI Aioi Life ★

For Customers their own health management, this app can be used through its features such as measurement of stress status, display of calorie consumption calculated from the number of steps automatically taken, record of meals consumed, height, weight, sleep time and confirmation of their own medical information.

Free “Support NAVI” smartphone app

Service providing a driving ability diagnosis system equipped with Dashcam Type and an emergency accident reporting system.

Free “Suma-Ho” smartphone app with “Animal Alert” function ★

This is a service that provides a voice alert when the driver is approaching a black spot for traffic accidents involving animals. The service was first launched in Okinawa Prefecture, where the Yanbaru kuina (Okinawa rail: an endangered bird) lives, and later rolled out to other regions in Japan.

Smartphone application by Mitsui Direct General

A free app featuring a driving ability diagnosis system equipped with Dashcam Type that records and checks driving data, a driving aptitude diagnosis system that analyzes and diagnoses driving tendencies, and Jutai-gaku Kentei (traffic congestion learning system), which helps understand the mechanism of traffic congestion, with the aim of preventing traffic accidents and reducing congestion.

Efforts to prevent and reduce traffic accidents by utilizing "Accident Map" ★

Provide "accident maps" created by analyzing and identifying locations where accidents frequently occur based on accident data held by the Company and data from external institutions.

Free smartphone application "Suma-Ho", "Safety cycle"(providing diagnosis tool of safe bicycle driving)★

Support the safe use of bicycles by providing warnings about excessive speed, check lists for inspection and maintenance, etc.

Eco insurance certificate/web policy clause

A system that enables policyholders to view their policy certificates and policy clauses on the website of each company. Promote the reduction of environmental burdens through paperless operation.

Electronic contract method

Complete the contracting procedure on the screen of a PC brought in by an agent. Promote the reduction of environmental burdens through paperless operation.

Family Eye (Notification System for Relatives)




MSI Aioi Life ★


This is a system in which one relative of a policyholder is registered as an emergency contact for insurance policies. It makes it possible to contact the registered relative and ensure more reliable delivery of important notifications for insurance policies to the registered relative in an emergency, such as when we cannot contact the policyholder, or to have the relative share contract information after a simple identification procedure when inquiries are made.

Dealing with car accident claims using sign language interpretation services ★

We use sign language interpretation services to deal with car accident claims for customers with a hearing and/or speech impairment. The customer and an operator communicate using sign language via videophone, which is simultaneously voice translated and sent to our in-house employee.

Dealing with car accident claims in 14 different languages



Mitsui Direct General ★

To respond to consultations and inquiries regarding insurance from customers involved in accidents who have difficulties in communicating in Japanese, translators are available in 14 different languages.

Web QQ Unit for customers with hearing disabilities ★

Services that enable customers with hearing disabilities to utilize online functions to request road services

<Services for business>

Suma Navi

A telematics service that supports companies in their safe driving initiatives.

Sasaeru Navi

A telematics service for fleet policyholders that supports corporate customers in their vehicle operation management and accident reduction initiatives.

Four Safety – Support service to prevent distracted driving ★

By installing a smartphone app and plugging a designated terminal into the automobile’s cigarette lighter socket, smartphone operations (including telephone and apps) will be automatically controlled once a certain speed (20kph) is exceeded. Sharp acceleration/deceleration and other driving data of individual employees can be checked by administrators via an exclusive website. Hence, this service can be used by companies to ensure safe driving practices. It also supports the creation of corporate value by helping to prevent distracted driving, a serious social issue.

Sleep apnea syndrome (SAS) predictive check ★

This is a service for company employees that checks on snoring, an indication of sleep apnea syndrome (SAS), which can be easily used by just activating the smartphone app when going to bed and placing the smartphone next to the pillow.

Kokokara Diary - smartphone app



MSI Aioi Life ★


An exclusive website provided to managers that features functions that allow managers to view employees’ life log data and to send out health advice and other notices to the app, thereby supporting health and productivity management at companies. The app also encourages communication between employees by hosting health events by utilizing a function ranking the employees by steps walked.

Smartphone app: Disaster Navigator Smartphone Insurance Navigator

This app helps users to remain safe and secure during large-scale natural disasters. The smartphone’s GPS functions are used to determine the user’s current location and then to display information regarding nearby evacuation shelters and other information on a map. Camera functions can be used to ascertain directions in the dark, including direction to the user’s house, an evacuation location or other spots. Disaster prevention information for the user’s current location is also sent out in real-time by push notifications. The app supports in English, Chinese (simplified and traditional characters), and Korean as well except for some functions, and is utilized by local governments nationwide to keep residents informed.

Navigational support services for domestic vessels ★

We support safe navigation of domestic vessels using the dedicated smartphone provided by Weathernews Inc., which alerts ships when they navigate in dangerous waters and provides weather and oceanic forecasts and images of the area around the vessel.

Weather information alert service

Email alerts are sent when rainfall, wind speed, or snowfall is forecasted to exceed the standard values at a monitored location, or when lightening is observed at a location within the standard distance from the monitored location, to help prevent and mitigate damage from natural disasters.

Supporting companies in expanding overseas operations ★

We provide small and medium-sized companies expanding their business overseas with risk management services to support their overseas operations.

Repair service for damaged equipment under the corporate fire insurance plan (P.66) ★

Reduce recovery costs and ensure early recovery by enabling the repair of damaged devices and equipment, which previously had to be replaced with new ones, with emergent corrosion inhibition measures and full-scale recovery work.

Abbreviation of claims documents service

Omit the submission of claim documents, etc. for car accidents that meet certain conditions. Promote the reduction of environmental burdens through paperless operation.

RisTech, a service that solves social and corporate problems by data analysis ★

A service that uses big data and the latest analysis algorithms to visualize and optimize the risks companies have and help solve problems. Data scientists use various statistical data from the service provider in addition to data related to accident held by the company to provide risk analysis and reports, and develop risk models

<Life insurance and Medical Insurance>

New income guarantee insurance wide ★

An insurance to prepare for a monthly pension not only for the event of emergency but also for the risk of becoming unable to work or being in need for nursing care due to illness or injury.*2

New medical insurance Ace premia ★

In addition to offer the coverage for hospitalization and surgery, we also provide support for lifestyle-related diseases, cancer, female diseases, and nursing care. Customer can choose which coverage to combine based on their needs.*2

Whole life care/dementia plan

An insurance plan that provides against long-term care risks, such as treatment for dementia. Under this plan, dementia care, which imposes a particularly significant burden, is added to the conditions covered under the whole life care-specified policy for insured events in line with the long-term care insurance system of Japan. This plan aims to help people be better prepared for long-term care needs, which have become a serious social issue, in light of the aging society.

“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 with a favorable interest rate, so that they receive pensions based on the increased fund.
Customers can take advantage of the “dollar cost averaging” method to reduce foreign exchange risk, and the “tontines” method, a system to increase pension funds by suppressing death protection then transfer that amount to the pension.

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

Lump sum individual annuity insurance which can be chosen from four courses according to customer's funding needs: “Amount receivable oriented course”, “Pre-pension benefit/whole life death protection course”, the industry’s first fixed term annuity with whole life protection guarantee, “Fulfillment at maturity course”, and “Target course.”

Cheering team for your perfect life ★

Provide telephone consultation services on health/medical care, living, and nursing care for policyholders and their relatives who live together. Supporting customers' lives with health and peace of mind through helping solve their problems and providing necessary information.

Service to provide information on medical treatment/nursing care ★

Information provision service using virtual reality images seen on smartphones. Customers can have simulated experiences with a sense of reality, such as visiting medical facilities that perform proton beam therapy, how things are seen if they have cataracts, and what the daily life is like if they have dementia (as if their own experience) and if a member of their family has dementia. Aiming to help customers live better, providing easy-to-understand information on medical care and nursing care and supporting “know correctly.”

Seiho Kantan Mode, an electronic contracting process ★

By paperless (electronic) procedures called Seiho Kantan Mode, we have improved convenience and reduced environmental burdens by converting various paper forms into electronic formats.

<Financial services and other businesses>

〇Financial products

Weather derivatives

A financial derivative that covers damage caused by extreme weather. Actively deploying “Global Weather Derivative Sales” utilizing the global weather risk underwriting function of our US subsidiary “MSI Guaranteed Weather,” focusing on Japanese companies expanding their operations overseas.

CAT bond (catastrophe bond) issuance support service ★

Service to support the issuance of CAT bond *3. In addition to reducing the burden of cumbersome administrative procedures related to the issuance of CAT bonds, we provide our customers with advice on optimal issuing conditions and help them to diversify catastrophic risk hedging instruments.

〇Support systems

Pacific Catastrophe Risk Assessment and Financing Initiative (PCRAFI) Insurance Facility

Under this program, which was set up jointly by the Japanese government and the World Bank, MSI, as one of the risk underwriting insurance companies provides reconstruction funds to the nations in the Pacific Islands that are afflicted by natural disasters to promote the restructuring of the livelihood of disaster victims and the early recovery of areas hit by disasters.

Pandemic Emergency Financing Facility (PEF) ★

We participate in the Pandemic Emergency Financing Facility (PEF) established by the World Bank with the support of Japan and Germany, etc. as one of the risk underwriting companies. The objectives of PEF include: to protect people in developing countries around the world from the threat of infections; and in case of an outbreak of serious infection, to promptly provide funds for the initial response in order to mitigate human and economic losses and promote early recovery from these losses.

〇Risk consulting services

ESG risk management ★

We provide comprehensive consulting services covering everything from general ESG-related issues, such as enhancement of ESG strategies and efforts, to specific ESG themes.

Human rights risk management support services ★

Help our customers to manage human rights issues by supporting them in the formulation of human rights policies based on international standards, human rights impact assessment, organization of lectures and trainings on human rights risks, collection of information and support of surveys related to human rights risks, and other efforts related to human rights risk management.

Supporting establishment of Business continuity management system (BCMS)


MS&AD InterRisk ★

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 (BCPs).

Consulting services against earthquake and Tsunami risk ★

Supporting customers to strengthen the countermeasures based on simulation and on-site survey etc., assessing the earthquake risks in consideration of impacts of Tunami.

Climate change risk analysis services

Companies are now expected to identify risks and opportunities associated with climate change and to disclose relevant information. In response, we provide consulting services regarding analysis and information disclosure expected of companies on a global level on issues including physical risks, such as climate change-induced floods and droughts, and transition risks, associated with socioeconomic transitions toward a decarbonized economy in line with achieving the two-degree goal, such as energy structure transformation.

Map of Forecasted Flood Frequency Change Due to Climate Change

This map was developed in corporation with Prof. Yukiko Hirabayashi of the Shibaura Institute of Technology and Associate Professor Dai Yamazaki of the Institute of Industrial Science at The University of Tokyo in response to the need companies have to understand the impacts on them by potential flood risks, one of the many types of climate change risks if climate change is actualized. The map shows the degree of change in the frequency of floods induced by global climate change.

Consulting service for water disaster prevention ★

Support companies in developing their business continuity management (BCM) plans and their countermeasures for loss prevention and mitigation through assessing risks focusing on river flooding, inundation inside a levee, and high tides.

Real-time loss prediction website ★

As part of joint research with Aon Benfield Japan Co., Ltd. and Yokohama National University, a system has been established to predict the number of buildings damaged and damage rate by each municipality due to typhoons, heavy rains, and earthquakes immediately after the disaster occurred. This online information service is free of charge for the purpose of being widely used for early assessment of the scale of damage and quick rescue and support activities

Supporting system for victims of natural disasters to relief ★

Provide local governments with seminars regarding the research of loss assessment needed for issuance of Disaster Victim Certificates.

Services for risk management of automobile insurance ★

Various effective programs and solutions to prevent and reduce accidents.

Seminar for automobile transportation management ★

Accident prevention and reduction seminar, conducted by a group company certified by the Ministry of Land, Infrastructure and Transport and Tourism as an implementing agency, targeting automobile transportation business operators.

Risk consulting services abroad ★

Assume possible material risks overseas, such as accidents and natural disasters, and support measures against these risks.

Consulting services against environmental risk

Service for quantitative assessment of impacts on natural capital (lost benefits and recovery costs) and service for simple assessment of water risks such as water depletion, drought, flood and decline in water quality (present/future).

Supporting service for energy related business ★

Support initiatives such as electricity and energy conservation, improving comfort in the working environment, and reducing energy costs, in addition assess business risks for renewable energy stemmed from solar power, wind power and biomass etc.

Environmental CSR management consulting services

Support the acquisition of accreditation for and improvement of environmental management systems and the formulation of environmental CSR reports.

Consulting services on biodiversity

Support companies’ efforts to preserve biodiversity and assess biodiversity risks in business activities.

Water risk assessment service

Simple assessment of exposure to water risk such as water depletion, drought, flood and decline in water quality (present/future) on individual manufacture point (domestic/ overseas) bases.

〇Other businesses

Nursing care homes for the aged ★

Operate “You Life Yokohama” and” You Life Setagaya”.

In-home nursing care business ★

Operate in-home nursing care support business and home-visit nursing care business offices at a total of three locations one in Yokohama and two in Nagoya.

Visit nursing business ★

Operate three day-service centers in Shinagawa, Mizuho, and Ibaraki.

(*1) Products in <Products for individuals>and <Products for business> are categorized based on their main scope.

(*2) Donations are made to the Authorized nonprofit organization—Japan Committee Vaccines for the World's Children to provide funds for purchasing vaccines etc., with the amount depending on the number of new contracts acquired.

(*3) A CAT bond is a mechanism through which the risk of a large-scale disaster such as earthquake or typhoon is transferred from one party to the capital markets. As long as no disaster exceeding a predetermined threshold occurs, investors (CAT bond purchasers) receive coupons periodically and have principal repaid at maturity. However, in the event that a disaster exceeding such threshold occurs, the principal to be repaid is reduced partially or entirely so that it is used to compensate customers for their losses.