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 MS&AD Insurance Group analyzes our contributions to the sustainability of society and the impacts on our long-term growth from the areas of the economy (E), society (S), and corporate governance (G). Based on the seven priority issues we have extracted, we are contributing to the achievement of the SDGs through risk consulting services, insurance and other services for safety and security from a multifaceted perspective centered on sustainability.

The main products and services aimed at further contributing to the resolution of social issues reached about 51.7% of premiums written in the non-life insurance business in 2020.

(★) links are "Japanese only"

Deal with new risks

[Major relevant SDGs]

Goal 9: Industry, Innovation and Infrastructure
Build resilient infrastructure, promote inclusive and sustainable industrialization and foster technological innovation

Products and Services

Outline

Contribution to solving social issues

Details

Cyber insurance

Comprehensive compensation for cyber risks such as cyber attacks (Number of cyber insurance policies: +25.2% compared to FY2018)

Contributing to the stabilization of corporate management and supporting social development

Details

Telework comprehensive compensation plan

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

Contributing 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 the novel coronavirus infections but also to the diversification of working styles in post-corona era.

Details

Comprehensive Compensation Insurance for Mobile Application-based Payment Service Providers

Compensation for damages caused by unauthorized third-party access through a mobile application-based payment service

Contributing to the spread of secure and safe cashless payment

Details

Compensation plan for sharing economy-based business

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

Contributing to the development of sharing economy-based business

MSI(★)

Support menu for inbound tourism entrepreneurs

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.

Details(★)

One-day Leisure Insurance

Leisure insurance providing only the required coverage only when needed

Contribute to enriching customer life

MSI(★)

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

A service that uses big data and the latest analysis algorithms to visualize and optimize the risks that clients are exposed and to help solve problems. Data scientists use various statistical data from the service providers in addition to data related to accidents held by our Group company in order to provide risk analysis and reports, as well as develop risk models

Visualizing and optimizing corporate risks to solve challenges

Details

Create mobility society without accidents

[Major relevant SDGs]

Goal 3: Good health and well-being for all
Ensure healthy lives and promote well-being for all at all ages

Goal 11: Sustainable cities and communities
Making cities and human settlements inclusive, safe, resilient and sustainable

Products and Services

Outline

Contribution to solving social issues

Details

One-day Insurance/One-day Supporter

Voluntary Automobile Insurance for borrowed vehicles that is available from one day

Promoting the reduction of accidents caused by uninsured vehicles

MSI(★)
ADI(★)

TOUGH Connected Automobile Insurance

Voluntary Automobile Insurance 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

Contributing to prevention of traffic accidents by providing "safe driving incentives (discounts)" and "safe and secure services", which are applied for Toyota connected cars.

Details

Voluntary Automobile Insurance with an eco-mark

Voluntary Automobile Insurance with Eco-Mark certification through promotion of Eco – insurance policy web policy clauses, provision of information for safe driving, and initiatives to reduce environmental burdens such as encouraging the use of recycled automobile parts.

Contributing to reducing environmental burdens and environmental conservation

MSI(★)
ADI(★)

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

Voluntary 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 reach them to confirm their safety and provide advice on the necessary procedures to take.

Contributing to the prevention of traffic accidents and supporting safe driving

Details

TOUGH Mimamoru automobile insurance plus

Voluntary Automobile Insurance that reflects the degree of safe driving in insurance premiums based on driving data obtained from dedicated drive recorder-type telematics devices

Helping to prevent traffic accidents by providing incentives for safe driving (discounts) and safe and secure service

Details

Special policy clause on the business management (applied to transportation companies)

Discount on insurance premiums applicable 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.

Contributing to the prevention of traffic accidents and supporting safe driving

MSI(★)

Comprehensive demonstration experiment of Autonomous driving compensation plan

Compensation to comprehensively cover risks related to demonstration experiment of Autonomous driving vehicles.

Facilitating the innovation of Autonomous driving technology to support the realization of a safe, secure, and comfortable automobile society.

Details(★)

MaaS insurance
Plans for on-demand transportation companies

Compensation for damages that may be caused by the operation of vehicles used by on-demand transportation services, accidents related to facilities and equipment used for the execution and management of such services, or damages incurred by bearing legal liability for damages

Supporting technological innovation in Autonomous driving to realize a safe, secure and comfortable automobile society

Details

ADI(★)

MaaS insurance
Plans for MaaS operators

Providing various services and compensations for MaaS users and for MaaS operators to prepare for safe business operations

Supporting the realization of a safe, secure and comfortable mobility society, including the resolution of local transportation issues

Details

ADI(★)

Voluntary Automobile Insurance for car share platforms

Compensation for damage caused by “mishaps” to an automobile rented through car sharing

Contributing to solving issues unique to car sharing that are not covered by conventional Vehicle Damage Coverage

Details

Smartphone app: Suma-Ho Driving Ability Diagnosis

Service providing 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

Contributing to the prevention of traffic accidents and supporting safe driving

MSI(★)

"Support NAVI" smartphone app

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

Contributing to the prevention of traffic accidents and supporting safe driving

Details

Policy holder app (Mitsui Direct non-life insurance app)

A dedicated application for Mitsui Direct non-life insurance services, based on the concept of “safety, value and convenience on your smartphone.” Menus and coupons for Voluntary Automobile Insurance are offered through the app. From October 2020, a “smart continuation procedure” was launched to facilitate continuation procedures

Contributing to paperless offices 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.

Details

"Accident Map"

Provision of an "accident maps" created by analyzing and identifying locations where accidents frequently occur based on accident data from external institutions.

Contributing to the prevention of traffic accidents and supporting safe driving

MSI(★)

Suma Navi

Telematics service that supports companies in their safe driving initiatives.

Supporting safe driving efforts by companies

MSI(★)

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

Service providing three types of support: “during accidents/emergencies,” “accident prevention measures,” and “operation management,” using our original dedicated drive recorder and the industry’s first dedicated in-camera.

Helping 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 dedicated in-camera, in addition to supporting safe driving efforts by companies.

Details

Sasaeru Navi

Telematics service for fleet policyholders

Supporting the vehicle operation management and accident reduction efforts of corporate customers

ADI(★)

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. Driving data of individual employee such as controlling of smartphone and sharp acceleration/deceleration can be checked by administrators via an exclusive 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 serious social issue.

Details

Sleep apnea syndrome (SAS) predictive check service

Service for corporate employees to check 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.

Support for preventing accidents and compensation resulting from dozing off at the wheel or while working, and improving the health of company employees

MSI(★)

Safety navigational support services for domestic vessels

Support for 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.

Helping to reduce marine accidents by supporting customers in safe operations and raising awareness of risk management

MSI(★)

Automobile risk management service

Effective programs and solutions to prevent and reduce accidents

Contributing to the prevention of traffic accidents and supporting safe driving

InterRisk(★)

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

Contributing to the prevention of traffic accidents and supporting safe driving

Details

Driving skill improvement training

Training games for developing the ability to drive safely. Training is easy, fun and done using a smartphone

Contributing to the prevention of traffic accidents and supporting safe driving

Details

Strive for Resilient Community Development

[Major relevant SDGs]

Goal 8: Decent work and economic growth
Promote sustainable and inclusive economic growth, full and productive employment and decent work (rewarding and human-like work) for all

Goal 11: Sustainable cities and communities
Make cities and human settlements inclusive, safe, resilient and sustainable

Products and Services

Outline

Contribution to solving social issues

Details

Products providing compensation for novel coronavirus infections

Revision and provision of Personal Accident Insurance, corporate fires, etc., to cover novel coronavirus infections. We also offer products to compensate for damages caused by suspension of operations in order to support business continuity if a business is forced to close due to the novel coronavirus infections

Contributing to improving the resilience of society toward infectious diseases

MSI(★)
ADI(★)

Earthquake insurance

Compensation for damage to buildings and household goods caused by fires, damage, burial, or being washed away as a result of earthquakes, volcanic eruptions, or tsunamis

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

MSI(★)
ADI(★)

 

 

Comprehensive drone compensation plan

Comprehensive compensation to 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.

Details

Comprehensive global business compensation plan

Comprehensive compensation 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.

MSI(★)

Supporting companies in expanding overseas operations

Provision of risk management services for small and medium-sized companies expanding their business overseas

Supporting in expanding overseas operations of small and medium-sized companies

MSI(★)

Weather information alert service Email

Email alerts for rainfall, wind speed, or snowfall when they are forecasted to exceed the standard values at a monitored location, or when lightning is observed at a location within a standard distance from the monitored location

Supporting overseas operations of small and medium-sized companies

Details

Smartphone app: Suma-Ho (Smartphone Insurance)

A smartphone application allowing 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.

Enhancing customer convenience

MSI(★)

Smartphone app: Suma-Ho Disaster Navigator

A smartphone application to identify user’s current location and to display information regarding nearby evacuation shelters and hazard map information on a map with using smartphone GPS functions. The camera function displays the direction of user’s home or evacuation center on the landscape screen to support smooth evacuation. Disaster prevention information for the user’s current location is also sent out in real-time by push notifications. Available in English, Chinese (both traditional and unified Chinese), and Korean, except for a certain function.

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

Details

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 accident and flooding etc. and conduct decontamination works.

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

MSI(★)

CAT bond (catastrophe bond) issuance support service

Service to support the issuance of CAT bond. 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.

Helping customers to diversify catastrophic risk hedging instruments.

MSI(★)

Supporting establishment of Business continuity management system (BCMS)

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 (BCPs).

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

Details
InterRisk(★)

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

Details

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

InterRisk(★)

Flood disaster countermeasure support service

Services to assist risk assessments for river flooding, inundation of inland waters, and storm surges, and formulating damage prevention plan, mitigation measures and business continuity plans (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

Details

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)

Helping prevent a flood disaster from occurring or manage the sites in the event of disaster, by listing the risk of flooding at each of the company’s sites in an event of typhoon or heavy rain

Details

Sediment-related disaster risk diagnosis

Simulation service for 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

Details

ESG investment support packages

Comprehensive consulting service to support decision making on general ESG-related issues, such as enhancement of ESG strategies and efforts, and specific ESG themes

Assisting with ESG integration into corporate management

InterRisk(★)

Real-time loss prediction website cmap.dev

Establishment of a system to forecast the number of buildings damaged and damage rate by municipality due to typhoons, heavy rains, and earthquakes, As part of a joint research with Aon Group Japan Co., Ltd., and Yokohama National University. This information is available free-of-charge on the website.

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

Details

Supporting system for victims of natural disasters to relief

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

Supporting the rapid reconstruction of the lives of disaster victims

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BCP development support services for international business

Service to support to plan countermeasures assuming serious risks overseas, such as accidents and natural disasters

Supporting the development of overseas business by companies

InterRisk(★)

Support “Good Health and Longevity”

[Major relevant SDGs]

Goal 3: Good health and well-being for all
Ensure healthy lives and promote well-being for all people at all ages

Products and Services

Outline

Contribution to solving social issues

Details

Fire Insurance products that respond to aging society

Provision of a special clause of Fire Insurance which compensates the landlord for the cost of a damage caused by the lonely death of elderly people in rental housing. In addition, incidental services (furniture movement and light bulb replacement service) that support the elderly's daily life are provided by Fire Insurance.

Contributing to solving issues specific to an aging society

Details

Comprehensive coverage plan for medical institutions

A compensation plan packaging various types of insurance for medical institutions

Contributing to the stable development of medical institutions by compensating for various risks associated with the novel coronavirus and online treatments

Details(★)

“KokoKara Diary” smartphone app

A smartphone application 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 functionality which includes viewing employee life log data and sending health advice to the app. It also helps promoting smooth communication among employees by hosting a health-related event using a functionality to display a ranking of employees’ steps.

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

Details

"&LIFE" 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.

Providing solutions to counter the risk of being unable to work

MSI Aioi Life(★)

"&LIFE" New Medical Insurance Ace premia

An insurance to provide a sufficient degree of support for lifestyle-related diseases, cancer, female diseases, and nursing care, in addition to offer the coverage for hospitalization and surgery. Customer can choose which coverage to combine based on their needs.

Providing solutions to counter medical risks

MSI Aioi Life(★)

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 clause for insured events in line with the long-term care insurance system of Japan.

Contributing to responding to aging society by better preparing for the unrest against long-term care which is a serious social issue

Details

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 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 cover then transfer that amount to the pension.

Supporting a rich second life

Details

“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

Details

Cheering team for your perfect life

Telephone consultation service that provides a variety of health, medical and lifestyle consultations to customers who have purchased insurance

Supporting customers' lives with health and peace of mind through helping solve their problems and providing necessary information.

MSI Aioi Life(★)

Service to provide information on medical treatment/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 supporting know correctly.”

MSI Aioi Life(★)

Nursing care health desk

Telephone consultation service that provides consultation for customers who have purchased insurance regarding long-term care and dementia.
Counselors with qualifications such as nurses, etc. regarding nursing care and dementia are available for consultation. 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 their families

Details

Pandemic Emergency Financing Facility

Participation as one of the underwriters in the “Pandemic Emergency Financing Facility” established by the World Bank in cooperation with the Japanese and German governments

The objective is to protect the developing countries of the world from the threat of infectious diseases, as well as to reduce human and economic losses and to recover quickly after the outbreak of a serious infectious disease by promptly providing funds for initial response

MSI(★)

Consulting on new infectious diseases such as novel influenza countermeasures

Consulting services to support for customers’ 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 response to reputational damage

Contributing to prevention of infections and the spread thereof

Details

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

Details

“Work and Nursing Care Dual Support Service for Companies”

Service, to 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

Contributing to stable corporate management and creating a comfortable working society

Details

Contribute to Climate Change Mitigation and Adaptation

[Major relevant SDGs]

Goal 7: Affordable and clean energy
Ensure access to affordable, reliable, sustainable and modern energy for all

Goal 11: Sustainable cities and communities
Make cities and human settlements inclusive, safe, resilient and sustainable

Goal 13: Climate action
Take urgent steps to combat climate change and its impacts

Products and Services

Outline

Contribution to solving social issues

Details

Comprehensive Coverage Plan for Mega-Solar Power Generation
Photovoltaic power generation business market products

Comprehensive coverage of risks faced by renewable energy producers.

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

Details

Comprehensive Small Wind Power Generation compensation plan

Comprehensive coverage of risks faced by renewable energy producers.

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

Details

Comprehensive offshore wind power generation system compensation

Comprehensive coverage of risks faced by renewable energy producers.

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

Details

Participation in overseas public natural disaster compensation systems

Participation as one of the underwriting companies in the “Pacific Catastrophe Risk Assessment and Financing Initiative” and “Caribbean Catastrophe Risk Insurance Facility,” established in cooperation between the government of Japan and the World Bank. Financing recovery from natural disasters in the Pacific Islands and Caribbean countries with underdeveloped insurance markets

Promoting the restructuring of the livelihood of disaster victims and the early recovery of areas hit by disasters.

Details

Climate change risk analysis services

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, in response to expectation over companies to identify business risks and opportunities associated with climate change and to disclose relevant information.

Helping companies address climate change

Details

Prediction Map Showing Changes in Flood Frequencies

Development of a map 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 corporate needs to understand the impacts from potential flood risks, one of the many types of climate change risks if climate change is actualized. Providing maps that show the degree of change in flood frequency due to climate change globally

Helping companies address climate change

Details

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.

Stabilize earnings by avoiding and mitigating losses incurred by companies due to climate phenomena changes such as abnormal weather and weather instability. Contributing to sustainable business activities

Details

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

InterRisk(★)

Eco insurance policies/Web clauses

A system that enables policyholders to view their policy certificates and policy clauses on the website of each company.

Promoting the reduction of environmental burdens through paperless operation.

Details

Strive to Improve Sustainability of Natural Capital

[Major relevant SDGs]

Goal 6: Clean water and sanitation
Ensure access to clean water and sanitation for all and their sustainable management

Goal 14: Life below water
Conserve and sustainably use the oceans, seas and marine resources for sustainable development

Goal 15: Life on land
Protect, restore and promote sustainable use of terrestrial ecosystems, sustainably manage forests, combat desertification, and halt and reverse land degradation and halt biodiversity loss

Products and Services

Outline

Contribution to solving social issues

Details

Smartphone app with “Animal Alert” function (Wildlife accident alert function)

Provision of service that provides a voice alert when the driver is approaching a black spot for traffic accidents involving wildlife. 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.

Reducing traffic accidents and maintaining biodiversity

MSI(★)

Electronic Policy Procedures

A new procedure that allows to complete the contracting and changing contract procedure on the screen of a PC or Tablet brought in by an agent.

Promoting the reduction of environmental burdens through paperless operation.

Details

Abbreviation of claims documents service

Simplified process omitting the submission of claim documents, etc. for car accidents that meet certain conditions.

Promoting the reduction of environmental burdens through paperless operation.

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Seiho Kantan Mode, an Electronic Policy Procedure

Paperless application procedures called Seiho Kantan Mode

Improving convenience and reduced environmental burdens by converting various paper forms into electronic formats.

Details

Consulting services against environmental risk

Services 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 environmentally conscious business activities

Details

Environmental CSR management consulting services

Services that support the acquisition of accreditation for and improvement of environmental management systems and the formulation of environmental CSR reports.

Supporting environmentally conscious business activities

Details

Consulting services on biodiversity

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

Supporting environmentally conscious business activities

Details

Simplified evaluations of water-related risks

Simple assessment 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

Details

Work toward Realization of “Leaving No One Behind”

[Major relevant SDGs]

Goal 1: No poverty
End poverty in all its forms everywhere

Goal 2: Zero hunger
End hunger, achieve food security and improved nutrition, and promote sustainable agriculture

Goal 9: Industry, Innovation and Infrastructure
Build resilient infrastructure, promote inclusive and sustainable industrialization, and foster innovation

Products and Services

Outline

Contribution to solving social issues

Details

Insurance for small loans to micro-entrepreneurs in the Philippines

Micro-insurance for loans, under 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.

Details

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 products 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.

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

Details

SDGs (Sustainable Development Goals) promotion support services

Provision of the SDGs training and consulting services to assist companies in developing their SDGs strategies and strengthening their efforts

Supporting regional revitalization and solving social issues through the SDGs

InterRisk(★)

Smart offices (India)

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

Contributing to the spread of insurance in areas where access to insurance has traditionally been inconvenient

Details

Animal insurance for livestock farmers (India)

Provision of insurance for damage caused to livestock by fire, natural disaster, disease, etc.

Contributing to the stability of agriculture run by low-income farmers

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Family Eye (Notification System for Relatives)

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, referring to the registered relative’s inquiry after an the identification procedure based on the registered information

Enhancing customer convenience

MSI(★)
ADI(★)
MSI Aioi Life(★)

Dealing with Claims Handling using sign language interpretation services

Services to support customers with hearing and speech impairments by utilizing sign language interpretation services. The system works by having a customer and an operator communicate with each other in sign language through a video call and at the same time, the operator gives voice interpretation to the person in charge for our company by telephone

Improving convenience for customers with disabilities

Details
MSI(★)
MSI Aioi Life(★)

Claims Handling (Accident Response) available in 17 languages

Services that enable 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 service for customers with hearing disabilities

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

Improving convenience for customers with hearing disabilities

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Social contribution special clause

A special clause under which the beneficiary can be designated as a designated public interest group*
*As of the end of July 2020, the following three designated public interest groups have been designated:
・Japanese Red Cross Society・Japan Committee for UNICEF・CiRA Foundation

Responding to a diverse range of customer values related to asset inheritance, such as “I want to contribute to society by donating my assets”

Details

Human rights risk management support services

Services to help 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 surveys related to human rights risks.

Supporting customers’ efforts related to human rights risk management

InterRisk(★)

*Goal 17: “Partnerships for the goals” relates to all initiatives.