The MS&AD Insurance Group provides products and services to support the industries required to realize a sustainable society. We are promoting creating shared values with society, including the discovery and prevention of risks. It is necessary to take integrated approaches to the 17 Sustainable Development Goals (SDGs) as the limited natural environment of the earth and social and economic issues closely related. 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 Environmental (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.

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 FY2020.

(★) links are "in 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

Cybersecurity Insurance

Comprehensive coverage for cyber risks such as cyber attacks (number of cyber insurance policies in FY2020: +9.6% compared to FY2019).

Contributing to the stabilization of corporate management and supporting social development

Details

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.

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 COVID-19 infections but also to the diversification of working styles in post-pandemic.

Details

Comprehensive Coverage Insurance for Mobile Application-based Payment Service Providers

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

Contributing to the spread of secure and safe cashless payment

MSI/ADI(★)

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.

Contributing to the development of sharing economy-based business

MSI(★)

One-day Leisure Insurance

Leisure insurance providing only the required coverage only when needed

Helping to enriching customers’ lives

MSI(★)

Built-in Insurance

Insurance for users of digital businesses linking digital insurance sales platforms with digital businesses.

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

MSI(★)

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

Services, using big data and the latest analysis algorithms that visualize and optimize the risks that clients are exposed and to help solve issues.

Risk analysis and analytical reports, as well as risk models by data scientists, using various statistical data from the service providers in addition to data related to accidents held by our Group company.

Visualizing and optimizing corporate risks to be solved

Details

Consulting to support corporate security related-information disclosure

A consulting service that supports for appropriate information disclosure regarding the cyber security measures companies implement

Support for corporate information disclosure

InterRisk(★)

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

Automobile insurance for rent vehicles that is available in daily increments

Promoting the reduction of accidents caused by uninsured vehicles

MSI(★)
ADI(★)

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 by using the most advanced telematics technology

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

Details

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.

Contributing to environmental conservation and reducing the impact on the environment

MSI(★)
ADI(★)

GK Mimamoru (Dash cam-based) Automobile Insurance, TOUGH Connected Automobile Insurance

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

Details

TOUGH Mimamoru automobile insurance plus

Automobile insurance that reflects the degree of safe driving in insurance premiums based on driving data obtained from dedicated dash cam-based telematics devices

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

Details

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

Discount on insurance premiums applicable to transportation companies that have taken the road safety management certification seminar promoted by the Ministry of Land, Infrastructure, Transport and Tourism, and which take preventative measures to reduce traffic accidents

Helping to prevent traffic accidents and supporting safe driving

MSI(★)

Comprehensive autonomous drive testing coverage plan

Comprehensive coverage for risks related to the testing of autonomous vehicles

Facilitating the innovation of autonomous driving technologies to support the realization of a safe, secure, and comfortable automobile society

Details(★)

MaaS insurance
Plans for MaaS operators

Providing coverage for businesses and users in response to various risks associated with MaaS, and coverage to support Maas businesses in the construction of services for users

Supporting the realization of a safe, secure and comfortable mobility society by resolving local transportation issues and supporting technological innovation in autonomous driving

Details

ADI(1)(★)

ADI(2)(★)

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

MSI(★)

AD Tele-millage, points program for policyholders

Points program for policyholders of the Telematics Automobile Insurance. Points are earned by doing things that lead to safe driving, and rewards can be redeemed with the points

Helping to prevent traffic accidents and supporting safe driving

Details

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

The services of Mitsui Direct General Insurance are put together in one app. Various inquiries and procedures of automobile insurance and special benefits and coupons becomes available. The “Smart Renewal” feature was launched in October 2020 making it easier for policyholders to renew the policy

Contributing 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.

Mitsui Direct General (★)

Accident Map

Accident maps created by analyzing and identifying locations where accidents frequently occur based on accident data from external institutions.

Helping to prevent traffic accidents and supporting safe driving

MSI(★)

“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

Details

Sasaeru Navi

Telematics service for fleet policyholders

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

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. 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

Details

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 maritime 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

Helping to prevent 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

Helping to prevent traffic accidents and supporting safe driving

InterRisk(★)

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

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

Making cities and human settlements inclusive, safe, resilient and sustainable

Products and Services

Outline

Contribution to solving social issues

Details

Products with coverage against COVID-19

Insurance plans such as personal accident and commercial  fire have been expanded to provide coverage in the event of contracting COVID-19. We also offer products to cover damages caused by suspension of operations in order to support business continuity if a business is forced to close due to COVID-19

Contributing to improving the resilience of society toward infectious diseases

MSI(★)
ADI(★)

COVID-19 life insurance

Life insurance plans which cover death in the event of a disaster (accidental death riders, etc.) have been expanded to provide coverage for death or severe disability by COVID-19.

Contributing to improving the resilience of society toward infectious diseases

MSI Aioi Life(★)

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.

MSI Aioi Life(★)

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(★)

 

 

Comprehensive drone coverage plan

Comprehensive coverage to cover risks associated with the commercial use of drones

Supporting the development of society by contributing to wider drone use in industry and the public domain, such as in luggage distribution, damage surveys, agriculture, forestry and fisheries

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)

MSI(★)

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.

MSI(★)

Supporting companies in expanding overseas operations

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

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

MSI(★)

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.

MSI(★)

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

Details

Smartphone app: Suma-Ho

A smartphone app allowing users to check the details of their insurance policy, contact their agents, and to use their smartphone’s GPS to arrange tow truck in case of   an accident or breakdown

Enhancing customer convenience

MSI(★)

Smartphone app: Suma-Ho 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 the direction of user’s home or evacuation center on the 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

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 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

MSI(★)

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 (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(★)

Personnel labor and work style reform support for SMEs

Advice on promoting diverse work styles, improving job satisfaction and productivity, measures to balance childcare and nursing care with work, using IT, health management, wage system reviews, building an assessment system, and legal compliance, etc.

Contributing to the sustainable growth of companies and the realization of decent work by employees through support for personnel labor and work style reforms.

-

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

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

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 to prevent flood disaster, or manage sites in the event of disaster, by listing the flood risk at each of the company’s sites in an event of typhoon or heavy rain

Details

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

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 damage forecasting website cmap.dev

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

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

Details

Support for rebuilding the lives of disaster victims

Providing training to local governments, etc. on damage investigations necessary for issuing disaster victim certificates

Supporting the rapid reconstruction of the lives of disaster victims

-

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

InterRisk(★)

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.

MSI/ADI(★)

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

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 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. Additional services (moving furniture, replacing light bulbs) are also provided within the plan to support elderly people’s daily lives

Contributing to solving issues specific to an aging society

Details

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

Contributing to solving issues specific to an aging society

MSI/ADI(★)

“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

Details

"&LIFE" New Income Guarantee Insurance-Wide

An insurance with monthly pensions for the risk of becoming unable to work or being in need for nursing care due to illness or injury work 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 with sufficient degree of support for lifestyle-related diseases, cancer, female diseases, and nursing care, in addition to coverage for hospitalization and surgery. Various combination of coverages in line with customers’ needs is available

Providing solutions to counter medical risks

MSI Aioi Life(★)

Whole-life care and dementia plan

An insurance plan against long-term care risks, such as treatment for dementia. Dementia care, which imposes a particularly significant burden, is additionally covered in the whole life care clause, which clause is in line with the long-term care insurance system of Japan

Helping to cater for an aging society by better preparing for the concerns of care, a serious social issue

Details

Cancer insurance at 7-Eleven

Cancer insurance, which applications is completed through multi-copying machines in 7-Eleven stores

Providing apllication procedure in new lifestyles

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 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

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

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

MSI Aioi Life(★)

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

MSI Aioi Life(★)

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 their families

Details

Consulting on new infectious diseases such as novel 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

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”

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 farm products

Comprehensive coverage of risks faced by renewable energy producers.

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

Details

Comprehensive small wind power coverage 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 coverage

Comprehensive coverage of risks faced by renewable energy producers

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

Details

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 de-carbonized society.

Details

Carbon Neutral 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

Details

Decarbonization management support for SMEs

Supporting mid-sized companies and SMEs on the materiality of decarbonization, advice on how to proceed, understanding CO2 emissions, and setting reduction targets, etc

Helping companies to reduce emissions

Details
MSI(★)

Auto 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 de-carbonized society

MSI(★)

Participation in overseas public natural disaster compensation systems

Participation in the Pacific Catastrophe Risk Assessment and Financing Initiative and the 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 where insurance market is not matured yet

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 2℃ 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 frequency

Developed through 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 climate change risks if climate change is actualized.  Maps that show the degree of change in flood frequency due to climate change globally

Helping companies address climate change

Details

Carbon neutral support

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

Contributing to a decarbonized society

InterRisk(★)

Weather derivatives

A financial derivative that covers damage caused by extreme weather. We provide solutions by underwriting weather derivatives that cover decreased sales and increased expenses stemming from below-average (or above-average) rainfall levels, extreme heat, unusually cool summers, severe winters, warmer-than-normal winters, or a lack of sunshine.

Stabilizing company earnings by avoiding and mitigating losses incurred by abnormal weather and weather instability.

Details

Weather derivatives - Typhoon Watch

A financial derivative that hedges customer losses by approaching or landed typhoons

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

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Weather derivatives for the snow removal industry

A risk solution that reduces decrease in profits due to less snowfall, helping to stabilize business operations for snow removal companies.

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

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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 websites

Helping to reduce the impact on the environment by going paperless

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”  (wildlife accident alert)

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 Okinawa rail (an endangered bird) lives, and later rolled out to other regions in Japan

Reducing traffic accidents and maintaining biodiversity

MSI(★)

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

Details

Electronic Policy Procedures

Various procedures such as application or changes through PC or tablet devices

Helping to reduce the impact on the environment by going paperless

Details

Simplified claims documents procedure

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

Helping to reduce the impact on the environment by going paperless

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Electronic policy procedure with the Seiho Kantan Mode

A paperless application procedure called Seiho Kantan Mode

Improving convenience and helping to reduce the impact on the environment by converting various paper forms into electronic formats

Details

Consulting services against environmental risk

Quantitative assessment of impacts on natural capital (lost benefits and recovery costs) and simplified assessment of water risks such as water depletion, drought, flood and decline in water quality (present/future)

Supporting environmentally conscious business activities

Details

Consulting services on biodiversity

Services that support companies’ activities 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 (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 coverage and assistance

Details

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.

ADI(★)

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

Details

Animal insurance for livestock farmers (India)

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 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(★)

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

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

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

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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 values related to asset succession such as wanting to contribute to society by donating my assets

Details

Human rights risk management support services

Services to help 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’ human rights related activities

InterRisk(★)

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