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 59% of premiums written in the non-life insurance business in FY2022.
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(*1) Percentage of net premiums written
(★) links are "in Japanese only"
[Major relevant SDGs]
Goal 6: Clean water and sanitation
Goal 7: Affordable and clean energy
Goal 11: Sustainable cities and communities
Goal 13: Climate action
Goal 14: Life below water
Goal 15: Life on land
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Products and Services |
Outline |
Contribution to solving social issues |
Details |
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Eco-mark automobile insurance |
Automobile insurance with Eco-Mark certification through promotion of Eco-insurance policy and web policy clauses, provision of information for safe driving, and initiatives to reduce impact on the environment, such as encouraging the use of recycled automobile parts |
Helping to environmental conservation and reducing the impact on the environment |
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Policyholder app (Mitsui Direct non-life insurance app) |
The services of Mitsui Direct General Insurance are bundled in one app so that the “Strong and Tender” concept can be delivered to customers. Various inquiries and procedures for automobile insurance and special benefits and coupons become available. The “Smart Renewal” feature was launched in October 2020, making it easier for policyholders to renew their policies |
Helping to paperless procedure as well as convenience by allowing for inquiries regarding contract details and the checking of progress in the case of an accident, providing new applications and continuing procedures, etc. |
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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. |
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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 |
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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 |
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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 |
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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 decarbonized society. |
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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 |
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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 |
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Automobil 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 decarbonized society |
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Endorsement for rental car costs at times of suspended operation of hydrogen stations, under Automobile insurance |
Coverage of rental car cost incurred when an insured vehicle is regarded as inoperative due to halted operation of nearby hydrogen stations resulting from such coincidental reasons as "accident," “failure,” “operator’s bankruptcy” and “operator’s withdrawal from business” |
Helping to create a decarbonized society |
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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 create a decarbonized society |
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Weather derivatives |
A financial derivative that covers damage caused by extreme weather. |
Stabilizing company earnings by avoiding and mitigating losses incurred by abnormal weather and weather instability. |
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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 |
Provision of a risk solution that helps to stabilize business operations for snow removal companies and to maintain social infrastructure by mitigating decreases in profits due to reduced snowfall |
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 |
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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 |
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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 |
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Electronic policy procedures |
A system enabling customers to complete policy procedures on-screen via their smartphones, PC or tablet devices, and enabling agents to complete policy/change procedures on their own PC or tablet devices |
Helping to reduce environmental impact by going paperless |
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Service for accepting online handling of transfer accounts |
A service to enable customers to carry out account-related procedures via the Internet, such as registration and changing of insurance premium transfer accounts through smartphone reading of a QR code and selection of a preferred financial institution on a dedicated site for account registration |
Helping to reduce environmental impact by going paperless |
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Mobile application-based payment service |
A premium payment service as a replacement for direct collection, enabling customers to pay premiums through smartphone reading of a QR code and selection of a contracted payment service from various listed services |
Helping to reduce environmental impact by going paperless |
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My Number registration service using smartphones |
A service enabling customers to complete paperless registration of their My Number by loading it into a smartphone app |
Helping to reduce environmental impact by going paperless |
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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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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 |
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Consulting services on biodiversity |
Services that support companies’ activities to preserve biodiversity and assess biodiversity risks in business activities |
Supporting environmentally conscious business activities |
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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 |
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Endorsement for Compensation of Additional Costs for Responses to Marine Contamination |
Coverage of costs of such actions as preservation and restoration of damage to the natural environment, which vessel operators voluntarily carry out at times of marine accidents |
Helping to preservation and restoration of natural capital and biodiversity |
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Endorsement for Extended Compensation for Contamination Damage |
Coverage of a wide range of risks including liability for damages and expenses of contamination clean-up arising out of unexpected and sudden outflow of contaminants from various facilities, such as a factory |
Helping to preservation and restoration of natural capital and biodiversity |
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Service for calculating and visualizing GHG emissions |
Provision, free of charge, of a cloud service “zeroboard*1” for calculating and visualizing GHG emissions for insurance agents and small and medium-sized businesses throughout Japan |
Helping to corporate decarbonization |
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Imbalance risk compensation insurance for renewable energy producers/aggregators |
Coverage of losses sustained by renewable energy producers, etc. due to imbalance between their generation plans and actual amounts of generated energy as a result of climatic changes, generation equipment failure, etc., targeting renewable energy producers |
Helping to the promotion of the renewable energy business and realization of decarbonization |
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J-Credit (Japan Greenhouse Gas Emission Reduction/Removal Certification) Scheme Participants Support Insurance (for local governments) |
Coverage of risks sustained by local governments in relation to program-based projects aimed at implementing decarbonization activities utilizing the J-Credit scheme |
Helping to realization of decarbonization |
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Sympathy Money Insurance for payments to neighborhood victims (PPA business operators) |
Covering expenses such as sympathy money incurred by PPA* business operators in cases where damage to their power generation equipment as a result of natural disasters such as typhoons has resulted in damage to the properties owned by neighboring residents and companies, even when the operators are not held liable for compensation |
Helping to the promotion of the renewable energy business and realization of decarbonization |
[Major relevant SDGs]
Goal 1: No poverty
Goal 2: Zero hunger
Goal 3: Good health and well-being for all
Goal 8: Decent work and economic growth
Goal 9: Industry, Innovation and Infrastructure
Goal 11: Sustainable cities and communities
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Products and Services |
Outline |
Contribution to solving social issues |
Details |
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Cybersecurity Insurance |
Comprehensive coverage for risks such as those brought about by cyber-attacks. A line-up of various services, including risk assessment service and emergency service in the event of accidents, which contribute to prevention and minimization of losses, and to prompt restoration of services |
Helping to the stabilization of corporate management and supporting social development |
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Comprehensive Telecommuting Coverage Plan |
Coverage for various kinds of risks of companies promoting teleworking, which widely covers liability for information leakage due to cyber attacks and liability caused by labor management of employees |
Helping to the spread of telework, promoting the creation of social value through the realization of a work-life balance and contributing not only to the prevention of the spread of COVID-19 infections but also to the diversification of working styles in post-pandemic |
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Comprehensive Coverage Insurance for Mobile Application-based Payment Service Providers |
Coverage for damages caused by illegal access through a mobile application-based payment service |
Helping to the spread of secure and safe cashless payment |
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Coverage plan for sharing economy-based business |
Insurance products with order-made conditions for coverage required for various business situations. This plan was developed to respond to coverage needs for personal liability insurance valid only for the user and only for the period of use, arising from the spread of the sharing economy |
Helping to the development of sharing economy-based business |
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One-day Leisure Insurance |
Leisure insurance providing only the required coverage only when needed |
Helping to enriching customers’ lives |
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Built-in Insurance |
Insurance for users of digital businesses, utilizing digital insurance sales platforms to share data with such businesses |
Providing safety and security to users of e-commerce and sharing services |
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RisTech, a service that addresses social and corporate issues 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. |
Visualizing and optimizing corporate risks to be solved |
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Cyber risk consulting |
Provision to companies of a one-stop support for development of a system to multilaterally assess cyber risks and protect against them in a multi-layered manner, including a menu of services corresponding to each phase of “organizational system development,” “risk identification,” “protection,” “detection,” and “responses/restoration" |
Supporting cyber risk measures taken by companies |
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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 |
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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. |
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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 |
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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 |
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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 |
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Comprehensive autonomous drive testing coverage plan |
Comprehensive coverage for risks related to the testing of autonomous vehicles |
Supporting to innovation of autonomous driving technologies to support the realization of a safe, secure, and comfortable automobile society |
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MaaS insurance |
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 |
Helping to create a safe, secure and comfortable mobility society by supporting local transportation solutions and autonomous driving innovations |
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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 |
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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 |
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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 |
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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 |
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“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 |
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Sasaeru Navi |
Telematics service for fleet policyholders |
Supporting corporate customers with their vehicle management and efforts to reduce accidents |
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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 |
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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 |
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Automobile risk management service |
Effective programs and solutions to prevent and reduce accidents |
Helping to prevent traffic accidents and supporting safe driving |
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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 |
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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 |
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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 |
Helping to improving the resilience of society toward infectious diseases |
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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 |
Helping to improving the resilience of society toward infectious diseases |
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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 |
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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 |
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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) |
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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 |
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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 |
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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 directions to the user’s home or nearby evacuation center on a landscape screen for safer evacuation. Disaster prevention information for the user’s current location is also sent out in real-time by push notifications. Available in English, Chinese (traditional and simplified), Korean, Vietnamese, Tagalog, and Portuguese, except for some features |
Supporting safe and secure behavior in the event of a large-scale natural disaster |
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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 |
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Supporting the establishment of Business continuity management system (BCMS) |
A service to support the establishment of a system that ensures the resumption of operations within a target time frame in the event that business activities are suspended due to a large earthquake, infectious disease, or other reasons, and the formulation of business continuity plans (BCP) |
Helping to ensure continuity and early recovery of core business while minimizing damage to a company’s business assets in an emergency |
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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 |
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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 |
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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 |
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Flood risk information integrated confirmation system (Sui Search) |
Providing a website that enables the acquisition of various types of information related to water disasters at multiple sites either “in summary” or “in real time” and the automatic determination of the timing of various responses and decisions (= alert stage judgments) |
Supporting companies in their loss prevention responses at times when damage due to typhoon, heavy rain, etc. is anticipated |
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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 |
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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 |
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Evacuation insurance plan |
A plan consisting of summarized effective measures for supporting a local public body in establishing an evacuation scheme, which we have prepared utilizing the knowledge and know-how acquired through validation of specific risks and measures related to resident evacuation in the event of disasters |
Supporting establishment of a scheme which enables rapid evacuation of persons requiring support in the event of disasters |
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Support for rebuilding the lives of disaster victims |
Provision of training to local governments, etc. on damage investigations necessary for issuing disaster victim certificates and, in the event of a flood, supporting prompt and efficient issuance of said certificates through providing local governments with our damage investigation information (such as property information and depth of inundation) with customers’ consent |
Enabling local governments to reduce their workloads in investigation and improve efficiency in the administrative work of issuing disaster victim certificates and realizing prompt restoration of disaster victims' living situations through receipt of assistance under various support programs, such as disaster sympathy money and tax reductions/exemptions. |
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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 |
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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. |
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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 |
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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 |
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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 |
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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 |
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Supporting companies in expanding overseas operations |
Risk management services for small and medium-sized enterprises expanding their business overseas |
Helping to expand overseas operations of small and medium-sized enterprises |
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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. |
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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 |
Helping to the sustainable growth of companies and the realization of decent work by employees through support for personnel labor and work style reforms. |
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Consulting on occupational health and safety, and on development of safety culture |
Provision of training and consultation on occupational health and safety, diagnosis of current status, and consultation toward development of a safety culture which supports and activates safety control |
Supporting prevention of work-related accidents and facility disasters |
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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 |
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Consulting on new infectious diseases such as new strains of influenza countermeasures |
Consulting services to support customers in measures against new strains of influenza and other new infectious diseases from a variety of perspectives, including infection prevention, spread prevention, response to business partners, business continuity, and reputational damage |
Helping to prevent and limit the spread of infection |
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Participation in overseas public natural disaster compensation systems |
Participation in the international natural disaster pool, comprising organizations such the World Bank, as one of the underwriting companies for providing reconstruction funds for recovery from damage arising out of natural disasters in countries and regions such as the Pacific Island nations and the Caribbean where insurance markets are not yet fully mature |
Promoting the restructuring of the livelihood of disaster victims and the early recovery of areas hit by disasters |
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A solicitation system enabling online application procedures to be completed in workplaces |
A solicitation system that enables workers to complete online application for medical/cancer insurances in their workplace, using devices such as smartphones |
Providing a system to meet the need for non-person-to-person processing, which is increasing as a result of the spread of COVID-19 infection |
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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. |
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Animal insurance for livestock farmers (India) |
Insurance for damage caused to livestock by fire, natural disaster, disease, etc |
Helping to the stability of agriculture run by low-income farmers |
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Family Eye (notification system for relatives) |
A system in which any one relative of a policyholder is registered as an emergency contact in relation to matters regarding insurance policies. It enables our company or agents to contact the registered relative and ensure more reliable delivery of important notifications concerning insurance policies in an emergency, such as when we cannot contact the policyholder, or to share with the relative contract information, following completion of an identification procedure based on the registered information, in order to respond to the registered relative’s inquiry |
Providing peace of mind to single elderly-person households as well as to policyholders/family members in the event of hospitalization/disaster |
[Major relevant SDGs]
Goal 3: Good health and well-being for all
Goal 5: Gender Equality
Goal 8: Decent work and economic growth
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Products and Services |
Outline |
Contribution to solving social issues |
Details |
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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 |
Helping to solving issues specific to an aging society |
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Coverage for search costs when missing of the elderly |
Coverage for search costs if the insured years goes missing can be attached to accident insurance for people over 70 years old |
Helping to solving issues specific to an aging society |
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“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 |
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"&LIFE" New Income Guarantee Insurance-Wide |
An insurance with monthly pension payments for the risk of becoming unable to work or being in need of nursing care due to illness or injury by attaching to it an “endorsement for applying premium rate based on medical examination results” and a “good health discount (endorsement for application of category-based premium rate),” premiums are discounted according to status of receiving medical examinations, health conditions, smoking history, and driving history |
Providing solutions to counter the risk of being unable to work and helping to the maintenance and improvement of customers’ health |
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"&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 |
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Cancer insurance at 7-Eleven |
Cancer insurance, which applications is completed through multi-copying machines in 7-Eleven stores |
Providing application procedure in new lifestyles |
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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. |
Supporting a rich second life |
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100-year Life Lounge ~ Visualizing life plans/money plans and providing total support for asset building ~ |
Providing of information, products and services which satisfy both the need of companies to “provide employees with welfare programs enabling them to lead a rich life, such as asset building support,” and the desires of employees to “design a life plan including post-retirement life based on the detailed income/expenditure simulation” and to “receive the best possible support at each life event” |
Providing products and services to suit customers’ life plans and financial plans through visualizing their situations and needs against a backdrop of increasing concern about social welfare and retirement funds with a focus on “100-year life” |
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“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. |
Supporting a rich second life |
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“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 |
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Currency-selective Special Whole Life Insurance such as “Yasashisa, Tsunagu 2” |
A whole life insurance product which enables trouble-free transmission of assets to next generations by making the insured’s family the beneficiary of living benefits |
Supporting a fulfilling “second life” |
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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 |
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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 |
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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 |
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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 |
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“Work and Nursing Care Dual Support Service for Companies” |
Advice companies on identifying issues and the directions to be taken, based on the five initiatives described in the “Model for supporting work-life balance to prevent long-term care turnover” by the Ministry of Health, Labour and Welfare |
Helping to stable corporate management and creating a comfortable working society |
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Medical/welfare risk management service |
Support for prevention of occurrence/recurrence of incidents/accidents on the part of medical institutions and welfare service providers |
Supporting sustained development of medical institutions and welfare service providers |
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Insurance for small loans to micro-entrepreneurs (Philippines) |
Micro-insurance for loans, in cooperation with BPI Direct BanKo, which provides small loans to micro entrepreneurs. Available from the autumn of 2019 |
Supporting the operations of micro entrepreneurs through insurance even in the event of an unforeseen occurrence such as an accident or disaster. |
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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 |
Helping to the stability of the livelihood of indigenous people, many of whom are in poverty and in need of housing coverage and assistance |
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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 |
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Insurance for small loans to micro-entrepreneurs (India) |
Micro-insurance for loans, in cooperation with the local Banks, which provides small loans to micro entrepreneurs. |
Supporting the operations of micro entrepreneurs through insurance even in the event of an unforeseen occurrence such as an accident or disaster. |
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Mistui Sumitomo Insurance aims to non financial support for the young people. (Japan) |
Conducting classes to improve financial literacy for high school students following the April 2022 revision of the Civil Code that lowered the adult age from 20 to 18.These classes provided opportunities for students to learn life skills to achieve an independent, secure and prosperous life, and contributed to the improvement of living standards in the future. |
Activities to contribute to the social issues of improving the lives of young people in Japan. |
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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
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Accident response service available in 14 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 |
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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* |
Responding to a diverse range of values related to asset succession such as wanting to contribute to society by donating my assets |
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Consulting to support handling of Business and Human Rights |
Support to companies for due diligence, risk measures in supply chains, and disclosures of human rights initiatives |
Supporting initiatives to promote respect for human rights and information disclosure by companies |
*Goal 17: “Partnerships for the goals” relates to all initiatives.
