Tokio Marine Group

Sustainability
Booklet2019

Together into the FutureSeeking a safe,
secure and sustainable society
Preparing for the future, wishing to ensure the safety
and security of those you care about.
Being grateful for nature and working together to nurture forests.
Forming ties among people while respecting the individuality of each.
In seeking to realize such a sustainable society, Tokio Marine Grouphas been quick to capture changes in society and providing services tosupport people in various emergencies.
Climate change, demographic shifts and other globally prevailingsocial issues have become inextricably linked to our daily lives.
To pursue a better society, it is important, above anything else, thateach of us looks to our individualities and takes action accordingly.

About Tokio Marine GroupStrengths of Tokio Marine GroupPower of diverse human resources
Industry’s leading product development capability
High level of expertise; Balanced business portfolio
Sound financial baseDomestic Non-Life Insurance Business

Domestic Life Insurance Business

Tokio Marine & Nichido Fire Insurance
Nisshin Fire & Marine Insurance
E. design Insurance
Tokio Marine Millea SAST Insurance
Tokio Marine West SAST Insurance

Tokio Marine & Nichido Life Insurance

International Insurance Business

Financial and General Businesses

Philadelphia Consolidated Holding
Delphi Financial Group
Tokio Marine HCC
Tokio Marine Kiln Group
Tokio Marine Asia Pte., etc.

Tokio Marine Asset Management
Tokio Marine & Nichido Facilities
Tokio Marine & Nichido Risk Consulting,etc.

Three Core CSR Themes

Together into the future.
Through this booklet, we hope to expand the understanding ofour daily business activities to each and every stakeholder.

Providing Safety
and Security

Corporate
Profile2

Protecting
the Earth

Supporting
PeopleCompany name : Tokio Marine Holdings, Inc.
Representative : Satoru Komiya,President and Group CEO
Established :April 2, 2002
\150.0 billion
Capital :40,848
Number of employees :Domestic Non-Life Insurance Business : 20,465
2,240
Domestic Life Insurance Business :15,557
International Insurance Business :2,586
Financial and General Businesses :(As of July 1, 2019)(As of March 31, 2019)3

We have been up until now
and will continue working toresolve social issues.

CONTENTS
P2-3 Seeking a safe, secure and sustainable society
P6-7 Activities of Tokio Marine Group related to the SDGs

Activities of Tokio Marine Group

Providing Safety and Security
1 To deliver security at the earliest possible opportunity

P9

Nurturing children’s ability to survive and contributeto improved community resilience

P10-11⃝Products and services thatleverage traffic technology
innovation

3 Foreseeing changes in society to create new insurance

P12-13⃝Products and services that
support daily lives

2

Protecting the Earth
4 Mangrove planting tour to protect forests of life

⃝Reduce CO 2 emissions fromits business activities

P15

5 Mangrove Planting Project marking its 20th anniversary

P16-17

6 Green Gift Planet GENKI Program

P18-19Supporting People
Let employees and companies be healthy by Health

7 and Productivity Management

P21

about,” “watch” and “experience” goalball
8 “Learn
played with all senses other than visionP22-239 Spreading and connecting “the power of empathy”

P24-25P26

4⃝Disaster risk research andraising disaster readinessawareness

Top Message⃝Products and services
that help mitigate
global warming⃝Create a better naturalenvironment in collaboration
with NPOs and NGOs

Tokio Marine Insurance Company, the predecessor of Tokio Marine
Group, was established in 1879 as Japan’s first insurance company.
Since then, we have placed customers’ trust at the heart of our all
activities and supported customers and society in their times of need.
For example, we commenced operations abroad soon after thefounding. We developed Japan’s first auto insurance at the time
when there were only about 1,000 cars in the country. After theGreat Kanto Earthquake in 1923, which took many lives andproperties, we made consolation payments to customers who
suffered from the earthquake-induced fire but were outside thescope of claims payment.
In 1996, a revision was made to the Insurance Business Act to allow
non-life and life insurance companies to enter each other’s markets.
We launched the life insurance business immediately following
the revision and in 2002 developed an insurance product that provides
both life and non-life protection to customers throughout their lives.
In this way, Tokio Marine Group has always faced up to customers’
emergencies and endeavored to resolve social issues since ourfounding. For us, corporate social responsibility (CSR) is synonymouswith the very exercise of our Corporate Philosophy.
For the next 100 years as well, we intend to be there for customers
and society to support them in their times of need.

⃝Products and services
for a healthy and long-lived
society⃝Nurturing generations
responsible for the future⃝“Learn about,” “watch” and“experience” sports bydisabled persons

Members of the London Branch of Tokio Marine Insurance
Company (around 1898)

5

Activities of Tokio Marine
Group related to the SDGs
Tokio Marine Group aims to contribute to the achievement of the United
Nations’ Sustainable Development Goals (SDGs) by leveraging its
know-how accumulated in the insurance business since its founding andproviding various products and services.

Sustainable Development Goals (SDGs)

Create a safe traffic society
Remarkable advancement in traffictechnology such as autonomous
driving entails changes intraffic-related risks and users’ needs.
We develop insurance products andservices that foresee these changes
to contribute to traffic safety.

⃝Drive Agent Personal (P12-13)⃝One Day Auto Insurance⃝Rider for Expenses for Saving Victims etc.

Create a society ofgood health and longevity
Anticipating an age of 100-year life,
we protect and ensure the security ofdaily lives by developing products
and services that help people enjoy
good health and longevity.

⃝Aruku Hoken⃝Dementia Support Plan (P13) etc.

Support business activities
Changes in society impact risks
associated with business activities.
We contribute to smooth businessactivities through new products andservices that respond to emerging
corporate risks and needs.

⃝Support for the formulation of business
continuity plans (BCPs)⃝Cyber Risk Insurance⃝Support for health and productivity
management (P21) etc.

Be friendly to the Earth
Make use of clean energy
An international action plan adopted by the United
Nations in 2015, comprising 17 goals and 169 targets
to be achieved by 2030

Global Issues
Climate change

Technology innovation

Loss of biodiversity

Population growth / Declining
birthrate and aging population

We promote the provision of products
and services related to the installationand operation of renewable energy
facilities and help contain the spreadof damage caused by climate change.

⃝Mega-Solar Package Program⃝Impairment Liability Coverage for
Geothermal Power Generation
Operators etc.

Protecting
the Earth⃝Green Gift Project (P15-19)

Eliminate poverty
To provide low-income householdswith greater access to insurance and help
resolve poverty issues, we provide
products and services, including weather
insurance and microinsurance, in India byutilizing our know-how accumulated in
the insurance business.

⃝Microinsurance (weather, medical andaccident insurance) in India etc.

Let’s create a safe,
secure andsustainable society.

Tokio Marine Group’s
Three Core CSR Themes
Providing Safety
and Security

When customers choose Web-based
insurance contracts (clauses) on our
website rather than a paper-based
contract brochure, we use a part offunds corresponding to the amountsaved through the reduced use of paper
to support mangrove planting activities
overseas and environmental protection
activities in Japan.

Supporting
People

Ma n g r o v e P l a n
ct
ma rk s 2 0 t h t i n g P r o j eanniv ersar y

Global issues
6

Defining Tokio Marine Group’s core CSR themes

Contributing to the achievement of the SDGs
7

Providing Safety and Security

1

Providing Safety and Security

Together withdisastervictims

To enable customers to move forward to take upa challenge while accurately understanding
associated risks, we stay close beside them andsupport them every day through insurance.

Meeting held at the local response headquarters after the earthquake in northern Osaka

Supporting customers in their times of need

To deliver security
at the earliest
possible opportunity
Global Issues
Frequent
natural disasters

In order to deliver security to customers at theearliest opportunity upon the occurrence ofa disaster, Tokio Marine Group takes all possible
measures for smoothly receiving post-disasterinsurance claims reports.

Technology
innovation

Activities of Tokio Marine Group
Disaster risk researchand raising disasterreadiness awarenessProducts and services
that leverage traffictechnology innovation

Products andservices that support
daily lives

Remaining strong and caring to support customers andsociety in all forms of emergencies-this is an aspiration
shared throughout all activities of Tokio Marine Group.
In addition to making swift response to customers who
have reported losses after a natural disaster, it is also an
important mission of an insurance company to proactively
notify possible claim payments to customers who arelikely to be entitled to such payments.

Immediately following the earthquake that hit northern
Osaka in June 2018, Tokio Marine & Nichido set up ahead office disaster management task force and a local
response headquarters, and to ensure the earliest
possible claim payments, quickly established a claim
service structure to handle many more claims thanordinary times by setting up a backup office that
integrates initial response and various businessadministrative functions. We contacted customers wholive in areas largely affected by the disaster but had notreported losses to express our sympathy and remindthem of their enrollment in our earthquake insurance.
We also sent out brochures that explain claim payment
requirements and other relevant matters and notify
contact points for customers to report any loss.
We also made a swift initial response to the torrential
rains that occurred in western Japan in the following
month (July 2018) by spreading the roles of making
initial contact with customers and making claims
payments among non-affected bases.
We will continue to seek improvement in ouroperations in order to deliver security to customers at
the earliest possible opportunity.

Claims settlement service structure set up after the earthquake in northern Osaka
Real-time, paperless information sharing

Provide safety and security to customers
worldwide through business activities
8

Nationwide
claimsservice
officesHead office disaster management task force

BackupofficeLocal
response
headquarters

Claims service system foundation9

2
Together withchildren

Providing Safety and Security

Helping local children as a community member

Nurturing children’s ability tosurvive and contributing to
improved community resilience
In Tokio Marine Group’s Disaster Prevention Lessons launched in 2012, employees
and insurance agents serve as lecturers and visit elementary and other schools
throughout Japan to give lessons.

Top right: Kamitado Public Elementary
School is located between the magnificent
Ibi River and beautiful mountains with ascenic spot of the Yoro Falls.
Bottom left: (From right to left) Daichi
Tsuchiyama from the Gifu Branch of Tokio
Marine & Nichido Fire Insurance Co., Ltd.
and Jungo Morita and Maki Miyagawa
from e-Planning Group Corporation(agent), who served as lecturers

I think children havethe power to change
our disaster readinessawareness. (Morita)

Our lessons include local topics toincrease children’s interest andpromote their understanding. (Miyagawa)

Kamitado Public Elementary School in Yoro Town, Gifu
Prefecture, is located at the foot of the Yoro Mountains
in a beautiful natural surrounding facing the Nobi Plain.
At the school, we held Disaster Prevention Lessons for
fifth and sixth grade students in October 2018.
As Japan is prone to natural disasters, our Disaster
Prevention Lessons aim to provide an opportunity forchildren to gain knowledge on earthquakes and tsunamis
so that they can protect their lives in the event of an
emergency. Across Japan, employees and agents ofTokio Marine Group serve as lecturers and give lessons
to children in elementary and special needs schools.
The lesson at Kamitado Public Elementary School
started with quizzes on topics closely related to thechildren’s daily lives, such as the number of earthquakesthat occur in one day in Japan and the number of
volcanoes in Gifu Prefecture. The children let out acheer every time the correct answer was provided,
becoming increasingly drawn to the lesson.
“I created a model to explain the mechanism of anearthquake to make it easier to understand,” says Jungo
Morita from e-Planning Group Corporation, an agent of
Tokio Marine Group, who served as a lecturer on thatday. During the lesson, he and the children together

10explored how we should act during an earthquake andhow to prepare for it in our daily lives.
When asked what to do when an earthquake strikes
on their way to school or home, the children were eager
to share their thoughts. Their answers included to cover
their heads with schoolbags and flee to places clear of
falling stone walls and fences as well as to stay awayfrom power poles and cables.
Also, the children keenly listened to Daichi Tsuchiyama
from Tokio Marine & Nichido’s Gifu Branch, whoparticipated in recovery support activities following the2011 Great East Japan Earthquake and 2016 Kumamoto
Earthquakes.
In addition to the general contents related toearthquakes and tsunamis, the lesson integrated topics
specific to the regional characteristics of Yoro Town.
Their immediate risk involves landslides, as there are
the Yoro Mountains just behind the school. The children
thought about which local facility their families shouldseek shelter in an emergency.
Tokio Marine Group will continue to pursue better
community resilience together with local community
members.

11

Providing Safety and Security

3
Together withcustomers

The trust our predecessors
have earned allows us to take on
a completely new challenge.

Keisuke Okumura
Personal Lines Department
Tokio Marine & Nichido Fire
Insurance Co., Ltd.

As risks we face in our daily lives change with thetimes, Tokio Marine & Nichido foresees changes insociety to release a number of insurance products thateliminate customers’ concerns in advance.
Okumura: Our Drive Agent Personal released in 2017
was the industry’s first service that uses our original
driving recorder to report accidents and provide
information on accident prevention.
It was a completely new challenge, requiring many
trials and errors. After the release, I felt rewarded
when I heard that the feature to make automatic
reporting based on impact detection quickly helped thecustomer involved in an accident.
Kanesaka: In January of this year, we started offering“Dementia Support Plan,” an insurance product tosupport people with dementia and their families. It
provides various coverage, including the cost of
searching for a person with dementia when he or shegoes missing.
Tokio Marine & Nichido plans to release Annuity
Insurance with Nursing Care Coverage and Dementia

Support in October. It is an insurance product that
prepares policyholders for payment of nursing
care costs required over the long term and helps toresolve an emerging social issue of leaving full-time
employment for elder care.
Kanesaka: We repeatedly held consumer interviews
to accurately capture the needs of people actuallyengaging in nursing care. As a result, we were able tocome up with a product that offers truly needed
coverage at a reasonable premium.
In addition, Karada Yosoku Navi, a service to conduct
a self-check on the risk of lifestyle-related diseases,
has also been received well by users.
Okumura: Our ability to develop such new products
and services stems from our corporate culture thatthrives on customers’ trust, gives a chance to young
employees to take up challenges and incorporates
flexible ideas. We will continue to foresee thechanging times and incorporate customers’ feedback
to create products that are effective in resolving social
issues.

Yuutarou Kanesaka

Protecting customers through product development

Foreseeing changes in society
to create new insurance
We wish to remain a source of security by responding to customers’ concernsthat change with the times through new products and services.

12

Personal Lines Department
I collect feedback from
Tokio Marine & Nichido Fire
Insurance Co., Ltd.
customers, agents andsometimes from my family
and use it in product development.

Drive Agent Personal

Karada Yosoku Navi

Tokio Marine & Nichido’s original driving recorder
fitted in a vehicle automatically makes a call to aloss reporting center, enabling the driver to talk with
an operator over the driving recorder. It also provides
accident prevention services, including warning thedriver approaching an accident-prone area, andcreates a safe driving report to each customer
based on his or her driving characteristics. The
cumulative total of policies sold as of the end of
fiscal 2018 was over 220,000.

An Internet-based service, in which the user inputs
the age, lifestyle habits and other information to
see the likelihood of developing a lifestyle-relateddisease in 10 years from now. The probability
estimates are based on the findings of research
conducted by the National Cancer Center. The
service is available free of charge on a dedicatedwebsite also to those who are not policyholdersof Tokio Marine & Nichido.
https://services.humanbridge.net/karadayosokunavi_lifestyle/ (in Japanese)13

4

Protecting the Earth

Together with
abundant
natureProtecting the Earth
Resolving global environmental issues
requires a continuous effort. From now into
the future, we will continue our activities
to make the global environment a better
place to live as much as we can.

Global Issues
Climate change

Loss of biodiversity

Activities of Tokio Marine Group
Reduce CO 2 emissions
from its businessactivities

Products and services
that help mitigate
global warming

Create a better
natural environment
in collaboration
with NPOs and NGOs

Employees, agents and their families taking part in

Mangroveplanting tour toprotect forests of life
We conducted the 19th annual mangrove planting
tour in 2018. We will continue to engage in the Mangrove Planting Project, which we call “Insurance for
the Future of the Earth” and which has planted
mangroves in various parts of Southeast Asia andbenefitted the lives of local people.
In September 2018, sounds of people working were
heard on a vast stretch of tideland in Quang Ninh
Province in northern Vietnam. A total of 45 people,
including local residents, agents and employees of
Tokio Marine Group companies in and outside Japan,
accompanied by their families, were together planting

saplings of loop-root mangroves.
“Mangrove” is a generic term for flora that thrives inbrackish waters (where seawater and fresh water meet)along tropical and subtropical coastlines and rivermouths in Asia, Africa and South America. Mangroves
are sometimes referred to as “forests in the sea” and are
effective in mitigating global warming as they absorb
and fix large volumes of CO2, a major cause of global
warming. They also serve as natural levees to protect
people’s lives and local ecosystems from tidal waves,tsunamis and other natural disasters.
Tokio Marine Group considers the project as“Insurance for the Future of the Earth” and has beenplanting mangroves jointly with tree planting NGOs
and other parties mainly in Southeast Asia since 1999.
To date, we have planted mangroves encompassing a
total area of 10,930 hectares.
Planting saplings in the mud sometimes involves
heavy physical work. Still, we will continue to plantmangroves, wishing that each sapling planted with carewith local residents will grow into a forest on a tidelandand create a rich ecosystem in a few years.

Contribute to the sustainableglobal environment
1415

Protecting the Earth

5
Together with
abundant
nature

The activity was rolled out as a commemorative projectto celebrate the 120th anniversary of Tokio Marine &Nichido, with the original idea coming from employees
who voiced their desire to launch a long-lasting initiativein the environmental field.
An ecosystem created by mangroves is said to havediverse benefits such as mitigating and preventing global
warming, preserving biodiversity and contributing thedevelopment of local economies and communities. In a
survey conducted by Mitsubishi Research Institute, Inc.,
the cumulative economic value created by the Mangrove
Planting Project over the 19 years since its launch in
April 1999 to the end of March 2018 was estimated at

Gift for the future in 100 years from now

Mangrove Planting Projectmarking its 20th anniversary
Over the 20 years since the launch of the project in 1999, mangrove foreststhat are “cradles of life” have continued to grow and expand.

Impact of Mangrove Planting on Local Communities
Approximately

Economic Value Created by Mangrove Planting

1,250,000 tons

Mangrove Plant ing Activities

People throughout the world enjoy benefits because
these mangroves and their soil have accumulated
approximately 1,250,000 tons of carbon dioxide.

Approximately

Persons who depend on mangrove
fisheries as a primary source ofincome and/or employment

300,000

Persons who are employed inprimary production activities other thanthose related to mangrove fisheries

Approximately

Persons who are engaged inincidental occupations such as
fishing gear production or shipbuilding
and maintenance related tomangrove fisheries

persons

600,000
persons

Approximately

1, 940,000
persons

Parties
involved inlocal tree
planting

Persons who are protected bymangroves from storms, tidal surges,
erosion, saltwater intrusion,water pollution, etc.

¥391.2 billion

Created positive impacts that include improved
fishing industry productivity in oceans andoffshore areas near the mangroves.

Treeplanting
NGOs

Coastline stabilization anderosion prevention
Played roles such as preventing erosion ofcoastlines.

Total area planted with m angroves to the present

Agents10,930 h ectaresin 9 co untries(cumulative total at the end of March 2019)

Functioning as a refuge shelter fromextreme weather (damage mitigation)

Tokio
Marine Group
employees,etc.

Functioned as a refuge shelter from the impactof natural disasters.

Water conditioning
Played the role of preventing pollution to water
sources for household-use and other water.

Carbon sequestration

Customers

Cumulative total of approximately

Approximately¥14.25 billion
Approximately¥50.65 billion

Improvements in fishing industry productivity Approximately
outside the mangrove-planting sites

Localtree planting
partners

persons

persons¥118.55 billion

Estimate for 2038

Products such as fish and shellfish, wood andtraditional medicines became obtainable frommangroves.

living in and around
1, 410,000 Persons
the mangrove planting sites

140,000

Cumulative
total ofapproximately

Harvesting of mangrove products

Approximately

Approximately¥118.55 billion. The figure is expected to reach ¥391.2
billion over the next 20 years by 2038.
In addition to such economic value, this project has
impacted some 1.41 million people living in and aroundthe planted areas and has generated benefits in terms ofimproving the lives of residents in these communities
and preventing and mitigating disasters.
Mangroves bring about a variety of benefits. Tokio
Marine Group considers the Mangrove Planting Project,which protects, nurtures and spreads such mangroves, as“Insurance for the Future of the Earth” and is committed
to being involved in the project for 100 years.

Tokio Marine& Nichido(climate change mitigation)

Mangrove forests provided such benefits asabsorbing greenhouse gases and thus playeda major role in mitigating climate change.

¥35.48 billion
Approximately¥108.05 billion
Approximately¥25.37 billion
Approximately¥91.19 billion
Approximately¥12.6 billion
Approximately¥42.64 billion
Approximately¥29.7 billion
Approximately¥96.57 billion
Approximately¥1.13 billion
Approximately¥2.07 billion* Each figure above represents cumulative economic value.

16

17

Protecting the Earth

6
Together with
local
communities

Chemical-free rice, harvested in rice fields within the park and prepared by volunteer staff from the Nishitani District, was used for the mochi
tsuki event. It was the first time for many children to participate in mochi tsuki. They joined eagerly and enjoyed making rice cakes.

Creating a sustainable society throughenvironmental events

Green Gift Planet
GENKI Program
Many children and their parents joined
a mochi tsuki event held in a satoyama village
forest in Hyogo Prefecture and enjoyed
the bounty of nature at the farming village.

The Nishitani District in the northern part of Takarazuka
City, Hyogo Prefecture, is an agricultural area located ina beautiful stretch of nature. The district became the
Takarazuka Nishitani Forest Park in 2008 and has since
been a place for people living near the park to enjoy
serene satoyama settings.
In December 2018, a mochi tsuki (rice cake making)event was held at a farm in the park. The event wasplanned by the NPO Takarazuka NISITANI engaging in
the conservation of the area, with the aim of providing an
opportunity for many people to experience the culture ofa farming village, with cooperation from the Global
Environmental Outreach Centre (GEOC) and the Kansai
Government Sector & Financial Institutions Department of

Tokio Marine & Nichido. At the forest park managed by
the NPO, people can learn everything from rice planting
to harvesting and how harvested rice is made into mochi.
About 80 kg of sticky rice used in the event had beenplanted back in spring and grown and harvested in rice
fields in front of the farmhouse. On the day of the event,local residents steamed the harvested rice in wood fireovens early in the morning, happily waiting for participants
to arrive.
After the opening remarks, children and theirfamilies engaged in making rice cakes with the help of
the staff. They made and ate delicious mochi dumplings
with soy sauce, anko (sweet bean paste) and othertoppings of their preference.

Children, stuffed with mochi, started playing in thesurrounding woods, freely running on paths between
rice fields. Adults watched the children and took in thescenery of nature surrounding them. While playing
joyfully, children learned and understood the importanceof satoyama nature in a true sense.
The event was attended by people living in the Kansai region, mainly in Hyogo Prefecture, and became avaluable opportunity for parents, many of whom areworking parents, to enjoy activities together with theirchildren. For local residents, on the other hand, it becamea place to recognize the attractiveness of their community
again and deepen ties among them.
On that day, the satoyama village was filled with smiles.

Collaboration among the organizations
made the event a great success.

N PO

The purpose of the event was to letparticipants experience Nishitani’s abundantnature and culture and recognize theimportance of protecting the environment.
It was a great step forward in promoting
community vitalization through such
experience-based events.

Kota Murao
Global Environmental Outreach Centre (GEOC)

18

Employeeof Tokio

Marine &NichidoIt was a valuable experience todirectly interact with local
community members. It felt
rewarding that I am contributing
to community vitalization.

Naoyuki Matsumoto
Kansai Government Sector & Financial
Institutions Department
Tokio Marine & Nichido Fire Insurance Co., Ltd.

O

Local NPWe were glad that everyone enjoyed
the event. We will continue to work toturn the Nishitani farming village intoa place of exchange among local
community members.

Agent

Through mochi tsuki,
I experienced Nishitani’s farming
culture with children.
I hope to help protect the environment
in the future as well.

Hiroaki Inoue (left) Former Director
Masafumi Nakamura (right) Current Director

Megumi Nagao

NPO Takarazuka NISITANI

Lien Insurance Company

19Supporting People

7

Supporting People
Along with advances in the economy and society, there is a need for creating a society
in which persons with disabilities and the elderly can live their lives with a sense of
security. We are promoting initiatives aimed at realizing a society where a diversity ofpeople can play active roles utilizing their respective unique characteristics.

Together withworking
peopleSupporting sustainable corporate growth

Global Issues
Population growth / Declining
birthrate and aging population

Diversity
inclusiveness

Activities of Tokio Marine Group
Products and services
for a healthy andlong-lived society

Nurturing generations
responsible forthe future“Learn about,” “watch”
and “experience” sports
by disabled persons

Let employees andcompanies behealthy by Healthand Productivity
Management
Tokio Marine Group considers its own healthmanagement to be a critical theme and also supports
the health management efforts of customers.
Tokio Marine & Nichido Risk Consulting’s Wako
Takahashi explains, “We analyze medical examinationand medical consultation data, visualize a person’s
current health status, identify issues and then propose
countermeasures and target management.” With
companies now thinking of employee health managementfrom a corporate management perspective, Ms. Takahashi’sof each and
The healthofthe sourceisevery worker.
tylis vitaa company’

Support local communities and“create an inclusive society”
20

Wako Takahashi
Creative Solutions Department
Tokio Marine & Nichido
Risk Consulting Co., Ltd.

team specializes in providing strategically implemented
health management, a topic that has attracted attention
in recent years.
The team undertakes wide-ranging business that
includes creating educational content that teaches
employees working for corporate customers about theimportance of preventing lifestyle-related diseases andundergoing examinations for cancer. The team alsoplans booklets to publicize health management within
the company.
Ms. Takahashi describes the pleasure of being involved in this work. “One of our customers had no ideaof where to start when we first received the request for
support. Around three years later, this customer now
ambitiously pursues self-established goals and is
thinking ahead to the next phase of health management.
This work is really positive because we can support thegrowth of our customers.”
Ms. Takahashi’s message to companies and employees involved in health management is that “healthy employees have higher motivation, can think of good ideas
and work energetically, all of which results in increased
productivity. Please try to actively participate in healthmanagement activities for your own sake.”

Tokio Marine Holdings selected asa 2019 Health & Productivity Stock
For the fourth consecutive year, Tokio Marine Holdings was selected asa “Health & Productivity Stock” co-sponsored by the Ministry of Economy,
Trade and Industry and the Tokyo Stock Exchange. This designation is
given to listed companies that consider employee health managementfrom a corporate management perspective and strategically implement
health management initiatives.

21

8
Together withthe excitementof sports

Supporting People

Contributing to the creation of an all-inclusive society
through sports by disabled persons“Learn about,” “watch”
and “experience” goalball playedwith all senses other than vision
Tokio Marine Group works to support sports for persons with disabilities forthe purpose of building a society where all people can energetically participate.

Tokio Marine Group aims to realize an all-inclusive
society where everyone can play an active role
irrespective of age, gender or disability.
Among these efforts, one important theme issupporting sports for persons with disabilities.
Tokio Marine Group supports para-sports, which
includes sponsoring the Japanese Para-Sports
Association (JPSA). Our activities are centeredon three initiatives, namely “learn about,”“watch” and “experience.” For “learn about,” weparticipate in sports volunteer training programs
and attend lectures featuring para-olympians,
while “watch” involves observing athletic

KyouichiIchikawa
22

Yukako Gorin of the Tokio Marine & Nichido Chiba Automobile
Industry Production Department intently watches the flow of thematch. The branch where she works supports the sitting volleyballteam together with agents and is making para-sports even more
exciting. Ms. Gorin says, “I’m keenly aware of the difficultlyof para-sports that are played relying on one’s senses
and of the tremendous athleticism of the players.
This made the matches even more interesting.”

competitions and “experience” entails participating in
events such as experiential sessions and serving as
volunteers for sporting events.
One such activity in which we participated was the2019 JAPAN PARA Goalball Championships held at
Chiba Port Arena in February 2019. Goalball is acompetition in which sight-impaired athletes wear eyemasks and try to throw a ball with embedded bells
into the opposing goal. Participants try to determine
the flow of the match by sensing subtle movements of
their opponents or hearing the sound of the ball anddefending their own goal using their entire body.
Tokio Marine Group executives, employees andtheir families turned out to watch this competition
that featured the Japanese women’s team, whichranked 4th in the world (as of the end of December2018), as well as teams from Brazil, Turkey and theUnited States. The venue brimmed with excitementfrom the enthusiastic cheering in accordance withmatch rules. Employees who participated in experiential sessions between matches appear to have become
captivated by goalball, which requires players to relyon all senses except for sight.
Tokio Marine Group will continue to support
sports for persons with disabilities by learning about,watching and experiencing these sports.

Top: Tokio Marine Group executives, employees and theirfamilies turned out to root for the athletes and cheered passionately during break times.
Bottom: Members of Tokio Marine Philharmonic Orchestra
energized the venue with a magnificent live performance at
the awards ceremony.

Experiencing the
fun of sports for persons
with visual and hearing
impairments

We all savoredthe excitement ofsports together!

Head coach Ichikawa was at one time an athlete
himself. Ichikawa explains, “Within our team
we always ask ourselves ‘What can we do to
repay our gratitude to the companies that
support us?’ Goalball is a competition where
communicating with words is vital. I waswondering if we could help companies deepen
their communications.”“I would like to provide visually impaired
persons with opportunities to enjoy sports. I
also want to convey the real excitement ofpara-sports to members of the general public,so we will make our best efforts to do so in the
run-up to 2020 and will also strengthen
ourselves looking even further beyond.”

Deeplytouched by
the live performanceat the awards
ceremony

Rie
Urata

Rie Urata has led her team like a guardiandeity. She also played a key role when theJapanese women’s team captured a gold
medal at the London Paralympics. Ms. Urata
tells us that “the real attraction of thiscompetition is receiving information using
senses other than sight and playing in a freemanner.”Ms. Urata further notes, “I felt that, together
with the team, support from Tokio Marine
Group created excitement at the competition.
For example, the live performance at theawards ceremony was above all a gift to us
players because we have especially keen
auditory senses.”23

Supporting People

9

I try to promote natural communication.
There are also times when people
show their consideration to me and ask,
“How’s your grandmother?”I get filled with great joy when people
open themselves up to me like this.

Together withthe elderly andtheir families

Offering an elderly safety confirmation service and fostering supporters for dementia care

Spreading and connecting“the power of empathy”

Nami Yoshida
Tokyo Branch
Tokio Marine AssistanceCo., Ltd.

Tokio Marine Assistance operates a call center that provides road service. The company’s Tokyo Branchapplies the excellent phone response skills cultivated at this call center business to a service for watchingover elderly residents of the local community of Shinagawa.

Another initiative to support the elderly

Tokio Marine Group employee“Dementia Care Supporters”
surpass 5,000 people
How should we interact with persons around us who are afflicted withdementia? Having the correct knowledge about dementia when encountering such persons with dementia might enable us to support
these persons and their family even in a small way. Since fiscal 2011,
Tokio Marine Group has held Courses to Foster Support for Dementia
Care for its employees. These courses have been convened approximately 180 times at our offices in regions across Japan. With employees who have received professional training (Caravan Mates) serving
as lecturers, these one-and-a-half-hour courses feature a variety ofactivities such as watching DVDs, attending lectures and participatingin role-playing sessions.
As a result of holding these courses, the number of Group company
employees participating in this educational program and becoming
supporters for dementia care surpassed 5,000 people as of September 21, 2018, which was World Alzheimer’s Day.
Looking ahead, we intend to increase the number of employees wearing “orange rings,” which are bracelets that indicate dementia care
supporters, as we widen our circle of harmonious co-existence.

Ootsubo: Once a month, I call elderly persons who use
this service. I usually talk to them for 5 or 10 minutes
and sometimes for even as long as 20 minutes dependingon the person. If I detect something unusual during ourconversation, I report this to the Shinagawa Ward Council
on Social Welfare. Besides us who make the actualphones calls, collaboration with other parties like thestaff from Shinagawa Ward who are in charge of theservice is also crucial.

our jobs are
in
d
e
s
u
ls
skil
ne response the local community.
o
h
p
le
te
e
h
T
sidents of
re
g
in
lp
e
h
also
Mei Ootsubo
Tokyo Branch
Tokio Marine AssistanceCo., Ltd.

There are times I can find out about
the condition of an elderly person justby hearing an offhand remark like,“I’m going out now to the hospital.”
I think such details can be obtained
once there is a feeling of empathy.

24

The unattended deaths of elderly persons living alone is currently
becoming a social issue. In response, Tokio Marine Assistance’s
Tokyo Branch is collaborating with Shinagawa Ward in Tokyo andwith the Shinagawa Ward Council on Social Welfare to provide aservice for making “regular phone calls” to the elderly to confirm
their safety.
Yamaguchi: I learned about this initiative when searching forsomething we could do for the local community of Shinagawa. This
activity requires phone response skills, so I thought that as someone
who works at a call center we could help and then began participating.

Yoshida: Getting close to the other party when respondingis essential both in our main road service business and in
making “regular phone calls” to the elderly. In our
everyday call center work, the people we talk to havebeen involved in accidents and so I am thinking of aprocess sequence that is easy to understand. When we
make regular phone calls to the elderly, however, we ask
them about their ordinary daily circumstances. This
makes me feel that besides applying the experience fromour jobs, we must also have a sense of compassion forthese elderly users.

From among persons
attending the course,
we heard such
opinions as“Once I tried to havethe same feelings aspersons withdementia, I realized
the way I look at theworld was different.”

In commemoration ofreaching 5,000 supporters,
the Tokio Marine & Nichido
San-ban Cho Building
was illuminated in orange,
which is the signaturecolor for dementia
care support.

Speaking with a unified voice, all staff say they canfeel the important significance of this service each timethey call elderly persons and hear, “I’m so lonely every
day here by myself” and “You’re the first person I’ve
talked to today.”In the future as well, as we perform our main jobs wewill also apply these telephone response skills to continue
this activity that benefits society.

The Tokio Marine
Assistance call center
responds to requests
for road service.

Yuuka Yamaguchi
Tokyo Branch Tokio Marine
Assistance Co., Ltd.

I’ve long believed that cooperating withthe local community is important.
Knowing that I’ve been helpful to local
residents of Shinagawa is also the best
part of this initiative.

25

Top Message

We will balance our strength as an organization
with compassion as individuals,
looking beyond profit to deliver fully on our commitments.
Through our collective efforts, we will strive to bea “Good Company,” living up to the trust placed in us.

In August 2019, Tokio Marine Group will celebrate its 140th anniversary.
To the present, Tokio Marine Group has continuously made tremendous efforts to support
customers and society in times of need. These efforts have been a major force in “providing safety
and security,” “protecting the earth” and “supporting people,” and have driven the Group.
In recent years, society has been evolving at a breathtaking pace, reflecting such factors as
climate change, increasingly large-scale natural disasters, demographic changes andwidening disparities. We have anticipated changes in society and since our founding we haveconsistently searched for ways to be helpful to our customers and society. Recently,
as we set our sights on contributing to attaining the Sustainable Development Goals (SDGs),
I hope that we will continue to balance our strength as an organization with compassion that
supports customers and society in times of need in the future.
The insurance business is called a “people’s business.” Tokio Marine Group has
approximately 40,000 employees worldwide of different nationalities, gender, religions,ages and values. I believe that these diverse human resources all facing social issues
together is a huge first step toward finding solutions.
To ensure we can provide security that never changes
even amid these changing times, we will always address
issues throughout the world and continuously take onchallenges to be a “Good Company” that is chosen
by customers and residents of local communities.

Introducing Tokio Marine Holdings’
Official Website CSR Page
Tokio Marine Holdings CSR

Satoru Komiya
President and Group CEO
Tokio Marine Holdings, Inc.

SearchThe Sustainability Report contains even more information and data
as well as our initiatives toward respective stakeholders.
We hope that you will access and take a look at the report.

www.tokiomarinehd.com/en/csr/
26

Tokio Marine Nichido Building Shinkan,
2-1, Marunouchi 1-chome, Chiyoda-ku,
Tokyo 100-0005, Japan
Tel: +81-3-6212-3333