Together into the Future
Tokio Marine GroupCSR Booklet
2018Contents

Let’s take action together.
Let’s change the future
together.

Tokio Marine Group’s
Three Core CSR Themes

Activity Focus of
Tokio Marine Group* Based on the United Nations’ Sustainable Development
Goals (SDGs)

Theme

The environment surrounding us is undergoing constantGlobal Issues

1changes. Contributing factors vary from global warming toProvide safety andsecurity throughproducts and services

Providing
Safety andSecurity
Ensure healthy lives and promote
well-being for all at all ages.

rapid evolution in science and technology, and these changes
often give rise to new social issues. Tokio Marine Group

Make urban living environment incities safe, comfortable and culturalplaces.

believes that issues that are difficult to resolve alone could betransformed into a better future if we think and act together
and share ideas. Let’s start working together to create asustainable future.

Theme

2

* All affiliations, positions and titles, etc., stated herein are
as of the time of the preparation of this document.

P4-5

Global Issues andWhat We Can Do

P6-7

Drive Agent Personal

P8-9

Disaster Prevention
Lessons

P10-11

Global Issues andWhat We Can Do

P12-13

Green Gift Project:
Mangrove Planting

Protect people fromglobal climate change
and weather disasters

P14-15

Green Gift
Planet GENKI Program

Respect diversity

P16-17

Global Issues andWhat We Can Do

P18-19Seminar on Balancing
Work with Elder Care

P20-22

Supporting Sports for
Persons with Disabilities

P23-25

About Tokio Marine GroupP26

Top Message

Prepare for natural
disasters
Respond to thedeclining birthrate andaging population

Protect the Earth
together with local
communities

Protecting
the EarthTake urgent action to combat
climate change and its impacts.
Mitigate land-based and marine
pollution and protect resources andecosystems for future generations.

2030 Action Plan for All United Nations Member States

Sustainable Development Goals (SDGs)

Theme

3

Supporting
PeopleProvide quality education to all
people, regardless of gender andage and with or without disabilities,
and promote lifelong learning andskills development.

Embodying the pledge of leaving no one behind,the action plan aims to create a better world byrealizing sustainable development balanced among
the three aspects of economy, society and the environment and comprises 17 goals and 169 targets.

2

Reduce inequality within and among
countries and eliminate social divideand economic disparity.

Nurture people

3Theme 1

Providing Safety and Security
Our daily lives as well as new challenges involve various risks.
Through insurance, we will stay close beside our customers
and support them every day.

Provide products
and services thatdeliver greater safety
and security in every
aspect of life

What risks do we facein our daily lives?
Provide products
and services that
foresee traffictechnology
innovation

Be prepared to protect yourself and people you love in an emergency
Learning resource website

Learn

For Tomorrow’s Smiles: Disaster
Readiness and Mitigation
Information Website• Think about how you can
prepare to make your life
safe and secure.

Value customer
feedback andenhance the qualityof our business
operations

Prepare• Stock up emergency
goods and participate indisaster prevention drills.
http://www.tokiomarine-nichido.co.jp/
world/egao/ (Japanese)

4

Develop products
and make
investments to help
resolve poverty
issues in the world• Subscribe to insurance
that protects you against
risks closely related to you.

• Find out about risks in ourdaily lives.

Activities of
Tokio Marine Group

Participate inresearch on natural
disaster risk andinternational initiatives• Share disaster awarenesswith people close to you.

Provide safety andsecurity throughproducts and services

Prepare for natural
disasters

Drive Agent Personal
Disaster Prevention Lessons

P85

Drive Agent Personal

Utilizing new technologies to protect customers
Our Drive Agent Personal (DAP) is an advanced service that uses our original driving recorderand is provided as a rider to our automobile insurance.
anxious experience for customers, and we respond to eachcase with sincerity. There are difficult cases, but compliments from customers, thanking me and valuing my commitment, provide encouragement to move forward andwork hard again for them.
Ooya: Once an accident occurs, how customers perceiveand react varies in every case.. Also, more often than not,their perceptions and emotions change over time as theshock begins to ease. So, it is important that we pay close
attention to their unexpressed feelings while handlingeach case.

Various forms of security provided by DAP

Noriko Ooya (left) and Yuuka Boku
Kansai Claims Service Department 2
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Carefully listening to customers’ unspoken
words
Ooya: Our daily work is to provide claims settlement services for car accidents. We take our duties seriously be-cause we are in a position to interact with customers literally in their times of need. At the same time, being there
for customers and protecting them are very rewardingwork.
Boku: A traffic accident is usually a once-in-lifetime, very

Three services todeliver safety
and security

6

Ooya: DAP is an epoch-making system that is helpful tocustomers especially when they get involved in an accident,
are feeling stressed and unable to think logically about theaccident.
Boku: Once, there was a case that required us to confirm
the color of traffic light when the car turning right crossed
the stop line. Previously, it had been a time-consuming
process involving a check of the color change cycle in thatparticular time period and a site visit for double checking.
In this case, the customer’s car was equipped with our DAP
driving recorder, and we were able to check the color on thevideo. The customer was surprised that we settled the casevery quickly. He also told us that, when initially subscribing to DAP, he was not really sure how it would be useful.
But after the accident, the customer was very grateful andeven thanked the agent who recommended it.
Ooya: Confirming how an accident has occurred over the

telephone with a customer takes up time and sometimes
makes him or her worried because we cannot immediately
tell how we will settle the case. If we have a video, it objectively shows the cause of the accident and enables us toexplain how we intend to resolve the case in specific terms.
Through the video, we can also learn the severity of theaccident and share its memory, and this will generate agreater feeling of compassion toward the customer.

Staying closer beside customers while taking
advantage of technology innovation
Boku: In addition to driving recorders, we have seen rapid
evolution in artificial intelligence (AI) and other technologies. I think, however, that claims settlement services canonly satisfy customers when “humans” having emotions
respond to their needs. In the future, I will continue tocommit myself to customers while respecting their feelings
and would like to cultivate greater expertise.
Ooya: While DAP is a service that provides objective viewsof the facts, when explaining these facts to customers, we
make sure to take into account their thoughts and feelings,
as we had always done even before DAP was developed.
The wider use of autonomous driving and other new technologies in the future will cause a rapid change in the environment and generate new types of risks that are completely different from those in the past. We intend to make anappropriate response to such a change and continue to deliver a sense of security to customers while maintaining astrong will to protect customers in need, which is the originof our work.

Sophisticated accident
response

Accident prevention
support

Safe driving diagnosis• When detecting a certain level ofimpact, a call is automaticallymade to a loss reporting center,enabling the driver to talk with anoperator over the driving recorder.

• Provides warning to the driver inreal time based on an estimate ofaccident-prone areas.

•P rovides a safe driving diagnosis
report to each customer based on
his or her driving characteristics.

• Automatically records and sends
the video of an accident.

• Also warns the driver of notstaying centered in a lane orgetting too close to the car infront.

7

Disaster Prevention Lessons

What should we do if an earthquake
or a tsunami hits our town?

We should avoid
being alone and staywith someone else
after an earthquake.

What should we do if an earthquake strikes on yourway home?
What preparations are necessary in advance?

Japan is an earthquake-prone country, and we may encounter a disaster no matter where we live. Tokio Marine& Nichido initiated Disaster Prevention Lessons with adesire to prepare children to protect themselves at the timeof disaster.
In April 2017, Tokio Marine & Nichido and Hirakata
City, Osaka, concluded a disaster prevention agreement tocollaborate and cooperate in increasing the city’s disaster

preparedness. Accordingly, in January 2018, a city official
and an employee and an agent of Tokio Marine & Nichido provided Disaster Prevention Lessons to fifth gradestudents at Kaisei Public Elementary School in HirakataCity. During the lesson, children learned the mechanismsof earthquakes and tsunamis through videos and quizzes,
and together explored what we should do during an earthquake and how to prepare for it in our daily lives.

Together, let’s think about
what we should do before
and during an earthquakeor tsunami.

How does an earthquake ortsunami happen? Let’s
learn their mechanisms.

8

We should buy
long-lasting foods,
a radio andfirst-aid kit toprepare for anearthquake.

Two things that are important during adisaster before support from a local
government reaches us are “self-help”
to protect ourselves and “mutual
support” among community members.
I realized that, in order for families andcommunity members to join forces andhelp each other in an emergency,
making constant efforts to disseminate
comprehensive knowledge on disasterprevention through Disaster Prevention Lessons and similar activities is
crucial.

The existence of our town is thevery reason that I can continue towork as an insurance agent eachday. I hope these Disaster Prevention Lessons will help each andevery child in this town to think andact on his or her own when adisaster actually strikes.

Masayuki Sugino
Sugino Insurance Service(Agent)We should call ourfamily members
and try to get
together if
we can.

I rarely have a chance to interact
with children through my work, so
explaining complex topics in aneasy-to-understand manner was a
new challenge for me. Based on
the disaster prevention agreementwith the city and through various
other opportunities, I hope to help
local communities with activities
that utilize knowledge unique toTokio Marine & Nichido.

Takashi Nishimura

Kouhei Kamei

Civil Safety Department,
Hirakata City Hall

Osaka-Kita Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

9

Theme 2

Protecting the Earth
Global environmental issues pose significant risk not just to the current
generation but also to the next and following generations. We engage inenvironmental protection activities as an ongoing effort to create a future of
the Earth and a society that brings a sense of security.

What can we do to pass on
the world’s rich nature to
future generations?

Reduceenvironmental impact
of its businessactivities
Undertakeenvironmental
activities incollaboration withNPOs and otherorganizations

Activities of
Tokio Marine Group

Provide products
and services that
relate to the curbingof global warming

Green Gift Project
Tokio Marine & Nichido strives to protect the global
environment through its Green Gift Project.

Keep working together to protect our precious planet and its environment

Learn

Experience

Share• Study the latest trends inenvironmental issues in theworld.

• Promote energy saving
and 3Rs (reduce, reuse
and recycle) in our daily
lives.

• Share with people aroundyou ideas to lead an
eco-conscious life.

• Search for any case inwhich the natural environment in your community is
at risk.

• Choose and purchaseeco-conscious products
and services.

• Expand the circle ofactivities by making efforts
at your school and in theworkplace.

Also try out the Green Gift Planet GENKI Program10• We reduce the use of paper by encouraging customers to choose Web-based insurance contracts(clauses) on our website rather than a paper-based
contract in brochure form.
• We donate funds corresponding to a portion of theamount saved through the reduced use of paper tosupport environmental protection activities in andoutside Japan.
http://www.tokiomarine-nichido.co.jp/world/greengift

Protect the Earth
together with local
communities

Protect people fromglobal climate change
and weather disasters

Green Gift Project: Mangrove Planting
Green Gift Planet GENKI Program11

Green Gift Project: Mangrove Planting

Demak Regency, Indonesia

Hoping to see lush forests of mangrove trees across the world
100 years into the future
Mangroves thrive in brackish waters (where seawater andfresh water meet) in tropical and subtropical regions andare sometimes referred to as “forests in the sea.” Mangrove
forests provide various benefits, such as absorbing and fixing CO2 to help mitigate global warming, becoming natural levees to protect the lives of people living along coastlines from tidal waves, tsunamis and other natural disasters
and serving as “cradles of life” to create a rich ecosystem.
Tokio Marine Group considers mangroves, which pro-vide the bounty of nature, as “Insurance for the Future of
the Earth” and started planting mangrove trees in 1999. In
2007, we declared that we are committed to being involvedin the Mangrove Planting Project for 100 years.
Over the 19 years of activities to date, the mangrove
forests have continued to grow. Going forward, we will also
put more efforts into activities that protect and nurture
mangrove forests.

Mangrove
Planting TourIn September 2017, about 20 participants, including a director and employees of Tokio Marine Group accompanied by their families, tooka planting tour to Bedono, the village of Demak, Indonesia. In this village, mangrove trees
planted in the past have grown to provide protection against coastal erosion. The villagers,
perceiving the benefits of mangroves, are now
actively participating in tree planting activities.

Employees who participated in the tour held Green Lessons.
It was memorable that children of the village were full of energy.

Mangrove planting activities to date

Total area plantedwith mangrovesto the present

10,550hectares9

incountries(at the end of March 2018)12

Employees, agentsand their family
members participating in mangrove
planting volunteer
tours

545

Number ofcontracts for which
Web-based insurance contracts(clauses) were selected under theGreen Gift
Project

In the previously planted area, mangroves have growntaller than the sign describing the planting activity.

Participants planted mangrove trees and helped nursing saplings withchildren of the village. Joint work cultivates a sense of unity to nurture
mangrove forests together.

11.19

persons

million contracts(cumulative total at the end of
March 2018)(total of FY2017)

angrove forests serve to curb global warming
and foster biodiversity and are vital to all living organisms. Passing on mangrove forests
is our responsibility to other animals andchildren of the next and following generations.
In Indonesia, we have been conducting mangrove
planting since 1999. Now, in addition to tree planting,our activities have extended to protecting the forests ina sustainable manner, including providing support topeople engaging in tree planting by building facilities
closely linked to their lives.
In September 2017, members of Tokio Marine
Group have come all the way to Indonesia. Their visit
pleased local residents and government officials tremendously and became an opportunity for them to realize the importance of the mangrove planting project.
Several participants of the tour also held Green Lessons at an elementary school in Bedono. We have hadprovided environmental education to local children,
but they were particularly excited to hear stories fromvisitors from a foreign country. The tour participantsalso worked with children to plant trees and help nursing saplings, and we think this has also facilitated aMdeeper understanding among the children.
While mangrove trees we have planted will continue togrow, about 40% of mangrove forests in Indonesia havebeen lost in the past 30 years. These forests still continue todisappear at a considerable speed. Tokio Marine Group has
declared that they will carry out the planting of mangroves
as one of its social contribution activities for 100 years, andwe are impressed by their willingness to play an active role insociety. We hope that the Group will continue to support
the creation of mangrove forests, and at the same time, follow the efforts of local residents to nurture these forests in asustainable manner.

Yutaka Nakagaki
Country Director forIndonesia
OISCA-International (left)

Ada E. Nakagaki
Program Officer
OISCA-International

13

Green Gift Planet GENKI Program

Enjoy the bounty ofnatureLearn about and keep watch over the nature around us

I feel that the Green Gift Planet
GENKI Program has formed a
new bond among people interested in the local nature. I hopethat the participation in the program will also generate interest in
the SDGs and other globallycommon issues.

Rina Takayama
Shikoku Environmental Partnership Office (Shikoku EPO),
Ministry of the Environment
Participants had lunch consisting of organic vegetables grown in Donguri Oukoku and fish freshly
captured in the river. They especially enjoyed tamago
kake gohan, a dish consisting of rice cooked in a
traditional pot over a wood fire and topped with fresh
raw eggs and soy sauce.

In August 2017, the NPO Donguri
Oukoku hosted an event on its natureexperience farm, also called Donguri
Oukoku (“Acorn Kingdom”), locatedin Seiyo City, Ehime Prefecture. The
NPO provides support to parents andtheir children through interaction
with nature and animals and amongpeople, and the event was held under
the three themes of engaging with nature, enjoying the bounty of natureand committing ourselves to nature.
During the event, 39 children andparents freely interacted with nature
and animals, exchanged a lot of smiles
while enjoying the abundant local nature and learned the importance ofliving in harmony with nature.

ExperiencenatureParticipants
followed the riverthat runs throughDonguri Oukoku
into the mountains.
They came torecognize theabundance of
nature by going
upstream andobserving living
things in the river.

We received valuable advice
and comments from Tokio Marine & Nichido, and collaboration with them has been a verystimulating experience for us.
The Green Gift Planet GENKI
Program has become a true
“gift” as it has created new ties
among participants and among
our staff.

Noriko Yamamoto
NPO Donguri Oukoku

14

Committing
ourselves tonatureParticipants listened to alecture on things that live
in a biotope in Donguri
Oukoku and actually
searched the biotope tofind them. In this way,
they learned about anenvironment that isfriendly to living things.

As an insurance agent, I routinely work for local
community members and had been wishing toengage with them in other ways as well. Thisnature experience event under the Green Gift
Planet GENKI Program gave me an opportunity
to talk a lot with children I met for the first time.
I value such a relationship and hope to nurture
it in my future work as well.

Tsutomu Nakagawa
Tekuno Insurance (Agent)This is the second year that we are working with the
NPO Donguri Oukoku, and I feel we have cultivateda better mutual understanding to carry out activities
in a more effective manner. The Green Gift Planet
GENKI Program provides a valuable opportunity tointeract with local community members through theabundant gifts of nature. I hope to deepen our ties
with them further through this and similar activities.

Toshinori Abe
Ehime Branch
Tokio Marine & Nichido Fire
Insurance Co., Ltd.

15

Theme 3

Supporting People
Each and every one of us can make a difference to create a society where
diverse people can demonstrate their individuality and play an active role.

Develop and utilize
diverse humanresources within
the Group

Nurture generations
leading the future

What can we do to createa society where all people
can enjoy an active life?
Make a difference for a better society through individual actions

Learn

Experience

Share• Do a search on activities
that interest you using
books or the Internet.

• Start by taking part in an
event to experience volunteer activities or a sport for
persons with disabilities.

• Tell your experience toyour family and people
around you.

• Listen to people who haveparticipated in these
activities.
• Look for an activity aroundyou, in your school, company or local community.
16• Then, continue the activity
if you find it significant orpleasing.

• Proactively communicate
the activity through an
SNS and other means.

Activities of
Tokio Marine GroupWork toward therealization of a
symbiotic society
through volunteer
and other activities

Promote healthand productivity
management

Provide products
and services for asociety of good
health and longevity

Respect diversity

Nurture people

Seminar on Balancing Work with Elder Care
Supporting Sports for Persons with Disabilities
17Seminar on Balancing Work with Elder Care

Conveying knowledge and thoughts unique tous as an expert of elder care

Miho Iwanaga
Solution Department
Tokio Marine Nichido
Better Life Service Co., Ltd.

experience, such as what worries caregivers and what andhow to consult an expert, makes more sense than logical,“neat” explanations.
When introducing myself as a lecturer, I always add
that I myself had left work for elder care. This draws strong
attention from participants. I left work out of a sense of
responsibility, or an illusion, that I was the only person in
the family to take up the task of elder care and I should
gracefully quit working rather than causing troubles in theworkplace. But later, I have come to realize quitting my job
was not necessary. I tell my experience to seminar participants, hoping that it will enable them to envision a workstyle that balances work with elder care.
We have no idea for how long our days of caregiving
will continue. For this very reason, it would be better tocontinue working and protect our own lives.
There are three issues involved in reducing the numberof people quitting their job for elder care. First, they tend
to take matters into their own hands because they do nothave sufficient knowledge when the necessity arises. The
second issue is a lack of communication within companies
for their elder care support programs. The third is a workplace atmosphere that sometimes makes it difficult to use
these available programs. We will help resolve these issues

through our seminars while telling people that elder care isnot someone else’s problem.”Putting a great deal of thought into ourseminars
After receiving a seminar request from a company, theSolution Department conducts a survey questionnaire inadvance to ask if the company knows the actual status ofelder care among its employees and what goals they would
like to set for the seminar.
“We read and reread the answers to create seminar contents that match the aspirations of the company. Always
keeping in mind that participants set aside time to attend
the seminar, we repeat a process of trial and error and determine what case examples to include in the seminar to meetthe expectations of the company.”
All lecturers also read the responses to a survey questionnaire again conducted after the seminar and have constantly used the feedback to upgrade the seminar contents.
“To keep doing what I have been doing resolutely andwith sincerity is a promise I make to myself. I intend tocarry on this way and would like to bring brighter hopes tocustomers’ lives.”

Tokio Marine Nichido Better Life Service’s seminaron balancing work with elder care
Responding to elder care needs that changewith the times
In Japan, its declining birthrate and aging population havegiven rise to a new social issue of leaving full time employment for elder care. Tokio Marine Nichido Better Life Service is tackling the issue under its corporate philosophy ofcontributing to the realization of an enriching society thatbrings happiness to people.
“Previously, users of elder care services had no freedomof choice, just using a specified set of services. After thegovernment’s long-term care insurance system was launchedin 2000, however, customers have been allowed to choose,sign up for and use desired services. Recently, it has become
increasingly common that customers actively gather information on their own, clearly tell an elder care service provider what they want and switch to another provider if they
are not satisfied. Service providers, including us, are now

18required to capture customers’ needs accurately and continue to provide quality services in an honest and caring
manner.”Amid such a change, Tokio Marine Nichido Better Life
Service started receiving more inquiries concerning eldercare from persons in charge of personnel affairs at companies. In response to their growing needs, a seminar on balancing work with elder care was introduced for corporate
customers.

I would like people to know that work can
be balanced with elder care
What Tokio Marine Nichido Better Life Service cares mostin delivering a seminar is to show specific, actual cases andcreate a narrative based on these cases about various ways to
use the public long-term care insurance system.
“We believe that, for people having a vague feeling ofanxiety toward elder care, information based on real-world

Lecturers are experienced elder care experts, all having the care manager or care worker qualifications. As
requested by customers, they also hold a seminar for
supervisors on balancing work with elder care and anintermediate-level seminar targeting people who are
actually undertaking elder care.

I now understand that I have toprepare myself so that I won’t
panic when the time comes, andin order to prepare myself, I
need knowledge on elder care.

The seminar includes both a lecture and hand-on exercise ofelder care.

Voices of seminar participants

My parents are getting old, andI’ve felt that soon I have toaccept the task of elder care. I
gained necessary knowledge onelder care and I feel relieved.

19Supporting Sports for Persons with Disabilities

Experiential courseon disabilities

Let’s expand the circle of inclusiveness by “learning,”“watching” and “experiencing.”

Tokio Marine & Nichido Systems holds
an experiential course every year to raise
the awareness of physical disabilities.

We held a Boccia competition using simple rules. We played thisgame not only while standing upright but also by using wheelchairs.

Tokio Marine Group proactively supports persons withdisabilities as one approach for realizing our desire to create
a symbiotic society where all people can demonstrate theirindividuality with a sense of security. In particular, Tokio
Marine Group wishes to support athletes who overcome
their disabilities to take on challenges and to promote a
broader understanding of people with disabilities. For thesereasons, Tokio Marine Group supports the Japanese Para-Sports Association and the Japan Inclusive Football Federation. We also create opportunities for employees

throughout Japan to “learn about,” “watch” and “experience” sports for persons with disabilities. We believe that
employee involvement in sports for persons with disabilities by watching sporting events and participating in volunteer activities will help foster a corporate culture where people mutually respect diversity.
To realize a symbiotic society where all people can vigorously play active roles, we will expand our circle of activities widely across society starting from within our own
company.

What is Boccia?
Boccia is one official competition at theParalympics. This sport was devised for
persons with severe cerebral palsy orwith an equivalently severe impairmentof limb function. Players compete forpoints by trying to throw or roll six red
and six blue balls closest to a white jackball (target ball).

20

Boccia Club activities
Takashi Kikuchi
Corporate Service
Department
Tokio Marine & Nichido
Risk Consulting Co., Ltd.

The Boccia club started in June 2017 asa cross-sectional activity spanning Tokio
Marine Group. Boccia’s appeal stems
from two co-existing features, namely
the ease with which anyone can play,regardless of physical disability or experience, and the game’s depth, strategy
and precision.
What’s more, Boccia involves constant verbal exchanges during thegames, and I think this gives participants
enjoyment from communication with
their colleagues outside of their regular
everyday jobs.

21

Lecture
Meetings
In February 2018 Tokio
Marine & Nichido
Systems held a lecture

What should we do to broaden thescope of our activities within thecompany?
The first step is to create opportunities for“acquiring interest.” The second is to “understand by seeing and change by seeing.” Para-sports really is an interesting type of sports.

meeting entitled “The

About Tokio Marine GroupAs a global insurance group, we provide support to customers
across the world in their times of need.
Through the insurance business, we seek to deliver safety and security to customers worldwide, support
society and local communities and contribute to ensuring sustainability of the global environment.
To achieve these goals, we will fully exert our strengths, generate ideas to take sincere and considerateactions every day and work toward being a “Good Company” trusted by all stakeholders.

Road to a Symbiotic
Society” as part of its

Safety and Sec
ur i tvidingorPySystems Forum seminars
for employees.

Domestic Non-Life
Insurance Business
Tokio Marine & Nichido Fire
Insurance
Nisshin Fire & Marine Insurance
E. design Insurance
Tokio Marine Millea SAST
Insurance
Tokio Marine West SAST
Strengths of
Insurance

Domestic Life
Insurance Business
Tokio Marine & Nichido Life
Insurance

Tokio Marine Group

General Businesses

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

Tokio Marine AssetManagement
Tokio Marine & Nichido
Facilities
Tokio Marine Nichido
Better Life Service, etc.

Company name:	Tokio Marine Holdings, Inc.
Representative:	Tsuyoshi Nagano, President and Group CEO

Corporate Profile(as of March 31, 2018)

Established:	April 2, 2002
Capital:¥150.0 billion

gP
e
o
pl
e

22

rth
Ea

I’ve been temporarily assigned from Tokyo Gas Co., Ltd. to
the Japanese Para-Sports Association. Until this assignment, I had no opportunities either officially or privately tointeract with persons with disabilities. In reality, my own
awareness of persons with disabilities could probably besummed up in the words of Mother Theresa, who said
something similar to “The opposite of love is not hate, it’sindifference.”
I now regretfully feel, “If only I’d met persons with disabilities sooner.” The basic philosophy of para-sports is“Don’t worry about what you have lost. Just make the mostof what you have left.” We think of ways that each and every person can further build on their strengths utilizing theirown special traits. This approach also connects to the concept of placing “the right people in the right place” whent heVice President
Japanese Paralympic Committee
Executive Director in Charge ofTokyo 2020
Japanese Para-Sports Association

deploying human resources regardless of whether a person has a physical disability. For this reason, I believe thatpermeating this attitude within companies will likely produce significant positive effects.
We tell Tokio Marine & Nichido and our other partnercompanies who support para-sports that “we hope they
become top leaders in creating a symbiotic society.” I believe that the in-house events for hands-on experience will
have effects such as spurring excitement among employees, strengthening the cohesive force of companies andincreasing communication. These experiences will probably also help pave the way toward becoming a “people-friendly company.” It will be these companies that attainfurther growth in the future.
An all-inclusive society depends on people’s frame ofmind and is not something that can be quantified. Realizing
such a society requires that each and every person change
themselves, starting with something small near them andthen change the things around them. Ultimately, my personal goal is to see the day when the words “a symbiotic
society” no longer exist.

Insurance Business

S
u
p
p
orti
n

Hidefumi Takahashi

g
ctin
Prote

An all-inclusive society is supported by the awareness andactions of each and every person.

Power of diverse humanresources
Ability to connect to theworld and local community
High level of expertise
Balanced businessportfolio
Sound financial
International
Financial andbase

Number of employees: 3
 9,191	Domestic Non-Life Insurance Business: 20,705
Domestic Life Insurance Business: 2,216
International Insurance Business: 13,803
Financial and General Businesses: 2,467

Business domains:	Domestic Non-Life Insurance Business,
Domestic Life Insurance Business,
International Insurance Business,
Financial and General Businesses

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Continuing to provide preparations that respond tochanges in the times and to needs

Aruku Hoken
Medical insurance that supports health promotion
As lifespans expand due to advances inmedical technology, the needs of people
looking to stay healthy for longer periods oftime are expected to increase. Given thisoutlook, Tokio Marine & Nichido Life Insurance focused on “presymptomatic andprevention” and developed Aruku Hoken
medical insurance based on the new con-

cept of preemptively protecting customers
from serious illness such as lifestyle-related diseases. The first of its kind in the industry, Aruku Hoken refunds a portion of
insurance premiums depending on customers’ health improvement activities thatare recorded by a wearable device loaned
to customers.

Providing customers with new value through products and services

Automobile Insurance That Responds to the Sharing Economy
Smoothly providing relief to victims of accidents occurring
within the sharing economy
The sharing economy, a new economic systemformed through the sharing and exchange of idle assets and skills of individuals, is witnessing growth in
the size of markets in Japan. Although traffic accidents occurring within the sharing economy are
generally covered by personal auto insurance, there

ExampleWearable device
loaned to customers

could also be instances in which these cannot beadequately indemnified with personal insurance depending on the circumstances. In response, Tokio
Marine & Nichido began providing automobile insurance for the “Sharing Economy” to business operators with the aim of facilitating relief for victims.

Parking lot sharing services
Providing automobile insurance for the “Sharing Economy”

Parking lot sharing
economy business
operator

When customers walk morethan an average 8,000 steps
per day

Provide systems

Parking
lot provider

They receive a health enhancement refund depending on
customers’ health improvement
every half year.

1. User registration

Matching platform
4. Rental request
8. Pay compensation

2. User registration
3. Usage application
7. Pay fee

5. Provide parking lot

Parking
lot user
6. Useparking lot

Providing security to small and medium-sized companies
Re-evaluating Products corresponding to LGBT*
Treating same-sex partners as “spouses”
In view of rising social interest in sexual minorities, Tokio Marine & Nichido is working
gradually to include same-sex partners in
the definition of “spouse” for products thatprovide coverage for families and married

couples. We respect the diverse family
structures of our customers and will provide products that can be helpful in timesof need.

* LGBT is a general term that refers to sexual minorities and is derived from the first letters of the words
lesbian, gay, bi-sexual and transgender.

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Supporting the formulation of business continuity plans(BCP) in preparation for contingencies
Tokio Marine & Nichido offers a program to assist in
the formulation of business continuity plans (BCP)
for small and medium-sized companies in collaboration with local governments, chambers of commerceand commercial and industrial associations.
To cultivate a keener awareness for the need of a
BCP, the program features a simulation that allows
participants to experience an earthquake and holds
a group workshop to create an outline of a BCP.
As of the end of March 2018, we have distributed

a total of more than 73,000 booklets entitled “Rethink Now! Earthquake in the Foreseeable Futureand Preparation for It,” an educational booklet on
earthquake risk, and “Easy, Understandable BCP
Planning Sheet,” which is filled with the essential
points of BCP. Both of these booklets were developed by Tokio Marine & Nichido and Tokio Marine &Nichido Risk Consulting. By providing these booklets, we are contributing to improvements in the resilience of companies.
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Top Message

Aiming to Be a company trusted by all people and society
Our major role as an insurance company is to pay claims
to customers in their times of need. Additionally, we must
make customers aware of the risks around us and convey
the importance of preparing for these risks and work
closely with customers who suffer damages once an accident or disaster occurs and think together about the roadahead. We must also provide customers with a sense of
security. This is in essence our role and mission. The approximately 40,000 dedicated employees worldwide who
make up Tokio Marine Group will continue to maintainthis unwavering sense of mission while interacting withcustomers and society.
In recent years, the earth’s environment as well as social
structures and science and technology have continuously
evolved at a breathtaking pace. The adoption of Sustainable Development Goals (SDGs) at the United Nations
General Assembly and stepped-up actions toward attainment is probably one manifestation of these changes. Responding appropriately to these changes requires that wehave a sense of mission and continue to make sincere efforts toward solving a variety of issues. This will also test
the resolve of all employees for continuing to resolutely
tackle challenges on their own and achieve positive results.
However, even if we rely solely on our superb skills andprinciples, we can never become a company truly trusted

by customers without also having a fervent desire to be
useful to society. In this regard, we must envision howsociety will evolve in the future, draw up a scenario formaking people happy and work hand in hand with all
members of local communities to create a better future. I
often convey the message “Fail Forward, Fail Fast” to employees. In other words, I believe it is important that we
reliably earn the trust of customers by moving forward
and taking on numerous challenges and then applying
what we learn to our products and services and everyday
business activities.
I am confident that all our business activities will
steadily and certainly contribute to solving various social
issues. However, if we are content to merely rest on ourlaurels once we attain a goal, then our progress will stop
there. Within our vision of “To Be a Good Company” inour mid-term business plan, “To Be” embodies our strong
determination to continue our boundless efforts toward
becoming a “Good Company.”
Sincerely interacting with customers and local communities and focusing on trends around the world serve as
our dual imperatives. While tirelessly focusing on theseareas we will continue taking on unending challenges together with everyone.

Introducing Tokio Marine Holdings’ Official Website CSR Page
June 2018

Tokio Marine Holdings CSR

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

Tokyo 2020 Gold Partner (Non-life Insurance)

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President and Group CEO
Tokio Marine Holdings, Inc.

http://www.tokiomarinehd.com/en/csr/

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