To k i o M a r i n e G ro u p
CSR Booklet
2013

Caring for People

“Caring for People” ser ves
as the starting pointof our business and activities.

We w i l l c a r e f o r p e o p l eand be a close part of their lives
while providing themwith secur it y an d safet y.

To k i o M a r i n e G r o u p
CSR Booklet 2013

To d a y a n d f o r e v e r .

2Ta b l e o f C o n t e n t sEngaging with Society

1

P 4

Activities That Support Daily Life
P 8

Disaster Prevention Lessons
Caring for People
P 12

Claims Services
P 14

Microinsurance

Cover flower: Mangrove
Mangrove is the generic name for a group of plantsthat grow abundantly along coastlines and estuarine
regions in tropical and subtropical zones. Plants

P 16Life Insurance

referred to as mangroves are considered to exceed
100 species. Mangroves are distributed throughout
Africa, Central and South America, Asia and theSouth Pacific region, while in Japan these can befound in Okinawa and Kagoshima prefectures. The
mangrove pictured on the cover is a beautiful white
lythraceous pemphis acidula. As mangrove forests
shrink due to excessive cutting, Tokio Marine &Nichido is actively undertaking mangrove planting
activities, mainly in Asia, focusing a variety of beneficial impacts such as curbing global warming andpreserving ecosystems (page 26).

Wo r k i n g w i t h E n t h u s i a s m
P 20

Diversity
P 22

Senior Global Leadership Development Program
Looking Beyond Our

Reliable Protection
against the Unforeseen
Ensuring a Securea n d S a f e To m o r r o w

Main Businesses
P 26

Mangrove Planting Activities
P 28

Supporting the Special Olympics
P 30

Local Community andSocial Contribution Activities Overseas

P 32

Top Message

Affiliations, positions and business titles are as of June 2013.

Corporate Profile (As of March 31, 2013)
Company name

Tokio Marine Holdings, Inc.

Representative
Headquarters

Shuzo Sumi, President and CEO
Tokio Marine Nichido Building Shinkan,
1-2-1 Marunouchi, Chiyoda-ku, Tokyo

Established
CapitalApril 2, 2002
150.0 billion yen
Domestic non-life insurance business,

Business domains

Number of employees

Domestic life insurance business,
International insurance business,
Financial and General businesses
33,006 (Domestic non-life insurance: 20,159,
Domestic life insurance: 2,284,
International insurance: 9,075,
Financial and General: 1,488)

Engaging with Society

4

5

Activities That Suppor t Daily Life

1

2

“I have been robbed overseas.
Where should I contact?”“The store down the street
closed after the earthquake.
What should I do?”

5“The plant’s had a fire!
We’ve got to restart quickly.”4
3“I’d like to build a mega-solar plantin our community. What are the risks“What are the advantages ofswitching from paper contracts

that I need to keep in mind?”

to web-based insurance
contracts (clauses)?”6“Our child has come down witha fever in the middle of the night.
Is there a hospital nearby?”7“I want to drive the car
for just one day, but I don’t havean insurance policy.”

Providing security
for various situations
in society*Please refer to pages 6 and 7 for specific details on the products andservices shown in the illustrations.

Our society is undergoing constant change as highlighted by increased natural catastrophes, declining
birthrates and an aging population, advances in information technologies and a diversification of people’svalues.
Our customers have diverse needs such as forenrolling in auto insurance covering just the days
they actually drive, quickly restarting operations at
disaster-damaged plants and learning about risks
associated with building mega-solar plants.
We believe the important role of the Tokio Marine
Group in society is to provide security and safety byoffering insurance tailored to individual lifestyles in
anticipation of the many latent risks in society.

8“How can we reform our shop
to attract wheelchair-boundpersons?”6

7

Activities That Suppor t Daily LifeA Technical Care Helper is someone
who can interact with a spirit of hospitality fromthe perspective of other persons.

6

The Tokio Marine Group’s
diverse lineup of products
and services to transform
worries into peace ofmind and support
lifestyles and society

earthquake. This rider pays insurance claims for losses from service
disruption when business activities come to a complete halt due toevents such as an earthquake with a scale of 6 or higher on the JMA
Seismic Intensity Scale in the area of the business site and buildings
and facilities are damaged, supplies of electricity, gas and water are
disrupted, products and raw materials cannot be secured and shipments cannot be made.

3
Presenting Forests to Future Generations
Green Gift Projectfor Individuals

1
Assisting Travelers in Case of Emergency
Overseas Travel Insurance / Overseas Total Support Deskfor Individuals
Tokio Marine & Nichido’s overseas travel insurance features upgraded incidental support. Among our products, “Assistance Service
When Injured or Ill” offers a wide range of support that includes
providing information about and making reservations at the nearest
hospital and affiliated hospitals offering cashless payments, guaranteeing payments to medical institutions and making arrangements
for transporting injured or ill persons. “Emergency Medical Care
Consultation Service” offers telephone advice from specialists on
how to respond to injuries and illnesses. “Travel Protects” arranges
for needed cash when a policyholder’s money is stolen and also provides language interpretation services when a traveler encounterssuch trouble as accidentally breaking merchandise while shopping.
Situated in Japan (Tokyo), this support desk provides 24-hour, yearround Japanese-language support to travelers anywhere in the world.

When customers opt for web-based insurance contracts (clauses),
which can be viewed on our website, instead of choosing paper-form
contracts, for each new web-based contract we donate funds forplanting two mangrove saplings to a non-governmental organization(NGO) that carries out the mangrove planting. In this manner, we
are helping to protect the earth’s environment and reduce the environmental burden.

Supporting Customers with Sudden Injuries or Illnesses
Medical Assist
for Individuals
Tokio Marine & Nichido Life and Tokio Marine & Nichido
provide this free healthcare consultation service via telephone 24
hours a day, seven days a week to support the health of policyholders and their families. Utilizing a database of over 450,000 cases throughout Japan, Medical Assist provides information on how
to handle emergencies such as sudden illnesses or injuries, about
medical institutions that provide consultations on holidays or late atnight, the nearest medical institutions while traveling and the appropriate medical institutions for consultations based on the symptoms.
A call center is permanently staffed by healthcare specialists, including highly experienced emergency medical specialists and nurses,
who can provide consultations in more than 30 medical examination
fields. Moreover, Medical Assist arranges transfers to other hospitals
and transportation for hospital admission. Through Medical Assist,
we will address various healthcare problems that have become social
issues, such as emergency response-related issues and the shortage of
medical doctors.

4

7

Support Spanning Installation to Post-Startup Operation
Mega-Solar Package Programfor Companies

One-day Auto Insurance Available in Unit of Days
for Individuals

We offer a program that responds to the various risks in the solar
power business amid a rapid increase in plans for building megasolar plants spurred by the introduction of the “Solar Power Generation
Total Fixed Price Buyback System” in July 2012. Through this program,
we support the spread of solar power generation while responding toa variety of risks, covering areas such as soil contamination surveys
at installation sites, liability indemnity for third parties duringbuilding, damages for delivery delays and damage from a natural
catastrophe following the startup of operations.

This auto insurance covers accidents occurring when driving a car
owned by a friend or family. Designed for infrequent drivers, thisinsurance can be easily purchased via mobile phones and smartphones
in one-day units for just the number of days needed starting at a cost of
500 yen per day. Tokio Marine & Nichido will contribute to reducing
uninsured driver traffic accidents by promoting the widespread use of
One-day Auto Insurance.

8
Nurturing Personnel with a Spirit of Hospitality
Support for Obtaining“Technical Care Helper” Qualifications

2

5

Compensating Losses from

Enable Business Operations to Restart Quickly
Early Disaster Recovery Support Service

for Companies

for Companies

Many companies have a growing proportion of elderly customers

When buildings, machinery and electrical facilities are damaged

due to low birthrates and the aging of society. Tokio Marine Nichido
Better Life Service Co., Ltd. which engages in the home carebusiness, is collaborating with the Japan Technical Care Helper

Suspension of Operations due to Earthquakes
Super Business Insurance Rider for Compensationfor Suspension of Operations due to Earthquakes
for Companies
Beginning with fire insurance and liability insurance arranged individually for small and medium-sized business customers, in January
2013 we completely revised our Super Business Insurance to covervarious other risks accompanying business activities such as property damage, breakdown of manufucturing line, worker injuries
and accidents. We established a new rider covering losses from theceased operations due to business interruption as a result of a major

by a fire or natural disasters, this service minimizes the businessinterruption period until operations can be resumed by restoring
the condition of facilities and equipment instead of waiting for
new replacement parts. The Tokio Marine Group has formed apartnership with BELFOR, the world’s largest company specializing in the disaster recovery field, and can provide companies withdisaster recovery support through highly advanced techniques
and know-how.

Promotion Council, a non-profit organization (NPO), to provide
companies with training courses that enable staff to obtain Care
Assistance Specialist qualifications. By helping staff obtain thesequalifications, Tokio Marine Nichido Better Life is supporting
the development of personnel able to interact with and engage
in sales from the standpoints of elderly customers and customers
with disabilities.

Osamu Hasegawa
Manager, Production Department
Tokio Marine Nichido Better Life Service(Technical Care Helper Instructor)
Photo: Saying “Hello” in sign language

Despite the advance of the “super-aged” society, there are
not many opportunities for actually acquiring knowledge about providing care assistance. For example, carefor wheelchair-bound customers visiting stores often
tends to be inconsistent based on the judgment of theperson providing the care. Ironically, the good intentionsof assistance providers sometimes inadvertently result inaccidents or injuries.
Our Technical Care Helper qualifications training
courses feature lectures, skill practice and a certification examination over a two-day period. This training
provides a practical curriculum tailored to the type ofbusiness engaged in by the students and covers suchareas as basic knowledge on technical care, wheelchairassistance, responses to persons with visual and sight
impairments, and sign language and Braille. A noteworthy feature of the course is the use of vision-limiting
goggles and other devices that allow students to simulate body sensations felt by the elderly and persons withdisabilities. In 2012, we held approximately 70 courses
across Japan, and around 1,000 persons in customer
service positions, including persons working at automobile dealers and financial institutions, obtained careassistance qualifications.
By gaining care assistance knowledge and skills in
addition to a sense of affinity, students learn moredeeply about and consider the standpoints of others.
This is the type of hospitality all of us need. I hope
to play a role in creating a society where the elderly
and persons with disabilities can live their lives with agreater sense of security.

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9Disaster Prevention Lessons

Disaster Prevention Lessons

Disaster Prevention Lessons—Initiated by employees
as a social contribution
effort looking beyond
our main business
For the protectionof children and society

We received many responses from children such as, “Wow, a tsunami sometimes moves even faster than track and field star Usain Bolt!,*”“I learned how scary earthquakes really are after watching the video,” and “I want to find the location of evacuation centers with my family.”

Elementary school children are asked by an instructor,“What would you do if an earthquake strikes while
walking to or from school?” Children throughout theclassroom respond immediately, “Move away fromfences and walls!” and “Cover my head with my bookbag!”
In March 2013, Tokio Marine Group employees
and sales agents held a Disaster Prevention Lesson foraround 50 fifth grade students at Housei Elementary
School in Toshima ward in Tokyo.
Following the Great East Japan Earthquake, we
not only paid insurance claims but also promoted ahost of other initiatives that included strengthening
support for disaster response at companies, undertaking research on earthquake and tsunami risk throughindustry-academia collaborations and encouraging
volunteer activities by employees. Among these initiatives, employee volunteers began Disaster Prevention

Lessons based on the concept of “apply the experienceand knowledge from our main business for the sakeof children.” Under this program, employees and sales
agents serve as instructors, provide lessons at schools
and use handmade educational materials for lessons.
By encouraging children to share the details of Disaster
Prevention Lessons with their families, we also intend
to raise disaster prevention awareness among adults.
Since 2005, the Tokio Marine Group has also been
providing “Green Lessons: The Mangrove Story,” aprogram that teaches about environmental protection
at elementary schools and schools for children withspecial needs throughout Japan. To date, more than
1,800 employees have served as instructors. Applying
the know-how from this program, Disaster Prevention
Lessons have also been expanding as a social contribution activity for the entire Group. Since being

launched on an experimental basis in 2011, Disaster

Prevention Lessons have been given to approximately
2,400 elementary school students in 36 schools as ofMarch 2013 and around 100 employees have served as
instructors.
Disaster Prevention Lessons feature easy-tounderstand explanations interspersed with quizzes
and videos on earthquake mechanisms, actions to
be taken when an earthquake strikes and emergency
survival kits. Hiroyuki Harada, a teacher at the previously mentioned Housei Elementary School, commented, “We decided to introduce this program of a
private-sector company precisely because it conveys awealth of professional knowledge and know-how that
can’t be offered through a regular school curriculum.
The Tokio Marine Group truly understands on-site
conditions and circumstances in disaster-stricken
regions and the lessons given by group employees werevery persuasive and a tremendous learning experience

for the children.”
The many employees and sales agents participatingin this program expressed such opinions as, “I was able
to reaffirm the connection between my own job andsociety.” As illustrated by this program, our efforts
to provide security and safety and contribute to thedevelopment of an enriched society are not limited
to just our main business of insurance. In disasterprevention education and social contribution activities as well, we will pursue initiatives that only we are
uniquely capable of implementing.

*Usain Bolt’s maximum speed of approximately 44km/h when he set
a new world record in the men’s 100-meter race at the Berlin 2009
World Championships in Athletics (according to the German Athletics
Federation)

10

Disaster Prevention Lessons

I truly sensed the role of anon-life insurance company and renewed mydetermination as an employee.

To make learning even more fun, these lessons use
educational materials handmade by employees.

2

Disaster Prevention Lessons provide easy-to-underYuri Tsuchiya
Assistant Manager
Investment Department 1
Tokio Marine & Nichido

stand explanations mixed with slides, videos, experiments and quizzes based on the themes of earthquakes
and tsunamis, which are typical natural disasters.
Example of Lessons

After the Great East Japan Earthquake, I often thoughtof ways I could help, such as by volunteering, but neverfound any opportunity and felt some regret. Around thesame time, I learned the Disaster Prevention Lessons program was soliciting instructors. I decided to participate
not just to help in raising public awareness of disasterprevention but also because I thought it would be a good
personal learning experience and because one or two
lessons are handled by an entire group, which would notplace too much of a burden on me.
Once joining the program, I was impressed because
I learned that disaster prevention education is alreadyprovided at elementary schools and that many students
have the proper knowledge. Even so, in questionnaires
following the end of the lessons, some students submitted comments such as “I learned about things I didn’tknow,” and “I thought I knew about some things, but itturns out I misunderstood these.” These lessons made me
realize the importance of continually learning and thinking about disaster prevention. Having people acquire theproper knowledge and raising their disaster prevention
awareness is the key to making correct decisions when adisaster strikes. I’d be really pleased if the recent classes
were helpful to students even in a small way.
The Disaster Prevention Lessons reaffirmed myawareness of the crucial role and mission of non-life
insurance companies in society. I really hope to participate in these lessons again to raise my own disasterprevention awareness and to apply this experience inour main business.

1. Why do earthquakes occur?
We use illustrations to explain the earth’s structure and mechanisms that cause plates to collide
and trigger earthquakes and tsunamis.
2. What happens when an earthquake occurs?
Besides the direct damage such as from falling
objects, we also explain the mechanisms throughwhich infrastructure is affected.
3. What should we do during an earthquake?
We use quizzes to make students think about
what they should do if they are alone at schoolor their home in the event an earthquake strikes.

A disaster prevention and disaster reduction
website for ensuring smiling faces of the future

Caring for People andProtecting People
This means also protecting
people who will becustomers in the future

In view of the lessons from the Great
East Japan Earthquake, we set up thisnew website based on the idea of providing “opportunities for numerous people
to think about and acquire knowledge
on disaster prevention and disaster mitigation.” This website allows families
to learn about mechanisms that trigger
natural catastrophes, the actions to takewhen a disaster occurs and the measuresthat should be taken in preparation fora disaster.
http://www.tokiomarine-nichido.co.jp/protect/egao/ (Japanese only)(Website supervisor: International Research Institute ofDisaster Science (IRIDeS), Tohoku University)

Caring for People

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13

Claims Ser vices

ideas and episodes occasionally resonate as if
these were my own experiences.
Once while leafing through the pages, I
came across the line, “I’m not sure why but
I somehow felt joy when I heard my superior
tell his child, ‘Dad’s work helps all of us.’”

Caring for customers
from our hearts
A booklet called
Kokorokara (“From Our Hearts”)
shares the thoughts of employees.

Ryohei Kobayashi
Deputy Manager
Tokyo Automobile Claims Service Department
Tokio Marine & Nichido

The overarching mission of claims
services is helping people in need as
insurance professionals.

“Everything will be okay. Please don’t worry.” Words
such as these can soothe customers involved in a once-summarizes the thoughts and values we cherish andtakes us back to the origin of claims services, namely

in-a-lifetime accident.
To quickly provide a sense of security to such anxiety-“Caring for Customers.” This booklet is distributed
to staff involved in claims services, including new
employees, and it shares our important values, such

filled customers, the Tokio Marine Group has built astructure under which we provide customer support asa team of various experts, centering on sales agencies
and the managers of the Claims Services Department,
as well as lawyers and doctors who have a high degreeof expertise.
We believe the true essence of claims services andour crucial role is to support our customers as individual human beings and to support customers by
quickly addressing their concerns and problems andproviding them with professional services in responding to accidents.
Fulfilling this important role requires that all
responsible persons put themselves in the place of ourcustomers and feel the thoughts of customers while
increasing their own expertise.
That said, how much do we really understand thethoughts of customers? Without even noticing, have
we forgotten what our customers are thinking?
The booklet Kokorokara (“From Our Hearts”)

as the shared thinking of everyone in claims services,pursuing greater expertise, devotion to customers andworking in harmony with colleagues.
For all of us, hearing the words “thank you” fromour customers is something we truly treasure.
To instill customers with a sense of security, while
remembering the thoughts of Kokorokara, we will cultivate a spirit of “thinking of people” in each and every
employee and hand down the purpose and pride ofclaims services, which serves as the DNA of the Tokio
Marine Group.

Kokorokara (“From Our Hearts”)
This booklet was produced based on questionnaires and interviews with several thousand employees involved in claims services.
Besides a Japanese version, English and Chinese versions are currently
available and we are sharing these with persons involved in claims
services at Group companies throughout the world.

I’ve been involved in claims services operations since joining the company. Looking
back, it seems that every case I’ve dealt withhas been unforgettable. When I first joined
the company, I had one case where I provided
close support to a customer seriously injured
in a motorcycle accident together with thevictim’s family. There was another instancewhen tornadoes struck locally in the area
I was posted. Despite receiving enormous
damage, the town recovered strongly while
I was working like mad to pay insurance
claims. And then of course, there was theGreat East Japan Earthquake.
My work involves standing at the front
lines and I am always in a position to listen to
the opinions of customers. To me, a pricelessexperience is hearing the words “thank you”
after overcoming difficult circumstances
or finally concluding negotiations.
Inside my briefcase, I always carry acopy of Kokorokara (“From Our Hearts”).
Whenever, I glance through the booklet, theAs someone who also has a child, reading
this heightened my desire to perform workthat will let me say the same thing withconfidence.
Although Kokorokara also contains words Imight be somewhat shy to repeat, I also realize these are important words. I take pridein knowing that this sincerity toward society is one of the outstanding attributes of ourcompany.
“Helping people in need” is the role andmission of non-life insurance and the Tokio
Marine Group.
People involved in accidents harbor various
feelings. I try to stand in the shoes of thesecustomers and sense their feelings, respondsincerely while keeping close to them andfulfill the role expected of me. If someone
does not have such empathy and the ability
to do this within themselves as a person, it
is impossible to understand the feelings ofothers. I will hone my attributes as a person
and constantly take my utmost efforts so that
customers tell me with total sincerity, “I’mreally glad I called on you.”

Always carrying the booklet, “I am able to reaffirm thestarting point of claims services whenever I have any
doubts about my work.”

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Microinsurance

Helping India’s farmers byproviding insurance that
responds to local risk

K. Gopinath
Head (Rural and Co-operatives)
IFFCO-TOKIO General Insurance

Insurance that supports people
and our country is
In India, farmers make up approximately 50% of theworkforce and farming is a crucial industry in the
country’s economy, accounting for around 14% ofGDP. Approximately 20% of India’s households areclassified as low income (annual earnings of 130,000
yen or less) and most of these are farmers operatingsmall-sized farms. However, irrigation has spreadto less than 30% of regions and almost all farmers
depend on rainwater for agriculture water. Accordingly,
farmers face enormous economic damage when production volumes decline due to decreased rainfall
during droughts or by heavy rains.
In 2001, the Tokio Marine Group establishedIFFCO-TOKIO General Insurance Co., Ltd, a nonlife insurance company, as a joint venture with IFFCO,
the largest public company in India handling fertilizer. IFFCO-TOKIO began providing auto insurance
and fire insurance. IFFCO-TOKIO has also focusedon eliminating various concerns of India’s farmers
through insurance schemes and examined the development of weather insurance and microinsurance (insurance that provides coverage at low premiums).
In 2001, the company launched sales of various typesof microinsurance for rural regions. These included
accident insurance (Sankatharan Bima Yojna) linked
to the purchase of fertilizer for coverage at a low premium of 1 rupee per year; property insurance (Janta
Bima Yojna) available at a premium of 100 rupees

per year; and accident insurance (Mahila Suraksha
Bima Yojna) for women living in rural regions. In
2011, IFFCO-TOKIO began selling health insurance (Rashtriya Swasthya Bima Yojna) for low-income
persons and this product has now been provided topeople in approximately 1.24 million households inagricultural communities.
The company also began selling index-based weather
insurance (Barish Bima Yojna/Mausam Bima Yojna)that deals with the impact of bad weather during themonsoon season (June-September) and Rabi dry season(October-April) on grain harvests in rural communities.
We were able to develop these epoch-making products byleveraging IFFCO’s capabilities in undertaking market
surveys of local farmers and the Tokio Marine Group’s
underwriting know-how as well as evaluating weatherrelated risks such as for rainfall and temperatures in eachregion of India. To ensure an accurate understandingof weather insurance mechanisms, we repeatedly holdorientation meetings for banks, NGOs and other partners in each state, as well as for farmers, and currently
sell these products to around 1.4 million households
per year.
Going forward, the Tokio Marine Group will continue providing provide microinsurance and weather
insurance to those in need of insurance and thereby
contribute to the livelihoods of farmers and stablesupplies of food.

the most essential insurance.
We began providing weather insurance in
2004. In designing weather insurance, meteorological data is reported directly to the company from local weather stations throughout
India. We handle all transactions for weather
insurance, from sending premium invoices toour policyholders (farmers) to making claims
payments. Accordingly, our weather insurance has earned acclaim for being “a smoothand easy-to-understand scheme.”
We have also promoted consumer education and greater awareness of non-life
insurance, which we began selling in 2008,
through putting up posters in stores anding medical and hospitalization costs. As anespecially lasting impression, the father senta message of appreciation that said, “Without
insurance, my son’s life would have been
wrecked.”We have a strong desire to “help support
people and our country by promoting a wider
awareness of insurance and by increasing thenumber of people covered by insurance.” We
have much to learn from the Tokio Marine
Group such as its accumulated knowledge increating high-quality products and services,
relations with corporate clients and the treatment of risks. While inheriting the Group’s
ideas and approaches, we will work to develop
and promote the spread of insurance products
tailored to the needs of farmers.

leaflets in collaboration with banks and agricultural cooperatives. Recently, we have alsoutilized SMS text messaging to disseminate
information about our products.
There is one case I remember in particular. The child of a day laborer became ill
and was hospitalized. Because the father wascovered by our health insurance (Rashtriya
Swasthya Bima Yojna) for low-income earners,
he received insurance benefit payments cover-Insurance benefit payments in a farming community

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Life In surance

Providing necessary life
insurance to customers
with a focus on new risks

Today, average life expectancy is increasing alongwith advances in medical technologies. Nonetheless,there is no guarantee that longer lives will be lived
in continued good health. For example, even after
being discharged from a hospital, a person could
still require home care or rehabilitation, be unable to work or have permanent health damage andbe certified as requiring long-term care. In view ofto Protect Customers from Cancer” and in November
2011 began the “Life Insurance Revolution to Protect
One’s Living” as a new initiative. Through various
products, we help support the lives of customers after
their discharge from a hospital and help them deal
with the economic burdens during the period they areunable to work and require nursing care because of alifestyle-related disease.
Among these, Medical Kit R is a medical insurance
product based on a new concept.
“I worry about my future health, but I’m in good
health now and paying for non-refundable insurance
is a waste.” One survey revealed that a given numberof people in their 20s through their 40s are hesitantto enroll in medical insurance. Created in response to

Masatoshi Sawada
Manager
Product Development Group
Corporate Planning & Management Department
Tokio Marine & Nichido Life

such persons, Medical Kit R was launched in January
2013 as an insurance product that refunds premiums
to people who maintain good health. Following thesuch possible circumstances, people have anxieties
about their future livelihoods. These situations arereferred to as “blank areas of coverage” because these
are not covered by conventional medical insurance.

launch of Medical Kit R in January 2013, numerous
people have applied for this product.
Our mission is to broaden awareness about the risks
accompanying changing times and social issues while

Contributing to society
through insurance

To widely communicate the need to prepare for theseso-called blank areas of coverage, since 2007, Tokio

protecting the lives of our customers. We will provide
products and services while helping and working handMarine & Nichido Life has promoted the “Movement

in hand with society.

Excellent insurance products
cannot be created without
listening to people’s stories.
“Wow! This is an absolutely amazing product.” The excitement probably continued forabout a minute. This scene actually occurred“I still have to live my life even after being discharged from the hospital.”

Premiums Refunded to Those in Good HealthLife Insurance Needed by People in Their Lives Today

A New Type of Medical InsuranceLife Insurance Revolution to Protect One’s Living

Medical Kit R

With a focus on the “blank areas of coverage” such as outpatient
treatment and rehabilitation, which are not covered by conventional
medical care coverage and death coverage, we offer products covering income and health to enable people to live with a sense of security. These products include Medical Kit R, which refunds unused
premiums; Long Life Support Whole Life, which provides life-longcoverage for nursing care; and Household Income Term Insurance

When a policyholder claims no hospitalization benefits up to a certain age, this medical insurance refunds the entire amount of paidpremiums in the form of a health refund benefit. Even if the policyholder claimed some previous benefits, the differential between
premiums paid and benefits received is refunded. After this, there
is no change in premiums and coverage continues for the rest of thepolicyholder’s life. This medical insurance is the first such product inwith Inability to Work Benefit Insurance Plan that covers medical
treatment and living expenses of people unable to work because of
the need for nursing care or because they are aff licted with one of

the industry (according to a December 2012 survey by Tokio Marine& Nichido Life) that limits the burden of premiums and refunds
premiums paid-in up to a certain age. Numerous customers havealready subscribed to this insurance.

five major diseases.

during the trial phase when consumer monitors looked at Medical Kit R, which is partof Life Insurance Revolution to Protect One’s
Living lineup. I had a good feeling when I
saw people’s reactions to this product.
One consumer monitor in their 30s remarked, “I need medical insurance to prepare
for the future, but continuing to pay premiums
is really difficult.” When I heard this opinion,
I realized there was a need for an insurance
product that would allow people like this to
more actively enroll in medical insurance.
Medical Kit R, which was planned based on
this idea, also encourages people to improvetheir own health as an incentive for receiving a refund benefit in the future. I know thismight sound like self-praise, but Medical Kit
R really is a revolutionary product representative of Tokio Marine & Nichido Life, whichplaces high value on “thinking of clientsfirst.”
Concepts such as “merely creating productsthat sell” have no place at Tokio Marine &Nichido Life. Our feelings for customers andlistening to their stories are always first andforemost. After listening to what customers
need, we then create products. Our mission
is to quickly identify risks that change alongwith the currents of the times and society
and the risks unseen by our customers, andsupport our customers through insurance
in response to these risks. I believe that byfulfilling this mission we can contribute tosociety. As one of our challenges in the life
insurance industry, we will continue to provide products that support our customers in
the future as well.

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3
Toshiyuki Wakamatsu
Deputy Manager
Corporate Planning & Management Department
Tokio Marine & Nichido Life

Offering products that transcend
conventional approaches as hokenbito(insurance professionals)*

I’m in charge of operations for calculating and determining insurance premiums.
When I heard about the product proposal for
Medical Kit R, I couldn’t come up with a way
to calculate premiums to make this a viable
product. To complicate matters, there was noother previous comparable product to use asa reference guideline and so I felt like I had
suddenly walked into a completely dark tunnel. However, I was aware that Medical Kit R
encapsulated a fervent passion of numerous
employees, namely to “somehow launch andintroduce this product to as many customers
as possible.” As a hokenbito (insurance professional) at Tokio Marine & Nichido Life, Ialso had an unwavering resolve to “succeed indeveloping this product at any cost.” Driven
by this desire, I repeated various trial-and-error processes and eventually discovered a
new premium calculation method.
Medical Kit R therefore represents a product that was finally commercialized throughthe united efforts of employees.
Following the launch of Medical Kit R,
we received words of praise from our customers such as “We’ve been waiting for thistype of product.” Having commercialized
this product gives me a tremendous sense offulfillment.
Drawing on this experience, I hope to provide Tokio Marine & Nichido Life Insurance
products t hat go beyond conventiona lapproaches and that earn the loyal support

Wo r k i n g t o M a k e Yo u r
T h o u g h t s Ta k e S h a p e
So That Customers Express
Their Appreciation for
Our Service

from our customers.

*We at Tokio Marine & Nichido Life have a sense ofsocial mission and an occupational awareness of “protecting our customers every way we can” and refer to persons
involved in the insurance industry as hokenbito (a wordcoined by Tokio Marine & Nichido Life).

Wo r k i n g w i t h E n t h u s i a s m

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21

Diversity

The Tokio Marine Group aims to maximize
its organizational capabilities by
restructuring its personnel system, challenging toreform roles and promoting active
participation of female employees at workplaces.
Whereas business conduct in Japan continues to be
dominated by the male workforce, Tokio Marine &Nichido has been focusing on initiatives to promote
the active participation of female employees sinceservices, contract-related clerical work and responsein the case of accidents. By doing so, we were able
to create additional time for work tasks. At the sametime, measures were taken to challenge the “reform

2002 as part of efforts to promote workplace diversity. Through personnel system reforms, in addition toincreasing professional awareness of female employees,of roles” to leverage the strengths of each individual
by reviewing stereotypes of roles such as that males
carry out sales and females carry out clerical work.
With this initiative, female employees assuming sales

we have also been working to develop and improve oursystems to support female employees who are striving
to enhance their career such as the introduction of the
Short Working Hours System.
The active participation of women in the workplace,
however, cannot be truly realized without reforms onsite. In 2008, the company achieved “drastic reforms”
aimed at fundamentally making all work processes

positions have increased significantly while the number of female executives and leaders (general managers
and section managers) is also increasing every year.
Going forward, we will further promote the “reformof roles” by expanding areas in which each and every
female employee can challenge and take active roles inan effort to maximize our organizational capabilities.

more simple, fast and comfortable, including products,

Systems to Support Women
8 Packages for Full Childcare Support
Full support systems are available such as maternity leave,
childcare leave, short working hours system, resumption ofwork support system and financial support for daycare andpartnered childcare centers.
Job Request System“I-Turn” and “U-Turn” Transfers
An internal application system is available that enables
employees to individually select roles and job assignments.
“I-Turn” transfers allow employees to continue working
after changing localities in line with a spouse’s relocation
while “U-Turn” transfers allow employees to change localities for a certain period to enhance their career.
*The system does not approve all applicants’ requests forchanging localities.

Roles Challenge System
Under this system, in which roles are assigned that are beneficial to the growth of each person, interviews are conducted
between supervisors and subordinates several times a year
in order to share career visions and individual strengths
and weaknesses.
TOKIO MARINE FORUM
Representatives of respective workplaces gather to consider the means of creating a corporate culture in which all
employees, including women, can take active roles as wellas enhance their career vision and organizational capabilities. Lectures and other events are held as well.

Masako Yamashita

Kaori Mizoguchi

Manager
Head of Global Cargo Claims Group 1

Yokohama Chuo Branch
Tokio Marine & Nichido

Commercial Lines Claims Department
Tokio Marine & Nichido

Human power is important for an insurancecompany and by working with enthusiasm
will lead to contributing to society.
I feel that there are less female employees leaving thecompany due to such reasons as giving birth after the
personnel system was improved to support female
employees. Since I also had a baby and experienced
child rearing, I have been working to balance workand childcare while improving the environment.
I am currently a group leader in charge of claims
services for exports and imports of companies. Of thegroup members, 60% are female employees. I believethat careful considerations and other matters that are
unique to women are reflected in claims services.
As evidenced by a group member from Uzbekistan,members raised in different cultures are also working
hard every day. Although employees’ work styles arediversifying, many competent employees that include
women are fully exerting their abilities by utilizing
their individual characteristics. I find immense pleasure in observing the growth of members every day.
As a company dealing with “intangible” products,
the insurance business is made up of people. I realizethat an environment in which each and every employee can work enthusiastically can contribute to society
through work.

Enhancing career paths through thereform of roles and engaging in work that will
be of help to society
I have previously taken childcare leave on two occasions. I was able to resume work smoothly thanks to
the Resumption of Work Support System, whichenabled me to check emails from home while I was onleave and receive information about work on a regularbasis.
I am currently using the Short Working Hours
System. When I resumed work the first time, I was
assigned to a sales position in charge of visiting customers and agents in line with the “reform of roles.”Although I was uncertain at first, I was able toexpand my horizons with increasing opportunities todirectly come in contact with customers and agents,
which in turn provided opportunities to identify theneeds of the persons with whom I was dealing throughnormal conversations. Challenging new roles has definitely allowed my skills and career to expand as well.
Systems to support employees are adequate and I
feel that the company is working with employees torealize respective career visions. My intent is not to use
the systems but rather to make use of them so that I
can carry out my duties in a way that will further leadto achieving results and contribute to society as muchas possible.

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23

Senior Global Leadership Development Program
To h o k u S e s s i o n
International Research Institute of

Globally sharing the spiritof “contributing to society
and people” by visiting
disaster-affected areas

The Tokio Marine Group is developing businesses
with the aim of becoming a world best-in-classinsurance group. A total of nearly 30,000 personnel
are working as staff at Group companies in respective
regions worldwide.
Communicating our corporate philosophy andshared va lues with members around the world
has become essential in expanding overseas business. A s part of such initiatives, we are implementing Senior Global Leadership Development
Program from 2012 for nurturing managerial-level
persons overseas.
A total of 13 people from respective regions worldwide, including U.S.-based Philadelphia Insurance
Companies (PHLY), Delphi Financial Group Inc.
and U.K.-based Kiln Group Limited, participatedin training conducted in Japan in March 2013.
During the five-day program, the Tohoku Session
mainly focused on gaining a deep understanding of
the corporate philosophy of the Tokio Marine Group.
This session also enabled those participating to listen
to the stories of the Great East Japan Earthquake from
Tokio Marine & Nichido agents and employees operating in disaster-affected areas. Discussions and an
inspection tour of the disaster-affected areas were also
conducted.
Frank discussions and an active exchange of opinions also took place during the dialogue with President
Masahiro Sakakibara of Yachi Insurance Agency,
an agent located in Ofunato City, Iwate Prefecture,and employees of Tokio Marine & Nichido’s Sendai
Branch regarding various aspects such as how they
executed recovery support and handled the payment

Disaster Science, Tohoku University(Sendai City, Miyagi Prefecture)of insurance claims in order to quickly make payments
to customers in the midst of the turmoil of the earthquake disaster.
Additionally, Professor Fumihiko Imamura from theInternational Research Institute of Disaster Scienceof Tohoku University conducted a lecture regarding
the generation mechanism of the Great East Japan
Earthquake, evaluation methods of tsunami risks andother relevant matters. A visit to disaster-affected areas
was also made thereafter. While learning about disaster prevention measures through a tidewater control
forest, participants were nearly speechless while gazingat the site where traces of the tsunami still remain.
“All we wanted was to pay insurance claims as
quickly as possible for people stricken by the disasterso that they can feel secure.”
These words from President Sakakibara were the singular thought that the agent and all employees sharedon that day. The fact that the agent and employees
united as one and managed to make many payments
over a two-month period amid the chaos has touched
the hearts of participants, as expressed by such comments, “I was able to deeply recognize the reason forexistence of an insurance company” and “I felt proud

Professor Fumihiko Imamura, a leading
person in disaster science research in Japan,
presented a lecture on disaster prevention,
disaster reduction and disaster avoidancesystems by implementing earthquake andtsunami risk assessments based on various
sources such as tsunami analysis data andf lood areas.

Tokio Marine & Nichido
Sendai Branch(Sendai City, Miyagi Prefecture)
Employees who were assigned to the branchat the time of the earthquake disaster conducted presentations on various aspects,
including the restoration of the office,development of a system for paying insurance claims and assistance to agents at thetime of the earthquake disaster. An active
Q&A session and exchange of opinions washeld thereafter regarding the management
approach in emergency situations.

to be a member of the Tokio Marine Group.”
Our thoughts of contributing to society and people
through insurance will remain unchanged everywherearound the world. In this respect, we will promote thedevelopment of global leaders by sharing such aspirations cherished and valued by the Tokio Marine Group
with all employees and staff around the world.

Yachi Insurance Agency(Ofunato City, Iwate Prefecture)
In this session conducted with Yachi Insurance Agency, an agent of Tokio Marine &Nichido, President Masahiro Sakakibara
talked about the situation up until the timein which the payment of insurance claims
was able to be completed in less than twomonths following the earthquake disaster
while the office was being torn down.
Sendai Field Observation(Wakabayashi Ward, Sendai City,
Miyagi Prefecture)
An inspection tour was conducted with afocus on the Arahama district where thetsunami more than 10 meters high had
struck. Participants were speechless when
they saw the catastrophic conditions at thetime several hundreds of victims were confirmed dead, including uprooted trees andthe aftermath of houses that were swept
away.

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4

Debris still depressingly remains on Arahama beach in Sendai city. The tsunami that struck Arahama on that day was
higher than the Arahama Kannon statue built in remembrance of the victims.

Comments from Participants of Senior Global Leadership Development Program Tohoku Session“I am grateful for allowing us to visit Tohoku on this occasion. The depth of sorrow and scale of damage could not be
understood without actually viewing the disaster-stricken are
as and listening to the words of people who were affected.”“The presentation of President Sakakibara of Yachi Insurance Agency moved my heart and reminded me of a question: What is our reason for existence as a company? I hope
to convey this experience and messages upon returning to
my own company.”“It was shocking to learn the attitude of everyone on site
being committed to taking action for customers above anything else even though they had also lost their families,
relatives or friends. All members shared a strong sense of
mission and purpose no matter what the situation.”“It was extremely impressive that everyone took action on
their own based on their own overwhelming need to ‘do what
is right’ instead of taking action upon receiving directions
from supervisors or to meet the expectations of others.”“Our job is something that changes people’s life and daily lives. We can have a major inf luence economically on thereconstruction of disaster-affected areas and the rehabilitationof people. We can also provide children with hopes for the
future. In other words, taking actions that are beneficial as acompany engaged in the insurance industry.”“I will continue to tell others what I felt at this time throughout my life. I was genuinely moved by what everyone had
accomplished amid an extremely difficult situation. The sameas the rest of the participants here today, I realize that we must
learn many things from this experience. I hope to utilize what
I have learned in my behavior and work every day as the Tokio
Marine Group as a whole.”“I am grateful to have been able to experience various aspects
that I will never forget and which are more valuable thanwhat I expected. I was able to speak to personnel from oneof the agents in Tohoku who saved customers while also
personally enduring tragic circumstances according to themission of ‘wanting to help people as much as possible’.”Continuously Expanding
Social Contribution that
Looks Beyond Our
Main Businesses in Japanand Respective Regions
Wo r l d w i d e

Looking Beyond Our
Main Businesses

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27

2012

Mangrove Planting Activities

7,993 ha2010

84,000t-CO2

6,823 ha2007

58,000t-CO2

4,955 haThe Tokio Marine Groupconsiders mangrove
planting activities as“Insurance for the Futureof the Earth.”
Our initiatives fornurturing people’s power
to live are expanding
in respective regions
around the world.

2003

29,000t-CO2

3,443 ha *1
1,900t-CO2 *2

With an active mechanism of absorbing CO2 and releasing
oxygen by storing carbon, mangroves are recognized for having
the effects of preventing global warming.
*1 Mangrove planting areas*2 CO2 absorption and fixation volume through mangroves;
Calculation of absorption and fixation volume of CO2
is verified by a third-party institution.

This year marks the 15th year since mangrove
planting activities were launched. It began with
employees who voiced their desire to “engage in anenvironment-related activity that can be continued

and protected and saved the lives of many people

over the long term.” Although mangrove planting is
usually conducted by NGOs and local people, Tokio
Marine Group employees, agents and their families
from respective regions around the world participate
annually in planting activities as volunteers.

attracted to mangrove forests and create ecosystems. If
there are more fish, people can fish and gain income.
Land without forests and aquatic resources will beenriched by planting mangroves, and in turn, support
people’s livelihoods. Every time we receive commentsfrom local people saying, “our day-to-day living has

Since the launch of activities, we have realized various effects of mangrove forests, including their rolesof “preventing and curbing global warming” and as“cradles of life” for living organisms.
Mangroves served as “green” coastal breakwaters

Before: 1999—
Flood disasters occurred
frequently with no forests.

After: 2010—
Large sea forests
expanded.

Tien Lang, Haiphong city, Vietnam

Tien Lang, Haiphong city, Vietnam

Mangrove planting activities are
expanding throughout the world.
Tokio Marine & Nichido is working
hand-in-hand with local NGOs.

Tokio Marine & Nichido commenced
the Mangrove Planting Project in 1999.
Mangrove planting activities are currently carried out in respective countries
in partnership with the NGOs Action for
Mangrove Reforestation (ACTM ANG),

from the tsunami that occurred in the Indian Ocean
in 2004. Economic effects of mangroves are also
garnering attention as well. Fish and small animals are

become more plentiful,” we realize the importance ofour mangrove planting activities in looking beyond.
Tokio Marine & Nichido is committed to continuing the Mangrove Planting Project for 100 years.

Mangrove Planting Project

There were large mangrove forests some time
ago in Tien Lang, Haiphong city, which isa harbor city situated in the northern area ofVietnam. However, “green” coastal breakwaters disappeared due to such reasons as
deforestation. People were thus suffering fromflood disasters caused by typhoons and hightides.

The Organization for Industrial, Spiritualand Cultural Advancement-International(OISCA) and International Society for
Mangrove Ecosystems (ISME).

Tokio Marine & Nichido commenced
mangrove planting activities from 1999
together with local organizations engaged

Countries a nd regions where the Ma n-

in planting trees. Small seedlings now havebecome large sea forests. Mangrove planting will be continuously implemented inorder to restore abundant forests.

Ba ngladesh a nd Fijigrove Pla nting Project is implemented:
Indonesia, Tha ila nd, The Philippines,
Ma laysia, Mya nmar, Vietna m, India,

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29

Supporting the Special Olympics

To realize a society in which people
support one another
Kentaro Matsumoto

The Tokio Marine Group conducts
support activities in order to realize
a society where people with andwithout disabilities can live
enriched daily lives.

Deputy Manager
Fukushima Automobile Industry Production Department
Tokio Marine & Nichido

S P E C I A L O LY M P I C S
Supporting the independence and social
participation of people with intellectual
disabilities through sports

I was involved in the National
Winter Games in Fukushima. Although each volunteer is assigned
to respective roles, we must takeour own actions by giving considerations to athletes since the wayof handling our roles is left to thediscretion of each person. Seeing
athletes giving it their all in playing sports with smiling faces
gave me great pleasure in that I was able to help them evenjust a little.
I was extremely grateful when volunteer members assisted
my family the other day. I realized that a society in whichpeople can support one another is truly wonderful. With
increasing awareness internally toward contributing to society in recent years, I really hope to participate further in social
contribution activities.

Special Olympics is an international sports organization providing
year-round athletic competitions as opportunities for sports training
and their results for people with intellectual disabilities. National games are also organized in addition to the World Summer andWinter Games, which are held once every four years. Events are run
by volunteers and through goodwill donations.

An activity that will energize both people
who provide support and receive support

The Special Olympics World Winter Games, which isa multi-sports event in which people with intellectual
disabilities participate, was held in Nagano Prefecture
in 2005. On this occasion, the Nagano Branch of
Tokio Marine & Nichido supported the holding of theevent, whereby many employees took part as volunteers
for running the event. Since then, Tokio Marine &A misanga bracelet that connects athletes and contributors (i.e. supporters) will be delivered to people
who have contributed to the “Shout Out” fundraising
campaign to support athletes. At the Tokio Marine
Group, employees have voluntarily participated in
making misanga bracelets. On March 11, 2013,
the bracelets were delivered to athletes in thedisaster-affected areas of the Great East Japan
Earthquake by writing messages on the envelopes
for the bracelets.

Nichido has become an official sponsor of the Special
Olympics Nippon Foundation in support of the foundation’s vision of creating a society where people withand without disabilities understand and respect eachother’s differences and live and grow together.
A total of 70 people centering on employees working
in Fukushima Prefecture participated in the National
Winter Games in Fukushima held in February 2012 tosupport running the games as volunteers.
The Tokio Marine Group is working to realize asociety in which everyone can live safely and securely.
We will continue to support persons with disabilities
so that they may lead fulfilling daily lives.

I would like to thank all employees of theTokio Marine Group for their warm support

and cooperation. The group has provided
extensive support, including volunteeringin national games and making misangabracelets for the “Shout Out” fundraising
campaign as well as fundrai sing efforts at
the Tokio Marine Philharmonic Orchestra
Regular Concerts. These initiatives arelinked to the smiling faces of athletes withintellectual disabilities.
Special Olympics not only enriches athletes’ quality of life by gaining a sense offulfillment through sports but also throughactivities that give enthusiasm to people
who are providing support.
We are planning to hold the National
Summer Games in Fukuoka in conjunction
with the 20th anniversary of the Special

Yuko Arimori
Former marathon runner
President
Special Olympics Nippon Foundation
Born in Okayama Prefecture in 1966. Marathon medalist for two consecutive occasions in the Barcelona andAtlanta Olympic Games. Since her retirement as an athlete, Ms. Arimori has been taking active roles in a broad
range of areas with a focus on sports.

Olympics Nippon Foundation’s establishment in 2014. We ask for your continued
support and cooperation as we strive towardfurther expanding the Special Olympics
movement.

Photos provided by courtesy of Special Olympics Nippon Foundation

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31

Local Communit y and Social Contribution Activities Overseas

The Tokio Marine Group
actively promotes
local community andsocial contribution
activities overseas basedon the themes of“growth of young people,”“safety and security”
and “protection of the
global environment.”

U.K.: Kiln Group
Supporting School Attendance of Street Children

U.S.A.: Philadelphia Insurance Companies
Support Initiatives for Children in Hospitals and Their Families

To mark the 50th anniversary of its foundation, the Kiln Group
became an official sponsor of the Sierra Leone Marathon, which is

As part of commemorative events to mark the 50th anniversary of its
foundation, a charity event was held to support Ronald McDonalda charity marathon held with the aim of enabling street children
to attend school in Sierra Leone, Africa, where there are said to benearly 50,000 street children. A total of 20 employees, including thegroup’s CFO, took part in the race and the team raised a total of morethan £100,000. Additionally, Tokio Marine Holdings supported theconstruction of an elementary school in a suburban village as theprize for winning the half marathon race.

House Charities, which is an organization providing a “home awayfrom home” for families whose children are in need of medical treatment. A total of 331 employees volunteered over 550 hours involving
various initiatives beginning with fundraising activities by conducting
originally planned fun events that included the provision of meals tofamilies who are staying at the house, washing families’ cars and a Plane
Pull event. Proceeds totaling approximately US$410,000 were allocatedtoward operating houses in 60 locations.

Tokio Marine Newa Insurance has been supporting an elementary school near its office in Taipei since 2005. A total of 25
employees take turns during the lunch break on a weekly basis
to guide children so that they are able to safely cross the road.
Additionally, since drinking and driving became a social issue,a “Do Not Drink and Drive” charity event was started from
July 2012. All employees are proposing ideas and participatingin enlightenment activities in order to eliminate drinking anddriving through radio and video broadcasts as well by putting
up posters.

The Tokio Marine Group currently engages in nonlife insurance, life insurance, financial and generalbusinesses in 456 cities in 37 countries and regions
worldwide and is prepared for responding to a wide
variety of customers needs.
Overseas Group companies are engaging in businesses tailored to the characteristics of respective
regions while sharing the DNA (shared values) of theTokio Marine Group.
Local community and social contribution activitiesof the Tokio Marine Group are primarily focused on
the three themes of “growth of young people,” “safety
and security” and “protection of the global environment.” Based on these themes, initiatives are carriedout in respective regions worldwide with a focus on
voluntary engagement by employees and collaboration
with NPOs with the know-how and networks required
for local community and social contribution activities.
Going forward, as a member of local communities
and society, we will actively promote local community and social contribution activities responding to theneeds of the times by respecting the diversity of cultures and customs in different countries and regions.

Taiwan: Tokio Marine Newa Insurance
Efforts to Eliminate Road Accidents

Singapore: Tokio Marine Asia
U.S.A.: Tokio Marine Management

Participated in Global Environmental Protection Event

Helping to Make Repairs at Public Elementary Schools
The Earth Hour international event organized by the environmental
NGO World Wide Fund for Nature (W WF) encourages people toturn off their lights at the same time on the same day to raise awareness for global environmental protection. In 2013, the event was heldon March 23. In Singapore, a total of 30 employees participated fromthe Tokio Marine Group and danced on energy absorbing pads. The

Tokio Marine Management participated in Chicago Cares Serve-

energy generated was used to power a film shown on a large screen
at the venue. Additionally, the local office in Hong Kong, which has
been serving as an affiliate sponsor of Earth Hour over the past three
years, invited W WF staff to a Japanese school in order to conduct
environmental lessons regarding global warming for more than 300

with local residents.

a-thon supporting public elementary schools in Chicago. A total of
12 employees from the company’s Chicago office and their families
and friends participated and carried out various tasks such as painting walls of elementary schools and repairing school fields together

U.S.A.: First Insurance Company of Hawaii
Active Participation in Local and Social Contribution Events

students and promote to Earth Hour initiatives.
The Inspiring by Example campaign was implemented as a meansof expressing the company’s gratitude toward the local community.
The Hawaiian company set and has achieved the goal for all 317
employees to participate in local community and social contribution
events, which take place more than 100 times a year, on more than
one occasion.

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To p M e s s a g e

While caring for people andcontributing to society, we aim
to realize a sustainable society.
In recent years there have been frequent occurrencesof such natural catastrophes as earthquakes, tsunamis
and typhoons throughout the world. The year 2011
witnessed major natural catastrophes that included
the Great East Japan Earthquake and the flooding in
Thailand, while in 2012 Hurricane Sandy wreaked
enormous damage in the United States. In the aftermath of these catastrophes, the Tokio Marine Group
worked to pay insurance, and I believe such experiences
reaffirmed awareness among numerous employeesof the crucial social purpose of the insurance industry.
Tokio Marine will contribute to society as an insurance company by responding to these types of natural catastrophe risks in addition to addressing otherwide-ranging social issues such as low birthrates andan aging population as well as traffic accidents. As an
example of these efforts, Tokio Marine & Nichido’s
One-day Auto Insurance helps reduce traffic accidents
involving uninsured drivers. Meanwhile, Medical Kit
R, a product offered by Tokio Marine & Nichido Life,is helping to promote increased enrollment in medical
insurance among young adults. Also, Early Disaster
Recovery Support Service offered by Tokio Marine& Nichido restores damaged facilities and equipment
after a disaster to help reduce business interruption
periods at business sites. These types of products andservices all originated from the idea of “caring forpeople and contributing to society.” Drawing on theexperience of the Great East Japan Earthquake, we aretaking a variety of concrete actions to contribute to disaster prevention and disaster reduction. Chief among
these efforts are practical research on earthquake andtsunami risk through industry-academia collaboration
as well as the holding of Disaster Prevention Lessons
that are provided to elementary school children by volunteer employees.
Tokio Marine is also taking the lead in implementing global warming prevention measures. As one longterm commitment, we have pledged “to continue ourMangrove Planting Project begun in 1999 for 100
years” and are currently involved in mangrove planting. To date, we have planted approximately 8,000
hectares of mangrove forests mainly in Asia.
Emphasizing dialogue and cooperation with stakeholders, the Tokio Marine Group will address a host ofsocial issues in regions worldwide and make its utmost
efforts to contribute to the realization of a sustainable
society. As we strive to realize our objectives, I sincerely ask for your continued support.

Tokio Marine Holdings, Inc.
Shuzo Sumi
President and CEO
Tokio Marine Holdings, Inc.

CSR Website Information

The details of information, data and initiatives
for respective stakeholders are available

June 2013

via our corporate website.
(Scheduled to be updated in December 2013)
http://www.tokiomarinehd.com/en/social_respon/index.html

Tokio Marine Holdings, Inc.
Tokio Marine Nichido Building Shinkan, 1-2-1 Marunouchi, Chiyoda-ku, Tokyo 100-0005, Japan
Telephone: +81-3-6212-3333