Tokio Marine GroupCSR Booklet 2016

Together into the FuturePlease remember.
We always remain by your side,taking each step together into the future.

2

3Creating a better future
through and beyond
the bounds of our corebusinesses

Goals of the International
Community

Activity Focus of
Tokio Marine GroupCont ent s

Excerpt from the United Nations’ 17
Sustainable Development Goals (SDGs)*

1
Providing Safety andSecurity

Theme

Provide safety andsecurity through products
and services

With the ongoing changes in society and in the
global environment, it is a challenge to build afuture that ensures a safe and secure life foreveryone. As a member of society, Tokio Marine
Group aspires to contribute to making our societysustainable, and each of our employees acts
voluntarily to this end in accordance with theGroup’s three core CSR themes. All our efforts are
geared toward supporting the creation of a better
future for all people and society.

Prepare for natural
disasters

Respond to the declining
birthrate and aging
population

Theme

P6-9

Insurance inDaily Lives

P10-11

Response to
Wide-Area Disasters

P12-14

Disaster Prevention
Lessons

2
Protecting the Earth
Theme

Theme

Protect the Earth together
with local communities

Protect people fromglobal climate change andweather disasters

3
Supporting
PeopleCompany name: Tokio Marine Holdings, Inc.
Representative: T suyoshi Nagano, President and Group CEO
Established: April 2, 2002
Capital: ¥150.0 billion
Business domains: D omestic non-life insurance business,
Domestic life insurance business,
International insurance business,
Financial and General businesses
Number of employees: 3
 6,902
Domestic non-life insurance: 20,221
Domestic life insurance: 2,301
International insurance: 12,707
Financial and General businesses: 1,673

Green Gift Project:
Environment Protection
Activities in Japan

P18-20

Green Gift Project:
Mangrove Planting

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

4* As a successor to the Millennium Development
Goals (MDGs), SDGs were adopted unanimously in
September 2015 by all leaders of more than 150 UN
member states. SDGs represent the vision, which all
people around the world, including citizens, governments and companies, should jointly pursue toward2030 and comprise 17 goals and 169 targets.

2

P15-17

Theme

Corporate Profile (as of March 31, 2016)

1

3

Respect diversity

P21-23

Supporting the Special
Olympics Nippon (SON)Foundation

Nurture people

P24-25

IkuBoss Initiatives

P26

Top Message

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Providing Safety and Security

Insurance in Daily Lives

To be there with customers,
empathizing with their worries andconcerns and providing help tofind solutions during times of needAuto, home, medical and many other insurance products
support people’s daily lives. However, required insurancechanges as we undergo various social challenges, such as
frequent natural disasters, declining birthrates, an aging
population and technological innovation. Different
homes, family compositions and life stages also requiredifferent insurance. By providing products and services
tailored to these diverse needs, Tokio Marine Group willcontinue to deliver safety and security to customers.

Protect personal
belongings in rental housing
Nisshin Fire’s Insurance for Rental Housing is home contents
fire insurance for rental housing. It is selected mainly by customers in their 20s and 30s who prefer to purchase insurance
matched to their lifestyles over the Internet, and more than
10,000 policies have been sold in one year since its launch. It
also won a 2014 Good Design Award for the first time among
non-life insurance products.

Assist prevention of
accident recurrence
Tokio Marine & Nichido developed Home
Choice Assist based on customers’ requests
for support in preventing accidents from recurring including those caused by fire, lightening,
explosion or theft. After decisions on claim
payments are finalized, policyholders choose
freely from a menu of reimbursement for various preventive measures.

“Just in case” when you
become ill or get injured“Medical assist program” is the aroundthe clock telephone medical support services by highly trained doctors, nurses andco-medical staff. The program supports
you to provide medical advices in case ofa sudden illness or injury by medical staff
and consultation on chronic conditions
by specialists (by appointment only). Also
medical care facilities are instructed asneeded near you.

Provide security
anytime,anywhere

Activity Focus of Tokio Marine Group

Provide safety andsecurity throughproducts andservices

6

Prepare fornatural disasters

Respond to
the declining
birthrate and aging
population

Tokio Marine & Nichido provides its
customers with the free smartphone
app Mobile Agent , a package of insurance policies and services available
anytime, anywhere. It provides a list of
points of contact, including our agents,and features to view policy details, report a traffic accident or vehicle failure,check the accident response status
and send photographs of an accident.

Support life
after hospitaldischarge
With the aging of society and advances in medical technology, more people need outpatient treatment or nursing care after being discharged fromthe hospital and earn less than before
hospitalization due to after-effects.
Tokio Marine & Nichido Life’s living
benefit products protect policyholders against these new risks that are
not covered by conventional medical
insurance or death coverage.

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Providing Safety and Security

e-Cycle Insurance

Support sound corporate healthand productivity management

Wishing to create a society in which anyone can ride
their bicycles securely and with joy througheasy-to-buy bicycle insurance available online

Sound corporate management means to proactively maintain, promote and enhance employees’ health and productivity at the management level. Tokio Marine & Nichido Risk
Consulting’s data health support services support maintenance and promotion of the health of each employee by
assisting companies and health insurance societies in jointly
developing effective health plans.

Yanagi: Nearly half of serious bicycle accidents are causedby people aged 29 or under. Given the risk that such accidents could involve small children, we would like to recommend our bicycle insurance to people in their 20s andalso to parents in their 30s and 40s.
Mizunuma: We have devised effective ways to communicate the danger of bicycle accidents and the very need for
insurance to this wide group of customers. For example,
we use the phrase “A bicycle is a car” in our posters.

Provide information on
accidents and disasterprevention
Accident Prevention Assist web content isavailable on Tokio Marine & Nichido’s corporate website. Customers can access the
Safety Compass site, which provides useful
information on safety in daily lives against
accidents and disasters; the Safe Driving Information site, which lists tips on preventing
traffic accidents by using videos from driving recorders; and the Disaster and Crime
Prevention Information site, which provides
a hazard map of Japan and relevant tips.

Insurance for ensuringsafety when driving
borrowed cars
Tokio Marine & Nichido’s One Day Auto Insurance is driver insurance available in the unit of days to protect infrequent drivers using parents’ or friends’ cars against traffic
accidents. It can be purchased anytime via mobile phones
and smartphones for just the number of days needed (for a
maximum of seven consecutive days).

Junichiro Yanagi
Corporate Marketing & Planning Department
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Yanagi: Bicycle accidents have been declining slightly inrecent years but are still causing more than 100,000 casualties every year. The number of cases involving heavy
compensation, sometimes amounting to almost ¥100 million, is on the rise. Harsher legal punishments are being
imposed on unsafe riding, and some local governments
now require bicycle users to enroll in bicycle insurance.

Yanagi: As a member of an insurance company, we wish
to reduce as many accidents as possible and eliminate concerns in unfortunate accident cases. We hope that oure-Cycle Insurance will be a good opportunity for young
people and children to recognize the importance of preparing for future risks.

Mizunuma: Many people still do not know what insurance is needed when riding a bicycle. Sometimes, they do
not even know whether they have already purchased suchinsurance. We need to find ways to familiarize customers
with bicycle insurance.
e-Cycle Insurance , released in October 2015, isdistinguished by offering one-stop purchase overthe Internet. It is designed to provide easy access toinsurance when customers become worried about
accidents and feel the need for bicycle insurance.

Ami Mizunuma
Corporate Marketing & Planning Department
Tokio Marine & Nichido Fire Insurance Co., Ltd.

In order to convey the importanceof preparing for accidents, thesales leaflet carries the actual
facts and data about bicycle
accidents. Marking the release,
we also handed out goods tosupport safe riding.

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Providing Safety and Security

Response to Wide-Area Disasters

Making swift claim payments to disaster victims
to help them move forward with a sense of security

Renovated claims settlement service system led to improved initial response toa wide-area disaster.
Many support employees
dispatched to the local office toincrease manpower

Previous
Information
managed in
paper form

Disasterinformation sent
by facsimile

Kiyomi Shimokawa
Kyushu Claims Service Department 2
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Earlier claim payments made possible
by group-wide efforts
One mission of Tokio Marine Group is to make claim
payments at the earliest opportunity to victims of awide-area disaster. Such a disaster occurred in August
2015 when Typhoon Goni caused substantial damage inthe Kyushu region.
“We take our utmost efforts to make swift payment ofclaims even during ordinary times. In the case of a wide-areadisaster, we must act more quickly to make important
payment decisions and take necessary procedures. Overthe past few years, we have renovated our claims settlement service system based on our experience regarding theGreat East Japan Earthquake and to adapt to increasing
natural disasters. Typhoon Goni was the first major disasterwe experienced since the completion of the infrastructuredevelopment for the renovated claims settlement service
system. The use of claims settlement service system which

provides a means to process payments from remote sites,
resulted in early claim payments and allowed us to concentrateon local claims settlement services.”
All-out efforts, including claims service departments aswell as agents, marketing departments, business support
departments and Group companies, are essential in responding to a wide-area disaster. Tokio Marine & Nichido
is already in the process of setting up a claims settlement
service structure encompassing both agents and employees,
which is operational at all times, not just during a disaster.

After Typhoon Goni, supporting employees and damage
investigators and appraisers of Group companies were
swiftly dispatched from across Japan to the disaster response office established in Kumamoto. At the peak of ouractivity, some 150 members were working in teams.
“As a member of the administration office, I sought better
work efficiency and operational speed with a limited numberof PCs and floor space. I particularly concentrated on creating smooth communications within the disaster response
office by routinely visiting each floor and checking withteams having trouble processing assigned tasks.”

Value of insurance products called
for in times of need
“Initially, there was confusion at the disaster response office,and we received complaints from customers for a lack of
preparation. But in the questionnaire for customers who
have received claim payments, there were positive comments, thanking us for our considerate response regarding

10

Prepare fornatural disasters

Agent

Disaster informationentered into theonline agent system

Claimssettlement
service system
information
managed inelectronic
form

telephone inquiries and for quick claim payments. Theircomments made me feel I have fulfilled my mission as amember of a non-life insurance company. The value of insurance is tested when something happens in customers’
daily lives. An insurance product means more than justpaying claims. It is made up of many services, including
responding to telephone inquiries and checking damage. I
will conduct each service sincerely, be there for customers inneed of help and bring peace of mind to them.”
In April 2016, a series of large earthquakes hit Kumamoto and other parts of Kyushu and inflicted enormous
damage. We are again making company-wide efforts, led by
the Kumamoto Branch, to ensure swift claim payments.
The number of claims filed to date is several tens of thousands, and every policy supports each customer’s life andfuture. We will continue to make concerted efforts throughout the entire Tokio Marine Group to serve customers andsociety in times of need.

Impact of Typhoon Goni (2015)

Activity Focus of Tokio Marine Group

Provide safety andsecurity throughproducts andservices

Current

Anyone can provide support toinitial response from his/her
desk at branches around JapanAt the peak of our response to
Typhoon Goni, the disaster
response office was filled withsupport staff sent from acrossJapan.
Close, regular communications and daily meetings with team leaders at
the disaster response office served to ensure the required practices andprocesses are always in place

The typhoon passed near Ishigaki Island on August 23, 2015
and made landfall in Kumamoto on August 25. It registereda maximum wind velocity of 30 m/s in Kyushu and also
caused heavy rain in western Japan and the Tokai Region.
In the seven prefectures in Kyushu, the local governments
issued an evacuation order to about 245,000 residents and an
evacuation advisory to some 528,000 residents. About 2,000
houses sustained partial damage, while 100 were either totally or partially destroyed.

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1

Providing Safety and Security

Disaster Prevention Lessons

Hoping for continued cooperationin protecting children’s lives

Passing on disasterprevention knowledge
to children to help them
prepare for a next
disaster
I understandvery well how
earthquakes andtsunamis happen.

Tomiyoshi Kawaguchi

A disaster can

Director,
Ibaraki Teachers Co-op

happen anytime andmaking preparations
is important.

Now I know clearly

The lessons madehow to evacuate inme realize talking

a disaster and how

with my family is

to prepare for it.

also important.

Tokio Marine Group initiated Disaster Prevention Lessons
in 2012 with a desire to use the knowledge of disaster prevention accumulated in its core businesses for the benefitof children. In January 2016, employees of Tokio Marine& Nichido’s Ibaraki Branch provided the lessons to fifth
Activity Focus of Tokio Marine Group

Prepare fornatural disasters

12

grade students at Minami Public Elementary School in
Ishioka City, Ibaraki Prefecture.
The lessons mainly describe the mechanisms of and required preparations for earthquakes and tsunamis alongwith topics on locally anticipated disasters chosen by participating employees themselves. This time, they selected thetheme “Disasters in Our Town” and mentioned the flooding that occurred in September 2015. The flooding wascaused by Typhoon No. 18’s heavy rain, which burst thebanks of the Kinugawa River. Ishioka City was also affectedby the disaster. Children listened intently to the lecture explaining that rain in the neighboring prefectures can flood
the local rivers. The lecture also presented a projection thata major earthquake would hit Ibaraki Prefecture with aprobability of 70% in the next 30 years and emphasized theimportance of making preparations in advance, particularly
discussing within each family where to meet and how tocommunicate with each other in a disaster.
Five years have passed since the Great East Japan
Earthquake and keeping the memory of the disaster fromfading has become a challenge. On the other hand, Japan
has been repeatedly struck by earthquakes, volcanic eruptions and other disasters caused by heavy rain. To protect
ourselves from a next disaster, we must think and act on
our own. As of March 31, 2016, our Disaster Prevention
Lessons have been provided to some 16,300 children at

In our day-to-day contact with the Ibaraki Branch of
Tokio Marine & Nichido, I heard about their Disaster
Prevention Lessons and was surprised to know that theyextend their efforts that far. Empathizing with their proactive corporate approach to protecting children’s lives,
the Ibaraki Teachers Co-op decided to sponsor the lessons and assisted them in soliciting participating schools.
The Great East Japan Earthquake occurred at aroundthe time when elementary schools let out. I have seen
children in upper grades escorting smaller children homeand recognized the importance of preparing children for adisaster in advance. Even though the lessons are limited intime, listening to experts from outside school will definitely be a valuable experience. We intend to keep supporting
the initiative in and after fiscal 2016 in the hope that it
will help children protect themselves in a disaster.

about 210 schools. We will continue to expand this initiative and seek to promote safety and security for the future.

Items to be preferably included in an emergency survival kit were
presented during the lessons to explain the importance of making
preparations in each household.

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1

Theme

Providing Safety and Security

2

Protecting the Earth

Green Gift Project: Environmental Protection Activities in Japan

Building a future for the local community –Disaster Prevention Lessons as the starting point

Naritsugu Miyanaga
Ibaraki Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Supporting activities of NPOs toprotect and nurture the global
environment and maintain thebounty of nature into the future1

16 organizations nationwide engaged inenvironmental activities together with Tokio Marine & Nichido(October 2015 to September 2016)

Ibaraki Prefecture had been known to be less prone to disasters but sustained damage by the tsunami generated by
the Great East Japan Earthquake in 2011 and by largescale flooding in 2015. Even though insurance companies,
including Tokio Marine & Nichido, are conducting studies
on climate change, it is impossible to know what natural disaster will occur when and where. Thus, we have the mission
to increase public recognition of insurance against earthquakes and other disasters and should also assume the roleof disseminating knowledge on disaster prevention to local

community members.
I participated in the Disaster Prevention Lessons for the
first time. I hope the collaboration with the School Teachers
Co-op will provide an opportunity for many more schools to
become interested in these lessons.
I would like to use the experience as a first step to startbuilding a future for Ibaraki. Also, I strongly hope thatchildren will take home the Clear File Folder for Disasters
that we handed out and talk about what they have learned
through the lessons with their families.

1 Hokkaido Iburi Nature School*1
2 Miyagi
Miyagi Environmental Life Out-reach Network*2
3 Yamagata Environmental Network in Yamagata*1
4 Tochigi
Tochigi Conservation Corps*1
5 Ibaraki
Water Doors*1
6 Fukui
Hasu (Opsariichthys uncirostris) Project Promotion Association
7 GifuMori, Kawa, Umi: Hidamino-ryuiki Association*1
8 Shizuoka Hamanako Satouminokai*1
9 NaraNara Hito-to-shizen-no-kai
10 Osaka
Senior Shizen Daigaku*1
11 Hyogo
Yumesaki-no-mori Park Management Committee of Hyogo
12 Okayama Forest for People Okayama*1
13 Tokushima Shinmachigawa-wo-mamorukai*1
14 Nagasaki Environmental Conservation Education Institute*1
15 Oita
Midori-no-Kobo Nanagurasu*1
15
14
16 Okinawa Okinawa Public Health Association*3

3

4
6
11

12

10
13

2

5

7
8

9
16

*1 Specified non-profit corporation*2 Public interest incorporated foundation*3 General incorporated foundation
Information on events hosted by each organization is available on
Tokio Marine & Nichido’s corporate website.
http://www.tokiomarine-nichido.co.jp/world/greengift/ (in Japanese)

C

O

L

U

M

N

Developed a learning program to generateinterest in work and business management
Tokio Marine & Nichido Risk Consulting developed alearning program to explore business strategies and risk
management through a business simulation game. The
development of the program was conducted under anexperimental study of the Ministry of Education, Culture,
Sports, Science and Technology (MEXT) jointly with
Tokio Marine & Nichido and with the expert guidanceof Mr. Daisuke Fujikawa, Professor at the Faculty of
Education, Chiba University, and Mr. Masanori Chiba,
Principal of Higashiatago Public Junior High School inTama City, Tokyo.
In March 2016, an experimental class using the
program was held at Junior High School Attached toFaculty of Education, Chiba University. In the class, 37
first-year students were divided into groups of five or
six and participated in a card game to develop Moon
Bakery, a fictional bakery, into a popular shop. Eachgroup identified the shop’s strength and weakness
from the basic business condition data, discussed how
to increase its popularity with a limited budget and then14

Students selecting strategy cards while discussing the importance ofensuring the safety of customers, not just pursuing short-term profits,
and an option to enroll in insurance in preparation for an emergency

chose five cards from the 20 strategy cards. Some
accident cards were introduced during the game. The
point was to make the students think about managing
risks while working to increase the shop’s sales.
The program is planned to be published by MEXT
sometime in the future. In Tokio Marine Group, we
aim to use it as a program we “deliver” to schools,
after adding certain adjustments. We believe that the
program allows children to learn the value of work andhow business is managed, and is effective in letting
them think about ways to anticipate and manage risks
in their daily lives.

Tokio Marine & Nichido initiated the Green Gift Project*in 2009 and has since been striving to protect the environment together with customers through mangrove planting
mainly in Asia. In October 2013, as another effort under
the project, we started working with non-profit organizations (NPOs) around Japan to facilitate environmental
protection activities that engage citizens.
For NPOs, collaboration with stakeholders is essential
to continue operations. However, within the scope of theirusual activities, their ability to expand the stakeholder baseis limited. Tokio Marine & Nichido assists them in this regard by supporting their activity programs, distributing
program leaflets through our extensive network and introducing our customers as well as potential partners to NPOs.
Moreover, through the participation of local branch employees and agents in these activity programs, we aim tobecome a reliable partner for local community members,rooted and widely recognized in each community.
As of March 31, 2016, a total of 112 events have been
held under the project in 29 regions with the participationof some 7,700 people. The project had originally targetedchildren. Now, more than 70% of participants are children

and their parents, with many finding out about such anactivity in their local community for the first time and expressing a desire to join again.
Tokio Marine & Nichido will continue to undertake
the Green Gift Project and deepen our ties with NPOs,
local governments and local community members to passon sustainable environments to future generations.
* Green Gift ProjectThis projects offers customers an option to choose Web-based insurance
contracts (clauses) on our website rather than paper-based contracts inbrochure form to reduce paper consumption. Tokio Marine & Nichido donates
a portion of the amount saved through reduced paper use to support
environmental protection activities in and outside Japan.

Activity Focus of Tokio Marine Group

Protect the Earth
together withlocal communities

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2

Protecting the Earth

Green Gift Project: Environmental Protection Activities in Japan (Activity Example)

Employees

Yoshihiro Mukougawa

Hoping children will absorb theexperience to nurture the power
to act on their own and“get acquainted” with local
natural surroundings

General Manager, Okayama Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

This event let children use fire and cutting tools, but the NPO staff
were a reliable partner and very skilled in guiding the children. I
was delighted when a participant came up to me and said, “Yourcompany is conducting a wonderful initiative.”
Jointly with our agents, the Okayama Branch set up a volunteer
committee in 2005 and has been proactively promoting information exchange on social contribution and volunteer activities. We
will encourage more agents and employees to participate in volunteer activities and create an opportunity for them to work withlocal community members.

Okayama Adventure in a satoyama village forest– Fire-making and outdoor cooking
Prefecture (Heldin February 2016)
Jointly with an NPO, we conducted an environmental event
at Takahashi Utsukushii Mori nature park in Takahashi City.
Participants conducted tree thinning, chopped firewood, cutbamboo and built a fire. Using the firewood and wild plants
picked locally, such as dandelions and shepherd’s purse,
they also cooked rice in bamboo tubes, baked bread on
bamboo sticks and made pizza using wild plants and an ingredient-rich soup. About 50 children and parents joined theevent and had an enjoyable time.

NPO

Takeshi Yamashita
Chief Director
Forest for People Okayama

Instead of using paper as we usually do to announce events and accept applications, we went paperless by partnering with the Green
Gift Project and making full use of online means. This also wasvery beneficial as we were able to extend our reach to new groupsof people beyond our rather fixed participant base. Another advantage of the Green Gift Project was that it does not specify the usageof funds donated. With local government subsidies, we are often
not allowed to cover meal-related costs. I am also grateful that employees of Tokio Marine & Nichido eagerly engaged in the eventfrom early morning and helped us manage the event smoothly.
I believe that the experience of using fire and cutting tools will
be useful in times of disaster, when becoming isolated and waiting
for rescue. I hope that through the experience children will cultivate the ability to think and act on their own.

16

Masahiro Iwami

EPO

Coordinator
Environmental Partnership Office Chugoku(EPO-Chugoku),
Ministry of the Environment

EPO-Chugoku is an intermediary organization supporting environmental activities in the Chugoku region. We began to aid
collaboration between each branch of Tokio Marine & Nichido
and environmental NPOs early on when the Green Gift Projectextended its scope to environmental protection activities in Japan.
Many NPOs are fully occupied in carrying out existing activities. But I believe corporate donations under the Green Gift Project will enable them to tackle new programs from which to gain
valuable insight.
During this event, both children and parents smiled andlaughed a lot. I think that the event gave them a chance to see eachother in different ways.

Agent

Kazumasa Hayashi

Satomi Ueno (right) Employees
Erina Yamamoto (left)

Representative Director
Tokai Insurance Center Co., Ltd.

Okayama Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

During the event, I kept feeling a sense of nostalgia, as I have not
had much chance to be close to nature or see a “real” fire. My
grandson and his friend had some trouble using a saw or lighting
a match, but the experience, which they do not get in school, willprobably stay with them long after they grow up.
At my company, we encourage every employee to participate
in a volunteer activity at least once a year. We will continue to undertake activities rooted in our community while keeping in mind
that our work is based on trust placed upon us by local community
members.

Ueno: Participating in a volunteer activity makes me realize I
could be of some help to the local community and feel myself
grow. The experience of interacting with community members andfeeling the value of friendship will have a good effect on my workand on the entire branch in the future.
Yamamoto: I have a desire to help the local community ofOkayama where I work. It’s great that we can connect to thecommunity both through our business and volunteer activities. I
have met people who I would never had have the chance to meetthrough my work, and the event was also a good opportunity forthem to get to know our company.

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Protecting the Earth

Green Gift Project: Mangrove Planting

We hope to ensure the value
created by mangroves benefits
communities 100 years into
the future.

Initiatives for Mangrove Planting• Action for Mangrove Reforestation (ACTMANG)•	Organization for Industrial, Spiritual and Cultural
Advancement-International (OISCA)• International Society for Mangrove Ecosystems (ISME)• Government• Local NPOs

Local tree planting
partners
Parties involved inlocal tree planting

Tokio Marine Group

Customers

Employees, agentsand their family
members participatingin mangrove planting
volunteer tours
510 persons (total at
the end of March
2016)

78.8

$

150

55.8

$

0
2005

2007

2009

million2011

2013 fiscal year

Tokio Marine & Nichido has been undertaking the Mangrove Planting Project since 1999. This project originatedfrom a strong desire by employees to “launch a long-lasting initiative to help protect the Earth.” In 2007, Tokio
Marine & Nichido declared its commitment to continuing the project for the next 100 years. At the end of March
2016, a total of 9,474 hectares of mangrove forest havebeen planted in nine countries.
To the present, this mangrove planting has generated
diverse benefits such as mitigating and preventing global
warming, preserving biodiversity and contributing to theApproximately

45.6

$

millionApproximately

Mangrove forests provided
such benefits as absorbing
greenhouse gases andthus played a major rolein mitigating climatechange.

50

Approximately

130,000
Persons who are employed in other mangrove
fisheries-related primary production activities
Approximately

250,000
Persons who are engaged in incidental occupations
such as fishing gear production or shipbuilding andmaintenance related to fishing industries in mangroves
Approximately

500,000
persons

Carbon sequestration(climate change mitigation)

100

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

persons
Approximately

Played the role of preventing
pollution to water sources forhousehold-use and other water.

2003

millionWater conditioning200

1,250,000

persons71.1

Functioned as a refuge shelter
from the impact of natural
disasters.

250

2001

millionApproximately$Approximately

persons(Approximately
320,000 households)

Functioning as a refuge shelter fromextreme weather (damage mitigation)

Total economic value generated
by forest creation

1999

millionApproximately

Played roles such as
preventing erosion ofcoastlines.

350

18

84.2

$

Coastline stabilization and erosion prevention

Total value (2015, Millions of U.S. dollars)Protect people
from global climatechange andweather disasters

Approximately

Created positive impacts that
include improved fishingindustry productivity in oceans
and offshore areas near the
mangroves.

Tokio Marine &NichidoNumber of contracts
for which Web-based
insurance contracts(clauses) wereselected under theGreen Gift Project45.90 million contracts(cumulative total as ofMarch 2016)

Protect the Earth
together withlocal communities

Persons living in and around the mangrove
planting sites

Improvements in fishing industry productivity
outside the mangrove-planting sites(cumulative total as of March 2016)

Activity Focus of Tokio Marine Group

Harvesting of mangrove productsTree planting
NGOs

9,474 hectares in 9 countries

300

Impact of Mangrove Planting on Local Communities

Products such as fish andshellfish, wood and traditional
medicines that became
obtainable from mangroves.

Total area planted with employees, etc.
mangroves to the present

AgentsEconomic value created by mangrove planting

$

3.3

millionCumulative benefits ofapproximately

338.8

$

milliondevelopment of local economies, communities and human resources. However, expressing the specific economic
value created by this project had proved difficult. To determine this value, Tokio Marine & Nichido commissioned
Mitsubishi Research Institute, Inc. to undertake a survey
and make assessments based on internationally recognizedmethods. The results of provisional calculations show thatthe total economic value created by the Mangrove Planting Project from April 1999 to the end of March 2014
totaled $338.8 million. This project also generated benefits
in terms of improving the lives of residents of communities

Persons who are protected by mangroves from storms,
tidal surges, erosion, saltwater intrusion, waterpollution, etc.
At least
approximately

500,000
persons

People throughout the world enjoy
benefits because these
Approximately
mangroves and their soil
accumulate carbon
dioxide.

500,000
tons

where mangroves are planted and preventing and mitigating disasters.
By ascertaining the numerical value of the outcomes ofthe mangrove-planting activities, we were able to reaffirm
our awareness of the positive social impact of this initiative. Going forward, we will utilize the results of this value
assessment to improve our Mangrove Planting Project andcontinue to undertake these activities together with our
stakeholders as we aim to further create value.

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T hem e

2

Theme

Protecting the Earth

Supporting People

Supporting the Special Olympics Nippon (SON) Foundation

Green Gift Project: Mangrove Planting (Activity Example)

We hope topromote the further
development ofsports for persons
with disabilities by
providing various
types of support.

Securing stable income and daily foods
through mangrove restoration– Initiative in Vietnam
In Vietnam, Action for Mangrove Reforestation (ACTMANG)
has been carrying out a mangrove planting project since 1999
together with the Mangrove Ecosystem Research Center ofVietnam National University and local residents.
In the Dong Rui commune in northern Vietnam, a totalof 670 hectares of mangroves have been restored throughthis program. This restoration has helped improve the quality and quantity of fish and other aquatic resources and hasstabilized fish hauls and harvests. Village residents use theseproducts as food and also sell these to traders as a sourceof income. Calculations show that the value of all products
and annual income of harvesters is VND 31.3 billion (approximately ¥400 million).
Local residents have also expressed their joy that theirlives have been improved and further advanced by the bounties of these mangroves.

A man carrying shellfish

A woman selling marine products

Tetsumi Asano
Staff posted to Vietnam(Deputy Representative)
Action for Mangrove Reforestation(ACTMANG)

The mangroves planted in various regions of Vietnam
have grown and are now bringing various benefits tovillage residents. For example, the mangroves serve
as natural breakwaters that mitigate the forces of wind
and waves and protect villages. Also, fish, shrimp andcrabs have increased thanks to the lush growth ofmangroves. In the past, people were rarely seen at thesite of a desolate abandoned shrimp aquaculture farm.
Although it’s only been a year since the mangroves
were planted at this site, residents of the local village
can now be seen gathering living things in this area.
Abandoned shrimp aquaculture
pond

C

O

Mangroves planted as a restored
forestL

U

M

N“PHLY 80K Trees” tree planting initiative in the United Statedcontributes to saving and restoring forests and communities.
Philadelphia Insurance Companies (PHLY), which designs, markets and underwrites commercial property/
casualty insurance products in the United States, began
the “PHLY 80K Trees” tree planting program in 2015 inspired by Tokio Marine & Nichido’s Green Gift Project.
The PHLY 80K Trees goal was reached with the helpof PHLY’s independent agents, brokers, and policyholders and PHLY renewed the program for the second
year in 2016. PHLY invited producers and policyholders to enroll into receiving paperless statements. The
company will use the cost savings to partially fund theplanting of 80,000 trees. PHLY employees also raised
money to support the initiative and about 50 employees

20

3will help plant a portion of the 80,000 trees in 2016.
In the United States, record wildfires, storms, andother natural disasters have destroyed millions of trees
in forests in recent years. PHLY is on a mission to build
healthy forests and ecosystems to provide greater security to communities.

PHLY employees who participated in tree-planting activities

Good-luck bracelets are presented both topersons donating to SON’s “Yell Fundraising”
and to athletes. These bracelets are createdwholeheartedly as a manifestation of thebonds linking three parties consisting ofdonors, athletes and the persons who makethe bracelets. Tokio Marine Group also
carries out bracelet-making volunteer
activities and in fiscal 2015 a total of
approximately 1,600 persons participated.

“We seek to create a society where all people can live witha sense of security and play active roles.” This is an aspiration shared by everybody at Tokio Marine Group. To realize this aspiration, besides undertaking our main business,
we believe that contributing to society in other ways as agood corporate citizen is also important.
For example, in sharing the Special Olympics* Nippon (SON) Foundation’s vision of “creating a society
where people with and without disabilities understandand respect each other’s differences and live and grow together,” Tokio Marine & Nichido became an official sponsor of the foundation in 2005 and has been supporting its
activities by providing funds and volunteers. Additionally,to the present a total of approximately 740 Tokio Marine
Group employees and their family members have served
as volunteers at seven Special Olympics Nippon National
Games.
In March 2015, on the occasion of becoming a Gold
Partner for the 2020 Tokyo Olympics and Paralympics,
Tokio Marine & Nichido decided to also support the Japanese Para-Sports Association. Besides supporting SON,
Tokio Marine & Nichido is providing wide-ranging support

for persons with disabilities other than intellectual disabilities with the aim of helping spread and promote enlightenment about sports for the disabled. Going forward, we willencourage agents and employees to serve as volunteers andwatch sports competitions for persons with disabilities. Also,
we plan to create more opportunities for acquiring skills
needed for communicating with persons with disabilities as
we expand our circle of support.
* Special Olympics
The Special Olympics is an international organization that holds year-round athleticcompetitions for persons with intellectual disabilities. These competitions serve as
venues that allow participants to display the results of their training in categories
corresponding to Olympic events. These non-profit activities have spread to over 175
countries and are carried out through volunteers and donations.

Activity Focus of Tokio Marine Group

Respect diversity

Nurture people21

T hem e3

Supporting People

Supporting the Special Olympics Nippon (SON) Foundation (Activity Example)

Tokio Marine & Nichido’s
Niigata Branch members
participated as volunteers at
the “Special Olympics
Nippon National WinterGames Niigata 2016.”
In February 2016, the 6th Special Olympics Nippon National Winter Games Niigata were held over a three-day
period. A total of 650 athletes and 340 officials and coaches participated in the games, which featured seven events
that included skiing, skating and floor hockey held at threevenues in Minami-Uonuma city and Niigata city. Approximately 3,000 volunteers also participated in the games.
On competition days, a total of 28 employees fromthe Tokio Marine & Nichido Niigata Branch took part asvolunteers and provided support such as preparing forthe opening ceremony, assisting athletes and readying thecompetition venues. The volunteers cheered passionatelyfrom the sidelines as they watched the high-level competitions and performances of the athletes.

The athletes and volunteers supported the gamesby playing active roles in their respective positions.
SON’s activities are operated almost entirely
through donations and the power of volunteers. Support from companies is particularly
essential because this allows us to plan our
programs from a long-term perspective. Alternatively, for companies as well, the participation of employees as volunteers provides
an excellent opportunity for acquiring a deep
understanding of persons with disabilities.
We’ve been receiving financial and human support from Tokio Marine & Nichido
for over 10 years. Insurance companies support people in times of emergencies such asaccidents and disasters, and insurance is a22business closely involved with people’s lives
as well as human life itself. I sense that Tokio
Marine & Nichido is a company with employees who have an extremely high regard
for and awareness of “human life.” Althoughcompanies must of course pursue profits,
Tokio Marine & Nichido uses a portion of
its own profits to provide various means ofsupport that ultimately help realize a stablesociety. I believe that building a virtuous
cycle in which such a stable society in turndrives the further development of companies
will lead to the creation of a better society inwhich to live for all people.

We talked with figure skate athletes during a breakin the competition. The athletes told us about
their favorite music and dances during these fun
and spirited conversations. We listened to music
together with the athletes and this inspired us.

I’d like to offer the powers of
an insurance company even in areas
outside our main business.

I gained priceless experience bothas a member of the Niigata Branch andas an individual.

Takumi Ike

Yuko Kawasaki

Niigata Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Niigata Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

We sought the cooperation of the entire Niigata Branch for the
recent Niigata competition and a total of 28 employees, led by ourbranch general manager, participated in the games as volunteers.
When taking part in volunteer activities, thinking and acting independently is important. We were able to gather many highly ambitious employees who decided on their own to volunteer.
On competition days we thoroughly enjoyed watching theevents as we dutifully performed our volunteer activities. I wastouched by the expressions of pure emotions of the athletes. In thepast, I was personally involved with SON as a member of a basketball coaching staff and I’d like to support an even wider range ofcompetition events in the future.

The Niigata Branch has supported SON up to now by making goodluck bracelets. Because the Special Olympics Japan Winter National
Games, which are convened once every four years, were scheduled
to be held in Niigata, the Niigata Branch and several sub-branches
worked as one and undertook various support preparations.
I was uplifted by the beaming smiles of the athletes who superbly
demonstrated the fruits of their hard practice. I was delighted tothink that as a volunteer I personally helped contribute to the games
even if only a little. I think there’s some high hurdles to volunteering
as an individual. However, this time I had the opportunity to participate through the company and it was a fabulous experience. I’d liketo actively join other volunteer activities in the future as well.

Yoshiko Mitsui
Chairperson
Special Olympics Nippon (SON) Foundation23

T hem e3

Supporting People

IkuBoss Initiatives

I’d like to build workplaces where each person can exert his or hercapabilities through mutual understanding and cooperation.

leave in those days, my boss arranged for me to meet andlisten to the experiences of an outside acquaintance. This
meeting provided me with some valuable lessons.
Yuuki: The company is now trying to foster a climate ofmutually recognizing diverse ways of working. The mostimportant point is that we wish to see women return towork and play even more active roles after maternity andchildcare leave. I feel strongly that it’s the job of managers
to raise motivation so that women can play such key roles.

Going beyond “IkuBosses” and creating“IkuWorkplaces” is also important.

Ichiro Yuuki (left) and Yuuki Yonenaga (right) of Production Department 1
Tokio Marine & Nichido Fire Insurance Co., Ltd.

The insurance business is called a “people’s business.” Self-reliant human resources filled with vitality along with a solidorganization are the driving forces that enable insurance companies to provide excellent products and services thatenable the further growth of the company. Tokio Marine & Nichido has begun the challenge of “transforming ways ofworking” to realize work methods with even higher productivity while promoting mutual recognition of diverse
approaches to work. As part of these efforts, we have adopted a variety of measures for realizing a work-life balance.
With an increasing number of employees dealing with child-rearing and nursing care duties, Tokio Marine & Nichido
realizes the crucial importance of transforming the awareness of managers, who bind our organization together, toachieve true changes in the ways we work. For this reason we joined the IkuBoss Alliance in February 2015.

Changing awareness of work-life balancein accordance with the times
Yuuki: I joined the company in 1994. Back then, it was
normal to work overtime and catch the last train home
and to work on Saturdays and Sundays as well. This wasduring the times when the notion of work-life balance had
Activity Focus of Tokio Marine Group

Respect diversity

24

Nurture people

yet to take hold in society. Today, however, globalization
has marched forward and the rules of work have clearly
evolved. In fact, my own thinking shifted when I wasposted in China. There are numerous husband and wife
dual-income families in China and men also actively perform housework and child-rearing. Seeing this affected
me and it was in a foreign country that I began placing
top-priority on my own family’s well-being.
Yonenaga: There was also still a lot of overtime when I
joined the company. At the time I began thinking about
having a child, I happened to work under a boss who
thought seriously about the advancement of women in
the workplace and this helped me greatly. Since almost
nobody in my workplace took maternity and childcare

Yonenaga: I still wanted to continue devoting my utmost efforts to my job when I had my first child. At thesame time, I was worried about whether I could actually
do so while raising a child. Even after I eventually returned
to work, there were times such as when my child got sickwhen I wasn’t able to perform my job to my expectations.
I later gave birth to a second child three years after the
first. I was troubled about whether it was right to take asecond maternity and childcare leave even though I nevereven worked full time after returning to work from thefirst leave. However, other women employees withchild-rearing experience encouraged me by saying, “It’sbecause you have children that you’re able make your best
efforts in doing your job.” I then came to the startling realization that working while raising children is not something that only involves challenges and that I also could
probably satisfactorily perform my job.
Yuuki: There are women in my workplace right now who
devote themselves to their jobs while raising their children
just like Yuuki Yonenaga. Such a situation has been a turning point for me and other staff members. We also havemale employees in our workplace who actively take childcare leave and it’s now becoming commonplace for themto take their child to and from nursery school. This makesme think that having “IkuWorkplaces” is even more important than just having “IkuBosses.” This is because it’s

extremely important for the entire workplace to understand the issues of child-rearing and to exercise teamwork.
Yonenaga: Mr. Yuuki encourages male employees whopick up their children at nursery schools by urging themto “Go ahead and pick up your kids without hesitation.”
He has created an atmosphere that makes it easy to for
employees to discuss their families on a regular basis. I
believe that having managers who actively convey suchencouragement in this manner will help the entire workplace understand the great difficulties of having a childand child-rearing. This will also help create an atmosphereof mutual understanding about balancing work andchild-rearing.
Yuuki: Employees lead a wide variety of lives on which
they place value. This not only includes giving birth andchild-rearing but also employees who are providing nursing
care, struggling against their own illnesses or participatingin community activities. I’d like to maintain close communication with all members of our workplace on a regularbasis and promote mutual understanding, respect and support. This will help create a workplace environment where
people can perform their jobs with high motivation andlead to the attainment of the goals of our organization.

What is the “IkuBoss Alliance”?
IkuBoss Alliance is a corporate network established by
the NPO Fathering Japan. The network recognizes theimportance of an “IkuBoss”* and strives to actively transform the awareness of company managers and nurturemanagers possessing ideals of a new generation.
*What is an IkuBoss?
These are superiors (managers and administration positions) who
consider work-life balance and support the careers and lives of theirsubordinates and staff from the same workplace. The “IkuBoss” alsoachieves results in terms of an organization’s business performance
while enabling staff to enjoy both their own work and private lives.

25

Top Message

During 2015, several regions of Japan suffered enormous
damage from wind and water-related disasters, including
Typhoon Goni and Typhoon Kilo. Furthermore, just after
the fifth anniversary of the Great East Japan Earthquake, wewere once again abruptly reminded of disaster prevention
when a major earthquake struck the Kumamoto and Oita
regions in April 2016. This earthquake has forced numerous people to endure harsh living conditions that continueeven at present. To ensure disaster victims can regain theirsafe and secure lives as quickly
as possible, employees areworking in unison with ourbusiness partners, beginningwith agents, in responding tocrises. Turning to the global situation, the successive terror incidents in Bangkok, Paris andBrussels coupled with mounting geopolitical risk in East Asia, have given people a sensethat international disputes, terrorism and other dangers arecloser to their lives than ever before.
Looking at the medium-to-long-term environment, I believe the world will witness a host of profound changes.
These of course include changes we can all see firsthand suchas frequently occurring natural disasters and declining birthrates and an aging population. Alongside these developments, new technologies such as autonomous driving technology and artificial intelligence (AI) are advancing withremarkable speed. Meanwhile, in Japan the 2020 Tokyo
Olympics and Paralympic Games, which will be major
events, are rapidly approaching.
This changing environment will undoubtedly spawn many new opportunities, but at the same time is expected tolead to new risks unforeseeable up to now. Under these circumstances, we will make unceasing efforts to be a company
indispensable throughout the world and that is chosen bycustomers by getting close to our customers and local communities and making efforts to support this challenge.
The approximately 40,000 Tokio Marine Group employees in 39 countries and regions around the world are essential for undertaking our business that involves providing
the intangible product and service of insurance. In April
2015, we started the mid-termbusiness plan “To Be a Good
Company 2017.” Under thisplan, we aim to create a goodcompany where employeeswith diverse values regardlessof their gender, age, nationality
or whether they have disabilities, as well as their families,
can live physically and mentally healthy lives and continue
to take on challenges. Although we are only at the midpoint, various initiatives under this plan have already beenrecognized. For example, Tokio Marine Holdings wasnamed by the Ministry of Economy, Trade and Industry
and the Tokyo Stock Exchange as a 2016 Health & Productivity Stock Selection and was also named a Nadeshiko
Brand for being an enterprise that is outstanding in encouraging women’s success in the workplace.
In the future as well, we aim to be a “Good Company” thatserves a useful purpose to customers and communities
around the world during their times of need and will createa safe, secure and sustainable future based on dialogue andcooperation with our stakeholders. As we work toward theseobjectives, your continued support is highly appreciated.

We aim to be
an indispensable company
that supports customers andsociety in all times of need.

Introducing Tokio Marine Holdings’ Corporate Website CSR Page
June 2016

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 report.

Tsuyoshi Nagano
President and Group CEO
Tokio Marine Holdings, Inc.

26

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

27

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