2019

Sustainability Report

CONTENTS

Sustainability Report 2019
2 Tokio Marine Group's CSR
3

Top Message

6

Tokio Marine Group’s Approach to CSR

11Relationship between Tokio Marine Group Initiatives and SDGs

14

Tokio Marine Group’s CSR Promotion Structure and Plans and Results of CSR Initiatives

20

Stakeholder Engagement ～Promoting Initiatives Together with Various Stakeholders

26

External Evaluations and Participation in Initiatives〜 Continue to be Useful to Society through Our Business Activities

33 Governance34

Corporate Governance

34

Internal Control

39

Initiatives for Building a Low-Carbon Society

43

Respect for Human Rights

48

CSR in the Value Chain

49

Creating a Society Where People Can Live with Security
through Sustainable Investments and Financing

52 Core Theme 1: Providing Safety and Security
109 CSR Management

54

Making Society Resilient to Natural Disasters

69

Building a Secure Society by Utilizing Traffic Technology Innovation

72

Building a Secure Society by Responding to Varying Lifestyles and Changes in Society

75

Eliminating Poverty in Society

78 Core Theme 2: Protecting the Earth
80

Preserving Biodiversity through Products and Services

84

Preventing Global Warming by Promoting the Development of Clean Energy

89

Building Communities for People to Live with Peace of Mind through Environmental
Protection Activities

92 Core Theme 3: Supporting People
Link to external website
PDF file open>> Link to anchor point on this Report

110

Improving Quality from the Customer’s Perspective

121

Promoting Environmental Management

128

Promoting Health and Productivity Management

133

Developing and Utilizing Diverse Human Resources

141 CSR Library
142

Overview of Group CSR Reporting143

CSR Performance Data

151

Third-Party Assurance

94

Building a Society Based on Health and Longevity to Ensure Peace of Mind

152

GRI Standards Content Index

102

Nurturing Generations Responsible for the Future

158

Recognition about ISO 26000

106

Aiming to Create a Symbiotic Society

160

Editorial Policy

1Tokio Marine Group's CSR

Tokio Marine Group's CSR

Governance

CSR Promotion Structure and Plans and Results of CSR Initiatives >>A message from Satoru Komiya, President and Group CEO.

We introduce our CSR promotion structure and CSR key items as well as the plans and results for
the CSR key items.

Core Theme 2 /Protecting the EarthTop Message >>Core Theme 1 /Providing Safety and Security

We introduce Tokio Marine Group’s CSR approach and strategies, CSR promotion structure, stakeholder engagement, plans and results, external evaluations and participation in initiatives.

Tokio Marine Group’s Approach to CSR and Core CSR Themes
We implement our corporate philosophy based on the Tokio Marine Group CSR Charter. By
identifying materiality in each of the three core CSR themes of “Providing Safety and Security,”

Stakeholder Engagement >>“Protecting the Earth” and “Supporting People,” we are working toward value creation and aim to

We introduce our structure for stakeholder engagement and include specific examples.

be a“Good Company”trusted by all people and society.

External Evaluations and Participation in Initiatives >>Tokio Marine Group will contribute to the United Nations Sustainable Development Goals (SDGs)

We introduce external evaluations as well as our participation in initiatives.

based on three activity themes.

CSR Management

Relationship between Group Initiatives and SDGs >>Core Theme 3 /Supporting People~ Continue to be Useful to Society through Our Business Activities >>CSR Library2

Tokio Marine Group's CSR

Top Message

Toward a Safe, Secure and Sustainable Future

President and Group CEO
Tokio Marine Holdings, Inc.

Industry-Academia Collaborative Research
Responding to climate change and natural disasters is a high-priority issue for Tokio Marine Group
from the perspective of enterprise risk management. Accordingly, Tokio Marine & Nichido has
been promoting research on climate change and natural disaster risk through industry-academia
collaborative research in cooperation with The University of Tokyo (since 2005), Nagoya University(since 2007), Tohoku University (since 2011) and Kyoto University (since 2012). In undertaking thisresearch, Tokio Marine & Nichido strives to ascertain details of forecasts for damage caused byany natural disasters that could possibly occur in the future in order to share the outcomes of thisresearch with society and promote disaster prevention awareness and education.
Going forward, we will continue and enhance industry-academia collaborative research and strive toutilize our research outcomes for sophisticating hazard maps in local communities and for other uses
to raise safety and security in regional communities.

Participation in International Initiatives
To raise the resilience of society as a whole to natural disasters and contribute to problem-solving
in time of disaster and mitigating damages, Tokio Marine Group participates in the United Nations

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Tokio Marine Group believes corporate social responsibility (CSR) is synonymous with theimplementation of our Corporate Philosophy and that promoting efforts to solve societal issues willlead to the Group’s sustainable growth. Under our Mid-Term Business Plan “To Be a Good Company
2020,” we have set “Providing Safety and Security,” “Protecting the Earth” and “Supporting People” asour core CSR themes and are working to solve social issues through the participation of all employees
globally. Our ever more self-motivated employees will act with integrity and compassion, and as thisspreads throughout organizations and the entire Group, we believe that it will create a virtuous cycleof developing innovative products and services along with contributing to local communities andsociety as we work toward the creation of a sustainable future and to contribute to the attainment of
the SDGs. By implementing these initiatives, we aim to become a “Good Company” that is trusted by
all people and society.

CSR Management

Creating Value through Products and Services
Tokio Marine Group strives to quickly provide security to customers and communities throughinsurance and various services when disasters or accidents occur. Tokio Marine Group has begun
distributing to customers personalized videos with customized information on necessary insurance
in preparation for disasters. Tokio Marine Group provides its corporate customers with expert advice
to expedite business resumption and assist corporate customers in designing optimal business
continuity plans (BCP). Tokio Marine & Nichido also offers the products that provide safety andsecurity to people who had not necessarily been insured. These products include One Day Auto
Insurance, which is aimed at reducing auto accidents involving uninsured drivers by encouraging
young drivers who do not own vehicles to sign up for insurance. Tokio Marine & Nichido is moving
ahead in offering products and services that meet changes in customer needs and social issues. These
include Drive Agent Personal, which ensures smooth responses when an accident occurs by using
Tokio Marine & Nichido’s original driving recorder, as well as “Cyber Risk Insurance,” which responds toa variety of security needs.

Core Theme 3 /Supporting People

Recent years have witnessed frequent occurrencesof major natural disasters, and Tokio Marine Group is
working as one to provide support in these disasterstricken regions, beginning with our on-site customer response. Moreover, amid breathtaking
changes unlike those seen in the past such as shifting demographics and the dramatic advance oftechnologies, companies are being asked to contribute even more to the creation of a sustainable
society. The United Nations Sustainable Development Goals (SDGs) are attracting attention andthere are expectations that companies together with governments and municipalities, non-profit
organizations (NPOs) and citizens will contribute to the attainment of the SDGs. Our important role
as a company is to cherish the bonds of trust we have built to the present with customers and society
while meeting the expectations of a continuously evolving society. Tokio Marine Group will discover
new opportunities within these changing times.

Core Theme 2 /Protecting the Earth

In August 2019, Tokio Marine Group celebrated the 140th
anniversary of its founding. Since our founding in 1879,
we have set customer trust as the starting point of all
our activities and have supported customers and society
in times of need and continuously helped them meetchallenges that take a new step forward. This is both ourrole and mission. By building up the trust of customers
across the world, we have achieved steady growth
and this spirit continues to be handed down today
throughout the Group.

Core Theme 1 /Providing Safety and Security

It is necessary to develop appropriate risk management solutions and build safe and securecommunities to mitigate damages from natural disasters and other causes and to respond to risinggeopolitical risks. To ensure it can properly support customers and society even amid these changes,
Tokio Marine Group provides safety and security throughout all its business activities. This includes
carrying out industry-academia collaborative research, offering a variety of products and services,
participating in international initiatives, continuously supporting reconstruction of disaster-stricken
regions in collaboration with partners and conducting on-site Disaster Prevention Lessons for school
children.

Satoru Komiya

Governance

Providing Safety and Security

Environmental Awareness and Education
Tokio Marine Group promotes an array of environmental awareness and education activities that
include Green Lessons that teach elementary school children about global environmental protection
while enjoying mangrove-related themes. We also hold the Children’s Environmental Award programthat solicits essays and paintings from children across Japan and recognizes the winners. Other
activities include holding the Marunouchi Citizens Environmental Forum, a social and environmental
awareness seminar.

Supporting People
The insurance business has been called a “people’s business.” For those of us who handle theintangible product of insurance, our employees and the trust built between people are everything.
Valuing and continually supporting people are essential for Tokio Marine Group to earn the trust of all
people and society, achieve sustainable growth and continuously create value for society. Therefore,
Tokio Marine Group will make efforts to support a diverse range of people with initiatives that include
creating value through products and services, promoting awareness and education for children who
are responsible for the future of the earth and creating a symbiotic society by supporting the elderly,
persons with disabilities and athletes.

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Promoting Environmental Management—Reducing CO2 Emissions and Becoming Carbon Neutral
Tokio Marine Group promotes such initiatives as conserving electricity and energy, raising businessefficiency by using tablet devices and promoting paperless operations. At the same time, theentire Group (consolidated basis) achieved carbon neutral status*2 in fiscal 2011 as well as in the six
consecutive years from fiscal 2013 to fiscal 2018 by offsetting the CO 2 emissions generated by its
business activities with CO2 absorption and fixation through means such as the Mangrove Planting

CSR Management

Creating Value through Products and Services
Tokio Marine Group is taking the knowledge in health management cultivated through its businesses
and applying this at companies as insurance solutions and providing products to customers that
support healthy and secure lives. Examples of such products include products related to “Life
Insurance Revolution to Protect One’s Living” that respond to needs associated with longer lifespans
accompanying the declining birth rate and aging population and Aruku Hoken that uses wearable
devices with the concept of preemptively protecting customers from illness. In India, we provide
weather insurance and microinsurance targeting farmers and low-income earners who suffer frompoverty.

Core Theme 3 /Supporting People

Creating Value through Products and Services
Tokio Marine & Nichido initiated the Green Gift Project *1 in 2009 based on the concept of“implementing environmental protection activities together with customers,” and this project
has been the driving force for mangrove planting. In October 2013, the scope of this project was
expanded to include natural conservation activities throughout Japan. In this manner, we aresupporting environmental protection activities in Japan and abroad as a member of society together
with residents in each community. In October 2016, we changed the name of these environmental
activities in Japan to the Green Gift Planet GENKI Program. In doing so, we aim to carry out activities
that are close to our customers and local communities and make further efforts to promote
environmental protection. The Group’s initiatives for protecting the earth’s environment through our
main businesses also extend across various nations. As one example, in 2015 U.S.-based Philadelphia
Insurance Companies (PHLY) newly commenced the “PHLY 80K Trees” tree-planting program, which
contributes to disaster prevention and mitigation in areas with frequent forest fires, inspired by Tokio
Marine & Nichido’s Green Gift Project.

Core Theme 2 /Protecting the Earth

There are hopes that initiatives will be implemented such as for solving environmental and energy
problems, preserving biodiversity, ecosystems and wetlands and creating a sustainable recyclingoriented society. Tokio Marine Group undertakes environmental protection activities in Japan andoverseas through its products and services together with its customers and NGOs. Additionally, Tokio
Marine Group has implemented the ISO 14001 environmental management system and our uniqueGreen Assist environmental management system to continually work to reduce the environmental
footprint in our business activities. Tokio Marine Group will continue to promote a variety of
initiatives for protecting the earth.

Core Theme 1 /Providing Safety and Security

Protecting the Earth

Governance

Our Passion Embodied in Mangrove Planting
This year the Mangrove Planting Project marked its 21st year following its launch in 1999 together
with an NGO involved in tree planting. It has now become a project that symbolizes the Group’s
CSR with the participation of Group employees in domestic and overseas volunteer tree-planting
tours. As of the end of March 2019, a total of 10,930 hectares of mangrove forest have been planted,
which in fiscal 2018 absorbed and fixed 150,000 tons of CO2, having generated total economic
value exceeding 118.5 billion yen and brought positive effects to the mangrove forests and theapproximately 1.41 million people living in the surrounding regions. Mangroves play a diverse rangeof roles. These include mitigating the advance of global warming by absorbing and fixing CO 2,
preserving biodiversity and serving as a habitat and cradle of life for shellfish, shrimps, crabs and fish,
and also functioning as green levees that protect communities from tsunamis and storms. Mangroves
also provide fishery, forestry resources and other resources indispensable to the lives of residents
in local communities and contribute to stabilizing and improving standards of living. Tokio Marine
Group aims to continue the Mangrove Planting Project, which serves as “insurance for the future of
the earth,” for 100 years.

Earthquake Reconstruction Support and Disaster Prevention Awareness and Education
Tokio Marine & Nichido is continuing to provide support to the Tohoku Region affected by the Great
East Japan Earthquake through a variety of activities that include support of the Ten-Year Restoration
Project of the Coastal Forests of Tohoku Region, volunteer reconstruction support activities by
employees and agents in affected areas and offering lunch menus from disaster-stricken regions at
employee cafeterias with charitable donations. These support efforts are driven by our determination
to “never forget the event at any cost and continue to do whatever we can do even in any smallway.” Additionally, to ensure future generations are prepared for the next disasters and can protect
themselves, Tokio Marine & Nichido also actively holds Disaster Prevention Lessons conducted by
employees who visit schools as volunteer instructors targeting mainly elementary school children.

Tokio Marine Group's CSR

Project and acquisition of Tradable Green Certificates. In the future as well, Tokio Marine Group willcontinue efforts to reduce CO2 emissions and to realize carbon neutral status.

Office for Disaster Risk Reduction (UNDRR) Private Sector Alliance for Disaster Resilient Societies(ARISE) as well as in ClimateWise and The Geneva Association Climate Change and Emerging
Environmental Topics working group, as we make efforts to promote global disaster prevention.

Stock Exchange as a Nadeshiko Brand for fiscal 2018.

Tokio Marine Group also enhances CSR/ESG information disclosure, which includes the publicationof its Integrated Annual Report mainly targeting investors in August 2019 as it communicates its
initiatives for the Group’s sustainable value creation. I hope that the Tokio Marine Group Sustainability
Booklet 2019 “Together into the Future,” which explains the Group’s CSR story in an easy-tounderstand manner, along with the 2019 Sustainability Report, which provides a detailed explanationof CSR strategies together with data, are helpful in enhancing your understanding of Tokio Marine
Group’s initiatives toward ESG.

September 2019

*1 Green Gift Project: This project offers customers an option to choose web-based insurance contracts (clauses) on our
website rather than paper-based contracts in brochure 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.
*2 Carbon neutral means that CO2 emitted in the course of a company’s business activities is equivalent to the converted
volume of CO2 reduced by the use of natural energy and the acquisition of emissions credits by such a company and absorbed
and fixed by way of mangrove planting.

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Tokio Marine Group will continue responding to environmental, social and governance (ESG) issues aswell as continue to be a company that serves a useful purpose during times of need. Accordingly, we
have defined our Diversity Policy as the creation of an environment that enables employees, who are
working to solve social issues worldwide, to play active roles regardless of their nationality, gender,
age or whether they have disabilities to further raise corporate value and realize sustainable growth.
We will implement the Diversity Policy to promote diversity across the entire Tokio Marine Group.
Although only at the midpoint, a variety of our initiatives have already been recognized. For example,
Tokio Marine Holdings was selected by the Ministry of Economy, Trade and Industry and the Tokyo

CSR Management

Tokio Marine Group supports and respects the Universal Declaration of Human Rights, OECD
Guidelines for Multinational Enterprises, ILO Core Labour Standards, UN Guiding Principles on
Business and Human Rights, as well as ISO 26000. Tokio Marine Group endorsed the United Nations
Global Compact (UNGC) in 2005 and has promoted initiatives based on the UNGC’s ten principles
in the areas of human rights, labour, the environment and anti-corruption. We also place great
importance on the social role and responsibilities that the insurance industry is expected to fulfill,while Tokio Marine & Nichido is a signatory to the Principles for Sustainable Insurance (PSI) advocatedby the United Nations Environment Programme Finance Initiative (UNEP FI) and is undertaking
initiatives to create a sustainable society through its insurance business. Additionally, Tokio Marine
Asset Management and Tokio Marine & Nichido are signatories to PSI supported by the UN, and arealso contributing to creating a sustainable society through investments.

Core Theme 3 /Supporting People

Tokio Marine Group is a global insurance group with a dedicated, energetic and proactive workforce
and organization, which is the wellspring of its competitiveness in each country and region and a
crucial asset for contributing to the development of a sustainable society. My mission is none otherthan to make Tokio Marine Group a “Good Company” that works to resolve issues facing society andearns the widespread trust of its customers and society. This can only be achieved by harnessing
the comprehensive power of the Group together with its employees in Japan and overseas andinteracting and cooperating with its various stakeholders.

Strengthening CSR Management

Core Theme 2 /Protecting the Earth

Support for the Elderly, Persons with Disabilities and Athletes by Creating a Symbiotic Society
Tokio Marine Group supports the creation of a society where the elderly can live with a sense of
security and where persons with disabilities can overcome their disabilities to play active roles.
Examples of this support include conducting courses for employees to foster dementia care
supporters, providing support for the Special Olympics through volunteers from Group companies inJapan and overseas, and supporting the Japan Deafblind Association. Additionally, since 2016 Tokio
Marine Group has been supporting the Japanese Para-Sports Association and the Japan Inclusive
Football Federation. Through initiatives in which employees “learn about,” “watch” and “experience”
sports for persons with disabilities, we aim to promote the further spread and development of sports
for persons with disabilities and thus help create a symbiotic society.

Core Theme 1 /Providing Safety and Security

With the aim of fostering a corporate culture in which each and every employee strives to solve
social issues as his/her own issue and ensure this helps raise corporate value and create social
value, the “Tokio Marine Group CEO Recognition for CSR” was established in 2015 and commends
and announces outstanding CSR initiatives by Group companies and their employees in Japan andoverseas. By promoting CSR with the participation of all employees, in fiscal 2018 the employee
participation rate (total) in community social contribution activities for Tokio Marine Group(domestic) was 135%. We therefore achieved the fiscal 2018 annual target of 100%.

Governance

Based on the concept that “health and productivity management is the starting point for creating
a “Good Company,” Tokio Marine Group formulated the Tokio Marine Group Wellness Charter andis creating mechanisms that enable customers and employees to live healthily both physically andmentally. These efforts were widely recognized and Tokio Marine Holdings was selected as a “2019Health & Productivity Stock” (fourth consecutive year since 2016) by the Ministry of Economy, Tradeand Industry and the Tokyo Stock Exchange.

Tokio Marine Group's CSR

For Children, Who Will Lead the Future of the Earth
Tokio Marine Group undertakes a variety of initiatives for children, who will lead the future of theearth. For example, Tokio Marine & Nichido is promoting youth development through a variety of
programs. These include developing junior swimmers through support of the Japan Swimming
Federation; helping young people grow, encouraging international cultural exchange and promoting
sports in the local community through the Tokio Marine Kagami Memorial Foundation, Tokio Marine& Nichido Educational Development Fund and the Tokio Marine Sports Foundation; and providing
support for the education of girls in low-income communities in India and Bangladesh via the nongovernmental organization (NGO) Room to Read. Through Group Work on Managing Risks andOpportunities, a career education program for junior high school and high school students, Tokio
Marine & Nichido is also providing them with Group Work on Managing Risks and Opportunities led
by employees who are dispatched to schools and are accepting these students for company visits. In
the future as well, Tokio Marine Group will promote initiatives for children, who will lead the future.

■ Tokio Marine Group Corporate Philosophy
With customer trust as the foundation of all its activities, Tokio Marine Group continuously strives toraise its corporate value.

Tokio Marine Group's Approach to CSR

Governance

Aiming to Be a “Good Company” Trusted by All People and Society
Our basic approach to being a “Good Company” is to be “a company trusted by all people and society
by supporting customers and society in times of need.”

Tokio Marine Group's CSR

Tokio Marine Group's Approach to CSR 〜 Continue to be Useful to Society through Our Business Activities

Core Theme 1 /Providing Safety and Security

Tokio Marine Group has provided “safety and security” to society and contributed to its developmentby making the most of its abundant knowledge and experience accumulated over the years in theinsurance industry. In the future as well, we will work to solve various social issues and continuously
raise the Group’s corporate value while contributing to a safe, secure and sustainable future. By doing
so, we aim to become a “Good Company” that is trusted by all people and society.
Executing Our Corporate Philosophy Based on the Tokio Marine Group CSR Charter
For Tokio Marine Group, CSR represents the implementation of the Corporate Philosophy. In keepingwith the Tokio Marine Group CSR Charter, which serves as behavioral guidelines for implementing
CSR, all our self-motivated employees will continually act with integrity and compassion using theirunique ideas to provide stakeholders with even better value.

■ Tokio Marine Group CSR Charter
Tokio Marine Group is committed to fulfilling its Corporate Social Responsibility (CSR) by
implementing its Corporate Philosophy to achieve sustainable growth together with thedevelopment of society in accordance with the following principles:

CSR Management
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6

Core Theme 3 /Supporting People• Products and Services
We aim to provide society with products and services to meet its needs for safety and security.
• Respect for Human Rights and Dignity
We respect and actively promote the recognition of human rights.
We strive to ensure an energetic working environment that is both safe and healthy and to promote
training and education of our employees.
We respect the right to privacy and strive to enforce sound information management and control.
• Protection of the Global Environment
Acknowledging that the protection of the global environment is an important responsibility for
all corporate entities, we respect the harmonization with and the improvement of the global
environment in all of our activities.
• Contribution to Local Communities and Societies
As a member of various communities and societies, we respect the diversity of cultures and customs
and we aim to contribute actively to the needs of the current era.
• Compliance
While striving to maintain high ethical standards at all times, we will pursue strict compliance in all
aspects of our business activities.
• Communication
We intend to disclose information timely and appropriately and to promote dialogue with all our
stakeholders to ensure effective corporate management.

Core Theme 2 /Protecting the Earth

Respect for International Codes of Conduct and Human Rights
Tokio Marine Group supports and respects the Universal Declaration of Human Rights, OECD
Guidelines for Multinational Enterprises, ILO Core Labour Standards, UN Guiding Principles on
Business and Human Rights, as well as ISO 26000. The ideas and contents of the ten principles
concerning human rights, labour, the environment and anti-corruption advocated by the United
Nations Global Compact (UNGC) coincide with Tokio Marine Group’s own approach to CSR as well as
its CSR Charter. Therefore, Tokio Marine Holdings has been participating in the UNGC since 2005.

◉ Core Theme 1：Providing Safety and Security

Value Creation

Providing safety and security to customers, local communities and society worldwide
through the insurance business◉ Core Theme 2：Protecting the Earth
The global issues of “climate change and natural disasters” and “depletion of biodiversity and wetlands” poseserious risks for the children not only of today but also of the future and at the same time have a significant
impact on the business of Tokio Marine Group.

Value Creation

Contributing to a Sustainable Global Environment◉ Core Theme 3：Supporting People

Tokio Marine Group has set “Supporting People” as a core CSR theme in order to take up the challengeof resolving these issues. To this end, we will promote local community and social contribution activities
supporting people through the growth of young people and support the elderly, persons with disabilities andathletes as well as contribute to the realization of a symbiotic society in which everyone can live with peace ofmind by promoting diversity and inclusion.
Value Creation

7

Supporting Local Communities and Society and Creating an Inclusive Society

CSR Library

Accordingly, we have been implementing
CSR activities across a wide range
extending from the provision of products
and ser vices to corporate citizenshipactivities. We will also communicate ourprincipal CSR initiatives to society throughthis Sustainability Report while also
promoting easily understandable measures
to permeate these initiatives within theGroup.

CSR Management

In Japan, the importance of responding to the nursing and health needs of the elderly is increasing due tothe low birth rate and aging society. There is also growing demand to create societies in which people inunderprivileged circumstances and those with disabilities can live with peace of mind in the community as
economies and societies become more sophisticated and globalization progresses. In addition, there are calls
for the acceptance, promotion and utilization of diversity in such areas as gender, age and nationality. On a
global scale, the reality is that there is growing income disparity, increasing unemployment among youth,
poverty and unequal opportunities for education based on gender.

Core Theme 3 /Supporting People

Tok io Marine Group has set the threecore CSR Themes of “Providing Safety
and Security,” “Protecting the Earth” and“Supporting People” under its Mid-TermBusiness Plan “ To Be a Good Company
2020” (FY2018 – FY2020). Initiatives toaddress social issues are being promotedwith the participation of all employees
based on these core themes.

Core Theme 2 /Protecting the EarthHaving set “Protecting the Earth” as a core CSR theme, Tokio Marine Group works to provide products
and services that are designed to mitigate or adapt to climate change and protect biodiversity, reduce
environmental footprint in business activities, become carbon neutral, conduct environmental protection
activities in Japan and overseas, and promote environmental awareness raising and education. Our aim is tocontribute to preservation of the global environment and the creation of environmental value.

Addressing Social Issues Based on Three Core CSR Themes with theParticipation of All Employees

Core Theme 1 /Providing Safety and Security

To protect customers and society from these risks, Tokio Marine Group has selected “Providing Safety andSecurity” as one of its three CSR core themes and is making efforts toward a safe, secure and sustainable future
throughout its entire business operations.

Governance

The world is now facing various social issues, inflicted by frequent large-scale natural disasters, demographic
shifts, income disparities and poverty. In Japan as well, issues are becoming prevalent also in relation
with technological innovation as well as community resilience (disaster prevention and mitigation) andthe country’s declining birth rate and aging population. These issues may induce drastic changes in risks
surrounding the insurance business.

Tokio Marine Group’s self-motivatedemployees ac t with integr it y andcompassion, and as this spreads
throughout organizations and theGroup, we believe that it will createa virtuous cycle of developing
innovative products and services alongwith contributing to local communities
and society. Moreover, this cycle willlead to the sustainable growth of theGroup. These efforts will serve as abridge to our children and to future
generations as we seek to transformrisks into opportunities and create
value for a safe, secure and sustainable
future.

Tokio Marine Group's CSR

Tokio Marine Group's CSR Approach in Aiming To Be a “Good Company”

Tokio Marine Group uses the following process to implement the “Disclosure 102-46: Defining
report content and topic Boundaries” in “Global Reporting Initiative (GRI) Standards.”

Accordingly, as initiatives serving as the basis of such a management structure, Tokio Marine Groupis making efforts for compliance, fraud prevention, information security, privacy, respect for humanrights, CSR in the value chain and sustainable investment.

Value Chain and CSR Issues >>Stakeholder Engagement >>CSR Library (Related Materials) Tokio Marine Group’s CSR Materiality >>Through these initiatives, Tokio Marine Group will meet the expectations of stakeholders, beginningwith continuously enhancing shareholder value.
Value Creation◉ CSR Management
Tokio Marine Group is implementing initiatives throughout its entire business activities that arefocused on its three core CSR themes and to earn the trust of all people and society and achievesustainable growth it must strengthen CSR management with the aim of becoming a “Good
Company.” Tokio Marine Group is promoting CSR management from the four perspectives ofcustomers, the environment, health and human resources.
Value Creation*Tokio Marine Group classified G4 “Material Aspects” into “CSR Materiality (Material Issues)” and “CSR Issues
Subject to Disclosure.”

Developing Employees and Partners Who Bring a Virtuous Cycle

Group Core CSR Themes and Materiality ~What Types of Issues Are We Addressing?~
With the adoption of the Sustainable Development Goals (SDGs) in September 2015, there are rising
expectations that companies will work toward realizing an even more sustainable and highly resilient
world. In collaboration with stakeholders, Tokio Marine Group is leveraging its expertise and knowhow in insurance and risk management to contribute to the resolving of various societal issues that
include the frequent occurrence of large-scale natural disasters, shifting demographics, the changing
environment resulting from technological innovation and poverty.

Stakeholder Engagement (CSR Dialogue) >>8

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4. Review
The CSR Board, which consists of presidents of major Group companies, periodically reviews thestate of initiatives for CSR Materiality (Material Issues). Third-party assurance will be obtained
from an independent external verification authority for core CSR themes and information will be
disclosed in the Sustainability Report.

Tokio Marine Group’s CSR Materiality (Material Issues)
Tokio Marine Group identified CSR issues for each of the three core CSR themes and governance andspecified their CSR materiality (material issues). We will promote initiatives by reflecting the identified
CSR materiality in the Group’s CSR strategy and CSR targets.

CSR Management

3. Confirming the Validity of Material Issues
The comprehensiveness of CSR issues subject to examination, the relevance to core CSR themes,
CSR Materiality (Material Issues) and the validity of CSR issues subject to disclosure are confirmed
at CSR dialogues (meetings for dialogue and opinion exchanges between experts and Groupmanagement) and ultimately the approval of management is obtained.

Core Theme 3 /Supporting People

Value Chain and CSR Issues >>Stakeholder Engagement >>CSR Issues and Responses to a Changing Business Environment Surrounding the Group >>Core Theme 2 /Protecting the Earth

2. Prioritization of Issues
Tokio Marine Group identified Group CSR initiatives by analyzing “Feedback from stakeholder
engagement (CSR dialogue) with customers, shareholders, investors, employees, agents,
business partners, local communities and societies,” “CSR issues and responses to a changing
business environment surrounding the Group,” and “Relation to Tokio Marine Group’s corporate
principle and management vision” from the dual perspectives of “significant impact on
stakeholder evaluations and decision-making (impact on stakeholders)” and “significant impactof organizations on the economy, the environment and society (impact on business)” and thenidentified the priority of material CSR issues and CSR issues subject to disclosure.

Continuously Enhancing Shareholder Value

Core Theme 1 /Providing Safety and Security

1. Identifying Related Issues
The Group identified CSR issues that are subject to examination giving consideration to waysof contributing to CSR issues unique to the insurance and financial businesses and meeting the
expectations of stakeholders in the future. In this examination, we analyzed the Group’s value
chain and identified CSR issues in each core theme giving consideration to stakeholder interestsand expectations brought up during stakeholder engagement.

Governance

Tokio Marine Group is implementing initiatives throughout its entire business activities that arefocused on its three core CSR themes. To earn the trust of all people and society and achievesustainable growth, Tokio Marine Group must raise the quality of initiatives for “business strategies,”“governance” and “social responsibility” and build a structure for resilient, highly sound andtransparent management as a global insurance group.

Tokio Marine Group's CSR

Process for Identifying Tokio Marine Group’s CSR Materiality◉ Governance ~A Resilient, Highly Sound and Transparent Management Structure~

● CSR Materiality (Material Issues)○ CSR issues subject to disclosure* CSR issues are underlined

Governance － Strengthening CSR Management
Continuously enhancing shareholder value● Enterprise Risk Management (ERM）● Corporate governance/Internal control● Strengthening of international supervisory
regulations

Principal Stakeholders in the Value Chain
CSR Core Theme

Employees(Group Activities)● Providing
sustainable products
and services beneficial
for safety and security● Providing products
and services beneficial
for safety and security● Providing
products and services
beneficial for safety
and security● Products andservices beneficial fordisasters, safety andsecurity, and an aging
society● Climate change
and natural disasters
research● Local communityand social contribution
activities that realize
security and safety● Raising brandstrength by promoting
ESG in the provision of
products and services● Responding tocustomer needs
and changes inrisk resulting fromvarious technologicalinnovation● Promoting ESG
in the provision of
products and services
in collaboration withbusiness partners● Insurance that
responds to lowbirth rates andaging societies, andchanging population
demographics● Promoting ESG
in the provision of
products and services
to respond to poverty○ Promoteunderstanding ofproducts and services
through consumer
education○ Promoteunderstanding ofproducts and services
through consumer
education● Protection of the
global environment
through the provisionof environmentfriendly products● Protection of the
global environment
through the provisionof environmentfriendly products● Protection of the
global environment
through the provisionof environmentfriendly products● Local communityand social contribution
activities realizing
protection of the
global environment● Protection of the
global environment
through the provisionof environment-friendly
products● Improve businessefficiency throughinformation
systems that utilize
technologicalinnovation● Insurance productsthat respond toclimate change andnatural disasters● Social contribution
activities that deterclimate change andnatural disasters○ Reduction ofenvironmental
footprint and achievecarbon neutral status○ Reduction ofenvironmental
footprint and achievecarbon neutral status● Promoting ESG
in the provision of
products and services
by promoting
business partner
environmental
protection● Insurance products
for responding toclimate change andnatural disasters

Core Theme 2
Protecting the EarthContributing to asustainable global
environment

Core Theme 3
Supporting People

Click the image to enlarge
CSR Issues and Responses to a Changing Business Environment Surrounding the GroupWe expect the insurance business environment to change significantly over the medium to long term
due to a number of factors including the unprecedented pace of technological development, more
frequent natural catastrophes, demographic shifts in the Japanese market and an increase in global○ Consumer
education throughthe promotion of Web
clauses● Human resources
developmentthat responds
to technologicalinnovation● Human resources
developmentthat responds
to technologicalinnovation○ Consumer
education through aninsurance guidebook○ Labor practices that
promote the health of
employees○ Fair labor practices
that emphasize
dialogue aimed atpromoting the health of
employees● Local communityand social contribution
activities that
support youth, theelderly, persons withdisabilities and athletes

By proactively grasping these changes in the environment, we plan to refine our business strategy
and advance our business platform that supports the creation of corporate value. Furthermore, byoffering solutions to issues faced by stakeholders arising from changes in the business environment,
we will provide safety and security to our stakeholders while striving to raise the competitiveness of
the Group.

● Develop youth
to respond to lowbirth rates andaging societies,
and population
demographics

From such a perspective, we analyzed and prepared responses to CSR issues and changes in thebusiness environment surrounding the Group to deepen discussion of ways to resolve issues faced bystakeholders arising from changes in the business environment from the perspective of CSR matters.

○ Promote health inlocal communities byencouraging healthexaminations

With these prepared responses serving as a starting point, we will further sophisticate our CSR
activities.

9

CSR Library● Provide customer
support that responds
to technologicalinnovation such as
web-based sales

oversight and regulation.

CSR Management

Developing
employees andpartners who
support and bring avirtuous cycle to local
communities andsociety○ Promote healthin local communities
through sports
promotion● Promoting ESG
in the provision of
products and services
by maintaining good
● Human resources
working conditions at
development that aims business partners
for realizing a company
that develops the top“people” in Japan● Local communityand social contribution
activities that address
low birth rates and aging
societies, and population
demographics

Tokio Marine Group CSR Materiality (Material Issues) Matrix

Core Theme 3 /Supporting People● Promotion of diversity ● Promotion of theand inclusion
Group’s diversity andinclusion

Customers○ Anti-corruption○ Evaluation of human rights
and anti-discrimination○ Grievance resolution

Core Theme 2 /Protecting the Earth

Shareholders andInvestors● Changes in the global economy
and financial environment● Generate and distribute economic
valueCore Theme 1 /Providing Safety and Security

Providing safety andsecurity to customers,
local communities
and society worldwide
through the insurance
business

Local Communities
and Societies,
Research Institutes

GovernanceCore Theme 1
Providing Safety
and Security

Insurance Agentsand Business
Partners

Tokio Marine Group's CSR

Value Chain and CSR Issues

Core theme

Stakeholders

Shareholders

Employees, Insurance
Agents and Business
Partners

Customers

Research on climate change and natural disasters (Disaster, accidents,
microinsurance)
Insurance products responding to climate change and natural disasters(Disaster, accidents, microinsurance)

Providing
SafetyandSecurity

Instill the necessity of preparation for increasing natural disasters incustomers (Consumer education)
Respond quickly to claims payments at occurrence of disasters (Grievanceresolution (Quality improvement of products and services))

Stakeholders

Employees

Responding to customer needs and changes in risk resulting from various
technological innovation (Human resources development)

Customers

Provide customer support that responds to technological innovation such as
web-based sales (Grievance resolution (Quality improvement of products andservices))

Employees

Importance of IT and necessity of information security (Human resources
development)
Improve business efficiency through information systems that utilize
technological innovation (Quality improvement of products and services)(Information security)

Shareholders

Impact on business processes, including sales and after-sales service andcustomer information gathering (Corporate governance/Internal control,
Enterprise Risk Management）

Insurance Agents
andBusiness Partners

Being able to differentiate product and service quality and maintain thecorporate brand (Generate and distribute economic value)

Investment

Importance of information security due to insurance sales through websites
Further respect of market regulations (Information security)

There is a rising need for casualty insurance due to the frequent occurrencesof major natural disasters (Disaster, accidents, microinsurance)
Supporting People

Businesses that accelerate developing clean energy (Development of clean
energy)Local Communities
and Societies

Accumulation of information regarding disaster prevention and appropriate
action in the case of a disaster (Disaster prevention, traffic accidents)

Employees, Insurance
Agents and Business
Partners

Reduction of environmental footprint through products and services (Global
environment protection activities (Biodiversity))

Local Communities
and Societies

Climate change, natural disasters and depletion of biodiversity
Global environment protection activities (Biodiversity) (Environmental
protection activities in local communities)

Shareholders

Response to impact on the insurance business of issues such as the frequent
occurrences of major natural disasters and the creation of communities
with strong resilience to disasters (Enterprise Risk Management, generateand distribute economic value)

Insurance Agents andBusiness Partners

Pressure by institutional investors on company climate change strategy
over its value chain and the implementation of effective initiatives (Supplierenvironmental and social assessment)

Investment

Investment for promoting clean energy and investment for promoting ESG
management (Sustainable investment)

GovernanceandCompliance

Corresponding actions (Materiality)

Changes in the Global Economy and Financial Environment

Acceptance, promotion and utilization of diversity in such areas as gender,
age and nationality (Diversity and inclusion)
Employees

Customers

Insurance Agents
andBusiness Partners

Investment risk due to low interest rates, decrease in investment returns (Generateand distribute economic value)

Customers

Intensifying competition in providing services due to the increasingly unclear
behavior of customers and deregulation (Grievance resolution (Quality
improvement of products and services))

Aging of customers (Medical treatment, household economy and longevity(Integrated insurance services relating to health))
Increase in nursing care and health needs (Promote health in local
communities)

Local Communities
and Societies

Increasing unemployment rates for young people, poverty and inequalities
in educational opportunities (Developing youth)

Shareholders

The form of insurance will change due to a rise in one-person households
and the aging of society (Corporate governance/Internal control, Enterprise
Risk Management）

CSR Library

GovernanceandCompliance

GovernanceandCompliance

Investment risk due to low interest rates, decrease in investment returns (Corporate
governance/Internal control, Enterprise Risk Management)

CSR Management

Supporting People

Address labor shortage due to the aging of society, secure and develop
young workers
Implement initiatives for Health and Productivity Management (Labor
practices)

Shareholders

Core Theme 3 /Supporting People

Changing Market Structure Accompanying Shifting Population Demographics in Japan

Core Theme 2 /Protecting the Earth

GovernanceandComplianceCore theme

Core Theme 1 /Providing Safety and Security

Protecting
the Earth

Corresponding actions (Materiality)

Governance

Providing
SafetyandSecurity

Changes in Customer Needs and Risk due to Diverse Technological Innovation

Tokio Marine Group's CSR

Climate Change and Increase in Natural Disasters

10Tokio Marine Group's CSR

Relationship between Tokio Marine Group Initiatives and SDGs
Tokio Marine Group provides various products and services and is undertaking CSR initiatives relatedSDGs, as detailed below. Tokio Marine Group will strive to contribute to the attainment of the SDGs
in accordance with the activities of each core theme. Tokio Marine Group regards the relationshipindicated below.

Tokio Marine Group’s Principal Initiatives to Achieve SDGs
17 SDG goals

1. No poverty(End poverty in all its forms
everywhere)

Providing value
through products and services

Providing value
through other means•Weather insurance and microinsurance in India•Microfinancing fund•Research on climatechange and natural
disaster risk throughindustry-academia
collaborative research•Weather insurance and microinsurance in India•Sustainable menu at
employee cafeteria•Pandemic derivatives•Participation indemonstration tests
on public roads forautonomous vehicles•Pandemic derivatives•Empowering female
employees•Promoting activeroles for older
employees•Promoting global
human resources
strategy•Promoting theemploymentof persons withdisabilities

1.5

○

2.3

○

2.4

○

5. Gender equality(Achieve gender equality andempower all women and girls)

6. Clean water and sanitation(Ensure availability and sustainable
management of water andsanitation for all)

3.6

○

○

○

5.1,5

3.3,4,d7. Affordable and clean energy(Ensure access to affordable,
reliable, sustainable and modern
energy for all)

3.8,d

11

•Green Gift Planet GENKI
Program/Mangrove Planting
Project•Insurance for environmental
liabilities and soil purification•Green Lessons•Mega-Solar Package Program•Impairment Liability Coveragefor Geothermal Power
Generation Operators•Insurance products forrenewable energy (solar, wind,biomass, geothermal, hydraulicpower) operators•Asante environment-conscious
auto insurance (Nisshin Fire &Marine Insurance)•Risk seminars and insurance
design related to offshore wind
power generation•Insurance design for scrubbers(desulfurization equipment)•Auto insurance eco
mark certification•Promoting the use ofrecycled automobile
parts

○

6.6,b

○

7.1,2,3,a

CSR Library•Joint planning fordocomo Healthcare’s
Karada no Kimochi•Supporting the Center
for iPS Cell Researchand Application (CiRA),
Kyoto University•Supporting theprovision of Japaneselanguage medical
services (U.S.)•Industry-academia
collaborative researchwith The Universityof Tokyo and Tohoku
University○

SDG
targets

CSR Management

3. Good health and well-being(Ensure healthy lives and promote
well-being for all at all ages)•Promoting health andproductivity management•Promoting life insurance
revolution•Insurance products forregenerative medicine•Aruku Hoken•Dementia Support Plan
•Pension-based long-termcare insurance with dementia
assistance•Liability insurance for nursing
care service providers•Guidebook on
Combating Infectious
Diseases

ProvidingProtecting Supporting
Safety andthe Earth
PeopleSecurity

Core Theme 3 /Supporting People•Seminar for help obtaining Good
Agriculture Practices (GAP)/
Hazard Analysis Critical Control
Point (HACCP) certifications forfood manufacturing

Three core themes of
mid-term CSR strategy

4.1,3,6

Core Theme 2 /Protecting the Earth

2. Zero hunger(End hunger, achieve food security
and improved nutrition andpromote sustainable agriculture)

Tokio Marine Group’s initiatives○

Core Theme 1 /Providing Safety and Security

4. Quality education(Ensure inclusive and equitable
quality education and promote
lifelong learning opportunities forall)between each activity detailed in the Sustainability Report and the applicable goals of the SDGs as•Group Work on
Managing Risks andOpportunities•Tokio Marine Kagami
Memorial Foundation,
Educational
Development Fund,Sports Foundation•N Program tosupport young
physicians to gain
clinical experience

Governance•Green Gift Project•Room to Read’s educational
support program in developing
countries

to the SDGs. The activities carried out under each core theme respond to the 17 goals comprising theProviding value
through products and services•Group Work on
Managing Risks andOpportunities•Room to Read’s
educational
support program indeveloping countries○○•Accident response services
during large-scale disaster•Supporting the formulation of
BCP•BELFOR’s Early Disaster Recovery
Support Service•Natural disaster risk consulting•Comprehensive logistics
insurance (comprehensive
disaster logistics insurance)

SDG
targets

8.6

11. Sustainable cities
and communities(Make cities and humansettlements inclusive, safe, resilientand sustainable)

8.5,8

9.5,a

○

11.5,b

○11.2•Home Choice Assist•Home Cyber Risk Rider•Designated Equipment Water
Disaster Rider•Cyber Risk Insurance•Recall Insurance•Inbound business support
services•Overseas Total Support Desk
•Overseas travel insurance forforeign tourists visiting Japan

5,8

12.2,

○

•Green Gift Project•Mangrove Planting Project•Distributing disaster-related“personalized” videos•Green Lessons,
Disaster Prevention
Lessons•Natural disaster riskseminar•Launching the Low Carbon
Japanese Equity Fund

•Achieving carbon
neutral

○

4,8

○

○

○

13.1,3

13.1

CSR Library

12

12.2,

○

CSR Management

13. Climate action(Take urgent action to combat
climate change and its impacts)

11.6

Core Theme 3 /Supporting People

10.2

○

Core Theme 2 /Protecting the Earth•Web-based insurance policies
and contracts (clauses)•Promoting the use of recycled
automobile parts•Drive Agent Personal (DAP)
12. Responsible consumption andproduction(Ensure sustainable consumption
and production patterns)○○•Obtaining ISO14001
environmental
management system•Reduction in CO2emissions•Purchase of green
power

9.3

•Support for
dementia care
•Seminar on
caregiving skills•Activities associatedwith an elderly watch
support network
project•Support for sports
by persons withdisabilities and Special
Olympics•Gold Partner of theTokyo 2020 Olympic
and Paralympic
Games•Support for NPO
Himawari no Kai and
Sawayaka Welfare
Foundation•Support for Japan
Deafblind Association•Rider for Expenses for Saving
Victims•Auto insurance for the “Sharing
Economy”•One Day Auto Insurance•e-Cycle Insurance•Auto Insurance Fleet Accident
Reduction Assist Rider•Drone Insurance•Cyber Risk Insurance

9.4•Cyber Risk Insurance•Response to Act for Facilitating
New Business Activities of
Small and Medium-sizedEnterprises (formulation ofbusiness continuity plans (BCP),
enlightenment activity for risk
financing, providing insurance)•Disaster Prevention
Lessons•Research on climatechange and natural
disaster risk throughindustry-academia
collaborative research•Local information
network during adisasterCore Theme 1 /Providing Safety and Security•Research on climatechange and natural
disaster risk throughindustry-academia
collaborative research•Mega-Solar Package Program•Impairment Liability Coveragefor Geothermal Power
Generation Operators•Products corresponding to LGBT
•Insurance for supporting
initiatives for reducing humanrights risk in building supply
chains•Inbound business support
services

10. Reduced inequalities(Reduce inequality within andamong countries)○•Promoting Health and•Work style reform
Productivity Management•Providing support for obtaining
White Management System
certification (delivery companies)•Digital strategy

9. Industry, innovationand infrastructure(Build resilient infrastructure,promote inclusive and sustainableindustrialization and foster
innovation)

Providing value
through other means

Three core themes of
mid-term CSR strategy
Providing
Safety and Protecting Supporting
the Earth
PeopleSecurity

Governance

8. Decent work andeconomic growth(Promote sustained, inclusive andsustainable economic growth, fulland productive employment anddecent work for all)

Tokio Marine Group’s initiatives

Tokio Marine Group's CSR

17 SDG goals14. Life below water(Conserve and sustainably use theoceans, seas and marine resources
for sustainable development)

Tokio Marine Group’s initiatives
Providing value
through products and services•Green Gift Projectproject, when customers choose web-based insurance contracts on our website, Tokio Marine &Nichido donates funds corresponding to a portion of the value of the reduction in paper used tosupport environmental protection activities in Japan and overseas. The organizational structures for○undertaking these initiatives are as follows.

15.1,2

Initiatives

○

○

○

○

Company

Microinsurance and weather insurance (India)

IFFCO-TOKIO General Insurance Co. Ltd.

Products and services that support the building and introduction ofrenewable energy facilities

Tokio Marine & Nichido (Sales Development
Department, Sales Department)

Green Gift Project

Tokio Marine & Nichido (Sales Planning Department,
CSR Department)

16.5

Core Theme 3 /Supporting People

17.16

CSR Management
CSR Library•United Nations Global
Compact•Principles for
Responsible
Investment•United Nations
Environment
Programme FinanceInitiative (UNEP FI)•Task Force on
Climate-related
Financial Disclosures(TCFD) pilot groupof Principles for
Sustainable Insurance(PSI) advocated by
UNEP FI•The Geneva
Association Extreme
Events and Climate
Risk working group•ClimateWise•Private Sector Alliancefor Disaster Resilient
Societies (ARISE) of
United Nations Officefor Disaster Risk
Reduction (UNDRR)•Principles for Financial
Action for the 21stCentury•Eco-First Programby the Ministry of theEnvironment

accidents. Also, Tokio Marine Group supplies products and services that support the building and

14.1,2

Core Theme 2 /Protecting the Earth•Providing products and services
for resolving societal issues incollaboration with agents•Launching Marine Technology
Innovation Consortium (MTIC)•Overseas Investment Insurance

those developing countries with vulnerability to climate change, natural disasters, illnesses andintroduction of renewable energy facilities and also operates the Green Gift Project. Under this•Mangrove Planting
Project•Planet GENKI Program•Ten-Year Restoration
Project of the Coastal
Forests of Tohoku
Region affected by
the Great East Japan
Earthquake•Green Lessons(delivery classes)•Policy for response
to customer feedback•Managingprevention oftransactions
involving conflicts ofinterest

16. Peace, justice andstrong institutions(Promote peaceful and inclusive
societies for sustainable
development, provide access tojustice for all and build effective,
accountable and inclusive
institutions at all levels)

17. Partnerships for the goals(Strengthen the means of
implementation and revitalize theglobal partnership for sustainable
development)○

Tokio Marine Group developed microinsurance and weather insurance for low-income earners inCore Theme 1 /Providing Safety and Security

15. Life on land(Protect, restore and promotesustainable use of terrestrial
ecosystems, sustainably manage
forests, combat desertification, andhalt and reverse land degradationand halt biodiversity loss)•Mangrove Planting
Project•Planet GENKI Program

System for Sustainable Consumption
SDG
targets

Governance•Green Gift Project

Providing value
through other means

Three core themes of
mid-term CSR strategy
Providing
Safety and Protecting Supporting
PeopleSecurity the Earth

Tokio Marine Group's CSR

17 SDG goals

13

Tokio Marine Holdings has established a dedicated CSR Division (CSR Division, Strategy and Synergy

Initiatives to Promote CSR within the Group

Department) to identify material CSR issues and to formulate and implement Group CSR strategies. The■ Enhancing CSR Communication

CSR key persons appointed to promote CSR within the divisions in charge of CSR at the respective

Tokio Marine Holdings and Tokio Marine & Nichido hold CSR Communication Meetings forGroup companies.

exchanging opinions targeting employees of domestic and overseas Group companies and Tokio
Marine & Nichido. These meetings seek to spread and deepen employees’ understanding of CSR andfirmly implement CSR initiatives continuously and reflect the Group’s CSR policies in the measures

Holdings (board chairman) and presidents of major domestic Group companies, as well as theand initiatives of Group companies and the branch offices of Tokio Marine & Nichido. These meetings

CSR Key Persons Conference, which consists of Tokio Marine Holdings and Group companies’ CSR

enable the sharing of information and the straightforward exchange of opinions on CSR initiatives

divisions. These bodies evaluate various types of CSR initiatives and discuss response measures for

conducted in Tokio Marine Group, its respective companies and workplaces. Through these meetings,

CSR issues (important issues to be shared by each Group company) for the entire Group. Tokio Marine

we have received comments from participants such as “Understanding the significance and purpose

Holdings also convenes CSR Dialogues with external experts, non-governmental organizationsof CSR activities and ‘CSR through our core businesses’ has led to increased motivation.”(NGOs) and non-profit organizations (NPOs). The dialogues give us opportunities to hear outside
opinions about our awareness and approaches concerning the Group’s CSR issues. These opinions

From fiscal 2015, we commenced the CSR Key Persons (CSRKP) Seminar for CSRKPs at Groupand other ideas are then reflected in our CSR strategy and our approach to each individual CSR issue.

companies and branch offices of Tokio Marine & Nichido. The seminar aims to share information and

The Company’s Board of Directors receives reports on the CSR activities of the entire Group while

purpose of creating social value and raising corporate value. In July 2018, we invited Kazuo Tase, CEO

formulating the Overall Group CSR Strategy (medium-term plan and single fiscal-year plans). CSRof SDG Partners, Inc., to give a lecture on the current status and prospects of the SDGs, which waspromotion officers at each Group company play a leading role in promoting and handling common

followed by a group discussion to facilitate better understanding and internalization of CSR and SDG

issues to be addressed by the entire Group as well as in implementing CSR activities based on theconcepts. On the same day, Masae Komiya, a goalball Gold medalist of the London 2012 Paralympic

characteristics of each business and local communities.

Games, was also invited to give a lecture under the theme of “Teamwork That Brings Out Maximum

To help resolve societal issues and perpetually raise the Group’s corporate value, we will continuously
hold these meetings and seminars in the future and ensure these improve the CSR mindsets and skill
levels of employees.

Tokio Marine & Nichido conducts CSR training through e-Learning for all employees once a year
to promote understanding and sharing of the philosophy behind the company’s CSR activities.
In addition to affirmation of the CSR Charter, the training includes topics such as confirmationof environmental burden reduction targets and the environmental management system andworkplace promote participation in the training.

14

CSR Libraryconfirmation of the company’s community and social contribution initiatives. Key persons in each

CSR Management■ CSR Training

Core Theme 3 /Supporting People

Potentials” to deepen understanding of the importance of CSR and SDG initiatives.

Tokio Marine Group CSR Promotion StructureCore Theme 2 /Protecting the Earthexchange opinions on the most current CSR trends as well as CSR strategy across the Group for theCore Theme 1 /Providing Safety and Security

Tokio Marine Group regularly convenes the CSR Board, comprising the president of Tokio Marine

Governancedivision supports the CSR activities of each Group company through dialogue and cooperation with

Tokio Marine Group's CSR

Tokio Marine Group’s CSR Promotion Structure and Plans and Results of CSR Initiatives

Plans and Results of CSR Initiatives

Tokio Marine Group has set the three core CSR themes of “Providing Safety and Security,” “Protecting■ CSR Plan within the Fiscal 2018-2020 Mid-Term Business Plan

contribution activities around the world that emphasize voluntary participation by employees andUnder the Mid-Term Business Plan “To Be a Good Company 2017 (FY2018 - FY2020),” Tokio Marine

tie-ups and collaboration with NPOs and other groups.

Group has set the following core CSR themes and implemented initiatives for the three core CSR
themes and strengthening CSR management.

In addition to aiming to conduct ongoing local community and social contribution activities at each
In fiscal 2018, our initiatives generally proceeded smoothly and we attained our objectives in all

year with the aim of promoting employee-driven CSR activities. Many employees take part in a

activities. In working toward being a “Good Company,” in fiscal 2019, all Group employees throughout

variety of local community and social contribution programs during this period in different parts of

the world will continuously work to implement the three CSR core themes and strengthen CSR

the world.

management as his/her own matter with the aim of raising corporate value and generating social
value.

■ Support Systems and Donations• Core Theme 1 : Providing Safety and Security

community and social contribution activities by introducing them to activities in which they may• Core Theme 2 : Protecting the Earthbe able to participate or by creating a volunteer leave system or an award program to recognize• Core Theme 3 : Supporting People

employees’ active efforts in local community and social contribution activities.

• Governance 〜 Strengthening CSR Management

Supporting People >>CSR Performance Data (Employee participation rate in volunteer activities, Number of employees
who took volunteer leave, Donations) >>Core Theme 3 /Supporting People■ Tokio Marine Group CEO Recognition for CSRCore Theme 2 /Protecting the Earth

All Tokio Marine Group companies encourage the proactive participation of their employees in local

Core Theme 1 /Providing Safety and Security

workplace and Group company, we have designated October and November as CSR Months every

Governancethe Earth” and “Supporting People” and is implementing different local community and social

Tokio Marine Group's CSR■ Community and Social Contribution Activities with the Participation of All Employees

To promote the fostering of a corporate culture in which each employee engages in CSR as his/her own issue and ensure this contributes to the community and helps create corporate value, in
fiscal 2015 Tokio Marine Group expanded Tokio Marine& Nichido’s award system to the entire Group andCSR Management

established the Tokio Marine Group CEO Recognition for
CSR. In April 2019, a total of 20 outstanding initiatives
implemented in fiscal 2018 at Group companies and Tokio
Marine & Nichido’s branch offices were commended.

CSR Library15

Initiative
Theme•Value creation by
providing disaster risk
solutions•Respond to climatechange and natural
disaster risk
•Value creation byindustry-academia
collaborative research•Provide disasterand accident risk
solutions•Promote
industryacademia
collaborative
research andcreate value•Hold Natural
Disaster Risk
Seminars

Targets• Provided disaster and accidentrelated insurance and risk consulting services; continued to distributepersonalized videos to customers to
prepare for typhoons and torrential
downpours•Continued climate change andnatural disaster risk research withThe University of Tokyo, Nagoya
University, Kyoto University andTohoku University•Held a Natural Disaster Risk
Seminar on extreme weather
events (November 2018)• Launched automobile insurance
for the “ Sharing Economy ”• Launched a Rider for Expenses for
Saving Victims for auto insurance
and Super Insurance• Launched Drive Agent Personal, a
new service for auto insurance◯•Provide
disaster andaccident risk
solutions•Promote
industryacademia
collaborative
research•Hold Natural
Disaster Risk
Seminars•Developand provide
products andservices that
respond totechnologicalinnovation

Local Community and Social
Contribution
Activities•Develop andprovide related
products andservices•Develop related • Launched a new product,
products andD&O Management Package
services• Launched Cyber Risk Insurance forcorporate customers (expanded
coverage for expense insurance)

Fiscal 2018
Activities andNumerical
Targets• Provide all people
with access toinsurance services•Provideinsurance forlow-income
earners andthose engaging
in small-scale
farming

Eliminating
Poverty inSociety

Improving
Quality fromthe Customer’s
Perspective◯

Mid-Term
Business Plan
(Fiscal 2018-2020)
Targets◯•Value creation byquality improvement•As an indicator formeasuring the stateof CSR initiatives withthe participationof all employees,
total employee
participation rate involunteer activities:
At least 100% (total
participation rate
regarding three core
themes)•Continue support
for recovery of thedisaster-affected areas•Hold Disaster
Prevention Lessons at
schools

Fiscal 2019

Fiscal 2018 Results

Targets• Increased the prevalenceof weather insurance andmicroinsurance in India◯•Promote quality •Implemented initiatives for Anshin
improvement
Quality
initiatives• Total employee
participation
rate in volunteer
activities: At
least 100% (total
participation
rate regarding
three core
themes)•Continue
support forrecovery of thedisaster-affected
areas•Hold Disaster
Prevention
Lessons at
schools

SelfAssess- Activities andNumerical
ment• Total employee participation
rate in volunteer activities: 135%
(attained target for the fifth
consecutive year, total participation
rate regarding three core themes)•Continued employee cafeteria
menu for support for recovery ofthe disaster-affected areas as well
as volunteer support for recovery ofthe disaster-affected areas• Held Disaster Prevention Lessons(540 times, with participation of
40,050 children and students)
accumulated total as of March 31,
2019)

◯

◯

•Provideinsurance forlow-income
earners andthose engaging
in small-scale
farming• Promotequality
improvement
initiatives•Total employee
participation
rate in volunteer
activities:
At least
100% (total
participation
rate regarding
three core
themes)•Continue
support forrecovery ofthe disasteraffected areas•Hold Disaster
Prevention
Lessons at
schools

CSR Management

Building a
Secure Society
by Responding to Varying
Lifestyles andChanges inSociety

Initiative
Theme

Core Theme 3 /Supporting People•Develop related
products and services•Develop
products andservices that
respond totechnologicalinnovation

SelfActivities andAssessNumericalmentCore Theme 2 /Protecting the Earth•Develop products
and services
that respond totechnologicalinnovation

Fiscal 2019

Fiscal 2018 ResultsCore Theme 1 /Providing Safety and Security

Building a
Secure Society
by Leveraging
Traffic
Technology
Innovation

Fiscal 2018
Activities andNumerical
Targets

Governance

Making Society
Resilientto Natural
Disasters

Mid-Term
Business Plan
(Fiscal 2018-2020)
Targets

Tokio Marine Group's CSR<Core Theme 1: Providing Safety and Security>

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Initiative
Theme

◯

• CO2 emissions:-1%(Scope 1+2+3
totally andrespectively,
compared with
FY2018)• CO2 emissions
per employee:-1%(Scope 1+2+3
totally andrespectively,
compared with
FY2018)•Be carbon
neutral•Paperconsumption:-1% (comparedwith FY2018),
promoteintroductionof Raku Raku
Tetsuzuki•Promote
3R/Wasteemissions: -0%(compared with
FY2018)◯Initiative
Theme

Mid-Term
Business Plan
(Fiscal 2018-2020)
Targets

Fiscal 2018
Activities andNumerical Targets•Provide Mega-Solar
Package Program• Provide TM Nippon
Solar Energy Fund

• Provide Mega-Solar
Package Program• Provided TM Nippon
Solar Energy Fund

Preventionof Global
Warming by
Promoting
Developmentof
Clean Energy•Total employee
participation
rate in volunteer
activities: 100%
(total participation
rate regarding threecore themes)• Green Gift
•Protectbiodiversity
throughenvironmental
preservation
and awarenessraising activities
in Japan andoverseas•Mangrove
Planting Project

Building
Communities
for People
to Live with
Peace of
Mind throughEnvironmental
Protection
Activities•Total employee
participation rate involunteer activities:
100% (total of threecore themes regarding
local community andsocial contribution
activities)• Hold Green Lessons at
schools•Children’s
Environmental Award•Marunouchi Citizens
Environmental Forum

Fiscal 2018 Results• Established the Tokio Marine
Low-Carbon Japanese Equity
Fund• Provided Mega-Solar Package
Program and Impairment Liability
Coverage for Geothermal Power
Generation Operators• Provide TM Nippon Solar Energy
Fund

SelfAssessment◯•Total employee participation
rate in volunteer activities:
135% (attained target for thefifth consecutive year, total
participating rate regarding threecore themes)• Held Green Lessons (830 times,
55,630 children and students(accumulated total as of March
31, 2019))◯

Fiscal 2019
Activities andNumerical
Targets• Provide the
Tokio Marine
Low-Carbon
Japanese Equity
Fund• Provide MegaSolar Package
Program, etc.
• Provide TM
Nippon Solar
Energy Fund

•Total employee
participation
rate in volunteer
activities: At
least 100% (total
participating
rate regarding
three core
themes)•Hold Green
Lessons at
schools• Hold Children’s
EnvironmentalAward

CSR Management• Implemented Green Gift Projectand reduced paper resources by
2,820 tons
• Conducted biodiversity
protection activities in Japanin conjunction with NPOs
247 times, with a total of
15,502 people participating(accumulated total as of March
31, 2019)• Conducted mangrove planting(10,930 ha of forested area(accumulated total as of March
31, 2019))

Fiscal 2019
Activities andNumerical
Targets

Core Theme 3 /Supporting People

Protection of
Biodiversity
through
Products andServices• Implement Green Gift
Project•Preservation of
biodiversity throughenvironmental
protection activities
and environmental
awareness-raising
activities in Japan andoverseas• Mangrove Planting
Project• CO2 emissions: -3.2% (Scope
1+2+3, compared with FY2017)• CO2 emissions per employee:-2.9% (Scope 1+2+3, comparedwith FY2017)• Achieved carbon neutral status(seventh time in six consecutive
years)•Paper consumption: -0.9%(compared with FY2017)•Promoted introduction of
paperless Raku Raku Tetsuzuki
online procedures using tablet inface-to-face sales• Promoted 3R/Waste emissions:-1.3% (compared with FY2017)

SelfAssessment

Core Theme 2 /Protecting the Earth•Implement Green
Gift Project• CO2 emissions: -1%(Scope 1+2+3 totallyand respectively,
compared with
FY2017)• CO2 emissions per
employee: -1% (Scope
1+2+3 totally andrespectively, comparedwith FY2017)• Be carbon neutral• Paper consumption:-1% (compared with
FY2017)•Promote introductionof Raku Raku Tetsuzuki•Promote 3R/Waste
emissions: -0% (compared with FY2017)

Fiscal 2018 ResultsCore Theme 1 /Providing Safety and Security• FY2020 CO2emissions: -3%(compared with
FY2017)•FY2020 CO2emissions per
employee: -3%(compared with
FY2017)•Be carbon neutral•Promote paperless
operations•Promote 3R

Fiscal 2018
Activities andNumerical Targets

Governance

Promotion ofEnvironmental
Management

Mid-Term
Business Plan
(Fiscal 2018-2020)
Targets

Tokio Marine Group's CSR<Core Theme 2: Protecting the Earth>

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Initiative
Theme

Mid-Term
Business Plan
(Fiscal 20182020) Targets

Fiscal 2018
Activities andNumerical
Targets

Fiscal 2018 Results•Promote youth
development• Support to foster
young swimmers•Supportscholarshipstudents throughfoundations•Participate ingirls educational
support programin developing
countries•Provided special backing of
National JOC Junior Olympic Cup
Swimming Tournament• Provided scholarships throughfoundations and supported
orphans of traffic accidents andchildren whose parents died from
disease• Supported female education indeveloping countries throughinternational NGO “Room to Read”•Promote
enrollment incourses fostering
employeesupporters ofpeople withdementia, support
attainment ofTechnical Care
Helper Certificate•Support for theSpecial Olympics•Enhance support
for sports by
persons withdisabilities•Support forJapan Deafblind
Association, etc.

•Enrollment in courses fostering
employee supporters of persons
with dementia: 5,658 employees(accumulated total as of March 31,
2019)•Held courses supporting
attainment of Technical Care
Helper Certificate•Provided support of Special
Olympics (Tokio Marine & Nichido,
Safety National)•Started support for sports fordisabled persons by backing Japan
Para-Sports Association and Japan
Inclusive Football Federation so as
to enable people to learn about,watch and experience sports by
persons with disabilities•Supported Japan Deafblind
Association•Total employee
participation
rate in volunteer
activities: 100%
(total participation
rate regarding
three core themes)•Total employee participation rate
in volunteer activities: 100% (total
participation rate regarding threecore themes)•Promote supportof the elderly
and persons withdisabilities• Promote employment of
persons with disabilities(Includes attainment of
2.0% employment rate ofpersons with disabilities)•Promote female
empowerment (including
an increase in thecomposition of females
in managerial positions)

Aiming toCreate aSymbiotic
Society•Develop and provide
living benefit related
products•Total employee
participation
rate in volunteer
Local
activities: 100%
Community (total participation
andrate regarding
Socialthree core themes)
Contribution
Activities◯

Fiscal 2019 Activities
and Numerical
Targets◯•Continue supporting
youth development, theelderly, persons withdisabilities and athletes• Promote initiatives forchildren responsible forthe future◯◯• Employee enrollment
in courses fostering
supporters of persons
with dementia andcourses supporting
attainment of Technical
Care Helper Certificate•Promote initiatives
toward holding and thesuccess of 2020 Tokyo
Olympic and Paralympic
Games•Support sports for
persons with disabilities•Support Japan Deafblind
Association•Total employee
participation rate involunteer activities: 100%
(total participation rate
regarding three core
themes)•Hold career education
program “Group Workon Managing Risks andOpportunities”

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SelfAssessment

CSR Management• Launched Dementia Support Plan
• Launched Aruku Hoken•Provide living
benefit related
products

Fiscal 2018 Results

Nurturing
Generations
Responsible
forthe Future◯◯

Fiscal 2018
Activities andNumerical
Targets

Core Theme 3 /Supporting People•Corporate value
by providing
solutions related
to health anddwindling
Building population/a Society aging society
Based on / Develop and
Health and provide products
Longevity and services toto Ensure meet dwindling
Peace of population/
Mind
aging society
and changing
population
demographics•Percentage taking
medical exam: Approx.
100%• Rate of stress test
implementation: At least90%

Mid-Term
Business Plan
(Fiscal 20182020) Targets

Core Theme 2 /Protecting the Earth• Employment rate of persons withdisabilities 2.8% (Japan, as of June
1, 2018)• Selected as “Nadeshiko Brand” infiscal 2018

Initiative
Theme

Core Theme 1 /Providing Safety and Security•Promote diversity • Promote diversity
and inclusion
and inclusion•Promote
employment
Developingof persons withanddisabilities
Utilizing(Includes
Diverseattainment of
Human
2.0% employment
Resources
rate of persons
with disabilities)•Promote female
empowerment

Fiscal 2019 Activities
and Numerical
Targets

Governance•Promoting Health • Percentage taking •Selected as Health & Productivity
and Productivity
medical exam:
Stock for the fourth consecutive
Management
Approx. 100%
year, strengthened support for• Rate of stress test customers’ health and productivity
implementation: At management throughPromotingleast 90%
establishment of Health and
Health
Productivity Management Task
and
Force
Productivity•Percentage taking medical exam:
Mangement
100%•Rate of stress test
implementation: 97.9%

SelfAssessment

Tokio Marine Group's CSR<Core Theme 3: Supporting People>

Initiative
Theme

Fiscal 2018
Activities andNumerical Targets•Foster the sense of
CSR in employees
and enhance skills•Implement CEO
Recognition for CSR
award

Fiscal 2018 Results•Implemented, selected andawarded winners of the CEO
Recognition for CSR award thatcovers domestic and overseas
Group companies

Initiative
Theme•Implement CSR
Board, CSR Key
Persons Conference,etc.

• Held CSR Dialogue (December
2018)

Fiscal 2019
Activities andNumerical
Targets•Enhancecommunications
with stakeholders
through CSR
Dialogue andother means•Publish Integrated
Annual Report 2018
•Sustainability
Report 2018 to be inaccordance with G4
or referenced to G4•Published Integrated Annual
Report 2018 (August 2018)•Sustainability Report 2018 inaccordance with the Core optionof the GRI standards◯• Expand upon
CSR andnonfinancial
information
disclosure•Enhance the
ESG section of
the Integrated
Annual Report
2019•Sustainability
Report 2019 to
be in accordancewith the Core
option of the
GRI standards

Core Theme 3 /Supporting People◯

Overview ofGroup CSR
Reporting•Promote theuse of recycled
automobile
materials•Enhance
human rights
initiatives

SelfAssessment

Core Theme 2 /Protecting the Earth•Percentage of recycled
automobile materials used:
2.20% (Previous fiscal year:
2.59%) (Tokio Marine & Nichido)•Conducted research on humanrights risk

• Hold CSR Dialogue

Fiscal 2018 Results◯•Expand upon CSR
and nonfinancial
information
disclosure• Publish and further
develop Integrated
Report•Enhance thecontents of
Sustainability
Report◯•Promote utilization •Promote utilizationof recycledof recycled materials
materials•Enhance humanrights initiatives

Fiscal 2018
Activities andNumerical Targets

Stakeholder
Engagement•Strengthen CSR
communicationin the Groupthrough the CSR
Board, etc.

•Implemented CSR Board(August 2018), CSR Key
Persons Conference (July
2018) and strengthened CSR
communication in the Group

Mid-Term
Business Plan
(Fiscal 2018-2020)
Targets•Enhancecommunication
with stakeholders•Enhance
Tokio Marine
Group CEORecognition for
CSR award◯•Strengthen CSR
communication in
the Group

CSR
inthe Value Chain

Fiscal 2019
Activities andNumerical
Targets

Core Theme 1 /Providing Safety and Security

Corporate
Governance /Internal Control

Tokio Marine
Group’s
Approach to
CSR

SelfAssessment

Governance

Mid-Term
Business Plan
(Fiscal 2018-2020)
Targets

Tokio Marine Group's CSR<Governance ~ Strengthening CSR Management>

CSR Management
CSR Library19

In implementing high-quality corporate management, we believe it is essential to develop a
relationship of mutual trust through dialogue with customers and all other stakeholders. We are

Cooperation withinsurance agents

Working Together with Agents to Improve
Quality >Education and Training Systems for Agents >Business
Partners

We aim for healthy mutual growth and development with ourbusiness partners.

Cooperation withbusiness partners

CSR in the Value Chain >Employees

We respect each and every employee as individuals andEmployeerecognize their dignity and value, and pay careful attention
satisfaction levels
to ensure that they can fulfill their responsibilities to theirfamilies. We aim to be a professional group with very distinctive
characteristics while cooperating to ensure all colleagues
Dialogue
maximize their performance with integrity and compassion.

initiatives based on customer opinions (customer compliments, complaints and other opinions
and suggestions) received by Group companies, and through engagement with shareholders andinvestors, communications with agents, communications with employees, communications withexternal Environmental, Social and Governance (ESG) rating agencies and Socially Responsible
Investment (SRI) and CSR communication with external experts (CSR Dialogue). Using the obtained
feedback, we identify issues of the entire Group and at each Group company. We also provide
shareholder and investor information and issue various types of news releases through the media
and make our best efforts to provide appropriately timed and adequate information disclosure to allAwardsstakeholders.

Fair Personnel System and Management(Raising Employee Satisfaction Levels) >CSR Initiatives Aiming To Be a “Good
Company”>
External Evaluations and Participation in
Initiatives >Tokio Marine Group’s Stakeholders

To respond to disasters caused by climate change, we will

services for stable responses to disasters in the future.

Stakeholders

PolicyContents

Web Links

Naruhodo Insurance Guide (Basic)
We continually provide customers and society with “safety andBasic knowledge of
security.” We will continue to promptly and appropriately provide insurance
Naruhodo Insurance Guide (Life Events)
even higher quality products, services and processes that meet
Customerthe expectations of our customers.
Response to Customer Feedback >satisfaction levels

Disclosure policy

Stakeholder Engagement (Engagementwith Shareholders and Investors))>

Media

Corporate Governance (Relations with
Shareholders and Other Stakeholders) >Information DisclosureNews release

News release

Tokio Marine
Holdings corporatewebsite (CSR page)

Tokio Marine Holdings Corporate
Website (CSR Page)

Implementation of Stakeholder Engagement (PDF/242.5KB)

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CSR Library

To assure transparent and fair management, we work for timely
Shareholders and appropriate information disclosure, while implementing aand Investors variety of measures to realize fair and constructive dialogue withdomestic and overseas shareholders and investors.

Communication
with shareholders
and investors

Based on the Tokio Marine Group CSR Charter that states, “Weintend to disclose information timely and appropriately and topromote dialogue with all our stakeholders to ensure effective
corporate management,” we will cooperate with the media
and carry out fair, timely and proper disclosure of company
information to gain the trust and understanding of our
stakeholders.

External Evaluations and Participation in
Initiatives >CSR Management

Customers

Engagement

To respond to global-scale issues such as climate change,poverty, human rights and resource and energy issues and help
create a secure, safe and sustainable future, we will collaborate
External
with governments and industry organizations and participate in Participation in
Initiatives,
Organizations, initiatives that include the United Nations Global Compact and initiatives
Governments the United Nations Environment Programme Finance Initiative(UNEP FI), and undertake activities in cooperation with a variety
of stakeholders toward resolving these issues.

Core Theme 3 /Supporting People

Climate change andResearch sophisticate our natural disaster risk assessment through
Making Society Resilient to Natural Disasters
natural disaster risk>
Institutions industry-academia collaboration and will provide products and researchCore Theme 2 /Protecting the Earth

External Evaluations and Participation in
As a good corporate citizen, we strive to be recognized by local Initiatives
Initiatives >communities and societies while contributing to the creation of
Stakeholder Engagement (Fiscal 2018 CSR
a society where a diversity of people can live healthy lives and CSR Dialogue
Local
Dialogue) >with a sense of security. We also make efforts to soundly protect
Communities
the global environment for future generations. In addition, by
and Societies
Preserving Biodiversity through Products
partnering with NPOs, etc., we conduct mangrove planting
Mangrove Planting
and Services (Green Gift Project: Mangrove
projects and experience-based environmental protection
Project
Planting) >activities mainly focusing on children.
Experience-based Protection of Biodiversity through Products
environmental
and Services (Green Gift: Planet GENKI
protection activities Program) >Core Theme 1 /Providing Safety and Security

We emphasize mutual trust with our agents and combine
our strengths to meet the needs of customers and society
while cooperating to promote mutually sound growth anddevelopment. We also engage with our agents(/brokers) on
ESG-related risks and opportunities.

Governancepromoting a deeper understanding of Tokio Marine Group’s thinking, values and various types of

Insurance
AgentsTokio Marine Group's CSR

Stakeholder Engagement ～Promoting Initiatives Together with Various Stakeholders

An insurance company is a business operator having contact with people and companies in all
business categories through its insurance business, involving a large number of stakeholders andknowledge on CSR with management and to engage in dialogue (exchange views and engage inhaving a significant impact on society through product development. I hope you will incorporate

discussions) about Tokio Marine Group’s CSR initiatives. On December 19, 2018, we invited prominent

the globally pursued SDGs into your management strategies, promote the permeation of these goals

figures and asked their opinions about the CSR initiatives of Tokio Marine Group in line with the latest

within the Group and take the lead in efforts to increase their recognition worldwide.

social situation in the field of CSR. Several opinions offered by these experts are provided herein.
［Tokio Marine Group’s response policies］
For Tokio Marine Group, the resolution of social issues is the very goal of our business, and we have
In fiscal 2019, we will step up our efforts by explicitly integrating the SDGs into the Group CSR
strategies. Working with our stakeholders, we will continue to endeavor for the resolution of social
issues through all our business activities from a long-term perspective.
■ Participants(Affiliations and positions are as of the date of the convening of the dialogue.)■ 2. Value Creation Story
We are in an age in which the quality of conveying a company’s value creation story is crucial inensuring good investor relations (IR) and public relations (PR). I think you would be able to betterand your strength-based business model and business model-based value creation story.
［Tokio Marine Group’s response policies］
Since fiscal 2018, Tokio Marine Group has been referring to the Guidance for Integrated Corporate
Disclosure and Company-Investor Dialogues for Collaborative Value Creation advocated by Japan’s

Hidemitsu Sasaya

Tsuyoshi Nagano

Ministry of Economy, Trade and Industry in preparing its Integrated Annual Reports. In the 2019

President and Group CEO
Tokio Marine Holdings, Inc.

Integrated Annual Report, we incorporated the SDGs into our value creation model and showed our
initiatives toward the attainment of the SDGs in a table in the Environmental, Social and GovernanceInitiatives and Contributions to the United Nations Sustainable Development Goals section. We willcontinue to improve the quality of conveying our value creation story.

I believe efforts to promote the permeation of the SDGs throughout the Group should be made in
a way that factors in the individual positions and roles at the management level and at the actual

Makoto Okada

Senior Managing Executive
Officer
Tokio Marine Holdings, Inc.

operation level. For sales personnel, for example, it is essential to organize the SDGs-related initiatives

Toshifumi Kitazawa

into easily comprehensible, familiar themes from their perspective. Providing relevant education

President & Chief Executive
Officer
Tokio Marine & Nichido Fire
Insurance Co., Ltd.

regarding them is also important.

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CSR Library

Senior Managing Executive
Officer
Tokio Marine Holdings, Inc.

Takayuki Yuasa

CSR Management■ 3.Promoting the Permeation of the SDGs throughout the Group

Core Theme 3 /Supporting People

Corporate Advisor
ITO EN, Ltd.

Core Theme 2 /Protecting the Earthexpress your philosophy “To Be a Good Company” if you can clearly define the link between the SDGs

Core Theme 1 /Providing Safety and Security

been working to resolve natural disaster and other social issues even before the SDGs were adopted.

GovernanceIn the name of “CSR Dialogue,” Tokio Marine Group regularly invites outside experts to share the latest

Tokio Marine Group's CSR■ 1. Management Focused on the Sustainable Development Goals (SDGs)

Fiscal 2018 CSR Dialogue

We will promote the permeation of the SDGs throughout the Group by using CSR Dialogues and the
CSR Board at the management level. At the actual operation level, we will do so by providing training
and other relevant departments jointly support the development of tools to raise awareness of SDGs.

November24, 2011

From fiscal 2019, we also changed the name of our annual CSR Booklet to the Sustainability Booklet
to clearly show the link between the Group’s initiatives and the SDGs. We will use the booklet inpromoting the permeation of the SDGs throughout the Group and communicating with customers
with regard to the SDGs.

Responding to Opinions in the CSR Dialogue
Thank you for your valuable opinions. We will utilize these opinions in our future activities to accelerate
our initiatives for resolving various issues facing society.

Community
and social
contribution
activities

I hope to see support
that enables employees(individuals) to independently
participate in community andsocial contribution activities
that transcend the bounds ofbusiness.

We continually think of creative ways for enabling
employees to independently participate in community andsocial contribution activities through initiatives such as thefollowing.
• Creation of “List of Recommended Initiatives” that compiles
tips for planning community and social contribution
activities at each workplace•Participation in initiatives undertaken by the NGOs andNPOs that we support•Plan volunteer tours to support disaster regions and holdin-house solicitations of tour participants

We aim to be a “Good Company” that supports customers and society in all times of need. Based on
dialogue and collaboration with our stakeholders in all areas of our business, from products andservices to respect for human rights and dignity, protection of the global environment, contribution
to local communities and societies, governance and stakeholder engagement, all employees will work
together to create a secure, safe and sustainable future with a focus on our three core CSR themes.

Community
and social
contribution
activities

Solving social issues isrequiring even more expertise.
I’d like to see activities carriedout with an awareness ofcollaborating with local
governments, universities,
specialist institutions, NPOs
and residents. Also, I’d like to
see the development of thenext generation of people
who will work to protect
the environment in regional
communities.

We are carrying out industry-academia collaborativerisk research with universities and strengthening
collaboration with local governments and NPOs indomestic environmental protection activities whileworking to solve various social issues. We are undertaking
environmental awareness and education activities throughthe implementation of Green Lessons for elementary
school children and carrying out environmental protection
activities in the Green Gift Project.

CSR
management

I suggest setting “developmentof people” as materiality andascertain needs in each region
while promoting financial
and environmental education
and advancing these withinitiatives used in your main
business.

We set “Supporting People” as one core CSR theme in
the new mid-term business plan (FY 2015–2017) and are
implementing CSR. From fiscal 2012 we have been holding
Disaster Prevention Lessons to raise the disaster prevention
awareness of elementary school children. We will reflect
regional characteristics and the outcomes of industryacademia collaborative risk research to the present into
this program while also focusing on further improving
this program. We have also started the development ofa financial education program based on the theme of
insurance as our main business.

December
6, 2012

Makoto Okada
Senior Managing Executive Officer
Tokio Marine Holdings, Inc.

■Opinions Received from Experts in the Past and Subsequent Responses
Date ofdialogue

Items
Global CSR
initiatives

January 25,
2011

Innovative
initiatives

Opinions

Status of Group’s response

Besides playing a role in Japan,
as a representative of Asia,
Tokio Marine Group should
fulfill the role of an industry
leader in CSR throughout therest of the world as well.

Tokio Marine & Nichido is actively participating in global
initiatives, which include serving as a Board Member for
UNEP FI-PSI (United Nations Environment Programme
Finance Initiative Principles for Sustainable Insurance) forAsia.

I’d like to see theimplementation ofenvironment-conscious
initiatives that go beyond mere
reductions of CO2 emissions
and paper consumption(e.g., the total use of FSCcertified paper, investments inrenewable energy).

•Tokio Marine & Nichido makes standard use of“environment-conscious paper” that includes FSC-certified
paper.
•Marketing of TM Nippon Solar Energy Fund by Tokio
Marine Asset Management

December16, 2013

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CSR Library

The Green Gift Project, an initiative started in fiscal 2009,
initially supported mangrove planning activities overseas.
In October 2013, we expanded the scope of this initiative toenvironmental protection activities in Japan as well and we
hold events in collaboration with NGOs and other bodies invarious regions throughout the country.

CSR Management

I’d like to see community andsocial contribution activities
carried out with further
cooperation with NGOs andNPOs in Japan.

Core Theme 3 /Supporting People

Community
and social
contribution
activities

for CSR Key Persons (CSRKP), CSR education and SDGs-related tools. For the latter, the CSR Division

Core Theme 2 /Protecting the Earth

Following our Green Lessons environmental awarenesspromotion program launched in fiscal 2005, from fiscal
2012 we have been actively developing Disaster Prevention
Lessons as disaster-prevention education that is even closer
to the main business of an insurance company.

Core Theme 1 /Providing Safety and Security

I’m looking forward to seeing
Tokio Marine Group play itsrole in providing awarenesseducation and informationthat utilizes knowledge andexperience that is unique to an
insurance company.

Governance

Responses
to climatechange/global
warming

Tokio Marine Group's CSR

Tokio Marine Group’s response policies

Status of Group’s response

Taking on thechallenge ofmeeting global
social issues

I’m hoping to see Tokio Marine
Group utilize its knowledge
and experience and actively
participate in United Nations
partnerships and international
conferences for disasterprevention and mitigation as
well as play an active role inthe creation of an internationalframework as a Japanesecompany and an industry
opinion leader.

Tokio Marine Group participates in the United Nations
Office for Disaster Risk Reduction (UNISDR) — Private
Sector Alliance for Disaster Resilient Societies (ARISE)
and the United Nations Environment Programme FinanceInitiative (UNEP FI). At the Third United Nations World
Conference on Disaster Risk Reduction held in Sendai in
March 2015, we disseminated information about suchindustry-academia collaborative research results as astochastic risk assessment method for earthquake-induced
tsunamis as well as the Group’s disaster-related solutions
and promoted discussions for deploying the roles fulfilledby the insurance industry toward solving disaster issues
and reducing damage. A Group member is presently
participating in the creation of a framework for global
climate-related financial disclosures as a member of the
Financial Stability Board’s (FSB’s) Task Force on Climaterelated Financial Disclosures (TCFD).

January 30,
2015

Visualizationof the social
impact of CSR•Isn’t “Information Security”
also an important issue as acore CSR theme?
•How about rearranging core
CSR themes into five steps as a
CSR approach?

• We reflected these opinions in Tokio Marine Group’s CSR
materiality (important issues) and core CSR themes set inaccordance with the new mid-term business plan “To Be a
Good Company 2017.” This included setting “Information
Security” as an element of internal control within CSR
materiality (important issues).
• We established a “CSR approach” that rearranged core CSR
themes into five steps to ensure that the actions of each
employee lead to value generation in the future.

We created and published “CSR Booklet 2016” keeping in
mind communication and design. This booklet won the“Easy-to-Understand Award” in the UCDA Award 2016.
Besides obtaining UCDA Easy-to-Understand certification,
we disseminated information in “CSR Booklet 2017” byutilizing infographics.

Toward “To
be a Good
Company”

Companies are public
institutions within societythat contribute to society
through their businesses. In
doing so, three key factors
enable companies to carry out
vigorous business operations.
The first is to contribute to allcompany stakeholders that
include employees, customers,
suppliers, local communities
and the earth. The second is
to continuously contributeto all stakeholders over the
medium and long term rather
than pursuing short-term
results. The third is to take onchallenges assuming maximum
tolerable risk.

The idea that “companies are public institutions withinsociety that contribute to society through their businesses”
corresponds with Tokio Marine Group’s thinking that “CSR
is synonymous with the implementation of its Corporate
Philosophy and that promoting efforts to solve societal
issues will lead to the Group’s sustainable growth.” Tokio
Marine Group will make unceasing efforts to be a “company
indispensable throughout society” and that is chosen bycustomers by getting close to our customers and local
communities and making efforts to support this challenge.

CSR Initiatives
through Our
Main Business~ Providing
Value to
Stakeholders

To sustain operations over thelong term, companies should
arrange and rebuild their own
mission and initiatives fromthe perspectives of principal
stakeholders to provide
appropriate value and ensure
the allocation of returns toeach respective stakeholder.

Tokio Marine Group believes CSR is synonymous with theimplementation of its Corporate Philosophy and regards
CSR as an issue for raising the trust of customers andlocal communities and for generating social value. In the
future as well, we will focus on dialogue, collaboration andcooperation with stakeholders that include customers,
business partners and members of the local community.
We will also promote CSR activities with the participationof every employee through all our business activities,
from the provision of products and services to donationsand volunteer activities. Additionally, we will make efforts
toward value creation together with our stakeholders.

February17, 2016

January 17,
2017

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We will seize changes in risk accompanying the frequent
occurrence of natural disasters and shifting demographics
as business opportunities that lead to growth. We will
also further advance our CSR initiatives that bring majorchanges to risk and will focus efforts on our three core
CSR themes of “Providing Safety and Security,” “Protecting
the Earth” and “Supporting People.” By doing so, we willcontribute to the creation of a secure, safe and sustainable
future.

Disseminating I felt that the communication
information to and design were inadequate.
society
I look forward to seeing Tokio
Marine Group disseminate
information with a greaterawareness of the visualizationand visibility of its CSR
activities.

CSR Management

I would like to see Tokio Marine
Group, as a professional in risk
management, turn future risksof the global community into
“opportunities.”

In our Sustainability Report 2016, we established the item
“Relationship between Group Initiatives and SDGs” andexpressed the direction of efforts for CSR activities that areconnected to the SDGs.

Core Theme 3 /Supporting People

CSR
materiality
and CSRapproach

We commissioned an external think tank to investigate thesocial impact of mangrove planting that we have carriedout since 1999. Calculations show that as of the end of
March 2014, mangrove planting has generated economic
value of around 35 billion yen and brought positive effects
to the mangrove forests and the approximately 1.25 million
people living in the surrounding regions. We introduce theMangrove Planting Project in our news releases as well as ina Special Feature article in the CSR Booklet 2016.

February17, 2016

I’d like to see Tokio Marine, asa trailblazing company in CSR,
express the direction it intends
to advance its CSR activities
that are connected to the 2030
global SDGs.

Core Theme 2 /Protecting the Earth

Take on thechallengeof turning
January 30,
risks into
2015
“opportunities”

Amid expectations forstrategic CSR by companies,
it is essential to incorporate aperspective that looks at whattypes of impact Tokio Marine
Group’s activities are having onsocial issues. I’d like to see thisdone, for example, through the“visualization” and disclosureof the impact of mangrove
planting on local communities.

CSR initiatives
through our
main businessCore Theme 1 /Providing Safety and Security

Opinions

Governance

Items

Tokio Marine Group's CSR

Date ofdialogue23

ItemsI am hoping to see Tokio
Marine Group make efforts tofurther enhance and promote
ESG investment initiatives and
ESG information disclosure.

Three Tokio Marine Group companies, namely Tokio Marine
Asset Management, Tokio Marine Capital and Tokio Marine& Nichido, are signatories to The Principles for Sustainable
Insurance (PSI) of the UNEP FI and are working to promote
ESG investment as asset managers and as asset owners andwill step up these efforts in the future.

Contributing
to theAttainment ofSDGs throughBusiness
Activities

SDGs require the efforts ofthe private sector based on
the idea of benefits for fivesides that include sellers,
buyers, society, our future andthe earth. One of the main
facets of the SDGs is “No one
left behind,” which values
inclusiveness and diversity.
One representative groupthat tends to get left behind
is youth, who are the bearersof our future. The earth issomething borrowed fromour children. Therefore, I ask
for everyone’s cooperationin promoting the SDGs toensure the earth continues tobe sustainably handed down
as something beautiful to thenext generation.

Tokio Marine Group has set “Supporting People” as one
core CSR theme and actively promotes education andawareness activities for children, who are responsible forour future. For example, Tokio Marine Group holds a variety
of programs with the participation of all employees that
include Disaster Prevention Lessons to prepare for the next
major disaster and Green Lessons based on the theme ofmangroves (both for elementary school children) as wellas Group Work on Managing Risks and Opportunities (forjunior high school and high school students), a career
education program that provides an awareness of insurance
through a management game. In the future as well, Tokio
Marine Group will promote education and awarenessactivities for children.

December19, 2018

Responding to Urbanization and slumification
the Protection are progressing throughout
the world. During the nextGap
10 years, 95% of the world’s
urbanization will occur indeveloping countries while
the population of persons
living under vulnerable
circumstances will also
increase. These persons areespecially vulnerable todisasters. Natural disasters
are increasing in scale due inpart to the impact of climatechange. Protecting thesevulnerable persons is thus also
one reason for companies topromote the SDGs.

In 2001, Tokio Marine Group established IFFCO-TOKIO
General Insurance Co., Ltd. (IFFCO-TOKIO), a non-life
insurance company, as a joint venture with Indian Farmers
Fertiliser Cooperative Limited (IFFCO), which has anationwide network of 38,000 member cooperatives, andstarted offering auto, fire and other insurance in India. At
the same time, Tokio Marine Group sought to resolve thelifestyle of uncertainty faced by farmers in India throughinsurance and is developing and providing weather
insurance and microinsurance (low-cost insurance) as wellas accident insurance as an incidental to fertilizer and grain
and medical insurance with subsidies from the local state
governments in India’s rural communities. In the future,
Tokio Marine Group will continue contributing to thedevelopment of regional communities and solving poverty
issues by providing products and services for sociallyvulnerable persons in India and other regions.

ESG
Investment
Becomes
Mainstream

As expressed in “Guidancefor Integrated Corporate
Disclosure and CompanyInvestor Dialogues for
Collaborative Value Creation”(Guidance for Collaborative
Value Creation) announced
by the Ministry of Economy,
Trade and Industry (METI)
in 2017, companies must
demonstrate to investors thatsolving issues related to ESG
through business activities is
the source of corporate value
creation. Rather than talking
about only individual elementsof ESG, companies are being
asked to comprehensively
identify these as elements of
medium-to-long-term risks andopportunities and consider
how these elements are being
incorporated into corporate
growth strategies, what typeof influence these have on
the sustainability of businessmodels and how these arebeing addressed strategically.

December19, 2018

24

Tokio Marine Group regards ESG issues that are strongly
connected to the insurance business, such as “climate change
and natural disasters,”“demographic changes” and “technology
innovation,” as CSR materiality. Tokio Marine Group is working
to create a society resilient to natural disasters, promote healthmanagement and support the building of an ultra-smart society
through all its business activities, from providing products andservices to promoting donation and volunteer activities. In theseareas as well, we will also comprehensively consider ESG issues
as risk and opportunity elements and make efforts to solve social
issues and raise corporate value. Moreover, through our Integrated
Annual Report and Sustainability Report, we will strive to further
enhance communication with investors and other stakeholders
regarding our initiatives aimed at solving ESG issues.

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ESG
investment
becomes
mainstream

January 17,
2017

CSR Management

Tokio Marine Group believes that CSR represents theimplementation of its Corporate Philosophy and promotes
CSR activities with the participation of every employee
through all business activities. For example, with top
management actively leading the way, Tokio Marine Groupparticipates in initiatives for “learning about,” “watching”
and “taking part in” sports for persons with disabilities andwidely disseminates information about these initiatives andtheir value across society through its CSR Booklet.

Core Theme 3 /Supporting People

The most important pointin permeating CSR within acompany is the understanding
and strong message from top
management. The next task is
to build a scheme that skillfully
involves employees.

The dramatically accelerating
Tokio Marine Group believes CSR is synonymous with the
speed of technological
implementation of its Corporate Philosophy and strives toprogress and innovation has
strengthen its management foundation throughout all its
made it increasingly difficult
business activities. Regarding corporate governance, Tokiofor regulatory and supervisory Marine Group has endorsed the Corporate Governanceauthorities to assume every
Code and aims to build a sustainable management
situation and establish rules
structure based on the principles of the Code. For example,
beforehand. Regulatory
under the Corporate Governance Code, publicly listed
authorities thus have no
choice but to just issue major companies should appoint at least two independent
outside directors. However, the Company proceeded early
policies such as corporate
on to strengthen corporate governance functions suchgovernance codes. Against
as by appointing three or more outside directors since
this backdrop, respective
corporate governance reforms the establishment of the current company in 2002. Goingare being undertaken, such as forward, Tokio Marine Group will work to raise corporate
those implemented globallyvalue in a sustainable manner.
to “prevent a recurrence ofthe so-called Lehman Brothers
shock,” as well as those inJapan to “raise earnings power.”
All of these aim toward the
direction of “sustainablecorporate value creation.” In
Tokio Marine Group as well,I look forward to seeing theestablishment of principlesbased management strategies
and policies and the promotionof management thatsustainably raises corporate
value.

Core Theme 2 /Protecting the Earth

Permeating
CSR within
the Groupcompanies

PrinciplesBased
Regulatory
ComplianceandSustainable
Corporate
Value Creation

Core Theme 1 /Providing Safety and Security

Status of Group’s response

GovernanceOpinions

Tokio Marine Group's CSR

Date ofdialogueinformation disclosure, while implementing a variety of measures to realize fair and constructive
dialogue with domestic and overseas shareholders and investors.

Held individual meetings for overseas investors by the Group CEO and IR
officer in the United States, Europe and Asia and explained the Group’s
management strategies, business plan, business results and other conditions.

Disseminating IR information
through our website

Tokio Marine Group strives to disseminate accurate information in a fairmanner through its website. In addition to timely disclosure of financial
results and other information, Tokio Marine Group posts a wide rangeof various types of information in Japanese and English that helps withinvestment decisions. This includes annual securities reports, IR materials
and preliminary reports regarding the monthly business results of principal
subsidiaries.

end financial results, and at these briefings these managers explain management strategies and theprogress of these strategies and hold dialogues. We held an IR briefing on our overseas business,
which had been much requested by investors, for the first time in fiscal 2018. The session was held inthree major regions in the world, namely, London, New York and Tokyo, with the participation of top
management of our major Group companies overseas. Additionally, we actively hold interviews withshareholders and investors in Japan and overseas and held a total of 410 interviews in fiscal 2018. For
individual investors, we hold an annual IR conference led by the Group CEO, while the IR officer andothers actively convene briefings in various cities throughout Japan.
The valuable opinions that the Company receives from shareholders and investors through these
activities and the General Meeting of Shareholders are regularly reported to the Board of Directors,
shared broadly as feedback to management and all Group employees and are used in improving
management.
Tokio Marine Group actively disseminates IR information in Japanese and English on its website andCore Theme 2 /Protecting the Earth

Briefings for overseas investors

briefings led by top managers, beginning with the Group CEO, following the interim and fiscal year-

Core Theme 1 /Providing Safety and Security

Briefings for individual investors

Held a briefing for individual investors led by the Group CEO on the theme of“Tokio Marine Group’s management strategy.” Also held briefings in various
cities in Japan by the IR officer, mainly at seminars sponsored by securities
companies (a total of 14 times in fiscal 2018).

For institutional investors, besides holding conference calls on financial results, we also hold IR

Governance

Briefings for analysts and institutional
investors

Besides holding conference calls on financial results, we convened a briefing(November 2018) about the state of progress of our Mid-Term Business
Plan “To Be a Good Company 2020,” which was launched in fiscal 2018, andalso held an IR briefing (May 2019) on “Tokio Marine Group’s management
strategy.” At the briefings, the management team, led by the Group CEO,provided explanations and engaged in question and answer sessions withattendees.

To assure transparent and fair management, Tokio Marine Holdings works for timely and appropriate

Tokio Marine Group's CSR■ Principal IR Activities

Engagement with Shareholders and Investors

Engagement with the Local Community
Tokio Marine Group promotes local community and social contribution activities in collaboration
with NPOs committed to solving various issues in local communities. For the Mangrove Planting
Project, one of the most notable initiatives undertaken by the Group, we have formed a long-term
partnership with the NGO Action for Mangrove Reforestation (ACTMANG) specialized in mangrove
and International Society for Mangrove Ecosystems (ISME). Besides planting mangroves, we also
cooperate in improving environmental awareness and promoting industries in designated planting
regions, such as providing environmental education and workshops for local residents and children.

Briefing for individual investors

In Japan, we collaborate with Nippon NPO Center, eight Environmental Partnership Offices located

CSR Management

planting, Organization for Industrial, Spiritual and Cultural Advancement-International (OISCA)

Core Theme 3 /Supporting People

posts a wide range of various types of information that assists in making investment decisions.

nationwide and environment-related NPOs throughout the country and carry out the Green Gift
primarily targeting children.

25

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Planet GENKI Program that encourages experience-based, environmental protection activities

Tokio Marine Group's CSR

External Evaluations and Participation in Initiatives
Tokio Marine Group is working to improve its initiatives in environmental, social and governance

MSCI Japan ESG Select Leaders Index (ESG index)(ESG) fields and has received numerous evaluations and awards in Japan and overseas. Also,

MSCIsustainable future, Tokio Marine Group also participatesin various initiatives that include the United Nations
Global Compact (UNGC), the United Nations Environment

MSCI Japan Empowering Women Index (WIN) (thematic index/social)
MSCI

Nations Principles for Responsible Investment (PRI).

Dow Jones Sustainability IndiceEvaluation from ESG and SRI Rating Agencies
In recent years, attention has been focused on ESG investment, Socially Responsible Investment

Robeco SAM(SRI) and Sustainable and Responsible Investment, which evaluate corporate ESG risk and the stateof initiatives for business opportunities in addition to corporate economic performance from theEthibel Sustainability Index
Forum Ethibel

Tokio Marine Holdings works toward transparency in its disclosure of ESG information and has earned
high acclaim from numerous global ESG and SRI indexes. As of the end of August 2019, Tokio Marine
was listed in the ESG and SRI indexes shown below.
2019 Health & Productivity Stock Selection (fourth consecutive year since 2016)

ESG or SRI Index/ESG or SRI Rating

Rating Agency

FTSE4 Good Index
FTSE Russell

FTSE Blossom Japan Index（ESG index）

Ministry of Economy,
Trade and Industry

2019 Nadeshiko Brand

26

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Ministry of Economy,
Trade and Industry
andthe Tokyo Stock Exchange

FTSE Russell

CSR Management

Outstanding Health and Productivity Management 2019, large enterprise
category ( White 500) (Tokio Marine Holdings, Tokio Marine & Nichido, Tokio
Marine & Nichido Life Insurance, Tokio Marine & Nichido Medical Service, Tokio
Marine & Nichido Risk Consulting, Tokio Marine & Nichido Systems)

Core Theme 3 /Supporting People

Ministry of Economy,
Trade and Industry
andthe Tokyo Stock Exchange

Inclusion in ESG/SRI Index

Core Theme 2 /Protecting the Earthperspective of the sustainability of society.

Core Theme 1 /Providing Safety and Security

Programme Finance Initiative (UNEP FI) and the United

Governanceto contribute to the creation of a safe, secure andTokio Marine Group supports and respects the Universal Declaration of Human Rights, the ILO Core

UNEP FI Principles for Sustainable Insurance (UNEP FI-PSI)

Labour Standards and the OECD Guidelines for Multinational Enterprises. Also, Tokio Marine Group

Tokio Marine Group's CSR■ Sustainable Finance and Insurance

Participation in Initiatives

Approximately 200 financial institutions around the world participate in the
United Nations Environment Programme Finance Initiative (UNEP FI), an

stakeholders through participation in initiatives beginning with the United Nations Global Compact

initiative that surveys, researches and puts into practice business approaches(UNGC) and the United Nations Environment Programme Finance Initiative (UNEP FI).

that consider economic development, the environment and sustainability.
In December 2017, the Asia Pacific Roundtable marking UNEP FI’s 25th

The United Nations Global Compact

this roundtable as a sponsor and disclosed climate-related financial data,

The United Nations Global Compac t is a voluntar y initiative forto the discussions at these conferences.

anniversary was held in Tokyo. Tokio Marine & Nichido provided support forproactively participated in insurance-themed conferences and contributed

participation by companies in the creation of a global framework under
UNEP FI

which companies exercise responsible and creative leadership to act as
good members of society to realize a sustainable society.

Core Theme 1 /Providing Safety and Security■ Human Rights, Labour, the Environment and Anti-Corruption

Governancewill contribute to the creation of a safe, secure and sustainable future in collaboration with various

The Principles for Sustainable Insurance (PSI) of the UNEP FI is a Working
Group that surveys, researches and executes environmental, social andlabour, the environment and anti-corruption advocated by the UNGC

governance (ESG) initiatives in the insurance industry.

coincide with Tokio Marine Group’s own approach to CSR as well as its
CSR Charter. Therefore, Tokio Marine Holdings has been a signatory to

Tokio Marine & Nichido also supports the intent and policies of the Principles

and expresses its support for the UNGC since 2005.

for Sustainable Insurance (PSI) spearheaded by UNEP FI, and in addition toCore Theme 2 /Protecting the Earth

The ideas and contents of the ten principles concerning human rights,

co-hosting the PSI Regional Consultation Meeting for Asia with UNEP FI in
November 2011, the company participated in the formulation of principles

Compact Network Japan (GCNJ) and in fiscal 2018 participated in suchof action and became a founding signatory to PSI in June 2012. The company

initiatives as the Meeting for Considering the Management of Tomorrow,is promoting insurance industry initiatives that consider ESG issues together

SDGs Working Group and the Disaster Prevention and Mitigation Working

with insurance companies in regions around the world.

Group, among others. From fiscal 2019 and beyond, Tokio Marine
From fiscal 2018, Tokio Marine & Nichido participates in the PSI TCFD Insurer
Pilot Working Group and is working to create guidelines of climate-related
Tokio Marine Holdings summarizes and reports every year on the status offinancial disclosure based on TCFD recommendations related to the global

initiatives for addressing the ten principles of the United Nations Global

insurance industry.

Compact.

The United Nations Global Compact

27

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PSI of UNEF FI
Communication on Progress (PDF/663.3KB)

CSR Management

Holdings will promote these initiatives as “PARTICIPANT.”

Core Theme 3 /Supporting People

Tokio Marine Holdings is participating in the United Nations Global

(Principles for Financial Action for the 21st Century)

UN Principles for Responsible Investment (PRI)

Based on a suggestion from the Ministry of the Environment’s Central

The United Nations Principles for Responsible Investment (PRI) is an

Environment Council Expert Committee on Environment and Finance, theinitiative led by UNEP FI and the United Nations Global Compact that

Principles for Financial Action for the 21st Century were compiled in 2011expresses and puts into practice stances and policies that consider ESG

by Japan’s Environmental Financial Action Principles Drafting Committee,

issues in investment decisions by financial institutions and institutional

which featured the participation of a wide range of financial institutions, withinvestors.

the aim of broadening the circle of initiatives for environmental financing.
The following Tokio Marine Group companies agree with the thinking ofinstitutions to promote optimal initiatives in their main businesses for

PRI and have signed the Principles.

addressing a host of issues they face directly such as environmental, socialand governance issues. Under these principles, financial institutions seek

Initiatives

Tokio Marine AssetManagement (April 2011)

Signed the UN-supported PRI initiative, accepting these Principles as an asset
management company. The company established a responsible investment committee
composed of the chief asset managers of each line, as well as a responsible investmentgroup. Through these steps, the company develops basic policies, processes and systems
concerning responsible investment, and undertakes initiatives that take into account ESG
issues during investment analysis, product development and exercise of voting rights.

Tokio Marine & Nichido(August 2012)

As an insurance firm that has taken ESG issues into account in its insurance underwriting,investment analysis and other actions, the company signed the PRI.

to unify directions with such international initiatives as UNEP FI and PRI
and fulfill their necessary responsibilities and roles for the formation of asustainable society based on their concerns about the future of the earth.
Within Tokio Marine Group, Tokio Marine & Nichido is actively participating as a member of the drafting
committee and the following seven other Group companies have agreed with the intent of and signed thePrinciples. (As of August 31, 2019)• Tokio Marine & Nichido Fire Insurance

Japan Sustainable Investment Forum• Tokio Marine & Nichido Life Insurance• Nisshin Fire & Marine InsuranceCore Theme 2 /Protecting the Earth

Signatories (Timing)

Core Theme 1 /Providing Safety and Security

The Principles for Financial Action are aimed at enabling domestic financial

Governance■ Sustainable Investment

Tokio Marine Group's CSR

Ministry of the Environment Principles for Financial Action towards a Sustainable Society

Japan Sustainable Investment Forum (JSIF), a not-for-profit organization• E. design Insurance

Japan of sustainable investment and ESG investment, which are actively• Tokio Marine Asset Management

undertaken in Europe and the United States. JSIF functions as a venue
for information and opinion exchanges, discussions and investigative

the Insurance Business Working Group. At the Ordinary Meeting of the Principles for Financial Action

research among persons involved with SRI and ESG investment andconvened on March 11, 2015, earthquake and earthquake-induced tsunami risk research (industry-

aims for the sound development of SRI and ESG investment and for theacademia collaboration) carried out by Tokio Marine & Nichido and Tohoku University was selected as abuilding of a sustainable society.

Good Practice (insurance category).
As a member of JSIF, Tok io Marine & Nichido is par ticipating inIn the future as well, Tokio Marine Group will continue to promote initiatives toward the formation of ainvestigative research on SRI and ESG investment and in initiatives for thesustainable society.

sound development of this investment.
Japan Sustainable Investment Forum (JSIF)28

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Principles for Financial Action for the 21st Century

CSR Management

In fiscal 2018, Tokio Marine & Nichido and Tokio Marine & Nichido Life participated in the initiatives ofCore Theme 3 /Supporting People(NPO), carries out activities to promote the spread and development in• Tokio Marine Millea SAST Insurance

In June 2014, Tokio Marine & Nichido participated in the 6th Asian Ministerial Conference on Disaster
Risk Reduction in Bangkok, Thailand, sponsored by UNDRR and the government of Thailand, andheld in New Delhi, India, and sponsored by UNDRR and the government of India. In July 2018, Tokio

Global Compact (UNGC), the United Nations Environment Programme (UNEP) and United Nations

Marine & Nichido participated in the 2018 Asian Ministerial Conference on Disaster Risk Reduction

Framework Convention on Climate Change (UNFCCC) that is aimed at expanding the roles of businessheld in Ulaanbaatar, Mongolia, and sponsored by UNDRR and the government of Mongolia. At thesein devising climate change measures. As a member of Caring for Climate, Tokio Marine & Nichido isconferences, Tokio Marine & Nichido made presentations on its industry-academia collaboration

promoting initiatives for climate change measures.

initiatives as well as on the economic value of mangrove planting.

Tokio Marine & Nichido’s Mangrove Planting Project that commenced in 1999 and its Green Gift

On March 10, 2017, ARISE Network Japan held a public symposium in Tokyo based on the theme “How

Project that began in 2009 were incorporated as leading climate change adaptation practices in thebusinesses meet the challenge of extreme weather events ~ The challenge of companies toward

Caring for Climate report released in 2015 and entitled “The Business Case for Responsible Corporate

disaster resilience.” Tokio Marine Research Institute held a lecture based on the theme “Modeling

Adaptation: Strengthening Private Sector and Community Resilience.” This report was made public

flood risks of the Arakawa River valley during global warming under future climate change” andat the Caring for Climate Business Forum, an event related to COP21 convened in Paris in December

disseminated information that included research outcomes through the promotion of industry-

2015.

academia collaboration.

Core Theme 1 /Providing Safety and Securityin November 2016 participated in the 7th Asian Ministerial Conference on Disaster Risk Reduction

Launched in 2007, Caring for Climate is an international initiative convened by the United Nations

Governance

Caring for Climate

Tokio Marine Group's CSR■ Climate Change and Natural Disasters

Caring for Climate
Tokio Marine Group will continue to contribute to the creation of a safe, secure and resilient future.
Convening of Public Forums at the Third UN World Conference on Disaster Risk Reduction
The United Nations Office for Disaster Risk Reduction (UNDRR) — Private Sector Alliance for(in Japanese) (PDF/2.89MB)

Disaster Resilient Societies (ARISE)
In November 2015, The United Nations Office for Disaster Risk Reduction (UNDRR), a strategic

The Geneva Association —Climate Change and Emerging Environmental Topics (CC+EET)

launched Private Sector Alliance for Disaster Resilient Societies (ARISE) toward the strengthening and

The Geneva Association is an insurance industry think tank composed

reorganization of the Private Sector Partnership for Disaster Risk Reduction (DRR-PSP) for disasterof approximately 80 executives from major insurance companies around

prevention that Tokio Marine & Nichido joined in 2014.

the globe. As Vice Chairman of the Geneva Association, Tsuyoshi Nagano,President and Group CEO of Tokio Marine Holdings, leads and supports
surveys and research on important insurance industry issues (financial stabilization and regulation,

PSP in the Third United Nations World Conference on

extreme events and climate risk, aging of society, etc.) handled by the association. At the same time,

Disaster Risk Reduction held in March 2015 in Sendai andas Joint-Chairman of the “Climate Change and Emerging Environmental Topics” working group, he issponsored by UNDRR. Tokio Marine & Nichido contributed

taking the lead in undertaking surveys and research on climate change and natural disaster risk andto the success of the conference by holding three publicdisseminating related information to society.
Third United Nations World Conference on Disaster Risk
Reduction (Sendai, March 2015)

CSR Librarywith Tohoku University and The Geneva Association.

CSR Management

Tokio Marine & Nichido participated as a member of DRR-

Core Theme 3 /Supporting People

framework for disaster risk reduction adopted by United Nations member countries in 2000,

forums and operating an exhibition booth in cooperation

Core Theme 2 /Protecting the Earth

A Caring for Climate Report (PDF / 3.0MB)29

and the importance of collaboration with the private sector was emphasized. To implement the action

ClimateWise is an initiative in which approximately 30 leading insurers

issues specified under CAP, the Working Group on Disaster Risk Financial Solutions composed of financefrom around the world jointly carr y out studies and research on

and APFF is participating in discussions as a member. As part of such initiatives, Tokio Marine & Nichido

recommendations toward reducing the risks that climate change imposes

held the industry-academia collaboration panel discussion “Building a disaster-resilient community in theon economic and social life. The initiative is operated by the University of

Asia-Pacific —The power of science and insurance” at the World Bosai Forum in Sendai, Miyagi Prefecture,

Cambridge Institute for Sustainability Leadership (CISL) and participants

designing disaster risk financing from the perspective of the Asia-Pacific region and the points of thisMarine Kiln. Tokio Marine Kiln Group CEO Charles Franks serves as a

discussion were reflected in the chairperson’s summary at this forum. Meanwhile, APFF participated inmember of the ClimateWise Advisory Council.

the APEC Workshop on Financial Management of Public Assets against Disaster Risks, which was heldin June 2018 at the World Bank’s Tokyo office and convened practitioners from finance ministries inIn the future as well, Tokio Marine Group will continue to promote efforts

APEC member economies. At this workshop, APFF demonstrated actual examples of how risk modelingtoward mitigating and adapting to climate change.

techniques of insurance companies can be used effectively in disaster risk management for public assets
and emphasized the effectiveness of participation by private insurance companies in preparing for public

Activities Report

Core Theme 1 /Providing Safety and Securityin November 2017. At this forum, a discussion was held on the ways scientific knowledge is helpful infrom Tokio Marine Group include Tokio Marine & Nichido and Tokio

Governanceauthorities from nine APEC member economies and related international organizations was launchedvarious risks and opportunities related to climate change and make

Tokio Marine Group's CSR

Risk Financing and Insurance (DRFI*, Disaster Risk Financing and Insurance) was declared as a priority issue

ClimateWise

asset disaster risk.

ClimateWise (Secretariat: United Kingdom).

Tokio Marine & Nichido (Masaaki Nagamura, Special General Manager of Corporate Planning Dept.) isparticipating as a member of APFF and is leading discussions on DRFI within APFF.

Asia-Pacific Financial Forum

Tokio Marine Group will contribute to the creation of sustainable frameworks that respond to the state

The Asia-Pacific region faces high natural disaster risk and manyCore Theme 2 /Protecting the Earth

Tokio Marine & Nichido submits an annual activities report based on ClimateWise Principles toof development in each economy through dialogue with finance officials in each country as well as withother finance and insurance related parties.

region is also accumulating assets along with economic growth.
In view of these factors, enhancing economic indemnification* DRFI is a broad concept that bundles multiple countries and offers a wide variation of insurance schemes thatagainst natural disasters in some form is an urgent issue forrange from insurance that covers natural disaster risk, with countries being the insured party, to schemes under

the sound development of Asia-Pacific Economic Cooperation

which private-sector insurance companies provide earthquake insurance coverage for individual customers(APEC) member economies and also from humanitarian and

The Asia-Pacific Financial Forum (APFF), established in April 2013 in response to this situation as a platform
for public-private sector cooperation under APEC to promote the further integration and developmentof financial and capital markets and financial services in the Asia-Pacific region, recognizes disaster risk as

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one principal issue and has established a review team. In September 2015, the Cebu Action Plan (CAP) was

CSR Management

possessing regular homes and household goods, with governments serving as reinsurers.

national finance perspectives.

Core Theme 3 /Supporting People

areas are vulnerable to natural disasters. At the same time, theadopted at the Asia-Pacific Economic Cooperation’s Finance Ministers Process (FMP). Within CAP, Disaster30

Ministry of the Environment Eco-First System

The Carbon Disclosure Project (CDP) is an organization that drives

Eco-First is a system under which companies pledge to the Ministry of the

an initiative under which the world’s principal institutional investors

Environment that they will proactively undertake initiatives for protecting

cooperate in calling for companies worldwide to disclose their climate

the environment that include adopting global warming countermeasureschange strategies (risks and opportunities) and greenhouse gas (GHG)

and waste and recycling measures. Under the system, the ministryemissions. Tokio Marine & Nichido participates every year as a CDP

certifies those companies (top-notch companies within the industry) that

Signatory and is supporting survey research in the areas of corporate-“carry out visionary and unique business activities that lead the industry”

related climate change strategies and GHG emissions as well as energy

in environmental fields.

usage.
In 2008 Tokio Marine & Nichido was certified as an Eco-First company. In
fiscal 2014, Tokio Marine & Nichido obtained recertification based on a

Financial Stability Board (FSB) Task Force on Climate-related Financial Disclosures (TCFD)

new agreement. This was in recognition of initiatives aimed at protecting
the earth’s environment and preventing global warming through the

The Financial Stability Board (FSB) is a body that promotes coordination

insurance business. These include “offering environment-conscious

among authorities responsible for responding to vulnerabilities in theinsurance with the participation of customers through the Green Giftfinancial system and for ensuring the stability of the financial system.

focuses on climate change and natural disasters.” The main activities

supervisory authorities and finance ministries from various countries andbeing undertaken by Tokio Marine & Nichido as an Eco-First company are

regions as well as from principal standards establishment entities, theas follows.

IMF, World Bank, BIS and OECD.

• Provision of environmentally conscious insurance with the participation

The Task Force on Climate -related Financial Disclosures ( TCFD) is• Reducing own CO2 emissions by 40% by fiscal 2020 (compared with inconsistent, comparable, reliable, clear and efficient climate-related

fiscal 2006)

disclosures by companies in the financial sector and it released its final• Implement environmental awareness activities for children such asrecommendations in June 2017.

the Children’s Environmental Award program, Green Lessons, Disasterworking toward policy recommendations for encouraging disclosure that

In fiscal 2017, as a top-notch company within the insurance industry,

will contribute to the enhancement of investment decisions by engaging

Tokio Marine & Nichido participated in events sponsored by the Eco-Firstin discussions and exchanging opinions with public and private related

Promotion Council together with other Eco-First companies and carriedparties in Japan and overseas.

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Prevention Lessons and others.

Tokio Marine Holdings is supporting the activities of the TCFD and isCore Theme 3 /Supporting Peopleof customers through the Green Gift Project

entrusted by the FSB to formulate voluntary recommendations forCore Theme 2 /Protecting the Earth

Project” and “research centered on industry-academia collaboration that

Participants include representatives from central banks, financial

Core Theme 1 /Providing Safety and Security

CDP

Governance■ Environmental Value Creation

Tokio Marine Group's CSR■ Climate Change Disclosure

out environmental awareness activities. Going forward, Tokio Marine &environment and preventing global warming as an Eco-First company.

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Nichido will continue to promote initiatives for protecting the global

The government of Japan has set the target of attaining a 26% reduction

The Green Purchasing Network was established in 1996 as a facilitativein greenhouse gas emissions by 2030 compared with fiscal 2013. COOL

network and an information-disseminating organization of companies,

CHOICE is a national campaign that encourages all “smart choices” thatgovernment agencies and non-government organizations leading thecontribute to countermeasures for global warming, including for Japan’s

way in green purchasing. The network was established based on theenergy-saving and low-carbon products, services and behavior.

recognition that green purchasing plays a crucial role in the formation ofmarkets for environment-friendly products and represents an extremely
effective means of promoting the development of environment-friendly

being carried out by the government to counter global warming, and willproducts through markets and by extension for building a sustainable

work to make “smart choices” that contribute to the realization of low-society. As a member of the Green Purchasing Network, Tokio Marine &carbon operations in all business activities. This includes not only striving

Nichido promotes initiatives for green purchasing.

for power savings in summer and winter but also in areas ranging fromproducts and services to donations and volunteer activities.

Core Theme 2 /Protecting the Earth

Endorsement of the Ministry of the Environment’s “Fun to Share” Climate Change Campaign

Core Theme 1 /Providing Safety and Security

Tokio Marine & Nichido endorses COOL CHOICE, a national campaign

Tokio Marine & Nichido is amember of the Green Purchasing
Network.

GovernanceGreen Purchasing Network

Tokio Marine Group's CSR

Endorsement of the Ministry of the Environment's COOL CHOICE

The Ministry of the Environment has been undertaking the Fun to Shareclimate change campaign since March 2014. By sharing with all citizens
information, technologies and knowledge leading to the creation ofan enriched low-carbon society, the campaign aims to not only foster

Core Theme 3 /Supporting Peopleinterest in and a sense of crisis about global warming concerns but also
create opportunities for linking companies, organizations, communities
and citizens and realize Japan’s first “Lifestyle Innovation,” in which Japan
can take pride, throughout the world.
Tokio Marine & Nichido has endorsed the Fun to Share campaign and

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is actively promoting initiatives toward the realization of a low-carbon
society.

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Tokio Marine Group's CSR

Governance

GovernanceCorporate Governance >>We formulated the Tokio Marine Holdings Fundamental Corporate Governance Policy.

Tokio Marine Holdings has formulated the “Fundamental Corporate Governance Policy” and appropriately
exercises control over its Group companies. To achieve further development as a corporate group possessing
profitability, growth potential and soundness, in accordance with the “Basic Policies for Internal Controls,”
Tokio Marine Holdings has appropriately established and operates an internal control system for management
control of Group companies as well as for compliance and risk management.

Respect for Human Rights >>In implementing our Corporate Philosophy, we have formulated the Tokio Marine Group CSR
Charter as principles of conduct required from the perspective of social responsibility, and we
strive to respect and promote the recognition of human rights among stakeholders.

Initiatives for Building a Low-Carbon Society >>Tokio Marine Group specifies climate change and natural disasters as issues having CSR
materiality (material CSR issues) and is disclosing climate-related information based on therecommendations of the Task Force on Climate-related Financial Disclosures (TCFD).

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Creating a Society Where People Can Live with Security through Sustainable Investments
and Financing >>Tokio Marine Group gives consideration to the environment, including climate change, as well as
to society and governance in its investment and financing operations.

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CSR in the Value Chain >>We are executing environmental, social and governance (ESG) initiatives that are integrated
into our value chain. In terms of respect for human rights, in particular, we strive to respect andpromote the recognition of human rights within the value chain based on the Tokio Marine
Group CSR Charter.

Through the application of its Corporate Philosophy, Tokio Marine Group strives to contribute to thesustainable development of society while perpetually enhancing the Group’s corporate value. Based on thisthinking, we formulated the “Tokio Marine Group CSR Charter” as action guidelines for all employees andare working to respect and promote
Value Creation
Continuously Enhancing Shareholder Value
the recognition of human rights among
stakeholders and in our value chain.
Additionally, we aim to contribute to therealization of a sustainable society throughsustainable investment and financing thatgives consideration to environmental,social and governance (ESG) issues.

Core Theme 3 /Supporting People

Internal Control >>The Tokio Marine Group’s internal control initiatives are introduced.

Core Theme 2 /Protecting the Earth

CSR Materiality (Material Issues)
Tokio Marine Group is “strengthening CSR management” as the• Enterprise Risk Management (ERM)basis for implementing CSR. Tokio Marine Group will strive to make• Corporate governance / Internal control
qualitative improvements to corporate governance, compliance• Strengthening of international supervisory
regulations
and risk-based management (ERM: enterprise risk management)• Changes in the global economy and financial
environment
from the perspective of strengthening global-based operations and• Generate and distribute economic value
management while responding appropriately to changes in the
global economy and financial environment and the strengthening of international supervisory regulations, aswell as make efforts to generate and distribute economic value. By doing so, Tokio Marine Group aims to raise
the level of stakeholder trust and contribute to the creation of a secure, safe and sustainable future.

Core Theme 1 /Providing Safety and Security

To earn the trust of all people and society and achieve sustained growth, Tokio Marine Group must raise
the quality of initiatives for addressing governance issues based on “governance,” “internal control” and “riskmanagement” and build a resilient structure for highly sound and transparent management as a global
insurance group.

Tokio Marine Holdings (“the Company”) has formulated “Basic Policies for Internal Controls.” Inaccordance with these policies, the Company has established an internal control system for theentire Tokio Marine Group that encompasses structures for management control, compliance andanti-corruption, risk management, customer protection, response to anti-social forces and internal
auditing of Group companies. The Company employs this system to ensure proper operations whileraising corporate value.
Additionally, the Company monitors the status and practical application of its internal control system.
The Board of Directors confirms the details of the monitoring based on deliberations at the Internal
Control Committee. In addition, the Company continually strengthens and improves its internal
control system in light of the results of this monitoring.

Corporate Governance Code

1. Compliance and Anti-Corruption >>Tokio Marine Group’s Corporate Philosophy is to continuously enhance corporate value, withcustomer trust at the base of all its activities, and we position strict compliance as the heart ofthis Corporate Philosophy. Tokio Marine Group makes thorough efforts for observing applicablelaws, rules and regulations and internal regulations and for conducting fair and equitablebusiness activities within social norms.

2. Risk Management >>To ensure financial soundness and appropriateness of business operations, Tokio Marine Grouphas identified the various risks surrounding it in an overall fashion and implements appropriate
risk management corresponding to the nature, status and other attributes of the risks.

3. Information Security >>In compliance with the Personal Information Protection Law, the Act on the Use of Numbers
to Identify a Specific Individual in the Administrative Procedure and relevant guidelines, the

The Company complies with all 73 principles of the above Corporate Governance Code, beginningcompanies of Tokio Marine Group establish internal regulations, undertake employee education

with Principle 2.3, and submits the Corporate Governance Report (as of June 2018). The Company will
Corporate Governance (Corporate Governance Report)

34

CSR Libraryand monitoring and carry out thorough information management.

continue to make efforts to enhance its corporate governance.

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Reference: Japan’s Corporate Governance Code Principle 2.3 Sustainability Issues, Including Social andEnvironmental Matters
Companies should take appropriate measures to address sustainability issues, including social andenvironmental matters.

Core Theme 3 /Supporting People

Corporate governance is a mechanism for companies to carry out transparent, fair, timely anddecisive decision-making, with due attention to the needs and perspectives of shareholders and also
customers, employees and local communities. The Corporate Governance Code encourages individualcompanies’ self-motivated actions so as to achieve sustainable growth and increase corporate value
over the medium to long term and aims to promote the development and success of companies,
investors and the Japanese economy as a whole.

Core Theme 2 /Protecting the EarthIn March 2015, “The Council of Experts Concerning the Corporate Governance Code” (Chairman:
Kazuhito Ikeo, Professor of Economics and Finance, Keio University), for which the Financial Services
Agency and Tokyo Stock Exchange, Inc. serve as joint secretariat, confirmed and announced “Japan’s
Corporate Governance Code [Final Proposal]~Seeking Sustainable Corporate Growth and Increased
Corporate Value over the Mid- to Long-Term~” based on the Japan Revitalization Strategy (Revised in2014, Cabinet decision in June 2014). In response, the Corporate Governance Code, which consists ofthe content of this original draft proposal for this Code, was formulated on the Tokyo Stock Exchange
and other financial securities exchanges. Application of the Corporate Governance Code began inJune 2015.

Core Theme 1 /Providing Safety and Security

For this purpose, the Company hereby establishes a sound and transparent corporate governancesystem and, as a holding company, recognizes the importance of appropriate control over its Group
companies and has formulated the “Tokio Marine Holdings Fundamental Corporate Governance
Policy.” In this Policy, the Company defines the rights of shareholders and securing fairness, and the
responsibilities of the Board of Directors, etc.
Tokio Marine Holdings Fundamental Corporate Governance Policy

Governance

Tokio Marine Holdings (“the Company”) is committed to the continuous enhancement of corporate
value by fulfilling its responsibilities to shareholders, customers, society, employees and otherstakeholders as set forth in the “Tokio Marine Group Corporate Philosophy.”

Tokio Marine Group's CSR

Internal Control

Corporate Governancewith the aim of becoming a Good Company trusted by local communities and society at large. Our
anti-corruption activities are designed to help us become a Good Company and are indispensable in

implementing various compliance-related initiatives based on its belief that it is important tothe creation of a sustainable future.

thoroughly implement compliance through its day-to-day business, with employees and agents
Tokio Marine Group formulated the Tokio Marine Group CSR Charter in 2004, which states, “Whilemaintaining high ethical standards.

striving to maintain high ethical standards at all times, we will pursue strict compliance in all aspectsof our business activities.” With this in mind, we are committed to promoting fair operating practices

Tokio Marine Group defines compliance as “observing applicable laws, rules and regulations and(including anti-corruption) in accordance with international standards. Pledging agreement withinternal regulations and conducting fair and equitable business activities within social norms” andthe intent and purpose of the United Nations Global Compact (UNGC) in 2015, we are working on

thoroughly implements compliance in this manner.

activities based on the 10 Principles of the UNGC relating to human rights, labor, the environment

Tokio Marine Holdings Complianceand anti-corruption.
Tokio Marine & Nichido, the Group’s major insurance company, states in its Compliance Manual a

Tokio Marine Group is committed to the continuous enhancement of its corporate value, withdedication to strict compliance with laws, regulations and internal rules, to the exercise of sincere

customer trust at the base of all its activities. The Tokio Marine Group Code of Conduct sets forthand fair corporate activities in accordance with social norms, and to not accepting gifts, donations,ethical standards that are essential for translating this Corporate Philosophy into action fromentertainment or other forms of bribery that are socially inappropriate or in violation of laws. As such,a compliance perspective, and shall be given the highest priority in all aspects of our business

we are working hard to prevent corruption through all of our business activities.

operations and activities.
In addition, at our Group companies in Japan and overseas, we are striving to prevent corruption

Tokio Marine Group Code of Conduct (abridged)

through compliance with local laws and regulations and by adopting a compliance framework indue consideration of the laws and regulations of each foreign country relating to the prohibition of

The Group has installed internal and external hotlines in the event that it is not appropriate forbribery to public servants and others.

directors, officers and employees of Group companies to report and consult on an issue or potential■ Response to Anti-Social Forces

issue in compliance through organizational channels.

Tokio Marine Group has formulated the “Tokio Marine Group Basic Policies Concerning Responses
to Anti-social Forces” so that Group companies can resist anti-social forces and make concerted andconsultations strictly confidential according to the Whistleblower Protection Act of Japan, anduniform responses. Initiatives are being promoted based on the following basic concepts.

ensures that individuals making such reports and consultations as well as personnel investigating
1. To ensure it consistently undertakes fair management and widely contributes to the development

such reports and consultations are not treated in a disadvantageous manner.

of society as a good corporate citizen, Tokio Marine Group shall sever all relationships with anti-social

Tokio Marine Group Complianceforces and forcefully repudiate any illicit demands made by them as a basic matter in the applicationof its Corporate Philosophy. In association with lawyers, police and other professionals, it will respondTokio Marine Group strives to resolve issues faced by society by making the most of its abundant

to anti-social forces in an uncompromising and organized manner.

knowledge and experience accumulated over many years in the insurance industry. We contribute to35

CSR Library■Anti-Corruption Initiatives

CSR Management

The Group keeps personal and other information on individuals making such reports andCore Theme 3 /Supporting People■Hotline System (Internal Whistleblower System)

Core Theme 2 /Protecting the Earth■Tokio Marine Group Code of Conduct (abridged)

Core Theme 1 /Providing Safety and Security■Tokio Marine Group Compliance System

Governance

Tokio Marine Group, which places customer trust as the foundation of all its activities, is

Tokio Marine Group's CSR

the creation of a safe, secure and sustainable future while continuously raising our corporate value

1. Compliance and Anti-Corruption

management corresponding to the nature, status and other attributes of the risks.

(1) Take action as a unified organization while ensuring the safety of directors, officers and employees;
The Company promotes the development and enhancement of the risk management system for the(3) Sever all known relationships, including transactions, and repudiate any illicit demands;

entire Group in accordance with the “Tokio Marine Group’s Basic Policies for Risk Management.” The(4) Take legal action at either the civil or criminal level for any contingency; andCompany also manages quantitative risks for the Group in order to maintain credit ratings and to(5) Prohibit backroom deals and funding.

forestall insolvency in accordance with the “Tokio Marine Group’s Basic Policies for Integrated Risk
Management.”
Among the various risks, the Company recognizes that insurance underwriting risks and investment

social Forces,” Tokio Marine Group shall promote initiatives that include setting up controllingrisks must be managed as sources of earnings. The Company therefore controls these risks

departments, establishing reporting and consultation rules and systems for when a problem occurs

considering the balance between risk and return. The Company also identifies administrative risks,

and implementing training activities.

system risks and other associated risks (such as cyber risk and risk of information leak) that arise fromthe Group’s business activities and strives to prevent the occurrence of or reduce these risks.

■Initiatives Concerning the Assurance of Appropriate Financial Reporting and Tax Reporting
The Company presents its basic policies for risk management and provides instruction, guidance,

for ascertaining the Company’s consolidated financial condition and the financial condition ofmonitoring, and other services to domestic and overseas Group companies through the Risk

Group companies and for appropriately undertaking approval and reporting procedures directed at

Management Department and the Business Divisions. Group companies establish risk management

shareholders and supervisory agencies as well as for tax reporting.

policies in line with the policies of the Group and execute risk management independently. For cyberrisk and risk of information leakage, the Company conducts tests relating to emergency response

All tax planning initiatives follow the substance and purpose of our business activities. The Group

once a year and as a separate initiative teams up with other organizations to practice emergency

does not engage in tax planning solely to reduce tax intended for tax avoidance, without a suitable

response.

commercial rationale or in a way contrary to the purpose of relevant tax laws and regulations.

Core Theme 2 /Protecting the Earth

Tokio Marine Group has formulated the Basic Policies for Accounting and is establishing a structureCore Theme 1 /Providing Safety and Security

Taking into consideration the “Tokio Marine Group Basic Policies Concerning Responses to Anti-

Governance(2) Contact relevant external institutions that specialize in such matters;

Tokio Marine Group's CSR

2. Tokio Marine Group shall respond to anti-social forces based on the following measures.

Through the above measures, the Company executes proper risk management and ensures stablebusiness operations of the entire Group.
■ Basic Policy for Responding to Disasters (Tokio Marine & Nichido)

2. Risk Management

In the event of a natural disaster such as an earthquake or a typhoon, Tokio Marine & Nichido has a
crucial social mission of ensuring that it can continue its important business operations as a non-life

identified the various risks surrounding it in an overall fashion and implements appropriate risk

insurer such as receiving accident notices, paying on claims, maturity refunds and other payables,

management corresponding to the nature, status and other attributes of the risks.

and concluding policies in both the disaster-stricken area and elsewhere.
Therefore, Tokio Marine & Nichido has prescribed the following two points as its Basic Policies of theTokio Marine Holdings Risk Management

Business Continuity Plan for Disasters and formulated a Business Continuity Plan (BCP).
■ Risk Management System
Tokio Marine & Nichido’s Basic Policies of the Business Continuity Plan for Disasters,

identified the various risks surrounding it in an overall fashion and implements appropriate risk

abridged version (in Japanese) (PDF/115.5KB)

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To ensure financial soundness and appropriateness of business operations, Tokio Marine Group has

CSR Management

To ensure financial soundness and appropriateness of business operations, Tokio Marine Group has

Core Theme 3 /Supporting People

Tokio Marine Group Global Tax

The infrastructure needed to provide claims services swiftly to the metropolitan area in the event

1. Principles of employees’ conduct in times of disasters

of a natural disaster has been built in advance in the locations where the above-mentioned backup

The priority order for employees’ conduct in times of disasters is as follows.

offices and satellite offices would be established. In this way, a structure for claims payment services
during times of emergency is being established.

• Cooperate in securing the safety of local communities• Continue important operations (business continuity)

Non-earthquake regular claims cases, including for automobile accidents, shall be allocated to andIn other words, the principle of employees’ conduct is to give precedence to “assure the safety ofhandled by claims service bases throughout Japan prescribed in advance.
■ ESG Integration into Insurance Underwriting Risk Management“business continuity.”

Since July 1, 2017, Tokio Marine & Nichido has revised its “Insurance Product Development and2. Basic policy for business continuity

Revision Procedure” so as to include “CSV (Resolving social issues through business)” as one of the

The following three business operations shall be regarded as important business operations during

goals of product development and revision, and also provides environmental and social factors as

a disaster, management resources (personnel, funds) shall be transferred as needed and top priority

checkpoints for reducing risks when developing and/or revising an insurance product.

shall be given to the continuation of these important business operations.
Since April 1, 2018, Tokio Marine & Nichido has revised its “Insurance Underwriting Risk Management• Payment of claims, maturity refunds and other payables

Manual” so as to clearly include environmental and social factors as the checkpoints for insurance• Conclusion of insurance contracts

product development and revision.

■ Building a Structure for Paying Insurance Claims Benefits in the Event of a Disaster Striking■ ESG-related exclusions in Insurance Underwriting

the Tokyo Metropolitan Area

Tokio Marine & Nichido has implemented ESG-related exclusions in its insurance underwriting.

At Tokio Marine & Nichido, should the Head Office facilities in particular become unusable because

Examples include the followings.

Core Theme 2 /Protecting the Earth• Receiving of accident notices

Core Theme 1 /Providing Safety and Security

human life” and “cooperate in securing the safety of local communities” before conduct related toGovernance• Assure the safety of human life

Tokio Marine Group's CSR

Basic Policies of the Business Continuity Plan for Disasters

of a disaster such as a major earthquake striking the metropolitan area, earthquake claims cases forcompliance declaration, make every effort to respond to all anti-social forces in an appropriate

payment service responses, excluding on-site assessments after receiving claims, shall be made by all

manner by positioning the severance of relationships with them and the refusal of unfair demands

branches throughout Japan.

from them, etc. as fundamental matters in the practice of its corporate philosophy.

If the metropolitan area is struck by a disaster, a Claims Service Headquarters would be set up within-Various sanctions and limitations: Under the circumstance that various sanctions and limitations

the Head Office Disaster Response Headquarters. At the same time, a satellite office centering on the

aimed for the purposes of security, etc. have been resolved and enforced by governmental bodies,

Claims Service Department in charge of Tokyo, Chiba, Saitama and Kanagawa prefectures shall be set

Tokio Marine & Nichido may not provide coverage, pay insurance claims and provide other services

up and will accept support personnel from throughout Japan and handle customer responses, mainly(with respect to insurance claims, any claims related to these sanctions and limitations will be

on-site claims assessments, in disaster-stricken areas.

excluded from payment regardless of the terms of the insurance contract).

CSR Management-Anti-social forces: Tokio Marine & Nichido shall, in accordance with its corporate philosophy andshall be launched at multiple bases throughout Japan, including in the Kansai region, and claimsCore Theme 3 /Supporting People

residential earthquake insurance shall be handled in the Kansai region. Additionally, backup offices

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the Group, shall comply with the Act on the Protection of Personal Information, Act on the Use of
Numbers to Identify a Specific Individual in the Administrative Procedure and other relevant laws,

entire Group as the controlling department while sections in charge of information security haverules, regulations and guidelines, appropriately manage personal information, individual number

been established at each Group company. In this manner, the Group is working to build an effective

and specific personal information (hereinafter referred to as “Specific Personal Information, etc.”)

management structure for information security.

as well as anonymized information as described below, and implement other appropriate security

Tokio Marine Group Basic Policies for Information Security Management

measures for the protection of personal information of our customers.

We thoroughly adhere to information security management rules to prevent information leakages. In

1. We shall acquire personal information and Specific Personal Information, etc. of our customers inparticular, each Group company is adopting physical and technological safety-control measures thata manner that is both legal and fair. Unless prescribed by law, rule or regulation, we shall notify or

include locking away customers’ personal information and confidential documents when not in use,

publicize the purposes for using personal information and Specific Personal Information, etc. of ourplacing restrictions on taking documents and other items outside the company, and using encryption

customers and shall use such information within these limits.

and setting passwords for electronic information.

2. Unless prescribed by law, rule or regulation, we shall not provide personal information of ourcustomers to third parties without prior consent of each such customer. We do not provide Specific
Personal Information, etc. to third parties except in cases provided by law. There shall be no joint

terminals are not equipped with hard disks and information is centrally managed and deployed fromuse of Specific Personal Information, etc. with Group companies and business partners. Additionally,a server, which thereby further strengthens information security.

unless otherwise prescribed by law, rule or regulation, when we provide personal data to a third*A method whereby the PC environment (client OS and applications) for each user is consolidated into and operated by the server

party, we shall record the matters pertaining to the provision, and when we acquire personal datafrom a third party, we shall verify and record the matters pertaining to the acquisition.
3. We shall strive to prevent the divulgence, destruction, impairment and unauthorized access of

Tokio Marine Group has acquired external certification for information security including Information

personal information and Specific Personal Information, etc. of our customers. When we contract out

Security Management System (ISMS) certification. These achievements recognize the initiatives

the management of personal information and Specific Personal Information, etc. of our customers totaken within the Group to protect personal information. The Group intends to make continuous

an outside service provider, we shall supervise the service provider appropriately, as needed.

improvements and to strengthen further its information security management structure.

4. Whenever we receive requests from our customers to view or update their personal data andSpecific Personal Information, etc. that we hold, we shall respond promptly in accordance with laws,
rules and regulations. We also welcome comments and questions regarding the management ofIn the area of personal information on customers, Tokio Marine Group has formulated and released

personal information and Specific Personal Information, etc. of our customers.

the Tokio Marine Group Privacy Policy, which clarifies the Group policy for dealing with such

5. We shall provide thorough supervision, instructions and education to our employees who handle

information. At the same time, each Group company formulates and releases a policy of its own inpersonal information, Specific Personal Information, etc. and anonymized information of ouraccordance with the Privacy Policy.

customers to ensure that such information is managed appropriately.
6.We shall continue to revise and aim to improve our internal systems and procedures to protect thePrivacy Policy

CSR Management

Protection of Personal Information

Core Theme 3 /Supporting People

Acquisition of External Certification

Core Theme 2 /Protecting the Earth

Tokio Marine & Nichido has installed thin-client * terminals for its in-house intranet. Thin-clientCore Theme 1 /Providing Safety and Security*“Personal information” and “personal data” provided in this Privacy Policy exclude Specific Personal Information, etc.

■ Initiatives for Information Security

Governance

The Compliance Department of Tokio Marine Holdings supervises information security for the

Tokio Marine Group's CSR

with customer trust at the foundation of all its activities. Guided by this corporate philosophy, we,

3. Information Security

personal information of our customers.

Tokio Marine Group (the “Group”) is committed to the continuous enhancement of corporate value,

Tokio Marine Holdings Privacy Policy

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future course of action. He also participates in discussion on effective ways for companies to disclose(COP21) held in December 2015, clearly sets out the world’s common long-term goal of keeping a

climate-related information and how to link the disclosed information to appropriate investment

global temperature rise well below 2 degrees Celsius above pre-industrial levels. A new international

decision-making of financial and other organizations.

framework to promote measures against climate change, as well as other actions specified for
Tokio Marine Holdings made disclosure based on the TCFD’s recommendations for the first time in its

transition to a low-carbon society.

Integrated Annual Report 2017 issued two years ago.

Toward the 2 degrees Celsius goal of the Paris Agreement, Tokio Marine Group will voluntarily

The table below is an overview of the four fields of disclosure based on the TCFD’s recommendations.

implement measures against climate change and focus on encouraging the transition to a low-

In this report, we provide detailed information in each field.

carbon society through constructive dialogue and collaboration with a number of stakeholders, from
Disclosure Based on the Recommendations of the TCFD

non-profit organizations (NPOs) and non-governmental organizations (NGOs). The Group believes

Climate-related governance

Climate-related strategies

Risk management

Metrics and targetsa) Oversight by the Board of
Directorsb) Management’s rolea) Climate-related risks andopportunitiesb) Impact of climate-relatedrisks and opportunitiesc) Possible impact ofdifferent climate-related
scenariosa) Process for identifying
and assessing climaterelated risksb) Process for managing
climate-related risksc) Integration of theseprocesses into overall risk
managementa) Metrics used to assessclimate-related risks andopportunitiesb) Scopes 1, 2 and 3
greenhouse gas (GHG)
emissionsc) Targets used to manage
climate-related risks andopportunities

that it is also important to promote climate change measures as one pillar of our efforts to build asustainable society, specifically when working to resolve various social issues and achieve the United
Nations’ Sustainable Development Goals (SDGs).

Climate-Related Financial Disclosure Based on the Recommendations of the TCFD
The Task Force on Climate-related Financial Disclosures (TCFD) had been entrusted by the Financial
Stability Board (FSB) to formulate voluntary recommendations for consistent, comparable, reliable,

Source:Created by Tokio Marine Holdings based on the Recommendations of the Task Force on Climate-related Financial Disclosures,
Figure 4 ( p.14), TCFD, June 2017

clear and efficient climate-related disclosures by companies in the financial sector and released its

Climate-related Disclosures Based on the Standards of the Task Force on Climate-related Financial
Climate change and natural disasters represent a global issue and have a significant impact on

Disclosures, Integrated Annual Report 2018

Tokio Marine Group as we engage in the insurance and financial services businesses. As such, Tokio

Climate Change Disclosure

Marine Holdings is supporting the activities of the TCFD and is working toward the formulation ofpolicy recommendations to encourage disclosure that will help investment decisions by engaging

Core Theme 3 /Supporting People

final recommendations in June 2017.

Core Theme 2 /Protecting the Earthinternational organizations, the Japanese government and business and academic communities toCore Theme 1 /Providing Safety and Security

achieving this goal, are expected to affect future social and economic activities and facilitate theGovernance

The Paris Agreement, adopted at the 21st session of the Conference of the Parties to the UNFCCC

Tokio Marine Group's CSR

Initiatives for Building a Low-Carbon Society

CSR Management

in discussions and exchanging opinions with relevant government and private-sector parties inJapan and overseas. In July 2018, Tokio Marine & Nichido became a founding member of the insurer
pilot group, launched by the United Nations Environment Finance Initiative (UNEP FI) under the
Principles for Sustainable Insurance (PSI) framework to examine and develop methodologies andanalytical tools for the insurance industry to make climate-related disclosures based on the TCFD’s

CSR Library

recommendations. In Japan, the Chairman of the Board of Tokio Marine Holdings worked as one of
the founders and contributed to the establishment of the TCFD Consortium in May 2019. After theestablishment, he has been a member of the Planning Committee to deliberate on the consortium’s

39Group’s climate-related action policies. It evaluates and determines the Overall Group CSR Strategy

Climate change due to global warming is considered to possibly bring about major changes inthat encompasses climate-related measures, a medium-term plan and plans for each fiscal year. As

the frequency and scale of weather disasters in the future. As such, basing analyses only on past

regards the implementation status of climate-related measures throughout the Group, the Board also

statistical data may prevent appropriate risk assessment and significantly impact the calculation

monitors matters having significance in terms of management based on the reports from a dedicatedof insurance premiums and the ability to pay insurance claims in the event of a serious disaster.

CSR promotion department (CSR Division within the Strategy and Synergy Department of Tokio

Occurrence of water immersion, power failure or other damage resulting from a flood or other natural

Marine Holdings).

disasters at any of the bases of Tokio Marine Group may disrupt the Group’s business operations
and cause financial impact, including response costs and lower revenues. For this reason, the Tokio

The CSR Board, comprising the CEO of Tokio Marine Holdings (Group CEO) and presidents of Group

Marine Research Institute and other Group companies have been assessing and calculating thecompanies, is responsible for executing the climate-related strategies of the entire Group. The CSR

impact on insurance losses under future climate conditions, using the Intergovernmental Panel on

Board holds meetings periodically to evaluate and discuss the Overall Group CSR Strategy that

Climate Change (IPCC) Representative Concentration Pathway (RCP) scenarios. Specifically, RCP4.5

includes climate-related measures, a medium-term plan and plans for each fiscal year, and based on

and RCP8.5 are used to simulate changes in typhoon risk, while RCP8.5 is used to simulate changes

the reports from the CSR Division, monitors the implementation status of climate-related measuresin flood risk due to increased rainfall. The results of analyses of such scenarios are referenced inthroughout the Group.

managing risks through the Group-wide Enterprise Risk Management (ERM) system while considering
climate change. In addition, we strive to make a faster, smoother response to losses after a typhoon

Strategy Department, in which the CSR Division has been established, as well as for handling CSR-

or other wide-area disasters by strengthening our support structure in Japan, introducing electronicand sustainability-related issues of the entire Group and making reports to the Group CEO. The Groupmeans to report loss internally and within each agent and taking other measures to enhance the

CSSO and the CSR Division meet periodically to discuss the ongoing projects. The Group CSSO also

competitiveness of our claims services.

Core Theme 2 /Protecting the Earththe potential impact on insurance underwriting from more severe natural disasters arising due to
The Group Chief Strategy and Synergy Officer (Group CSSO) is responsible for overseeing the BusinessCore Theme 1 /Providing Safety and Security■ Physical Risk

Governance

The Board of Directors of Tokio Marine Holdings is the decision-making body for Tokio Marine

Tokio Marine Group's CSR

Climate-Related Strategies

Climate-Related Governancemonitors climate-related matters based on the reports from the CSR Division, while the CSR Division
In line with the transition to a low-carbon society, enforcement of more stringent laws andTokio Marine Group’s CSR Promotion Structure and Plans and Results of CSR Initiatives >>regulations and rapid technological advancement may trigger changes in the Group’s businessenvironment and in customer needs, and possibly affect the way we do business and what products
and services we develop and provide. However, we expect that replacement of the existing products
management and develop and provide adequate accident response services for insurance policies
that have a relatively short term, including those renewed annually.
■ Opportunities

CSR Management

and services with low-carbon options will occur gradually, allowing us to implement appropriate riskCore Theme 3 /Supporting People■ Transition Risk

investigates and provides findings on topics for which the Group CSSO has requested clarification.

In the process of promoting GHG emissions reduction, a shift to “cleaner” modes of power generation
geothermal and wind power generation operators. Amid such a change, we have been conducting40

CSR Library

may occur and further increase needs for insurance for clean energy providers, including solar,

and have been making various efforts as part of our climate-related strategies. These efforts include:

developed and been providing insurance products for such clean energy providers as an effort toengaging in industry-academia collaborative research on climate change and weather disasterincrease the opportunity to generate more revenues.

risk, developing and providing disaster risk-related products and services, raising environmental

Offshore wind power generation that uses the force of offshore wind to generate power, in particular,

achieving carbon neutral status.

has drawn much attention globally for its better generating efficiency than onshore wind and solar
UNEP FI, UN-endorsed Principles for Responsible Investment (PRI) and other initiatives to collaborateof Sea Areas in Development of Power Generation Facilities Using Maritime Renewable Energy

with various stakeholders and contribute to the creation of a safe, secure and sustainable future. In

Resources for promoting the offshore wind power industry, thereby setting up a system to license

responding to climate change and natural disasters, the Group is also striving to share the findings

operators to use designated sea areas for a certain period of time. However, in addition to substantialof its industry-academia collaborative research with society as well as to resolve disaster issues andfacility installation costs, offshore wind power generation faces many risks that vary from thosemitigate disaster damage on a global basis. These efforts are carried out by joining international

encountered on land and thus requires adequate risk management. Tokio Marine Group has alreadyinitiatives, such as the Private Sector Alliance for Disaster Resilient Societies (ARISE) led by the UN

been underwriting insurance for offshore wind power generation projects around the world. At the

Office for Disaster Risk Reduction (UNDRR), The Geneva Association’s Climate Change and Emerging

same time, the Group has accumulated know-how for analysis and assessment of the risk of natural

Environmental Topics (CC+EET ) working group and ClimateWise. With the aim of encouraging

disasters specific to Asia, including typhoons, earthquakes and tsunamis. Driving Japan’s efforts indeveloping countries to financially prepare for increasingly severe weather disasters, we have been

this area in terms of insurance, Tokio Marine Holdings has been sharing its know-how accumulated

playing a leading role in creating an international framework for promoting disaster risk insurancein past projects at international conferences and seminars and intends to play an important role inthrough our engagement with the Insurance Development Forum (IDF) and Asia-Pacific Economic

further promoting the use of offshore wind power generation.

Cooperation (APEC).

There is also an expected rise in needs for stabilizing the lives of people in farming and other

Products and Service Planning and Research >>communities more vulnerable to climate change and weather disasters. As an example of ourPreventing Global Warming by Promoting the Development of Clean Energy >>Concept for Reducing CO2 Emissions >>insurance product that evaluates climate risks such as precipitation volume and temperature in all

Initiatives in Which Tokio Marine Group Is Participating >>areas within the country and takes into account the impact of unseasonable climate on grain harvest
yields in farming communities.

CSR Management

While using CO 2 emissions from business activities and the CO 2 fixation and reduction effect fromCore Theme 3 /Supporting People

response, we have been selling Barish Bima Yojna / Mausam Bima Yojna in India, which is a weather

Core Theme 2 /Protecting the Earth

Additionally, Tokio Marine Group has been participating in the United Nations Global Compact,

the sea and has long coastlines. In November 2018, the Diet passed the Act of Promoting Utilization

Core Theme 1 /Providing Safety and Security

power generation. It is also considered a promising option in Japan as the country is surrounded byGovernanceand disaster prevention awareness, reducing the environmental footprint in business activities andTokio Marine Group's CSR

research to ensure appropriate risk assessment in insurance underwriting and have alreadymangrove planting, the purchase of green power and other activities as our metrics and setting out
the target of achieving carbon neutral status, we are strengthening our ability to respond to thetransition risk and creating additional opportunities for efficient use of resources and cost reduction.

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Given these climate-related risks and opportunities surrounding Tokio Marine Group, we havespecified climate change and natural disasters as issues having CSR materiality (material CSR issues)

41

the ERM Committee comprising top management of Group companies in and outside Japan, we
identify material risks surrounding Tokio Marine Group and develop policies to respond to these risks.

Company’s Strategy and Synergy Department) identifies risks and opportunities, including those

Material risks identified in fiscal 2018 included major wind and water disasters in Japan and major

related to climate change, and compiles the assessment results of these risks and opportunities fornatural disasters overseas. In identifying material risks, we have adopted a system to monitor all risks,

drafting an Overall Group CSR Strategy. The division also holds a monthly meeting with the CSSO,

including emerging risks resulting from environmental and other changes, and comprehensively

who is a Vice President, to also discuss the assessment results.

assess these risks using both quantitative factors (such as economic loss and frequency of

Tokio Marine Group also identifies and assesses climate-related risks and opportunities by analyzing

stress tests using scenarios of low frequency but high consequence major natural disasters and otherthe feedback from stakeholder engagement. This stakeholder engagement initiative includes “CSR

extreme events.

Dialogue,” in which we regularly invite outside experts to share the latest knowledge on CSR with theGroup’s management and to engage in dialogue (exchange views and engage in discussions) about

The level of reinsurance premiums may fluctuate widely in line with increasing large-scale weather

Tokio Marine Group’s CSR initiatives.

disasters due to climate change, possibly causing a sharp rise in reinsurance premiums. Tokio Marine
Group strives to optimize retention and reinsurance on a Group basis. As for natural disaster risks,
we designate Tokio Marine & Nichido as the Group Retention Vehicle. While a certain portion ofsystem, and engages in energy conservation and resource conservation activities. The head office of

all natural disaster risks assumed by Group companies in and outside Japan is centralized to Tokio

Tokio Marine & Nichido has adopted an environmental management system based on ISO 14001 in
fiscal 1999. At Group companies in Japan and overseas, we are introducing our unique environmental

Marine & Nichido through intra-Group reinsurance, risks that exceed the retention level deemed
appropriate on a Group basis are collectively ceded* to the external reinsurance market. By thismanagement system through collaboration with Tokio Marine Holdings and Tokio Marine & Nichido.

collective ceding, we leverage economies of scale to reduce ceding costs.

Each year, we identify and assess environmental issues, including climate-related risks, and define*Ceding refers to an insurance company passing on a part of its responsibility to pay insurance claims to another insurancecompany.

environmental targets.

Tokyo, Nagoya University, Kyoto University and other organizations to look into the impact of climatechange on the insurance business over the short, medium and long terms and to identify and assess

Metrics and Targets

climate-related risks. As an example outcome, the Group has learned that under future climate

We use CO 2 emissions from business activities and the CO 2 fixation and reduction effect fromtyphoon risk.

mangrove planting and other activities as our metrics. Our target is to achieve carbon neutral status
on a Group basis annually, and we have attained this target for six consecutive years from fiscal 2013
to fiscal 2018. We will continue toward achieving this target in fiscal 2019 and onward.

Tokio Marine Group promotes Enterprise Risk Management (ERM) that seeks to increase corporate
value by integrating risk-based decisions into all aspects of business and using capital adequacy andProtecting the Earth: Continue Creating the Future of the Earth and a Society of Safe Living,

we conduct risk management while taking into consideration various factors, including the researchIntegrated Annual Report 2018

results such as the said change in typhoon risk under future climate conditions as well as the impact

Concept for Reducing CO2 Emissions >>42

CSR Library

profitability relative to risk as metrics for making management decisions. Under the ERM framework,

CSR Management

conditions (about 100 years from now), an increase in the average typhoon intensity will increase

Core Theme 3 /Supporting People

Management Strategy Section, Integrated Annual Report 2019

Meanwhile, Tokio Marine Group engages in research through collaboration with The University ofCore Theme 2 /Protecting the Earth

Additionally, Tokio Marine Group performs management through our environmental management

Core Theme 1 /Providing Safety and Security

occurrence) and qualitative factors (including business continuity and reputation). We also perform

Governance

At Tokio Marine Holdings, a dedicated CSR promotion department (CSR Division within the

Tokio Marine Group's CSR

on insurance losses caused by a change in flood risk as a result of increased rainfall. Moreover, at

Risk Management

We express the following in the Tokio Marine Group Code of Conduct, which summarizes importantas principles of conduct required from the perspective of social responsibility and we strive to respectmatters given the highest priority in our day-to-day business. Under the code, directors, officers andand promote the recognition of human rights for stakeholders.

employees act in an honest and fair manner in conformity with laws and social norms and undertake
fair business activities.

Basic Approach
In implementing our Corporate Philosophy, we have formulated the Tokio Marine Group CSR Charterand promote the recognition of human rights for all people, including customers, shareholders/investors, insurance agents, business partners, employees and local communities/society.
Tokio Marine Holdings endorses and respects the Universal Declaration of Human Rights, the OECD
Guidelines for Multinational Enterprises, the ILO Core Labour Standards, the UN Guiding Principles on
Business and Human Rights and ISO 26000, and has signed the United Nations Global Compact. Tokio
Marine Group fully understands international action principles and guidelines concerning humanso, fulfills its role toward realizing a sustainable society.

Tokio Marine Group CSR Charter (excerpt)
Tokio Marine Group is committed to fulfilling its corporate social responsibility (CSR) by
development of society in accordance with the following principles:
Respect for Human Rights and Dignity• We respect and actively promote the recognition of human rights for all people.
• We strive to ensure an energetic working environment that is both safe and healthy and to• We respect the right to privacy and strive to enforce this right through the managementof personal information.

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CSR Management

promote training and education of our employees.

Core Theme 3 /Supporting People

implementing its Corporate Philosophy to achieve sustainable growth together with theCore Theme 2 /Protecting the Earth

Respect for Human Rights and the Environment
We shall respect the human rights of our customers, directors, officers, employees and allother people. We shall also act in consideration of the global environment.
• Anti-discrimination
Human rights are values widely recognized around the world, and any discrimination on the
grounds of gender, age, profession, nationality, race, thought, creed, religion, social statusor birth as well as any act constituting an infringement of human rights should never betolerated.
• Anti-harassment
Sexual harassment, abuse of authority or any other kind of harassment or intimidation
should never be tolerated.
• Private information and specific personal information, etc.
In compliance with applicable laws, rules and regulations as well as the Tokio Marine Group
Privacy Policy, we shall safeguard private information and specific personal information, etc.,
including customers’ information, and we shall not use such information except on a needbasis to carry out our business operations in order to avoid any breach of privacy.
• Protection of the global environment
Acknowledging that the protection of the global environment is an important responsibility,
we shall comply with applicable laws, rules and regulations, and respect the harmonization
with and the improvement of the global environment in all of our activities.

rights and participates in and contributes to initiatives concerning social responsibility, and by doing

Core Theme 1 /Providing Safety and Security

Tokio Marine Group Code of Conduct<Scope of application: Tokio Marine Group directors, officers and employees of Tokio
Marine Group companies (includes dispatched employees)> (excerpt)
In the event of a violation of this Code of Conduct, laws, regulations and internal rules, thecompanies of Tokio Marine Group shall take necessary measures in accordance with internal
rules, which include investigating the facts, formulating countermeasures, submitting
reports to supervisory authorities, taking disciplinary measures against the involved parties
and formulating measures to prevent recurrences.

as principles of conduct required from the perspective of social responsibility and we strive to respect

GovernanceIn implementing our Corporate Philosophy, we have formulated the Tokio Marine Group CSR Charter

Tokio Marine Group's CSR

Respect for Human Rights

1) “human resources being our largest assets,” 2) “respect for diversity” and 3) “provision of

all forms of emergencies, every employee must respect diverse values and work styles of others, findfair and equal opportunities” and will promote various personnel affairs measures, including

his or her work rewarding and work with enthusiasm with colleagues. It is also essential to gain trust

employee training and support.

from all people and society by always acting in a way to respect human rights. Tokio Marine Group
carries out various initiatives in accordance with its Basic Policy on Human Rights in order to instill a

We believe that our people are the most important contributor to our company's success. We

culture of respecting human rights within the Group.

aim to attract and retain the best talent in every aspect of our business.

a business environment where our people can achieve their full potential.

1. We fulfill social responsibilities as a “good corporate citizen” by positioning respect forhuman rights as one of the important standards of corporate activities and practicing it

We have a transparent relationship with our people. For those who have both a passion and athrough daily business operations.

challenging spirit, we encourage career development and personal growth.

2. By nurturing employees who are conscious of and can practice respect for human rights,
we promote the realization of “customer trust and satisfaction” on the basis of human rights.
3. By fostering a culture that respects human rights, we establish a “free and open corporate
4. By promoting this initiative throughout the Group, we facilitate the growth of TokioManagement Stance concerning Respect for Human Rights and Various Initiatives

Marine Group.

Tokio Marine Holdings formulates action policies concerning human rights, compliance and risk
management, and accordingly, monitors business operations of Group companies on a regular basis

We have also established the Tokio Marine Global HR Policy as our universal philosophy and concept

Core Theme 2 /Protecting the Earthculture” in which all employees respect each other and fully demonstrate their abilities.

Core Theme 1 /Providing Safety and Security

We value diversity and inclusion as we strive for global excellence, and we work hard to create

Basic Policy on Human Rights

GovernanceIn order for Tokio Marine Group to remain strong and caring to protect customers and society from

Tokio Marine Group's CSR■ Human Rights Policy

to identify any issues related to respect for human rights and implement measures to counter any risk
thereof.

Tokio Marine Global HR Policy■ Respect for Human Rights within the Group

Amid the growing importance of global business in recent years, Tokio Marine GroupAt each Group company, all employees and other co-workers are working to build a vibrant corporate

believes it essential to hire and nurture diverse personnel, regardless of nationality, age andculture without discrimination or harassment.

an environment in which employees can fully exert their capabilities.

At Tokio Marine & Nichido, we formulate the Basic Policies and Measures Related to Human Rights
at the beginning of each fiscal year, and under the human rights awareness promotion structure,provide support to all branches for their relevant efforts made in relation with operations that involve

philosophy and concept for human resources management to be shared among respective

human rights and inspect the status of their efforts at the end of the fiscal year. We go through thecountries and regions worldwide. We are working to share the thinking and values ofplan-do-check-act (PDCA) cycle on a constant basis to survey the status, identify issues and take
improvement measures.

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In December 2010, we established the Tokio Marine Global HR Policy as our universal

CSR Management

gender, at each Group company in respective countries and regions worldwide and developCore Theme 3 /Supporting People

for human resources management to be shared among respective countries and regions worldwide.

Every year, each member company of Tokio Marine Group holds human rights training in the• Human rights awareness training (target: training to be attended by all employees), fair hiring

workplace, in which all employees and other co-workers take part to build a vibrant corporate

selection practices and achieve normalization within the Groupand employees learn about a wide range of areas, which include acquiring knowledge concerninga number of human rights issues in Japan of discrimination against people belonging to outcast
communities, LGBT (lesbian, gay, bisexual, transgender) and harassment issues as well as about the

At Tokio Marine & Nichido, we have established a promotion structure mainly comprising the Human
Rights Awareness All-Branch Promotion Headquarters and the Human Rights Awareness Promotion
Committee members of each branch office. We work to foster a culture to respect human rights bycontinuing to achieve 100% participation every year for the human rights awareness training heldin the workplace. Other efforts include holding rank-based training, such as executive seminars,
publishing the latest information on human rights and related tools on our in-house intranet andCore Theme 1 /Providing Safety and Security

UK Modern Slavery Act 2015.

Human Rights Awareness Promotion Structure

Governanceculture without discrimination or harassment. Training is based on themes that reflect social issues• Promotion of employment of persons with disabilities, prevention of, education on andappropriate response to various types of harassment and execution of daily business operations
with an awareness of human rights

Tokio Marine Group's CSR

Human Rights Awareness Training(Principal Initiatives)

making them always available for all employees. In addition to employees, we provide various

CSR Performance Data (Human rights training participation rate, etc.) >>Fostering a Culture to Respect Human Rights by Soliciting and Awarding Human Rights-RelatedCore Theme 2 /Protecting the Earthtraining tools to agents to help them provide human rights awareness training.

Slogans
During the Human Rights Week that takes place from December 4 to 10 every year, we solicit human

1. Establish and thoroughly implement policies for promoting human rights awareness.

rights-related slogans from all employees and their families within Tokio Marine Group. The aim is

2. Develop an organizational structure to promote human rights awareness with the president as theto facilitate an understanding of the importance of respecting human rights and raise human rights

responsible person.

awareness in the workplace, at home and within local communities. We select excellent slogans and3. Implement human rights awareness training for all directors, officers and employees at least once

disseminate them through our in-house intranet, Group newsletters and posters to be put up in each
workplace as an effort to instill and spread the awareness of respecting human rights.

4. Formulate and thoroughly implement policies aimed at implementing fair recruitment selection
practices and establish the Human Rights Awareness Committee for Fair Selection and Recruitment.

Keeping the human rights perspective in daily business operations and thoroughly ensuring

5. Promote normalization (increasing employment of persons with disabilities and improving theirprevention of discriminatory practices

workplace environment in terms of both “software” and “hardware”).

Tokio Marine & Nichido has in place a document inspection system to check for any expression

6. Establish rules for the prevention of harassment in the workplace and set up an in-houseadvertisements for customers as well as in its daily business operations. The system also performs acheck to make sure the company does not obtain unnecessary personal information.

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CSR Library(including illustrations) or wording undesirable from the perspective of human rights in its

consultation desk.

CSR Managementa year.

Core Theme 3 /Supporting People■Process to Monitor the Promotion of Human Rights AwarenessIn solving human rights problems such as forced labor and child labor that are spreading globally,harassment, we have set up a Hotline System (Whistle Blower System), through which employees

rather than relying solely on initiatives by government institutions, there are increasing demands that

seek the advice of internal and external experts, and have been striving to realize a better workplace

global companies take responsibility and respond to these problems throughout their entire supply

environment for employees.

chains. There are also various instances in which inadequate handling of these issues causes a majordecline in the brand value of global companies and leads to product boycotts. Accordingly, in fiscal
2017 Tokio Marine & Nichido formed a business alliance with Caux Round Table Japan (CRT Japan), a

Tokio Marine Group has established a system to ensure human rights due diligence based on the UN

specified NPO, and commenced support for initiatives for reducing human rights risk, such as forced

Guiding Principles on Business and Human Rights.

labor and child labor, which could occur within global companies’ supply chains that span the world.

For Tokio Marine Group, human rights due diligence means an ongoing, preventive and voluntary

Tokio Marine & Nichido introduces CRT Japan to companies working to promote “responsible supply

process to avoid or reduce any negative impact of corporate activities on human rights and tochains.” These companies receive advice from CRT Japan and establish systems that aim to reduce

become a “Good Company.”human rights risk throughout their entire value chain. Tokio Marine & Nichido designs and provides
custom-made insurance for companies that receive advice from CRT Japan. This insurance covers the
additional costs of establishing crisis measures when hidden human rights risks are discovered at2017 with the assistance of Verisk Maplecroft, the world’s leading global risk analytics and forecasting

second- and third-tier manufacturing subcontractors overseas despite having already taken adequate

company, and the specified NPO Caux Round Table Japan (CRT Japan). The assessment covered every

measures for human rights risk when building supply chains. As a result, companies can use thiscountry in which we do business, and we identified potential human rights issues which we need toinsurance to cover various expenses needed for responding quickly and accurately to prevent thetackle in order to prevent risks from occurring.

occurrence of a major reputational risk when a human rights issue arises in the supply chain. In the
future as well, Tokio Marine Group will continue to support the building of supply chains of global

In fiscal 2019, we will analyze and assess the possibility of occurrence of the identified risks and thecompanies.

Core Theme 2 /Protecting the Earth

According to the process, Tokio Marine Group conducted a human rights risk assessment in fiscal

Core Theme 1 /Providing Safety and Security■ Human Rights Due Diligence

Governance■Supporting Initiatives for Reducing Human Rights Risk in Building Supply Chains

In order to solve human rights issues, such as sexual harassment and other various types of

Tokio Marine Group's CSR■Hotline System (Whistle Blower System)

impact of these risks on our stakeholders, and at the same time, will work to formulate necessary riskCore Theme 3 /Supporting People

prevention measures.
■Respect for Human Rights in the Value Chain
Tokio Marine & Nichido issues the Principle of Transactions for business partners (suppliers andsubcontractors) from the perspective of social responsibility. The Principle of Transactions requests

CSR Managementthat business partners promote initiatives that encompass human rights as well as “compliance withlaws, regulations and social norms,” “promoting fair and honest transactions,” “thorough information
management” and “consideration for the environment.”
CSR in the Value Chain >>CSR Library46

Response to the UK Modern Slavery Act 2015

Giving consideration to environmental, social and governance (ESG) issues in investment andTokio Marine Group regards slave labor and human trafficking as social issues that must be solved

return. Tokio Marine & Nichido places great importance on the social role and responsibilities that theand makes efforts to prevent slave labor and human trafficking in its own businesses and value chain

insurance industry is expected to fulfill, and in June 2012 signed as a drafting member the Principles(supply chain). At the same time, the Group is urging its various stakeholders to undertake initiatives

for Sustainable Insurance (PSI) advocated by the United Nations Environment Programme Financetoward solutions to these issues.

Initiative (UNEP FI).
Modern Slavery refers to enslavement and servitude, all forms of forced labor and human trafficking,Responsible Investment (PRI) initiative, accepting these principles as an asset management company.

etc.

As an insurance firm that has taken ESG issues into account in its insurance underwriting, investment
analysis and other actions, Tokio Marine & Nichido signed the PRI in August 2012. Through PRI and PSI

The International Labour Organization (ILO) reported in a 2014 survey that there were approximately

related activities, Tokio Marine Group is strengthening its initiatives for human rights in investment

21 million victims of forced labor worldwide (as of 2012) while annual illicit profits reached US$150

and financing.

billion (estimate), which shows that even in present times slave labor and human trafficking areserious social problems.

Core Theme 1 /Providing Safety and Security■UK Modern Slavery Act 2015
In April 2011, Tokio Marine Asset Management signed the United Nations-supported Principles for

Governancefinancing is becoming increasingly important from the perspective of improving long-term risk/

Tokio Marine Group's CSR■Respect for Human Rights in Sustainable Investment and Financing

Creating a Society Where People Can Live with Security through Sustainable Investments andAccordingly, in March 2015 the British government enacted the UK Modern Slavery Act 2015 (“SlaveryAct”) to prevent forced labor and other present-day slave labor as well as human trafficking. The
Slavery Act went into effect in October 2015. Section 54 of the Slavery Act requires commercialorganizations that undertake business in the United Kingdom (regardless of whether the company isheadquartered in the United Kingdom) and that have annual sales of £36 million or more to publish

Core Theme 2 /Protecting the Earth

Financing >>a statement of steps taken each fiscal year to prevent slave labor and human trafficking in their own■ Tokio Marine & Nichido Slavery and Human Trafficking Statement for the Fiscal Year 2018
Tokio Marine & Nichido announces as follows the Slavery and Human Trafficking Statement for the
fiscal year 2018 as a response to the UK Modern Slavery Act 2015. Tokio Marine & Nichido, together
human trafficking.
Slavery and Human Trafficking Statement for the fiscal year 2017 (PDF/155.2KB)

CSR Managementwith its employees and business partners, will implement initiatives to prevent slave labor andCore Theme 3 /Supporting Peoplebusinesses and value chain (supply chain).

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Tokio Marine Group defines the value chain as shown in the table below. Primarily through Tokiosocial norms,” “promoting fair and honest transactions,” “thorough information management” andMarine & Nichido, the Group is executing environmental, social and governance (ESG) initiatives“consideration for the environment.”

that are integrated into the value chain. In terms of respect for human rights, in particular, we strive
Through a questionnaire that is given once every two or three years, Tokio Marine & Nichido

Marine Group CSR Charter.

questions suppliers and subcontractors about the implementation of the contents of the Principle ofTransactions. The results of the questionnaire are compiled and are reflected in the next fiscal year’s

Tokio Marine Group’s Value Chain
Value chain

Tokio Marine & Nichido Group Principle of Transactions(Category 1) Purchased goods and services

Tokio Marine & Nichido Group conducts transactions based on the following policies and aims to realize sustainable
development with business partners (purchasers and consignees) and to fulfill its social responsibilities.

Construction, maintenance and management of office buildings (Category 2) Capital goods

Delivery companies(Category 4) Transportation and delivery (upstream)

Waste disposal operators(Category 5) Waste generated in businesses

Trains, buses, taxis and accommodations(Category 6) Business travel

Trains, buses(Category 7) Employee commuting

Delivery companies(Category 9) Transportation and delivery (downstream)

Agencies, waste disposal operators(Category 14) Franchises

Investment destination(Category 15) Investments

1. Compliance with laws, regulations and social norms
Tokio Marine & Nichido Group complies with laws, regulations and social norms in every country and area when conducting
transactions. We make every effort to reject relationships with anti-social forces and any undue claims from them.
2. Promoting fair and honest transactions
Tokio Marine & Nichido Group selects business partners in a fair and honest manner based on comprehensive considerationof compliance with laws, regulations and social norms, business conditions, reliability, environmental activities, quality andprices of products, services and certainty of delivery period, among others.
3. Thorough information management
Tokio Marine & Nichido Group thoroughly conducts appropriate management and protection of information acquired
through business partners.
4. Consideration for the environment
Tokio Marine & Nichido Group promotes the purchase of products with the least impact on the environment (purchase ofgreen products) and works in cooperation with business partners to promote the creation of a recycling-oriented society.
5. Strengthening relationships of trust
Tokio Marine & Nichido Group endeavors to build good partnerships based on trust through frequent communication withdomestic and overseas business partners and mutually gaining a deeper understanding.

*Basic Guidelines on Accounting for Greenhouse Gas Emissions Throughout the Supply Chain, Ministry of the Environment (MOE)and Ministry of Economy, Trade and Industry (METI)

Core Theme 2 /Protecting the EarthPetroleum refining and distribution, electric power providers(Category 3) Fuel and energy related activities notincluded in Scope 1 or 2

Core Theme 1 /Providing Safety and Security

Manufacture of media used for sale of products and services, IT
systems, consulting, audits and office supplies

action plan for the value chain.

Corresponding SC guideline* category

Governanceto respect and promote the recognition of human rights within the value chain based on the Tokio

Tokio Marine Group's CSR

CSR in the Value Chain

Policies for Outsourcing Management
Tokio Marine Group has established the Tokio Marine Group Policies for Outsourcing Management inIn the value chain, Tokio Marine Group carries out activities aimed at fulfilling its social responsibility

order to protect customers, enhance convenience and ensure the soundness and appropriateness ofand achieving sustainable development together with its business partners and at raising customer

its operations in the event of outsourcing a portion or all of its operations.

protection and convenience and assuring the soundness and appropriateness of its business.
Based on these policies, Tokio Marine & Nichido selects its contractors according to the Standard for
Selecting Outsourcing Contractors and the Information Security Management System Standard. At

To implement ESG initiatives that are integrated into the value chain, Tokio Marine Holdings aims

the same time, each year the company conducts investigations of the actual status of outsourcing

to have Tokio Marine Group and business partners fulfill their social responsibility and achieve

contractors based on the Regulations Related to Outsourcing Contractor Management, whichsustainable development together. In working to realize this objective, Tokio Marine & Nichido

stipulate the management system for outsourcing contractors, and makes improvements when

formulated the Principle of Transactions, which outlines the items that should be followed in terms

inadequacies are discovered.

the Principle of Transactions to such Group business partners as suppliers and subcontractors andIn the future as well, Tokio Marine Group will promote initiatives integrated into the value chain

requests that these business partners promote initiatives for “compliance with laws, regulations andtogether with its business partners.

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CSR Libraryof conducting transactions, and is applying this across its Group. Tokio Marine & Nichido issues

CSR Management■ Fulfilling Social Responsibilities Together with Business Partners

Core Theme 3 /Supporting People

Value Chain Management

■ Asset Management Policies

to society and governance in its investment and financing operations. We join study and research

The asset management policies of Tokio Marine & Nichido and Tokio Marine Asset Management are

activities such as UNEP FI Principles for Sustainable Insurance (UNEP FI-PSI), UN Principles for

as follows.

Responsible Investment (PRI), Principles for Financial Action for the 21st Century and the Japan<Asset Management Policy from the Tokio Marine & Nichido Disclosure Report 2019 (excerpt)>

We leverage the findings of these activities as one means to execute sustainable investment

Besides focusing on safety, profitability and liquidity in preparation for the payment of insurance

and financing. Tokio Marine & Nichido and Tokio Marine Asset Management lead efforts towardclaims, Tokio Marine & Nichido also undertakes asset management that contributes to society andsustainable investments and financing.

public welfare. For this reason, with a main focus on Asset Liability Management (ALM), Tokio Marine& Nichido aims at securing long-term, stable income and carrying out efficient liquidity management

Study and Research on Sustainable Investments and Financing

under appropriate risk control giving due consideration to the characteristics of insurance products.

■United Nations Environment Programme Finance Initiatives – Principles for Sustainable

https://www.tokiomarine-nichido.co.jp/company/pdf/TMNF_2019_d.pdf (in Japabese)(PDF/5.1MB)

Insurance (UNEP FI-PSI)
http://www.unepfi.org/<Tokio Marine Asset Management>

http://www.unepfi.org/psi/

One of Tokio Marine Asset Management’s management principles is to contribute to the development
development of a comfortable social life and economic growth of society, Tokio Marine Asset

http://www.unpri.org/

Management, in conformance with its fiduciary responsibility, executes responsible investments that
not only focus on financial elements of investee companies but also appropriately consider non-

■Principles for Financial Action for the 21st Century

financial elements such as environmental, social and governance (ESG) issues. At the same time, Tokio

https://www.pfa21.jp/

Core Theme 2 /Protecting the Earthof an enriched and comfortable social life and economic growth of society. To contribute to the■UN Principles for Responsible Investment (PRI)Core Theme 1 /Providing Safety and Security

Sustainable Investment Forum to solve various environmental, social and governance (ESG) issues.

Governance

Tokio Marine Group gives consideration to the environment, including climate change, as well as

Tokio Marine Group's CSR

Creating a Society Where People Can Live with Security through Sustainable Investments and Financing

Marine Asset Management actively engages investee companies to promote their growth over the

http://www.jsif.jp.net/

Tokio Marine Asset Management adopts an ESG integration approach, which integratedly ascertains
and systematically evaluates financial and non-financial elements, into its investment decision

Creating a Safe, Secure and Sustainable Future through Sustainable Investments

process. This process is commonly applied to all asset classes based on the recognition that ESG
Asset Management regards ESG as a fundamental evaluation category to ensure medium- to long-Group has formulated sustainable investment policies and aims for the sustainable growth ofterm returns for customers and has positioned governance as the key focal point in company

investee companies and thus promotes such initiatives as holding constructive “purposeful dialogue”

evaluation while also appropriately considering environmental, social and other non-financial

with investee companies and publicly announcing the exercise of voting rights and the results of theelements.

exercise of voting rights.

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CSR Libraryhttps://www.tokiomarineam.com/sustainability/#responsible_investment

CSR Management

integration enables even higher-precision company analysis and investment decisions. Tokio Marine

With Tokio Marine Asset Management and Tokio Marine & Nichido taking the lead, Tokio Marine

Core Theme 3 /Supporting People

medium to long term with the aim of increasing medium- to long-term returns for customers.

■Japan Sustainable Investment ForumReference: Japan’s Stewardship Code (excerpt)

The asset management structures of Tokio Marine & Nichido and Tokio Marine Asset Management are
as follows.

Principle 3. Institutional investors should monitor investee companies so that they canappropriately fulfill their stewardship responsibilities with an orientation towards thesustainable growth of the companies.

<Tokio Marine & Nichido>with the Corporate Asset Management Department/Investment Management Department, which
execute transactions.
<Tokio Marine Asset Management>
Tokio Marine Asset Management has established the Responsible Investment Committee, led by
the head of the Investment Business Division and comprising asset managers of each asset class

In May 2014, Tokio Marine Asset Management announced its adoption of the Principles forand other relevant parties, to formulate responsible investment policies and establish required

Responsible Institutional Investors (Japan’s Stewardship Code). In June 2017, the company renewed

processes. The committee also creates basic policies and guidelines for the exercise of voting rights.

its adoption of the Code based on a revision to the content of the Code in May 2017.

Tokio Marine Asset Management will work to further deepen its understanding of responsible
In May 2014, Tokio Marine & Nichido agreed with the intent of Japan’s Stewardship Code and also

responsibilities as an institutional investor by making investments in a manner that comprehensively

announced it would adopt the Code.

takes into consideration ESG and other issues.
Tokio Marine Asset Management: Adherence to Japan's Stewardship Code■ Principles for Responsible Institutional Investors (Japan’s Stewardship Code)

Tokio Marine & Nichido: Adoption of Japan’s Stewardship Code (in Japanese)

Based on the Japanese government’s growth strategy, the “Japan Revitalization Strategy” (Cabinet
decision in June 2013), the Council of Experts established within the Financial Services Agency

Core Theme 2 /Protecting the Earthinvestment, which is a responsibility of an institutional investor, and continue to fulfill this and otherCore Theme 1 /Providing Safety and Security

Guidance 3-3. When investors monitor investee companies, a variety of factors, including nonfinancial ones, may be considered as relevant. Factors may include, for example, governance,
strategy, performance, capital structure and risk management (including how the companies
address risks arising from social and environmental matters) of the investee companies. …
Institutional investors need to use their own judgment in choosing which factors to focus on inlight of their stewardship responsibilities.

Department and sustainable investment and financing initiatives are implemented in collaboration

Governance

At Tokio Marine & Nichido, ESG investment planning is carried out in the Financial Planning

Tokio Marine Group's CSR■Asset Management Structure

Exercise of Voting Rights and Disclosure of the Results of Exercise of Voting Rights
Based on the intent of the Principles for Responsible Institutional Investors (Japan’s Stewardship

Stewardship Code) – To promote sustainable growth of companies through investment and dialogue.”Code), Tokio Marine Asset Management and Tokio Marine & Nichido have formulated clear policies on
publicly announcing the exercise of voting rights and the results of the exercise of voting rights andterm investment returns for “customers and beneficiaries” (including end beneficiaries) throughare disclosing details of their stewardship activities that include the results of the exercise of voting

constructive “purposeful dialogue” (engagement) by institutional investors based on a deep

rights.

understanding of investee companies and their business environments to raise the corporate value<Tokio Marine Asset Management>of these companies and promote their sustainable growth.

Stewardship activities and results of self-assessment (July 31, 2019) (in Japanese) (PDF/891KB)
Disclosure of the results of the exercise of voting rights (Japanese equities) (in Japanese) (PDF/1.6MB)

As described above, this Code has been formulated to promote medium- and long-term growth of

CSR Management“Stewardship Responsibility” means bearing responsibility for expanding medium- and long-

Core Theme 3 /Supporting People

announced in February 2014 the “Principles for Responsible Institutional Investors (Japan’s

companies through “purposeful dialogue” (engagement) by institutional investors with their investee
Overview of stewardship activities (in Japanese) (PDF/633KB)

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CSR Library<Tokio Marine & Nichido>

companies.

Tokio Marine Group contributes to the creation of a safe, secure and sustainable future together with
its stakeholders by developing and providing ESG investment products.
■ Provision of the Tokio Marine Japanese Equity Fund to Contribute to the Creation of a Low-Carbon Society

These funds are investment products that diversify investments among Japan’s renewable energy
generation businesses and provide investment income to investors from sales of electric power.

Specifically, this fund has been established by building a Japanese equity portfolio with half the levelof carbon intensity* relative to the TOPIX index. This will enable investors not only to achieve broad
Japanese equity market performance but also to contribute to supporting a reduction of greenhousegases and the creation of a low-carbon society.

Tokio Marine Asset Management believes that this fund will contribute to the diversification ofenergy sources. By offering investment opportunities of social significance through this fund, thecompany strives to fulfill its social roles and responsibilities as an asset management company.

*Carbon intensity (CO2 emission basic units) here refers to CO2 emissions per sales of each company. The total volume of company CO2emissions varies significantly by business type and business scale. Therefore, we use this index and compare CO 2 emission levels inaccordance with the actual state of business activities.

Tokio Marine Asset Management■Establishing Japan’s First Fund to Invest in Microfinance-Related Assets
We provide microfinance services mainly to low-income earners in emerging and developing
countries.
Reducing Poverty (Reducing World Poverty) >>51

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For institutional investors, the company launched a socially responsible investment (SRI) fundtargeting Japanese companies in January 2006. Leveraging the comprehensive risk management
know-how of Tokio Marine Group, this fund aims to obtain long-term and stable added value basedon the Group’s unique environmental, social, governance and risk management (ESGR) analysis andevaluation. In the future, Tokio Marine Asset Management intends to fulfill its social responsibilities
as an institutional investor and improve investment performance over the long term while giving due
consideration to ESG issues in its asset management operations.

CSR Management* GO Investment Partners (GO)An independent asset management partnership based in London, with its founder being the pioneer in the field of responsible stock
ownership. The organization is characterized by its investment strategy that focuses on enhancement of long-term corporate value throughamicable engagement with investee companies listed on European stock markets.

Core Theme 3 /Supporting People

Taking an early start, Tokio Marine Asset Management (TMAM), jointly with GO Investment Partners(GO)*, launched the TMAM-GO Japan Engagement Fund in March 2012. This engagement-focused
fund primarily invests in small- to medium-sized Japanese companies having strong core businesses.
By promoting engagement with investee companies based on a full understanding of the corporate
culture in Japan, the company intends to deepen mutual understanding between investors andJapanese companies and provide increased corporate value over the long term.

■Provision of Premium WorldIn December 2007, Tokio Marine Asset Management launched Premium World, an environmental
investment trust fund that invests in Japanese and other companies involved in activities under
the following themes. These themes are related to environmental or social issues arising from thegrowing economies and increasing population in the world, which need to be sustained or improved.
• Environmental (e.g., global warming and clean energy)• Water and foodstuffs (e.g., stable supply of water and food and enhanced productivity)• Medical services and healthcare (e.g., medical techniques and promotion of better health)Core Theme 2 /Protecting the Earth■Providing an Engagement-Focused Fund to Invest in Japanese Companies
With the launch of Japan’s Stewardship Code in February 2014, the importance of engagement
between institutional investors and companies is further increasing its significance from a viewpointof responsible investment.

As part of efforts of Tokio Marine Group, Tokio Marine & Nichido has invested in this fund with the aimof promoting, from a financial aspect, the initiatives of Japanese companies to reduce greenhousegas emissions.

Core Theme 1 /Providing Safety and Security

Japan initiated a feed-in tariff (FIT) system for reusable energy sources in July 2012 with a view toincreasing the use of solar, wind and other reusable energy. The system requires all users of electricity,
including businesses and households, to pay a surcharge on electricity generated from renewablesources. The TM Nippon Solar Energy Fund, which is based on this FIT system, is designed to returninvestment income to citizens of Japan through corporate pension funds, the major investor of thefund.

Governance

Promoting initiatives toward realizing a low-carbon society is an urgent and important issue withthe adoption of the United Nations Sustainable Development Goals (SDGs) and the Paris Agreement
based on the goals set by the United Nations Framework Convention on Climate Change. Accordingly,
as an initiative for contributing to the attainment of these goals, Tokio Marine Asset Management
provides the Tokio Marine Japanese Equity Fund to contribute to the creation of a low-carbon society.
The fund is comprised of equities of Japanese companies actively working to reduce greenhousegases. By offering a fund with an investment universe consisting of Japanese companies disclosing
their greenhouse gas emissions, we will provide support on the financial side for efforts by Japanesecompanies to realize low-carbon operations.

Tokio Marine Group's CSR■Providing a Renewable Energy Fund
Since 2012, Tokio Marine Asset Management has been operating the TM Nippon Solar Energy Fundfor institutional investors, including corporate pension funds, to invest in solar power plants as aninvestment product targeting Japan’s national infrastructure. The company has also been operating
the TM Nippon Renewable Energy Fund that invests in various types of renewable energy, including
wind power, biomass, hydropower and geothermal power in addition to solar power, since 2017.

Value Creation through Sustainable Investments

Tokio Marine Group's CSRCore Theme 1: Providing Safety and Security

Governancesecurity.
Making Society Resilient to Natural Disasters
One mission of Tokio Marine Group is to provide, in response to natural disaster risk, products andmission, we are applying our knowledge, which we have accumulated through research on natural

CSR & ESG Highlights
We continued to engage
in industry-academia
collaborative research inorder to respond to climatechange and natural disasterrisk.

disaster risk and participation in international initiatives, to the development of insurance products
We continued to offer Drive
Agent Personal, a rider toour automobile insurance,
which uses our original
driving recorder to protect
customers.

and services and are promoting activities to disseminate our know-how on disaster prevention

We continued to distribute“personalized” videos
to provide customized
information on disasters
based on regional
characteristics.

and mitigation widely throughout society. Even after a disaster, we focus on making swift claims
payments and providing services for the early recovery of business operations.
Building a Secure Society by Leveraging Traffic Technology Innovation

The world is now facing various social issues, inflicted byfrequent large-scale natural disasters, demographic shifts,
income disparities and poverty. In Japan as well, issues are
becoming prevalent also in relation with technologicalprevention and mitigation) and the country’s declining

insurance products and services. Tokio Marine Group provides insurance products and services that

• Products and services beneficial for safety andsecurity• Climate change and natural disasters• Technological innovation• Low birth rates and aging societies, and population
demographics• Local community and social contribution activities•Promoting ESG in the provision of products andservices

quickly capture the latest innovation in traffic technology, and will contribute to increasing society’s
preparedness against traffic risk and prevention of traffic accidents.
Building a Secure Society by Responding to Varying Lifestyles and Changes in Society
Tokio Marine Group provides services responding to the expanding inbound market for businessinsurance business. To protect people, including our customers, from these varying risks and also

operators in Japan as well as services to counter the growing corporate governance and cyber risks

capture business opportunities while responding to these risks, Tokio Marine Group has selected

resulting from business globalization and technology innovation. We also distribute information on“Providing Safety and Security” as one of our three CSR core themes. We are making efforts toward

natural disasters via the Internet, smartphones and other means and are devising ways to smoothly

a safe, secure and sustainable future throughout our entire business activities from conducting

receive loss reports upon an accident. Through these and other efforts, we are working to provide

research on natural disaster risk to providing products and services that are beneficial for safety andcomprehensive coverage matched to the needs of our day-to-day life.

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CSR Librarybirth rate and aging population. These issues may induce drastic changes in risks surrounding the

CSR Management

innovation as well as community resilience (disaster

Another mission of Tokio Marine Group is to deliver traffic safety and security through its non-life

CSR Materiality (Material Issues)

Core Theme 3 /Supporting People

We promoted our work to
make society resilient tonatural disasters throughparticipation in international
initiatives and helped
to facilitate disaster risk
reduction across the world.

Core Theme 2 /Protecting the Earthservices leading to the safety and security of customers and local communities. To achieve thisCore Theme 1 /Providing Safety and Security

security and undertaking local community and social contribution activities leading to safety andBased on its know-how accumulated in the insurance business, Tokio Marine Group has developed• Risk of discontinuation of business due to the impact of weather disasters on buildings, IT facilities andand initiated sales of weather insurance and microinsurance in India, thereby providing low-other facilities

income earners with greater access to insurance. We also hope to contribute to the resolution of• Risk of impacts from weather disasters in countries and regions throughout the world along withpoverty issues in the world through financing to and investment in financial institutions providing

Tokio Marine Group's CSR

Eliminating Poverty in Society

growth in the overseas insurance businessIn 2007, the Intergovernmental Panel on Climate Change (IPCC), which collects scientific research into
climate change, was awarded the Nobel Peace Prize for its contributions to raising recognition of climatechange. Established in 1988, the IPCC presents the current state, causes, impact, adaptation measures

Governancemicrofinancing services.

and mitigation measures concerning climate change through means such as assessment reports. In its
Adaptation” issued in 2012, the IPCC supplemented previous research with an appeal to the importanceof adaptation and disaster risk management with respect to climate change.
The IPCC Fifth Assessment Report announced from 2013 to 2014 provided, in addition to the topics
discussed in past reports, a more detailed quantitative assessment of impacts on food and incomes andmade an appeal to government decision-makers. The Working Group II Report states that besides river
overflows and coastal region seawater immersion that causes flooding, the increases in the severity andfrequency of extreme weather disasters are conspicuous risk factors at the global level. In view of this, theCore Theme 1 /Providing Safety and Security“Special Report on Managing the Risks of Extreme Events and Disasters to Advance Climate Changereport cited insurance systems as one of the economic sectors affected by these risk factors.

prepare ourselves and adopt measures against the increasing risks of weather disasters. Tokio Marine
Group regards these evolving risks as opportunities and aims to promote risk-based management
Examples of CSR approach (Providing Safety and Security)

to maintain a sound financial base and to provide protection to customers and society by offering
appropriate insurance products and risk management services. We are promoting the following specific

Value Creation

Core Theme 2 /Protecting the Earth

Although weather phenomena are natural occurrences that are beyond our control, it is possible tomeasures as activities for creating opportunities.
• Promoting research on weather disaster risk through industry-academia collaboration with universities,
including The University of Tokyo, Nagoya University and Kyoto University• Establishing investment funds for facilities for renewable energy such as solar power and providing

Risks and Opportunities Associated with Climate Change

related insurance and consulting services• Providing insurance products and risk management services to cover weather disaster risk in developed

Considerable concern exists over the possibility of increased typhoons, heavy rains, droughts and otherCore Theme 3 /Supporting People

Providing safety and security to customers, local communities and society worldwide through theinsurance businessand developing countries• Providing insurance so that persons engaged in agriculture can make preparations against extreme

disasters and therefore risks such as the following are possible.

weather in developing countries and regions• Activities for making policy recommendations to encourage disclosures that will help investment

increase in weather disaster risk

decisions through participation in an initiative led by the Task Force on Climate-related Financial• A sharp rise in reinsurance premiums due to increases in large-scale weather disasters

Disclosures (TCFD) of the Financial Stability Board (FSB)• Worsening fund position due to an increase in insurance claims payment amounts resulting from• Creating a sustainable society by utilizing disaster risk financing and an insurance scheme

weather disasters• Enlightenment and educational activities related to weather disaster risk

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CSR Management

natural disasters caused by climate change. The insurance business has a close relationship with weather❖ Relation between written content and SDGs

Resolving disaster issues and mitigating disaster damage are two major concerns in the international
community and challenges we should tackle. Consequently, Tokio Marine Group engages in an array

11.5 Significantly reduce the numberof deaths and the number of people
affected by disasters, including waterrelated disasters

Product and Service
Planning and Research

11.b Implementing integrated policies
and plans towards inclusion, resource
efficiency, mitigation and adaptation toclimate change in line with the Sendai
Framework for Disaster Risk Reduction
2015-2030

Product and Service
Planning and Research

Lessons to cultivate the ability to survive a disaster; and Contributing to disaster prevention andmitigation, utilizing the ecosystems in coastal areas.
We are applying our knowledge in the areas of natural disasters as well as disaster prevention andmitigation, which we have accumulated through research on natural disaster risk and participation
in international initiatives, to the development and provision of products and services leading to
the safety and security of customers and local communities well into the future. At the same time,
we are promoting activities to disseminate our knowledge on disasters and disaster prevention
and mitigation widely throughout society through such efforts as raising disaster prevention
awareness of children as well as companies before a disaster strikes. Even after a disaster, we focus
on making appropriate and swift claims payments and providing services for the early recovery ofbusiness operations of companies affected by the disaster. Tokio Marine Group seeks to contribute

11. Sustaina-ble cities andcommunities

to building a safe and secure society that is strongly resilient to natural disasters by providing total
responses before and after disasters through its diverse products and services and various initiatives,
including activities to raise disaster prevention awareness, provide relief funds and engage employee
volunteers.
Tokio Marine Group’s initiatives to promote disaster prevention contribute to achieving five of the13.1 Strengthen resilience and adaptive
capacity to climate-related hazards andnatural disasters

Sustainable Development Goals (SDG) specified in “Transforming our World: the 2030 Agenda for
Sustainable Development,” which was adopted at the United Nations Sustainable Development
and infrastructure), SDG 11 (Sustainable cities and communities), SDG 13 (Climate action) and SDG
17 (Partnerships for the goals). We will continue to promote our efforts to make society resilient tonatural disasters by collaborating with various stakeholders.

Building a Society Capableof Adapting to Climate
Change and Weather
Disaster Risk

Building a Society Capableof Adapting to Climate
Change and Weather
Disaster Risk

All content in general

Product and Service
Planning and Research
Pre-Disaster Action

17.16 Enhance the global partnership for Product and Service
sustainable development
Planning and ResearchMulti-Stakeholder Dialogue

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17. Partnerships for the goals

13.3 Improve education, awarenessraising and human and institutional
capacity on climate change mitigation,
adaptation, impact reduction and early
warning

Product and Service
Planning and Research

CSR Management

13. Climate action

Summit in September 2015. These five goals are: SDG 1 (No poverty), SDG 9 (Industry, innovation

Participation in the WorldBank’s Pacific Disaster Risk
Financing Pilot ProgramCore Theme 3 /Supporting People

Product and Service
Planning and Research

9. Industry, innovation andinfrastructure

9.a Facilitate sustainable and resilient
infrastructure development indeveloping countries through enhanced
financial, technological and technicalsupport to small island developing
States
9.5 Enhance scientific research, upgrade
the technological capabilities ofindustrial sectors in all countries

academia collaboration between Tohoku University and Tokio Marine & Nichido; Disaster Prevention

All content in general

Core Theme 2 /Protecting the Earth

1. No poverty

1.5 Build the resilience of the poorand those in vulnerable situations andreduce their exposure and vulnerability
to climate-related extreme events

Core Theme 1 /Providing Safety and Security

Relevant target

Private Sector Example Initiatives for Building National Resilience,” a reference material published by
the Cabinet Secretariat (May 2018 edition). These are: Earthquake and tsunami risk research, industry-

Description ofrelated content

Relevant goal

Governanceof initiatives in relation to disaster prevention, including three initiatives cited in the “Compilation of

Tokio Marine Group's CSR

Making Society Resilient to Natural Disasters

1. Various Initiatives to Support Customers in Their Times of Need

1. Various Initiatives to Support Customers in Their Times of Need >>■To Deliver Security at the Earliest Possible Opportunity

To deliver a sense of security at the earliest opportunity after an earthquake or any other

Remaining strong and caring to support customers and society in emergencies – This is an aspiration

disaster, Tokio Marine Group takes all possible measures for smoothly receiving insurance claims

shared throughout all activities of Tokio Marine Group.
A strong earthquake that hit the northern part of Osaka in June 2018 inflicted considerable damage

disaster-related products and services including support services for early recovery.

mainly in the Kansai region. Immediately following the earthquake, Tokio Marine & Nichido set up
a head office disaster management task force and a local response headquarters, and to ensure theearliest possible claim payments, quickly established a claim service structure to handle many more

With a view toward providing products and services leading to the safety and security ofclaims than ordinary times by setting up a backup office that integrates initial response and various

customers and local communities well into the future, Tokio Marine Group has been promoting

business administrative functions. Employees, appraisers and loss adjusters dispatched to the disaster

research on risks concerning climate change and natural disasters through industry-academia

areas visited customers affected by the disaster to check the status of damaged houses and buildings.

collaboration. The Group also collaborates with insurance companies worldwide to engage in
multi-stakeholder dialogue aimed at reducing and mitigating the risks placed on economic and

In addition to making swift response to customers who have reported losses, as just described, we

social life.

believe that it is also a social mission of a non-life insurance company to proactively notify possible
claim payments to customers who are likely to be entitled to such payments. We contacted customers
and remind them of their enrollment in our earthquake insurance. We also sent out brochures

3. Products and Services >>that explain claim payment requirements and other relevant matters and notify contact points for

Based on the lessons learned from earthquakes and other disasters in the past, and as a means

customers to report any loss.

to help people prepare for future disasters, Tokio Marine Group promotes the development andprovision of products and services tailored to new risks.

Based on the lessons learned from earthquakes and other disasters in the past, and as a means to

Head office disaster management task force

help people prepare for future disasters and raise disaster prevention awareness among children
as well as companies, Tokio Marine Group disseminates disaster prevention information throughwith research and other organizations who are our partners in industry-academia collaboration.
The Group also engages in recovery support for affected areas, including employee volunteer
activities.
Satellite office2018 by spreading the roles of recording losses and making initial contact with customers among
non-affected bases.

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We also made a swift initial response to the torrential rains that occurred in western Japan in July

CSR Management

the media and holds disaster prevention seminars and lessons for children and adults jointlyCore Theme 3 /Supporting People

4. Local Community Contribution >>Core Theme 2 /Protecting the Earth

who live in areas largely affected by the disaster but had not reported losses to express our sympathy

Core Theme 1 /Providing Safety and Security

2. Product and Service Planning and Research >>Governancereports. In addition, the Group delivers safety and security to all people and society by providing

Tokio Marine Group's CSR❖ Section composition

process allows Tokio Marine & Nichido to significantly increase the efficiency of its work, from when

We have implemented an emergency measure concerning policy renewal and premium payment

a customer provides loss estimates and other necessary documents until its loss appraisers prepare

for policyholders living in areas to which the Disaster Relief Act has been applied. The emergency

a report. It in turn ensures swift claims payments to affected customers by greatly reducing the timemeasure has been announced on our website and Group companies’ corporate websites and throughrequired to do so (usually about one month if done by loss appraisers).

other means.
In the event of a large-area disaster that often imposes considerable pressure on loss appraisers,
the use of drones in damage investigation can increase its speed and the number of customers’

To support disaster victims, Tokio Marine Holdings is broadly soliciting donations from employees

properties undergoing investigation. Currently, the process is mainly applied to damage sustained

and agents of Tokio Marine Group companies in and outside Japan.

by plants and warehouses owned or operated by companies, but we will examine the possibility ofextending its scope to damage on individual customers’ housing and properties.

■Initiative to Utilize Drones and AI in Making Insurance Claims Payments

Tokio Marine & Nichido will continue to provide claims services more closely aligned with customers.

– Using AI to Analyze Images Taken by Drones to Accelerate Damage Investigation

At the same time, we will work to achieve even greater customer satisfaction by leveraging leading-and Repair Costs Calculation –­edge technology.

Core Theme 1 /Providing Safety and Security< Other recovery and reconstruction support >Governancecustomers’ consent, and the results of image diagnoses by loss appraisers. This AI-driven automatic< Emergency measure for policyholders >Tokio Marine Group's CSR■Response to Customers Affected by the Disaster

Larger and more frequent natural disasters in recent years have caused considerable damage to both
Tokio Marine & Nichido has formed a partnership with BELFOR (Japan) Co., Ltd., a company

company perform on-site investigations to assess damage. The insurance company then calculatespossessing highly specialized technologies in the disaster recovery support field, and has been

and closely examines the amount of claims based on their investigation results, photos of damagedsites, loss estimates and other materials before making claims payments. Checking damage on theproviding the Early Disaster Recovery Support Service for corporate customers. The company has
added a new rider to essentially all of its fire insurance* for business operators to cover the expenses

roof of a plant or warehouse, in particular, poses risk to loss adjusters or appraisers, sometimes

for emergency stabilization measures, allowing policyholders to use the Early Disaster Recovery

hindering detailed damage investigation. A large facility also requires a certain period of time to

Support Service of BELFOR under specified conditions without incurring additional costs.

finish investigating all damaged areas.
The availability of the Early Disaster Recovery Support Service jointly provided by Tokio Marine &Nichido and BELFOR expanded from Japan to the United States, Europe and Southeast Asia. We

as drones in performing accurate and swift damage investigation and repair costs calculation

now have a system to provide support for the early recovery of business operations to customers

before making claims payments to customers. In June 2019, Tokio Marine & Nichido partnered withthroughout the world.

Airobotics Co., Ltd., a company excelling in drone-based aerial photography technology and image* Excluding Super Business Insurance that does not cover property damage and loss arising from suspension of operations

analysis using artificial intelligence (AI), and launched an initiative to accelerate the process fromdamage investigation to repair costs calculation by having AI analyze multiple images taken bydrones. Specifically, aerial images of a plant or warehouse taken by Airobotics’ drones are patched

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together to create imagery data that clearly shows affected areas and their damage levels. AI

CSR Management

For these reasons, Tokio Marine & Nichido has been examining ways to utilize technology such

Core Theme 3 /Supporting People■Early Disaster Recovery Support Service through a Tie-Up with BELFOR

by corporate customers. Following such a disaster, loss adjusters or appraisers of an insuranceCore Theme 2 /Protecting the Earthhousing and properties of individual customers as well as plants and warehouses owned or operated

analyzes the resulting data to automatically identify damage and quickly calculate loss amount. The
accuracy can be improved by letting AI learn from a vast quantity of imagery data, collected with56

BELFOR uses its precision cleaning techniques to restore the condition and functions of contaminatedUpon being informed by a customer of the occurrence of a disaster or accident, we contact BELFOR

equipment and facilities, for which replacement was the only option available in the past. This

after obtaining consent from the customer for dispatching a crew. BELFOR immediately visits thehelps reduce the business interruption period significantly and is particularly effective in case ofdamaged site, conducts an on-site inspection and draws up a “contamination map” that identifies

customized facilities that require a considerable amount of time to replace.

contaminated areas within the site.
↓

1. Precision cleaning↓

A technology to dismantle equipment, clean its electronic circuit board by using BELFOR’s originallydeveloped alkali cleaner and deionized water, dry it completely in a vacuum chamber and reassemble

To prevent further damage, BELFOR applies emergency stabilization measures, as necessary, to inhibit

the equipment

the progression of corrosion and rust in facilities.
↓↓
Step 3) Proposal of an optimal recovery plan
We propose an optimal recovery plan to the customer.

Before↓After

Core Theme 1 /Providing Safety and Security

Step 2) Emergency stabilization measures

Governance< Representative examples of BELFOR’s special techniques >Step 1 ) Verification of disaster and contamination

Tokio Marine Group's CSR< Disaster Recovery Flow Using BELFOR >↓2. Ultrasonic cleaning

During full-scale restoration operations, BELFOR conducts the restoration of buildings and equipment

A technology to remove corrosion in a short time by cleaning corroded metal equipment via

contaminated with smoke and soot due to fire or mud caused by flooding by using its special

BELFOR’s originally developed rust removal agent in an ultrasonic cleaning tankcleaning techniques, know-how and originally developed chemicals.

After

3. Soot removal film (SRF)
natural rubber to walls and ceiling and peeling off a dried rubber film afterwards

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Peeling process

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Spraying process

CSR Management

A technology to remove contamination without using water by spraying a liquid mostly consisting ofCore Theme 3 /Supporting People

BeforeCore Theme 2 /Protecting the Earth

Step 4) Full-scale restoration by BELFOR

to disseminate the ideas of an insurance mechanism and risk management practices in developing

an area information network in time of disaster with the 38 member FM radio stations of the Japancountries and regions particularly vulnerable to the impact of climate change and natural disasters in

FM Network Association (JFN). Under the agreement, Tokio Marine & Nichido and each of the JFN

accordance with the Sendai Framework for Disaster Risk Reduction 2015-2030, which provides newmember FM radio stations exchange information via telephone lines in the event of an earthquakeworld guidelines for disaster risk reduction. To this end, we are working to resolve disaster issues andor any other disaster. Tokio Marine & Nichido will provide disaster-related information on affected

mitigate disaster damage globally by using the outcomes of our industry-academia research to theareas, including damage status, as well as procedural guidance for filing insurance claims, while thebenefit of society and by taking part in international initiatives, such as the UNDRR Private Sector

radio stations transmit the information within these areas, across the corresponding prefecture andAlliance for Disaster Resilient Societies (ARISE) and The Geneva Association’s Climate Change andnationwide. Through this collaboration, we aim to ensure the security of local community members

Emerging Environmental Topics (CC+EET) Working Group.

and help to support the recovery and reconstruction of affected areas.
■ Building a Society Capable of Reducing and Adapting to Risks Resulting
from Climate Change and Natural Disasters
The 21st session of the Conference of the Parties to the UNFCCC (COP21) held in December 2015
adopted the Paris Agreement as a new international framework of measures against climate change
for 2020 onwards. As the world’s common long-term goal, the Paris Agreement aims to keep a global
temperature rise below 2 degrees Celsius above pre-industrial levels. The agreement also makes aCore Theme 1 /Providing Safety and Security

In August 2014, Tokio Marine & Nichido concluded an agreement concerning the establishment ofGovernancebelieve that in addition to providing products and services in developed countries it is also important

Tokio Marine Group's CSR■ Area Information Network in Time of Disasterclear link between itself and the Sendai Framework for Disaster Risk Reduction 2015-2030, whichin March 2015. There is a concern for the growing natural disaster risk due to climate change, andTokio Marine Group, working to resolve disaster issues and mitigate disaster damage, also gives due
attention to the goal of the Paris Agreement and intends to contribute to its achievement.

Core Theme 2 /Protecting the Earth

was adopted at the Third United Nations World Conference on Disaster Risk Reduction held in Sendai

Climate change due to global warming and other factors is considered to possibly bring about
only on past statistical data may prevent appropriate risk assessment and significantly impact thecalculation of insurance premiums and the ability to pay insurance claims in the event of a serious
disaster.

2. Product and Service Planning and ResearchGroup’s CSR material issues included in this theme, also comprises a major management issue

and on earthquake and tsunami risk through industry-academia collaboration and presents thethat the global insurance industry must address in the medium to long term. Through industry-

outcomes at conferences and forums on disaster risk reduction. We also utilize these outcomes inacademia collaboration with The University of Tokyo, Nagoya University, Kyoto University and Tohoku

our social contribution activities and disseminate relevant information to the public. Additionally,

University, Tokio Marine Group engages in research on climate change and natural disaster risk in

we proactively participate in initiatives and events related to climate change to disseminate thean effort to gain deeper scientific insight into disaster prevention and mitigation and to raise theoutcomes and details of our industry-academia research activities to the world and engage in multi-

sophistication of measuring methods through risk modelling to ascertain risk volume in even greater

stakeholder dialogue to share information about the latest research projects and discuss how todetail. Our efforts in this area include development of a stochastic risk assessment approach. We

promote disaster prevention.

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In response, Tokio Marine Group conducts research on climate change and natural disaster risk

CSR Management

Responding to risks associated with “climate change and natural disasters,” one of Tokio Marine

Core Theme 3 /Supporting People

major changes in the frequency and scale of weather disasters in the future. As such, basing analyses

Climate Models• With the aim of forecasting future changes in typhoon risk due to global warming, the Tokio
Marine Research Institute has been undertaking joint research with The University of Tokyo using
an originally developed stochastic typhoon model that estimates future changes in typhoons. Moreaddition to assessing the impact of global warming on typhoon risk.
• The Atmosphere and Ocean Research Institute at The University of Tokyo, our partner in this joint
research, has been conducting research into climate change and other climate systems using an
Masahide Kimoto and other researchers have contributed as lead authors to the creation of the
IPCC assessment reports, which are a compilation of the latest findings on climate change, and The
University of Tokyo has received acclaim from around the world for the widely used research results.

《 Research on Climate Change and Natural Disaster Risk》• The charts below show estimates of the impact of global warming on typhoons based on climate■ Building a Society Capable of Adapting to Climate Change and Weather Disaster Riskchange forecast data from institutions worldwide, using the stochastic typhoon model. These charts

By matching forecasts of future changes in risk due to climate change and other meteorological risk

indicate the possibility that future typhoons will take more eastward tracks and will become stronger.

assessment approaches to a base of conventional risk assessment approaches, Tokio Marine Group isCore Theme 1 /Providing Safety and Security

integrated analysis of observation data and results of simulations based on climate models. Professor

Governancerecently, we have also been engaging in research related to forecasts of annual typhoon trends in

Tokio Marine Group's CSR

Joint Research with The University of Tokyo: Forecasting Future Changes in Typhoon Risk Using

aiming to create a more advanced approach to climate change and weather disaster risk assessment.
Core Theme 2 /Protecting the Earth

Utilizing Research Outcomes to Provide Products and Services for Adapting to Climate Change
There is a concern that damage concerning natural disasters will increase due to climate change andthe resulting greater fluctuations in natural phenomena. Tokio Marine Group is promoting initiatives
to resolve weather and other disaster issues and mitigate disaster damage through its business
operations. However, as changes in climate and fluctuations in natural phenomena increase, using

Core Theme 3 /Supporting People

only the past disaster and insured contingency data may prevent appropriate weather disaster risk
assessment and may reduce our ability to provide insurance products and services covering weather
disaster risk to customers and local communities as we have done previously.
In response, Tokio Marine Group seeks to promote research on climate change and weather disaster

CSR Management

risk in collaboration with the world’s leading scientists and researchers and to use research outcomes
and other various findings broadly to the benefit of society. Simultaneously, as a corporate groupengaging in the insurance business, we intend to translate our research activities into the ability tosustainably provide insurance products and related services to customers and local communities.
Tokio Marine Group will continue to forge ahead with research on climate change and natural disaster

CSR Libraryrisk with the world’s leading scientists and researchers through industry-academia collaboration andproactively leverage knowledge gained through such research.

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Joint Research with Kyoto University: Assessment of Water Disaster Risk under Future Climate

generation and tracks, blue represents locations where typhoons will decrease in the future, andConditionsof quantitatively assessing changes in water disaster risk under future climate conditions. By also

Joint Research with Nagoya University: Analysis of Changes in Precipitation Trend due tobeen gained through joint research with Nagoya University, we are conducting research on methods

Global Warming

to assess water disaster risk under future climate conditions. The Disaster Prevention Research• With the aim of forecasting how climate phenomenon such as typhoons and torrential downpours

Institute and the Graduate School of Engineering at Kyoto University have top-class researchers inleveraging know-how for estimating precipitation volume under future climate conditions, which has

are changing along with climate change, the Tokio Marine Research Institute is performing joint

this area, including Professor Eiichi Nakakita and Professor Yasuto Tachikawa, who are co-researchers

research with Nagoya University on changes in the precipitation pattern resulting from global

at the Tokio Marine Research Institute. Working with Kyoto University, the Tokio Marine ResearchInstitute has developed a rainfall runoff volume model for Japan’s rivers to simulate river flow volume

at Nagoya University, our partner in this joint research, has developed a high spatial resolution

based on precipitation data.

model capable of performing detailed simulation of such aspects as clouds and precipitation, and is• The charts below show the results of flood simulations on the Arakawa River based on the rainfall

advancing research into the mechanisms of torrential rain, typhoons and other phenomena.

runoff model and river flow volumes calculated using precipitation data from the d4PDF. The chart on• As an example, the charts below show the results using Nagoya University’s high spatial resolution

the right simulates a flood under future climate conditions with increased global warming. It showsmodel to simulate the July 2018 heavy rain. Comparing the chart on the left showing the simulation

wider water-immersed surface areas and deeper water immersion than the chart on the left, which

results and the chart on the right showing the actual observed rainfall amounts, we can see that theshows a flood under the current climate conditions.

simulation has adeptly re-created precipitation volume.

•With a view to developing a rainfall runoff model for rivers outside Japan, we are currently• Currently, we are carrying out survey and analysis of torrential rain patterns under future climate

conducting research on rivers in Vietnam and Thailand.

conditions by using the Database for Policy Decision-Making for Future Climate Change (“d4PDF”), a
database created through a large-scale ensemble experiment.

Core Theme 2 /Protecting the Earthwarming. Professor Kazuhisa Tsuboki from the Institute for Space-Earth Environmental ResearchCore Theme 1 /Providing Safety and Security• The Tokio Marine Research Institute is engaging in joint research with Kyoto University with the aimpressure, blue represents locations where central atmospheric pressure will decrease in the future.

Governance

red represents locations where they will increase. Also, in the chart showing central atmospheric

Tokio Marine Group's CSR

The charts at the bottom show warming differentials. Of these, in the charts showing typhoon

Core Theme 3 /Supporting People
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earthquake and tsunami risk and activities to promote disaster prevention and mitigation in local

academic and other conferences.

communities. To date, we have conducted assessment of actual damage caused by the East Japan• Since fiscal 2008, we have been continually announcing the results of joint research with The

Earthquake, assessment of tsunamis following major past earthquakes and research on tsunami risk

University of Tokyo, Nagoya University and Kyoto University, respectively, at the Meteorologicalassessment methods that take into consideration vulnerabilities and disaster readiness capabilities inSociety of Japan.

society both in Japan and overseas. We have also held seminars and developed disaster prevention• Since fiscal 2013, we have been announcing the results of joint research with Nagoya University andeducational tools to disseminate the knowledge thus obtained widely throughout society.

• Since fiscal 2017, we have been announcing the results of joint research with Nagoya University and
Kyoto University, respectively, at the Japanese Society of Insurance Science.
[Major presentations (examples)]Meteorological Society of Japan presentation (research on typhoon risk) (in Japanese)(PDF/ 2.8 MB)
Japan Society of Hydrology and Water Resources presentation (research on water disaster risk)

Image of a tsunami simulation model
Source: IRIDeS, Tohoku University(in Japanese) (PDF/1.8MB)

Endowed Research Division, IRIDeS, Tohoku University• Our activities since April 2012 were selected as a winner of the third Good Practice award in the

In recent years, low-frequency major earthquakes have inflicted serious damage around the world, as

insurance category at the annual general meeting of the Ministry of the Environment’s Principles forseen in the earthquakes in Chile and Northern Sumatra, the Great Sichuan Earthquake and the Great

Financial Action for the 21st Century initiative held on March 11, 2015.

East Japan Earthquake. Against this background, Tokio Marine Group brings together the expertise• Chart 1 on the next page shows the simulation results of the earthquake-induced tsunami in theand data gained through its non-life insurance and risk consulting businesses to advance initiatives

Tohoku region in 2011, which hit Kesennuma City, Miyagi Prefecture. This simulation enables us toleading to the safety and security of society.

estimate the distribution of debris and other objects washed ashore and the volume of tsunami• Chart 2 provides tsunami hazard maps showing tsunamis that have occurred around the world in• In July 2011, Tokio Marine & Nichido concluded an industry-academia collaborative agreement

the past 400 years. These maps indicate that we need to examine not just past tsunamis but alsowith Tohoku University and began research and development and human resource development

those that are likely to occur in the future.

initiatives in disaster science. The initiatives drew upon Tohoku University’s knowledge and data

• In March 2017, our research on effects of coastal forests to mitigate tsunami damage, which isconcerning tsunami risk assessment and other areas of disaster science, and Tokio Marine & Nichido’s

being conducted since April 2015, won an outstanding achievement award in the Green Resilienceknowledge and data concerning earthquake and tsunami risk accumulated through its insuranceAward category of the Japan Resilience Awards 2017 hosted by the Association for Resiliencebusiness.

Japan. Under the same award program, our industry-academia collaborative initiative with Tohoku• At Tohoku University, our partner in this collaborative research, the International Research Institute

University for building a disaster-resilient community won an excellent award in March 2018.

of Disaster Science (IRIDeS) and an endowed research division named the Earthquake-induced

Through industry-academia collaboration with Tohoku University as well as collaboration with

Tsunami Risk Evaluation Field (Tokio Marine & Nichido) established within IRIDeS have researchers,various industry, government, academia and private-sector stakeholders, Tokio Marine & Nichido will

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Institute of Disaster Science at Tohoku University

CSR Management

as well as post-disaster response plans.

Core Theme 3 /Supporting People

deposit, and provides data that is valuable in formulating measures for preventing combined damage
Earthquake and Tsunami Risk Research in Collaboration with the International ResearchCore Theme 2 /Protecting the Earth■Building a Society Capable of Reducing and Adapting to Earthquake and Tsunami Risk

Core Theme 1 /Providing Safety and Security

Kyoto University, respectively, at the Japan Society of Hydrology and Water Resources.

Governanceincluding Professor and IRIDeS Director Fumihiko Imamura, who are engaging in assessment of

We will publicize the results of the above joint research to a broad audience through presentations at

Tokio Marine Group's CSR

Research Presentations at Academic Societies and Other Gatherings

Disaster Surveys

communities and countries across the world and deliver solutions for a safe and secure future.

We also conduct damage and other surveys and risk assessment when a major disaster strikes in or
outside Japan. In June 2016, we conducted a field survey of the damage caused by the Kumamotoof Fukushima Prefecture in November 2016, we conducted a survey on the response of society
along with a damage survey. The survey results have been presented in the “The Frontline of Risk
Management,” a series of reports published by Tokio Marine & Nichido Risk Consulting, a Tokio Marine

Chart 1: Simulation of the combined damage
in Kesennuma City caused by the earthquakeinduced tsunami in the Tohoku region in 2011
(Created by IRIDeS, Tohoku University)

Chart 2: Tsunami hazard maps showing tsunamis that have occurred around theworld in the past 400 years (Created by IRIDeS, Tohoku University)

Summary of Activities to Date
In April 2012, an endowed research division named the Earthquake-induced Tsunami Risk Evaluation
Field (Tokio Marine & Nichido) was established within IRIDeS at Tohoku University. This division has
been engaging in research on the following topics.

Research Presentations at Academic and Other Conferences
We present and disseminate the results of the above research at academic conferences andsymposiums both in and outside Japan. In fiscal 2018, we conducted 12 presentations at academic

April 2016 〜• Research on damage to farming rafts and eelgrass beds caused by the 2011 earthquake andtsunami• Research on assessment of global tsunami hazards and risk
• Research on human damage in past tsunamis

Risk Reduction and the Future held in Sendai, Miyagi Prefecture, in March 2019. The International
Union of Geodesy and Geophysics (IUGG), a large international organization promoting scientificstudies of the Earth, held its general assembly in Montreal, Canada, in July 2019. At the assembly,
faculty members of our endowed research division within IRIDeS presented the results of ongoingearthquake and tsunami risk research. The assembly also decided to hold the 30th International
Tsunami Symposium (ITS2021) in Sendai in July 2021. Toward the year 2021 that will mark a milestoneof 10 years since the Great East Japan Earthquake, we will further work to disseminate information in
Japan and overseas at various opportunities, including the Fourth National Conference on Disaster
Risk Reduction to be held in Nagoya in October 2019 and the Second World Disaster Risk Reduction(Bosai) Forum scheduled for November 2019 in Sendai.
[Major presentations (examples)]Presentation at the Third National Conference on Disaster Risk Reduction and the 2019 Sendai
Symposium for Disaster Risk Reduction and the Future (in Japanese) (PDF/2.5MB)
Presentation at the 2018 annual meeting of the Asia Oceania Geosciences Society (AOGS)(in Japanese) (PDF/2.3MB)
Presentation at the 2019 general assembly of the International Union of Geodesy and Geophysics(IUGG) (in Japanese) (PDF/4.8MB)

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April 2015 〜• Research on effects of coastal forests to mitigate tsunami damage• Research on raising the sophistication of tsunami numerical simulation models(encompassing simulations of tsunami-induced flooding, movement of floating objects andmovement of soil)• Development of a mobile application (to assess the depth of immersion and immersed
surface areas of the 2011 tsunami and subsequent damage to fishing boats)

Disaster Risk Reduction held in Tokyo in October 2018 and the 2019 Sendai Symposium for Disaster

CSR Management

April 2012 〜

Research into earthquake and tsunami risk assessment• Analysis of the wave height distribution and arrival time of tsunamis caused by major pastearthquakes, including the Great East Japan Earthquake• Research and development of more reliable damage simulations that take into consideration
vulnerabilities and disaster readiness capabilities in society both in Japan and overseas andtsunami risk assessment methods that factor in the probability of occurrence• Research into tsunami evacuation (e.g., providing basic information for disaster mitigation
planning of coastal areas and cooperating in formulation of tsunami evacuation plans ofregional municipal bodies)conferences in Japan and overseas and disseminated information at the Third National Conference onCore Theme 3 /Supporting People

Research topic

Core Theme 2 /Protecting the Earth

PeriodCore Theme 1 /Providing Safety and Security

Group company.

Governanceearthquakes. Also, in response to the tsunami induced by an earthquake that occurred off the cost

Tokio Marine Group's CSR

continue to promote efforts to support recovery of disaster-affected areas, increase resilience in local

< Supporting the Formulation of Disaster Mitigation and Tsunami Evacuation Plans of Regional■ Local Disaster Prevention and Social Contribution Activities

Municipal Bodies >Tokio Marine & Nichido’s endowed research division (Earthquake-induced Tsunami Risk Evaluation

Utilizing the lessons learned from the Great East Japan Earthquake, Tokio Marine & Nichido’s

on earthquake and tsunami risk assessment and tsunami evacuation procedures. The division

endowed research division (Earthquake-induced Tsunami Risk Evaluation Field) established withinprovides its research outcomes as basic information for disaster mitigation planning of coastal

IRIDeS, Tohoku University, started providing school disaster mitigation awareness lessons for children

areas and cooperates in formulating disaster evacuation plans of regional municipal bodies. Jointly

in fiscal 2014 to build a society resilient to disasters. The

with IRIDeS, the division also promotes such activities as disseminating information and providing

lessons have been provided at schools to more thanrecommendations for raising disaster readiness and mitigation for society as a whole.

10,000 children in Japan. The scope of the activity is
expanding from Tohoku to other regions, which are likely■ Website and Booklets

to be affected by an impending earthquake in the Nankai
Trough and its subsequent tsunami. Overseas, the activity
is now carried out also in Hawaii, Thailand, Indonesia and

For Tomorrow’s Smiles: Disaster Readiness and Mitigation Information Website, and Clear Filethe Philippines.

Folder for Disaster Prevention

Core Theme 1 /Providing Safety and Security

Field) established within IRIDeS at Tohoku University in April 2012 has been engaging in research

Governance< Providing School Disaster Mitigation Awareness Lessons through Tohoku University >Tokio Marine Group's CSR《 Dissemination of Information》

Since March 2013, Tokio Marine & Nichido has been
operating the “For Tomorrow’s Smiles: Disaster Readinesseducational materials that describe disaster risk from a scientific viewpoint, yet in a manner easily

and M itigation I nfor mation Website” with the aim

comprehensible by children. An original group work tool incorporating elements of brain science andof contributing to the creation of a secure, safe andcognitive psychology, “Disaster Prevention and Mitigation Stamp Rally (stamp collecting game),” hassustainable society and providing an opportunity foralso been developed and is used as a teaching aid. As we surveyed and analyzed changes in children’s

people to think about disaster readiness and mitigation.

Core Theme 2 /Protecting the Earth

The lessons translate the knowledge cultivated through disaster science research of IRIDeS into

awareness, we discovered that there is a regional distinction in basic levels of disaster risk awarenessUtilizing knowledge obtained from joint research throughawareness immediately after the lessons, but a decline in awareness over time is greater in theindustry-academia collaboration with IRIDeS at Tohoku

second group than in the first group. In the face of increasing and diversifying disasters, it is essential

University, this site uses illustrations, comics and games to offer easily understood explanations ofto provide disaster prevention education on a continuous basis for promoting disaster prevention

the mechanisms behind “earthquakes, tsunamis, typhoons, tornadoes, torrential downpours andand mitigation.

heavy snowfalls, as well as infectious diseases,” along with such other topics in preparing ourselvesChildren who have received our school disaster mitigation awareness lessons are now leading

to calculate the necessary amount of emergency food to be stockpiled at home.

disaster prevention in their local communities. Among similar initiatives undertaken by universities
For Tomorrow’s Smiles: Disaster Readiness and Mitigation Information Website (in Japanese)

nationwide, our lessons are unique in that these are social contribution activities covering muchgreater areas. At the Japan Resilience Awards 2018, our initiative won a gold award in the Educational

CSR Library

Institutions category. Tokio Marine Group will continue to collaborate with Tohoku University andCSR Managementfor disasters. Other information to help promote disaster awareness includes a simple and useful toolCore Theme 3 /Supporting People

between disaster-prone regions and disaster-free regions. Both groups show similarly higher risk

facilitate activities to raise children’s disaster prevention awareness.

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Clear File Folder for Disaster Prevention, which lists

Secretary-General for Disaster Risk Reduction. On March 16, 2015 Tokio Marine & Nichido also held

emergency goods households should have on hand at

The Geneva Association’s Public Forum Event, “Insurance as contributors to problem solving andall times and specific measures to take in the event of a

impact reduction,” at the Third United Nations World Conference on Disaster Risk Reduction, which

natural disaster, including an earthquake or tsunami. The

took place once again in Sendai. During the conference, Shuzo Sumi, the then Chairman of the Board

folder is available in five versions, Earthquake, Tsunami,of Tokio Marine & Nichido, and Anna Maria D’Hulster, Secretary General of The Geneva Association,

Emergency Goods, Earthquake (“Action” edition) andalong with other members, met with Margareta Wahlström and confirmed that the insurance industry

Water and Landslide Disasters, and is useful for keeping important documents in case of a disaster.

will continue to work together with the United Nations and other organizations under the Sendai

These file folders are distributed during Disaster Prevention Lessons, which are hosted by the

Framework for Disaster Risk Reduction 2015-2030 and contribute to ensuring disaster readinesscompany and conducted by employee and agent volunteers at elementary schools, included in Tokioaround the world.

Marine Group’s annual Sustainability Booklet and used in marketing operations as novelty goods tocustomers, thereby offering ideas of disaster prevention measures that combine the latest knowledge

The 21st session of the Conference of the Parties to the UNFCCC (COP21) was held from the endof a university research institute and an insurance company to the public in an easy-to-understandof November to early December 2015 in Paris, France. Taking the opportunity of COP21, themanner.

Organisation for Economic Co-operation and Development (OECD) and The Geneva Association

Tokio Marine Group’s Sustainability Booklet

Core Theme 1 /Providing Safety and Security

where it welcomed Margareta Wahlström, the then United Nations Special Representative of theGovernance& Nichido held the Geneva Association’s “Fifth Climate Risk and Insurance Seminar” in Sendai,

University, Tokio Marine & Nichido has also created the

Tokio Marine Group's CSR

As a result of its joint research with IRIDeS at Tohoku

held the Special Session on Climate Change and the Insurance Sector at the OECD headquarters in
Division Head, CSR Division, Corporate Planning Department, joined the session as a panelist andTokio Marine Group collaborates with insurance companies worldwide to conduct surveys andshared some of the findings of a research project undertaken by Tokio Marine Group to forecast

research into climate change and natural disaster risk and to engage in multi-stakeholder dialogue

typhoon formation under future climate conditions. While explaining our desire to leverage these

aimed at reducing and mitigating the risks placed on economic and social life.

findings in strengthening society’s resilience in the future, he encouraged stronger government andCore Theme 2 /Protecting the Earth

Paris on December 3, 2015. From Tokio Marine & Nichido, Masaaki Nagamura, General Manager and《Multi-Stakeholder Dialogue》

private sector collaboration in developing countries, which are prone to natural disasters, as well
as utilization by governments of the relevant knowledge accumulated by private-sector insurance

Tokio Marine & Nichido participates in The Geneva Association’s Climate Change and Emerging

companies.

Environmental Topics (CC+EET ) Working Group. In collaboration with insurance companies andother participants worldwide, the company is surveying and researching the impacts of regional■Initiatives and Events Related to Natural Disaster and Climate Change Risks

climate change and natural disaster risks on the insurance business, economies and society. As
Report on Disaster Risk Reduction 2013,” Tokio Marine & Nichido assisted with sections concerning

ClimateWise: Thought Leadership “The role of insurers in strengthening business resilience to

the Great East Japan Earthquake, which were included in the “Contribution of the Insurance Industry

climate risk”

in Lessening Disaster Risk: Case Study Collection” (May 2013), a report corroborating statements

Tokio Marine & Nichido is the only insurance company in Asia participating in the U.K.-based

concerning the role of insurance in lessening risk.

ClimateWise climate change initiative. Tokio Marine & Nichido (Chairman at the time Kunio Ishihara),
and the flooding in Thailand, put forth a proposal in February 2013 entitled “The role of insurers

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CSR Librarydrawing on the experiences of insurance companies following the Great East Japan Earthquake
Working in collaboration with The Geneva Association’s secretariat, in October 2013 Tokio Marine

CSR Management

one of the CC+EET Working Group’s initiatives, in creating the United Nations’ “Global Assessment

Core Theme 3 /Supporting People

The Geneva Association: Extreme Events and Climate Risk Working Groupand the National Conference on Disaster Risk Reduction

under ClimateWise. Specifically, the recommendation stated that “advance preparation of business

On August 27 and 28, 2016, the First National Conference on Disaster Risk Reduction was held incontinuity planning (BCP) that factors in supply chain risks, along with rapid business recovery

Tokyo. On the first day, Tokio Marine & Nichido and IRIDeS at Tohoku University hosted an industry-planning, are important in creating resilience against future climate change and natural disasteracademia forum entitled “Providing Safety and Security into the Future – Do We Learn from therisk; as such, companies (and managers) should leverage the knowledge of insurance companies in

Lessons of the Great East Japan Earthquake and Other Disasters?”

addressing these.”
ClimateWise Thought Leadership Series (PDF/ 340.6KB )and the Second National Conference on Disaster Risk Reduction were held in Sendai. On November
27, Tokio Marine & Nichido and IRIDeS at Tohoku University, in collaboration with Tokio Marine &Tokio Marine & Nichido has been implementing measures against climate change in accordance with

Nichido Risk Consulting, again hosted an industry-academia forum entitled “Building a Disaster-

the ClimateWise Principles that are based on the recommendations of the Task Force on Climate-

Resilient Community in the Asia-Pacific – The Power of Science and Insurance.” After a keynote
presentation by Professor and IRIDeS Director Fumihiko Imamura, we held a panel discussion withpanelists and a moderator from the Asia-Pacific Financial Forum, the Ministry of Finance, the World

understanding and management of climate risk; 4. Reduce the environmental impact of our business;

Bank and Tokio Marine & Nichido and provided recommendations on developing an effective disaster5. Inform public policy making; 6. Support climate awareness among our customers/clients; andrisk management system through a public-private-academia partnership to build a society resilient

7. Enhance reporting. Tokio Marine & Nichido has accordingly published the following annual report.

to disasters.

Tokio Marine’s ClimateWise Report Annual Reporting 2018-2019 ( PDF / 618 KB )At the Third National Conference on Disaster Risk Reduction held in Tokyo on October 13 and14, 2018, Tokio Marine & Nichido’s endowed research division (Earthquake-induced Tsunami Risk
Evaluation Field) established within IRIDeS, Tohoku University, ran a booth to hold an exhibition on

Japan Based on “How Businesses Meet the Challenge of Extreme Weather Events”“Research Activities and Social Contribution Related to Disaster Prevention and Mitigation throughOn March 10, 2017, the UNDRR Private Sector Alliance for Disaster Resilient Societies (ARISE) Network

an Industry-Academia Partnership.”Japan hosted a public symposium in Tokyo on the theme of “How businesses meet the challengeof extreme weather events.” In the first part of the symposium, the Japanese government (Cabinet

Jointly with Tohoku University, Tokio Marine Group plans to participate in the Fourth National

Office, Ministry of the Environment and Ministry of Land, Infrastructure, Transport and Tourism)

Conference on Disaster Risk Reduction to be held in Nagoya in October 2019 and the Second World

reported the latest developments in this field. In the second part, members of the ARISE Network

Disaster Risk Reduction (Bosai) Forum to be held in Sendai in November 2019.

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Japan delivered presentations on their initiatives. The Tokio Marine Research Institute, serving asCore Theme 3 /Supporting People

Providing Recommendations to Society in a Public Symposium of the UNDRR ARISE Network

Core Theme 2 /Protecting the Earthrelated Financial Disclosures (TCFD). The seven ClimateWise Principles are: 1. Be accountable;
2. Incorporate climate-related issues into our strategies and investments; 3. Lead in the identification,

Core Theme 1 /Providing Safety and Security

In the next year, from November 25 to 28, 2017, the First World Disaster Risk Reduction (Bosai) Forum

Governance

Providing Recommendations to Society via the World Disaster Risk Reduction (Bosai) Forum(i.e., a proposal to strengthen the role of the insurance industry with respect to climate change risk)

Tokio Marine Group's CSR

in strengthening business resilience to climate risk” as an article in the Thought Leadership Series

a think tank in Tokio Marine Group, gave a lecture on “Modeling flood risks of Arakawa River valley
under future climate,” stressed the need to disseminate information on global warming throughthe promotion of industry-academia collaboration and made recommendations for building a safe,
secure and sustainable future.

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4. Local Community Contribution
Using the lessons learned from earthquakes and other disasters in the past to help people prepare

security to all people and society by developing and providing disaster-related products and services.

for disasters, and through employee volunteer activities, Tokio Marine Group disseminates disasterprevention information via the media and holds disaster prevention seminars for children and adults《 Delivering a Sense of Security before a Disaster》

with support from research institutes who are our joint research partners.

■Consulting for Establishment of Business Continuity Management (BCM)《 Delivering Safety and Security to Children and Small and Medium-Sized Companies》

change in the business continuity initiatives of Japanese companies, with a shift away from a focus■ Disaster Prevention Lessons

on a company’s own bases toward an approach that encompasses the entire supply chain. To ensure

Based on the lessons learned from the Great East Japanbusiness continuity and quick recovery even in the event of earthquakes and group infectious

Earthquake, employee volunteers from Tokio Marinediseases such as new strains of influenza and other unexpected contingencies faced by customers,

Group, including its agents, conduct Disaster Prevention

Tokio Marine & Nichido Risk Consulting provides support for the formulation of business continuity

Lessons to convey knowledge on disaster prevention

plans (BCPs) encompassing supply chains and the establishment of business continuity management

to children and help them prepare for a next disaster.

(BCM) for continually improving these business continuity initiatives.

Disaster Prevention Lessons are a program to raiseCore Theme 1 /Providing Safety and Security

In the wake of the Great East Japan Earthquake and floods in Thailand, there has been a significant

GovernanceIn order to create a society resilient to natural disaster risk, Tokio Marine Group delivers safety and

Tokio Marine Group's CSR

3. Products and Services

readiness for disaster prevention among elementary
school children. Employee volunteers from Tokio Marine& N ichido R isk Consulting developed educational
materials, which were then supervised by the endowed research division named the EarthquakeThe Great East Japan Earthquake and floods in Thailand prompted numerous Japanese companies

Disaster Science (IRIDeS) at Tohoku University, with which Tokio Marine & Nichido has entered into an

to reaffirm their awareness of the importance of risk management, and the interest of companies inindustry-academia collaborative agreement concerning the assessment of earthquake and tsunami

natural disaster risk remains high. With the aim of protecting customers from such natural disasters

risk. In the lessons, children learn about the mechanisms that cause earthquakes and tsunamis andas earthquakes and typhoons, Tokio Marine & Nichido Risk Consulting employs original analysis

think about how to protect themselves in an earthquake and what preparations should be made inmodels to quantitatively identify in advance any earthquake and typhoon risks that may vary among

advance, including what to take with them in an emergency, through a quiz and group discussion.

regions or types of facilities and, based on this analysis, provides cost-effective risk mitigation

The aim is to cultivate a correct understanding of earthquakes among children and the ability tosolutions for customers. For risks concerning earthquakes, in particular, we also provide such services

prepare themselves for an impending disaster. Disaster Prevention Lessons began in fiscal 2012,

as developing estimates of earthquake damage based on the results of field surveys and document

and as of March 31, 2019, have been held about 540 times at elementary schools and special needs

reviews as well as diagnosis of antiseismic capability of buildings and tsunami simulation models.

schools across Japan, with approximately 40,050 children attending. Recently, needs for lessons“delivered” to schools are on the rise, and there has been an increasing number of cases where local

Tokio Marine & Nichido Risk Consulting: Natural Disaster Risk Assessment (in Japanese)governments and educational institutions collaborate with companies in providing such lessons. We

Tokio Marine & Nichido Risk Consulting: Measures to Reduce Natural Disaster Risk (in Japanese)

will continue to deliver safety and security by engaging in awareness and educational activities for

CSR Management

induced Tsunami Risk Evaluation Field established within the International Research Institute ofCore Theme 3 /Supporting People■Natural Disaster Consulting

Core Theme 2 /Protecting the Earth

Tokio Marine & Nichido Risk Consulting: Business Continuity Management (BCM) /Business Continuity Plan (BCP) (in Japanese)

disaster readiness through our Disaster Prevention Lessons.
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《 Recovery Support》

Organizations

Tokio Marine Group engages in recovery support for disaster-affected areas, including employee

Tokio Marine & Nichido offers a program to assist in the formulation of business continuity plansvolunteer activities.

Tokio Marine Group's CSR■BCP Workshop in Collaboration with Local Governments, Chambers of Commerce and Other(BCP) for small and medium-sized companies. About 100 employees nationwide, who have completed
Tok io M arine Group has been engaging

associations and financial institutions. Unlike a lecture-style seminar, the workshop starts with ain activities to support areas affected bysimulation for participants to experience an earthquake to cultivate keener awareness for the need of

the Great East Japan Earthquake. Startinga BCP. Then, participants engage in group work to create an outline of a BCP. After the workshop, thefrom May 2011 immediately following thecompany provides follow-up services to help the companies complete their respective BCPs.

disaster, Group company employees, agentsand their families across the country haveprovided support to disaster areas in Otsuchi-

and “Easy, Understandable BCP Planning Sheet”

cho (Kamihei-gun) and Rikuzentakata City

We have developed “Rethink Now! Earthquake in the Foreseeable Future and Preparation for It,” ain Iwate Prefecture and Ishinomaki City andbooklet designed to raise awareness of earthquake risk, and “Easy, Understandable BCP Planning

Kesennuma City in Miyagi Prefecture. Their

Sheet,” a tool for small and medium-sized companies to grasp an overall picture of a BCP in one

activities include removing disaster debris, cleaning up houses damaged in the tsunami, removing

sheet and make their first step in formulating their own BCPs. The booklet and planning sheet are

mud from houses and street drainage gutters, assisting in agricultural and fishery related work,

together available in multiple versions by business type, covering such industries as manufacturing,sorting books for donation to libraries in disaster areas and cleaning damaged and mud-covered

construction, retail and transportation in addition to hotels/inns and nursing homes for the elderly.

photographs and documents.

These tools are also intended to enable companies to raise the level of their own BCPs as well as
Tokio Marine & Nichido is also supporting two NPOs engaging in activities to restore tsunami-

the idea of BCP among their employees. Through our employees and agents, we distribute thesedevastated coastal forests in Natori City and Watari-cho, respectively, along the coast of Miyagi

combined tools to companies, local governments, chambers of commerce and commerce andPrefecture.

industry associations.
In Natori City, the Organization for Industrial, Spiritual and Cultural Advancement-International(OISCA) has been leading the Ten-Year Restoration Project of the Coastal Forests of Tohoku Region.

NichidoIn the project, the company has been participating in activities to restore coastal pine tree forests in

The Tokio Marine Research Institute and Tokio Marine & Nichido jointly hold a seminar on natural

the city and to facilitate regional revitalization through the recovery of agricultural land and creation

disaster risk to provide the latest findings about this risk to company employees and citizens. Inof job opportunities in disaster areas. Under its policy to “never forget the event at any cost andfiscal 2018, the two companies held a seminar entitled “The Frontline of Natural Disaster Research –continue to do whatever we can do even in any small way,” the company has been making an annual

Understanding Extreme Weather Events and Preparing for Weather Disasters” on November 26, 2018.

monetary donation since fiscal 2011. In fiscal 2016, an employee volunteer program was launched,

The seminar provided information on research into extreme weather and global warming as well as

and a total of 31 employees have conducted activities such as removing weeds.

CSR Management■ Natural Disaster Risk Seminar by the Tokio Marine Research Institute and Tokio Marine &Core Theme 3 /Supporting People

their entire supply chain’s BCPs and to make these BCPs more viable by disseminating and instillingCore Theme 2 /Protecting the Earth■Booklet Entitled “Rethink Now! Earthquake in the Foreseeable Future and Preparation for It”

Core Theme 1 /Providing Safety and Security■ Initiatives to Support Recovery of Areas Affected by the Great East Japan Earthquake

partners, including respective local governments, chambers of commerce, commerce and industry

Governancethe required training, serve as lecturers and offer a workshop free of charge in collaboration with our

the government’s disaster prevention initiatives through lectures by experts.
along the coastal areas and promote the recovery and new community development of Watari-

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The NPO Watari Greenbelt Project has been engaging in an initiative to restore tide-control forests
Seminar by the Tokio Marine Research Institute (in Japanese)

Tokio Marine Group's CSR

cho, Watari-gun, Miyagi Prefecture. Since fiscal 2013, Tokio Marine & Nichido has been soliciting
and sending employee volunteers on a tour to assist in the initiative. During each tour, they visit
the coastal areas devastated by the tsunami, remove weeds in planned tree-planting areas and help

Governancewith cultivating saplings that will be planted along the coast. Up until March 2019, the company
has conducted 21 such tours, with the participation of a total of 332 employees, including Group
employees, agents and their families.

Core Theme 1 /Providing Safety and Security

Also in fiscal 2018, employees of Tokio Marine & Nichido and Group companies made paper lanterns
from milk cartons for the Prayer Lanterns Lighting, a memorial event for the Great East Japan
Earthquake held in Morioka City, Iwate Prefecture. About 70 companies and workplaces within Tokio
Marine Group sent some 2,000 lanterns to the Morioka Recovery Support Network, the secretariat of
the event. On the day of the event, about 50 employees and their families from branches as well as
agents in Morioka and other locations volunteered to light lantern candles.
As another ongoing effort, the company provides local dishes of the areas affected by the disaster at
its employee cafeteria and donates a portion of sales of these dishes. During the period from April

Core Theme 2 /Protecting the Earth2018 to March 2019, the company sold about 1,296 dishes and donated approximately 120,000 yen
to the disaster-stricken areas.
Watari Greenbelt Project (in Japanese)Core Theme 3 /Supporting People
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Tokio Marine Group is participating in demonstration tests of autonomous vehicles on public roads,
2. Products and Services >>technology, is contributing to increasing society’s preparedness against traffic risk and the prevention

In responding to and by utilizing traffic technology innovation, Tokio Marine & Nichido offersof traffic accidents. With the intent of helping to build a safe society, employee volunteers are

insurance for autonomous vehicles, accident support services and services to assist safe driving.

engaging in activities to raise awareness of traffic safety across the world. Through these endeavors,

The company also promotes product and service offerings for traffic safety, including One Day

Tokio Marine Group will support local communities and society and contribute to traffic safety inAuto Insurance.

❖ Relation between written content and SDGs
Relevant goal

3. Local Community and Social Contribution Activities >>Relevant target

Tokio Marine & Nichido has been cosponsoring the “Daijoubu Campaign,” a movement to

Description ofrelated content

promote disaster and crime prevention and traffic safety, to protect children from disasters andcrimes.

Products and Services

3. Good health and well-being

3.6 Halve the number of global deaths
and injuries from road traffic accidents

Supporting Safety andSecurity by Utilizing Traffic
Technology Innovation

1. R&D
Tokio Marine & Nichido is participating, for the first time as a non-life insurance company, in

Contributing to Safety andSecurity in Local Communities

demonstration tests of autonomous vehicles on public roads and has developed a specialized
insurance package for these tests. These activities are geared toward facilitating human resources

11. Sustainable cities andcommunities

11.2 Provide access to safe, affordable,
accessible and sustainable transportsystems for all, improving road safety,
notably by expanding public transport

12. Responsible consumption
and production

12.2 Achieve the sustainable
Products and Services
management and efficient use of natural
Drive Agent Personal
resourcesdevelopment and R&D in the area of traffic safety and in relation to traffic technology innovation.

All content in general

Core Theme 2 /Protecting the Earth

Local Community and Social
Contribution Activities

Core Theme 1 /Providing Safety and Security

local communities.

Governanceand by offering insurance products and services that quickly capture the latest innovation in traffic

Tokio Marine Group's CSR

Building a Secure Society by Utilizing Traffic Technology Innovation■ Participating in Demonstration Tests on Public Roads for Autonomous Vehicles
scale demonstration tests of autonomous vehicles on public roads, Tokio Marine & Nichido started
participating, for the first time as a non-life insurance company *1, in demonstration tests led byuniversity research institutes and local governments. The aim is to conduct research into various
issues that may arise as autonomous driving systems continue to evolve and become popular andto contribute to the continued advancement of the technology by providing solutions to these

1. R&D >>issues. Also, the company has developed a specialized insurance package to support the smooth andTokio Marine & Nichido is participating, for the first time as a non-life insurance company, insustainable execution of these tests on public roads.

demonstration tests of autonomous vehicles on public roads and has developed a specialized
Our Insurance for Demonstration Tests of Autonomous Vehicles on Public Roads won a Silver prize inresources development and R&D in the area of traffic safety and in relation to traffic technology

an award program*2 to recognize innovative initiatives of insurance companies on a global scale. The

innovation.

product was recognized for its capabilities to back up public road demonstration tests and contributeto the further advancement of the technology.

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insurance package for these tests. These activities are geared toward facilitating human

CSR Management❖ Section composition

Core Theme 3 /Supporting People

In April 2016, in keeping with advances in autonomous driving technology and the launch of full-video is also used for resolution of the accident case. In addition, upon detecting a serious collision,

insurance business. Through forward-thinking research that anticipates advances in autonomous

the recorder also reports the incident automatically to a partner company, allowing the customer

driving technology and by participating in these demonstration tests and providing insurance, Tokioto have a voice call with an operator and eliminating his or her anxieties immediately following theMarine & Nichido will continue to help accelerate the advancement of the technology.

accident. The operator also calls an ambulance depending on the situation.
(2) The recorder provides safe driving diagnosis reports, which are created by using Tokio Marine &Nichido’s original algorithm, based on each customer’s tendency toward reckless driving (sudden
acceleration, braking and steering).
(3) Using Pioneer Corporation’s map-based accident prediction platform, a voice or other form of
warning is issued in real time to the customer when he or she approaches an accident-prone area,
which is estimated based on the external conditions (weather and time of day) and driving status(traveling speed and reckless driving tendency).

Tokio Marine & Nichido offers insurance for autonomous vehicles, which meet new needs arising fromtraffic technology innovation, as well as accident support services and services to assist safe driving
utilizing telematics and the Internet of Things (IoT). The company also promotes insurance productWe will continue to bring greater safety and security to customers’ car life through the provision ofand service offerings that facilitate traffic safety and respond to traffic technology innovation,

this telematics-based service.

including One Day Auto Insurance for individual customers.
■ Sale of One Day Auto Insurance
Tokio Marine & Nichido provides One Day Auto Insurance (driver insurance available in the unit of

For the first time as a major insurance company in Japan, Tokio Marine & Nichido started providingdays), which can be purchased anytime and anywhere via smartphone and mobile phone. It is the

Drive Agent Personal, an advanced service for individual customers utilizing its original driving

first of its kind in the insurance industry in Japan, allowing infrequent drivers using cars owned byrecorder, as a rider for auto insurance in April 2017.

their parents or friends to purchase insurance at the cost of 500 yen a day (24 hours) for just the
number of days needed. The product was launched in January 2012, and the cumulative number ofsubscriptions exceeded 5.1 million (as of July 31, 2019).

The company lends its driving recorder to each policyholder and provides a set of leading-edge
services as follows.

Our One Day Auto Insurance received the Nikkei Veritas Award for Superiority at the Nikkei Excellent

when appropriate, the customer from the burden of explaining how the accident has occurred. This

Products & Services Award 2011, an annual award organized by Nikkei Inc. to recognize exceptional
new products and services. In addition to the novelty of enabling customers to buy the auto
insurance at a reasonable price, with greater ease and when and where needed, the product was
highly acclaimed for its ability to help resolve one social issue of increasing traffic accidents involving
uninsured drivers.

year. Through this product, Tokio Marine & Nichido will continue to contribute to the reduction ofuninsured drivers involved in traffic accidents and ensure safety and security by providing products
and services that are useful in people’s daily lives and business activities.

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Tokio Marine & Nichido: One Day Auto Insurance (in Japanese)

CSR Management

Currently, the number of traffic accidents by uninsured drivers is estimated to exceed 100,000 a

Core Theme 3 /Supporting People(1) The recorder automatically sends a video of an accident to Tokio Marine & Nichido and releases,

Core Theme 2 /Protecting the Earth■ Sale of Drive Agent PersonalCore Theme 1 /Providing Safety and Security

2. Products and Services

Governance*1 Among the demonstration tests of autonomous vehicles on public roads led by universities in Japan (Survey by Tokio Marine &Nichido)*2 Efma-Accenture Innovation in Insurance Awards 2016 – The product won a silver prize (second place) in the Best Disruptive
Product or Service category.

Tokio Marine Group's CSR

Responding to new risks associated with technological advancements is at the core of the non-life

Tokio Marine Group's CSR

3. Local Community and Social Contribution Activities
Since September 2007, Tokio Marine & Nichido has been cosponsoring the “Daijoubu Campaign,” aGovernancemovement led by The Mainichi Newspapers, and supporting activities to protect children and local
residents from disasters and crimes.
As part of this campaign, Tokio Marine & Nichido began holding the Workshop to Create Local

Core Theme 1 /Providing Safety and Security

Community Safety Maps in fiscal 2011 in collaboration with The Mainichi Newspapers and the 38
radio stations of the Japan FM Network Association (JFN). It is a crime prevention event involving theengagement of employees and agents. The event starts with a morning training seminar by Professor
Nobuo Komiya of Rissho University, an expert in criminal sociology, to cultivate trainers for thecreation of local community safety maps*. After participating in the seminar, employees and agentsof Tokio Marine & Nichido become trainers themselves and hold the workshop in the afternoon forchildren in local elementary schools. In fiscal 2018, the event was held at four locations nationwide. A
total of 198 children and their parents, 73 employees and agents of Tokio Marine & Nichido as well as
46 municipal employees, police officers, teachers and PTA personnel participated.

Core Theme 2 /Protecting the Earth* A local community safety map, developed by Professor Nobuo Komiya of Rissho University, is a map to show “dangerous,”
crime-prone areas, which have been picked based on the keywords of “easily accessible” and “not openly visible.” The event
encourages children to identify dangerous areas by learning what easily accessible, not openly visible areas mean.

Core Theme 3 /Supporting People

daijyoubu-campain

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Tokio Marine Group offers services to business operators in Japan in response to the expanding

1. Responding to Changes in Society’s Needs

inbound market. We have also started providing services to counter the growing corporate

Tokio Marine Group provides inbound business support services for business operators in Japan withaddition, we have implemented measures to deliver natural disaster information and smoothly

the aim of promoting revitalization of regional economies by making the most of the expanding

receive accident notices via the Internet, smartphones and other means.

inbound market. Moreover, as evidenced by growing CSR risk and a rise in cyber risk worldwide,companies are now facing diversifying and increasing risks. To counter the situation, we initiatedRelevant goal

12. Responsible consumption
and production

sales of D&O Management Package, a product that comprehensively covers corporate governanceRelevant target

12.8 Ensure that people everywhere havethe relevant information and awareness forsustainable development and lifestyles inharmony with nature

Description of related
contentrisk and risks to business managers resulting from increasing business globalization, and a productIncreasing Safety in Daily
Livescauses of a cyber attack, identify its scope of damage and implement measures to prevent the spreadthat offers comprehensive coverage for cyber risk, including costs for proper initial action to identify
of damage.

All content in general■ Implementing Inbound Business Support Services for Japanese Business Operators
By contributing to the revitalization of regional economies based on solutions offered by Tokio❖ Section composition

Core Theme 1 /Providing Safety and Security❖ Relation between written content and SDGs

Governancegovernance and cyber risks resulting from business globalization and technology innovation. In

Tokio Marine Group's CSR

Building a Secure Society by Responding to Varying Lifestyles and Changes in Society

Marine Group, Tokio Marine & Nichido aims to expand its business and achieve growth together withthe most of the expanding inbound market, the company initiated services free of charge in July

Tokio Marine Group provides inbound business support services for business operators in Japan

2016 to customers subscribing to its Comprehensive Business Insurance Program, a nationwide

with the aim of promoting revitalization of regional economies by making the most of thegroup insurance scheme for chamber of commerce members, including a multilingual telephone

expanding inbound market. Moreover, in the face of growing CSR and cyber risks to companies,

interpretation service and an inbound consulting service, to help customers set up a system to solicit

we also initiated sales of insurance products that provide comprehensive coverage for each risk.

and accept inbound tourists.

of inbound businesses received ministerial commendation as a fiscal 2016 model example of regional

In response to varying lifestyles and changes in society, Tokio Marine Group is striving to build aeconomy revitalization initiatives being promoted by financial and other organizations.

safe and secure society by providing information on insurance products and smoothly receiving
accident notices via the Internet, smartphones and other means.

economies by offering safety and security to foreign visitors, the number of which is expected toincrease further in the future, and by assisting Japanese inbound business operators in setting up asystem to accept these visitors.

to include all customers who have enrolled in Super Business Insurance.

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In response to the growing inbound market, starting from July 2019 the services have been expanded

CSR Management

As one pillar of our regional revitalization efforts, we will continue to seek growth of regionalCore Theme 3 /Supporting People

On January 12, 2017, the company’s efforts to implement services for supporting domestic operators

2. Providing Safety and Security by Utilizing the Internet and Smartphones >>Core Theme 2 /Protecting the Eartheach region. As part of this effort, and to promote revitalization of regional economies by making

1. Responding to Changes in Society’s Needs >>who choose web-based policies ( auto insurance and Super Business Insurance ) during the contracting
process. We will continue to further strengthen our platform for interacting with customers digitallyare available via the Internet, smartphones and other means. Tokio Marine & Nichido and E. design

through Mobile Agent.

Insurance work to support the safety and security of customers by utilizing smartphones and provide
Additionally, E. design Insurance allows customers to complete overall procedures, from requesting

making such a contact, viewing insurance policy details and reporting an accident using positioning

an estimate to final application for auto insurance, via smartphone. A dedicated web page is set

information through GPS. In addition, Tokio Marine Group companies have started offering various

up for each customer to report accidents and verify accident response status in addition to making

new services concerning home and travel, such as home contents insurance for rental housing,changes to contract details and renewal procedures. The smartphone app Accident Site Call enables

available for one-stop purchase over the Internet; a rider that offers compensation for customers who

easily and quickly make reports in case of accidents or car troubles. The actual location is notified via

have experienced fire and other incidents; as well as overseas travel insurance for foreign tourists

GPS so that customers can immediately request for the SECOM Accident On-site Rush Service or roadvisiting Japan.

service even in an unfamiliar place.

■Supporting Safety and Security via Smartphones

Tokio Marine Group will work further to support the safety and security of customers by utilizing

Smartphones accounted for about 90% of mobile phones sold domestically in fiscal 2018 and havesmartphones.

Core Theme 1 /Providing Safety and Security

smartphone apps with a variety of features, including displaying insurance-related points of contact,

GovernanceIn line with varying lifestyles and changes in society, demand is rising for products and services that

Tokio Marine Group's CSR

been made, including the method to confirm contract details and providing discounts to customers

2. Providing Safety and Security by Utilizing the Internet and Smartphones

been rapidly gaining popularity among users.
E. design Insurance: Annual Report (in Japanese)customers. Policyholders use this app to check insurance-related pointsof contact (including our agents) or make contact with them and view
details of their policies anytime, anywhere. It also has several features■Preparing for Typhoons and Torrential Downpours by Using “Personalized” Videos

that ensure smooth response upon a traffic accident or vehicle failure.

How we should prepare for a typhoon, heavy snow or earthquake depends on where we live

These include an accident reporting feature that identifies the location

corresponding to customers’ varying situations, each providing customized information on necessaryof an accident via GPS, a simple procedure to request a tow truck in

preparations and required insurance. These videos can be viewed from PCs, smartphones and tablet

a minimum of three taps, a function to easily send photographs of adevices, and the company provides a service on a regular basis for customers to check information on

damaged vehicle or accident site taken by a policyholder to Tokio Marine

disaster risks and details of coverage in an easy-to-understand manner.
■Examples of Initiatives toward High-Quality Solicitationon the latest Internet of Things (IoT) technology, to support automatic notification of a traffic accident

In April 2012, Tokio Marine & Nichido rolled out an initiative that utilizes tablet devices to enhance

to an insurance agent. The service automatically detects the possible occurrence of an accident andcomfort and convenience for customers. For Super Insurance, auto insurance, fire insurance, accident

allows the customer to report the accident in one tap. In December 2016, we rolled out a service toinsurance and life insurance ―our main products for individual customers―we introduced theprovide disaster and crime prevention information in real time through push notifications to allow

paperless Raku Raku Tetsuzuki (Quick and Easy Online Procedures), which allows customers to request

customers to prepare for natural disasters. Starting from January 2019, functional improvements havea premium estimate, view product descriptions and apply for insurance on their tablet and other73

CSR Library

notifications. Since January 2016, we have provided a smartphone service, B-Contact, which is based

CSR Management& Nichido and a function to enable the real-time monitoring of accident response status via pushCore Theme 3 /Supporting People

and what insurance we are enrolling in. Tokio Marine & Nichido distributes “personalized” videos

Core Theme 2 /Protecting the Earth

Tokio Marine & Nichido: Mobile Agent (in Japanese)
Tokio Marine & Nichido provides the free smartphone app Mobile Agent toWith an increase in the number of foreign nationals visiting Japan, efforts are being undertaken

customers to visually check their family’s insurance enrollment status on their tablet and otherby the Japanese government and in the private sector to ensure the safety and security of foreigndevices.

tourists against sudden injury and illness.

The initiative received a 2014 Ministry of Economy, Trade and Industry (METI) Minister’s Award in

Tokio Marine & Nichido has been providing a new type of overseas travel insurance, TOKIO

recognition of its contribution to informatization of the economic society. It also won the top IT

OMOTENASHI POLICY, since July 2016, which covers costs of treatment when foreign tourists are

Overall Award at the 31st Information Technology Award 2013 sponsored by the Japan Institute of

injured or become sick in Japan and costs for transferring patients or bodies to their home countries.

Information Technology. In the future as well, Tokio Marine & Nichido will strive to further enhance
Travelers can easily purchase this product via smartphone and tablet devices after arriving in Japan.

comfort and convenience for customers through a diverse range of initiatives.

In addition to a cashless service for treatment costs and an interpretation service via telephone, theproduct also includes an application service (Tokio Marine & Nichido’s exclusive smartphone app),which provides services much needed by foreign tourists.
By providing this product and its services, Tokio Marine & Nichido seeks to support foreign tourists’Core Theme 1 /Providing Safety and Security

and electronic pamphlets. We have also introduced “Your Enrollment at a Glance,” which enables

GovernanceLaunch of a New Type of Overseas Travel Insurance for Foreign Tourists Visiting Japan

Tokio Marine Group's CSR

devices. These procedures enable us to provide easy-to-understand product descriptions with videos

comfortable travel experience in Japan and to contribute to the creation of a more tourist-friendlyCore Theme 2 /Protecting the Earthenvironment.
Screen images of Raku Raku Tetsuzuki contract proceduresCore Theme 3 /Supporting People
CSR Management

Smartphone app
TOKIO OMOTENASHI

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Tokio Marine Group's CSR

Eliminating Poverty in Society
Based on its know-how accumulated in the insurance business, Tokio Marine Group has developed

Products and Services

and initiated sales of weather insurance and microinsurance in India, thereby providing low-income

The following sections describe weather insurance and microinsurance developed and sold by

issues in the world through such efforts as financing to and investment in financial institutions

Tokio Marine Group and a fund managed by a Group company to provide financing to and invest inproviding microfinancing services.

microfinance institutions.

❖ Relation between written content and SDGs

1. No poverty

Relevant target

Description of related content

1.4 Ensure that all men and women, in particular
the poor and the vulnerable, have access tofinancial services, including microfinance

Increasing prevalence of
microinsurance in India, fund to invest
in microfinance-related assets■ Increasing Prevalence of Weather Insurance and Microinsurance in India
Poverty Issue among Farmers in India
Agriculture is a key industry in India’s economy, with about 50% of the country’s working population
being farmers. As most water for agricultural use is from rainwater, farmers may suffer serious

2. Zero hunger

2.3 Double the agricultural productivity andincomes of small-scale food producers throughsecure and equal ac-cess to financial services

economic consequences when agricultural production decreases due to drought or excessive rains.

Weather insurance in India

Thus, stabilizing farmers’ living is a critical challenge for the country.

Products and Services >>In 2001, Tokio Marine Group established IFFCO-TOKIO General

Weather insurance and microinsurance developed and sold by Tokio Marine Group and a fundInsurance Co., Ltd. (IFFCO-TOKIO), a non-life insurance

managed by a Group company to provide financing to and invest in microfinance institutions arecompany, as a joint venture with Indian Farmers Fertiliser

as listed below.

Cooperative Limited (IFFCO), which has a nationwide network

Core Theme 2 /Protecting the EarthDevelopment of Weather Insurance and Microinsurance Jointly with IFFCO-TOKIOCore Theme 1 /Providing Safety and Security

Relevant goal

Reducing Poverty

Governanceearners with greater access to insurance. We also hope to contribute to the resolution of povertyof 38,000 member cooperatives, and began offering auto,
per year as an incidental to fertilizer

tackled the issue of how to resolve the lifestyle of uncertainty• Mahila Suraksha Bima Yojna (India): Accident insurance aimed at women in farming communities

faced by farmers in India through the mechanism of insurance• Rashtriya Swasthya Bima Yojna (India): A medical insurance scheme for low-income earners

and looked into the development of weather insurance andsponsored by the government of India

microinsurance (i.e., insurance available at low cost). These• Biju Krushak Kalyan Yojana (India): A medical insurance scheme with add-on medical insurance

products are becoming essential in stabilizing the lives offor low-income earners sponsored by state governments of India

people in farming communities, with 16.4 million policies• Barish Bima Yojna / Mausam Bima Yojna (India): Weather insurance product that evaluatesand 19.2 billion rupees (approximately 30.8 billion yen) inclimate risks such as precipitation volume and temperature in all areas of India and takes into

IFFCO-TOKIO headquarters

CSR Management

fire and other insurance in India. From the start, the businesspremiums written in fiscal 2018.

account the impact of unseasonable climate on grain harvest yields in farming communities• Daiwa Microfinance Fund: Provides financing to and invests in financial institutions providing

sales in India’s rural communities of Sankatharan Bima Yojna,
low-cost accident insurance available for 1 rupee (about 2 yen)75

Accident insurance available as
an attachment of fer tilizer sold in
collaboration with IFFCOCSR Library

In 2001, the company, in collaboration with IFFCO, started

microfinance services

Core Theme 3 /Supporting People• Sankatharan Bima Yojna (India): Low-cost accident insurance available for 1 rupee (about 2 yen)basis together with banks, NGOs and other partners. Currently, the company sells weather insurance,

Bima Yojna, property insurance available for 100 rupees (about

including its own as well as other government-sponsored products such as Pradhan Manti Fasal Bima

200 yen) per year; and Mahila Suraksha Bima Yojna, accident

Yojana (RMFBY) and Weather Based Crop Insurance Scheme (WBCIS), to about 2.36 million farming

insurance aimed at women in farming communities.

households per year.

IFFCO-TOKIO offers Barish Bima Yojna/Mausam Bima Yojna,

IFFCO-TOKIO’s Efforts to Increase Prevalence of Medical Insurance for Low-Income Earners

account the impact on grain har vest yields in farming
communities due to unseasonable climate in the wet monsoon
season (June to September) and the dry rabi season (October

Rashtriya Swasthya Bima Yojna (RSBY ) is a medical insurance scheme for low-income earners
Members of the Rural Marketing Teamof IFFCO-TOKIO and Rural Community
Area Managers of IFFCO (in front of
IFFCO’s grain depot center)sponsored by the government of India. It was launched in 2008 in India through joint efforts among
insurance companies, medical institutions and the government. Subscribers to RSBY only needto pay 30 rupees (about 50 yen) per household as a registration fee with coverage up to 30,000
rupees annually (about 50,000 yen) for a maximum of five persons per household in case medical

to April). Development of this revolutionary product leveraged IFFCO-TOKIO’s capabilities in market

services are required for injury or illness. IFFCO-TOKIO began selling RSBY in 2011 and launched add-

surveys aimed at local farmers and Tokio Marine Group’s years of expertise in insurance underwriting

on medical insurance in 2014 under Biju Krushak Kalyan Yojana (BKKY), another insurance scheme

accumulated in Japan to evaluate climate risks such as precipitation volume and temperature in all

for low-income families sponsored by a state government. The company has delivered security toareas of India. To gain communities’ understanding of the weather insurance mechanism and spread

approximately 12.54 million people with low incomes. Also, the company has been working to spreadthe use of insurance and promote its sales mostly in the southern state of Karnataka, the central stateof Madhya Pradesh and the eastern states of Odisha and Tripula in India. In fiscal 2018, as the sum of
RSBY and BKKY, the company provided security by way of medical insurance to around 17.87 million

Crop and weather insurance sales (unit: million rupees)

people and paid approximately 580 million rupees (about 990 million yen) in total in insurance
claims. RSBY and BKKY have become essential medical insurance schemes for people who previously

20,00018,471

could not receive sufficient medical services because of their economic situation.

12,552
Dr. Shalabh Singhal

10,00010,770

943

0

768

2,058

2,591

1,236

2,013

2011-12 2012-13

3,389

7,646

1,571
1,525

2013-14 2014-15

911
2015-16 2016-17

2017-18

2018-19

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GWP

RSBY is becoming more widespread in India. Our
aim is to make sure that people are always smiling(Muskurate Raho). We will strive to provide medical
insurance so that people receive appropriate
treatment when required and can live happy andhealthy lives irrespective of economic burden or
hardship.

CSR Management

5,000

IFFCO -TOKIO General Insurance Co.,Ltd.
Chief Manager

12,006

Core Theme 3 /Supporting People

15,73415,000Core Theme 2 /Protecting the Earth

Crop & Weather Insurance details
FY2018 : GWP INR 18,471 million , Claims Paid INR 12,006 million

Core Theme 1 /Providing Safety and Security

an index-based weather insurance product that takes into

Governanceits use, the company has been conducting briefings for farmers in every state in India on an ongoinghas released other microinsurance products, including Janta

Tokio Marine Group's CSR

per year as an incidental to fertilizer. Since then, the company

Claims Paid
76

The Tokio Marine North America Services (TMNAS) Finance Team has implemented an initiative toat a medical institution is managed on the card andsupport low incomes via the reduced tax burden with Philadelphia Insurance Companies (PHLY) andcustomers can choose to have a consultation at one of

their long-time business partner Affordable Equity Partners (AEP).

more than 10,000 public or private medical institutions in
The housing complexes developed by AEP and their partners are financed through the sale of the tax

India.

credits to PHLY, and when completed are rented to low income members of the communities. PHLY
PHLY has invested over US$2.25 million, which has gone toward the 2,500 units across six states in
the United States. The relationship is a “win-win-win” for PHLY, TMNAS and AEP and the 2,500 families■Reducing World Poverty

living in the beautiful new facilities.

Establishing Japan’s First Fund to Invest in Microfinance-Related Assets
Microfinance is a system to provide financial services, including microcredit loans (small loans usuallyprovided without collateral), savings and insurance, to low-income entrepreneurs who traditionallyhave no access to these services. The system, for example, provides short-term loans to low-income

Core Theme 1 /Providing Safety and Security

benefits via the reduced tax burden made possible by the tax credits purchased from AEP. So far,
Insurance soliciting

GovernanceInitiative to Support Low Incomes in the United Statescard. Information regarding insurance and consultation

Tokio Marine Group's CSR

Subscribers to RSBY and BKKY are given a biometrichouseholds, and they use these funds to buy chickens. When they pay off loans in full using profits
Core Theme 2 /Protecting the Earthgenerated from the sale of eggs and poultry products, the system in turn provides funds to build achicken coop. The major characteristic of microfinancing is that it helps people get out of poverty
and become financially independent. It has recently drawn much attention in the international
community as a social investment tool that provides direct aid for and generates immediateoutcomes in reducing poverty around the world. The number of financial institutions providing
microfinance services to low-income entrepreneurs mainly in developing countries (MicrofinanceCore Theme 3 /Supporting People

Institutions – MFIs) has begun to show rapid growth.
The Daiwa Microfinance Fund, established and managed by Tokio Marine Asset Management,
provides direct financing (loans) to MFIs and purchases corporate bonds and negotiable certificatesof deposit (negotiable CDs) issued by MFIs. The fund also purchases bonds issued by the International

CSR Management

Bank for Reconstruction and Development and other international financial institutions that are
keenly working to improve the business environment for MFIs. Microcredits provided under the
microfinancing system generally show a high ratio of repayment and a low tendency of turning
into bad loans. Thus, investments in MFIs are simultaneously investments in businesses with highpotential.

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Tokio Marine Asset Management: Daiwa Microfinance Fund (in Japanese)

77

Tokio Marine Group's CSRCore Theme 2: Protecting the Earth

Governanceissues and thus continuous global environmental

CSR Materiality (Material Issues)

and biodiversity protection initiatives are• Climate change and natural disasters

paramount. In addition, our social life is being• Technological innovation

threatened by the frequent occurrence of• Local community and social contribution activities•Promoting ESG in the provision of products and services

torrential rains around the world due to climatechange.
The global issues of “climate change and natural disasters” and “biodiversity depletion” pose serious

CSR & ESG Highlights

risks for the children not only of today but also of the future and at the same time have a significant
Tokio Marine Group promoted
the development of clean energy
through such means as providing
insurance supporting offshore wind
power generation.

impact on the business of Tokio Marine Group.

Tokio Marine Group strengthened
ties with NGOs and local
communities through the Green Gift
Project.

Having set “Protecting the Earth” as a core CSR theme, Tokio Marine Group is taking steps to reduce
the environmental footprint in business activities in which all employees participate, reduce
the environmental footprint in the supply chain and tackle initiatives related to environmental
management system. Moreover, we continuously work to provide products and services thatare designed to mitigate or adapt to climate change and protect biodiversity, and to implement
environmental protection activities as well as regional and social contribution activities that include
environmental awareness raising and education. Through these initiatives, we actively contribute to

CSR Management

management aimed at becoming carbon neutral based on efforts to deploy our environmental

Core Theme 3 /Supporting People

Efforts to implement environmental
protection activities resulted in a
reduction in CO2 emissions by 3.2%
(Scope 1, 2 and 3 year on year) andcarbon neutral status (seventh timein sixth consecutive years).

Core Theme 2 /Protecting the Earthnatural disasters such as typhoons, droughts and• Protection of the global environment

Core Theme 1 /Providing Safety and Security

Global environmental issues are both old and newpreservation of the global environment, protection of biodiversity and the creation of environmental

78

CSR Libraryvalue.

The Green Gift Project, which involves mangrove planting and environmental protection activities

Value Creationworldwide, is supported by NGOs and NPOs, as well as central and local governments, agents andContributing to a Sustainable Global Environment

Governanceemployee volunteers, and contributes to not only the alleviation of and adaptation to climate change

Tokio Marine Group's CSR

Preserving Biodiversity through Products and Services

and protection of biodiversity but also the reduction in disaster damage and stability in the lives ofpeople in or near forested areas.

Core Theme 1 /Providing Safety and Security

Preventing Global Warming by Promoting the Development of Clean Energy
In order to prevent damage due to climate change from spreading, Tokio Marine Group is examining
the possibility of installing and operating renewable energy facilities in Group companies while
also providing products and services such as liability insurance for environmental pollution andconsulting on environmental, social, governance (ESG) criteria and sustainability.
Building Communities for People to Live with Peace of Mind through Environmental Protection
Activities
Based on the theme “Protecting the Earth,” Tokio Marine Group is implementing local and socialCore Theme 2 /Protecting the Earthcontribution activities around the world that help protect the environment and biodiversity. These
activities emphasize voluntary engagement by employees and tie-ups with NPOs and other groups.
Tokio Marine Group will implement a variety of initiatives to protect the environment as a global
insurance group with responsibility for the future of the earth.

Core Theme 3 /Supporting People

Examples of CSR approach (Protecting the Earth)

CSR Management
CSR Library79❖ Section composition

The Green Gift Project, which involves mangrove planting and environmental protection activities
worldwide, is supported by NGOs and NPOs, as well as central and local governments, agents andand protection of biodiversity but also the reduction in disaster damage and stability in the lives

Tokio Marine & Nichido, Tokio Marine Millea SAST Insurance and other Group companies areof people in or near forested areas. Additionally, we believe that creating mangrove forests will

supporting mangrove planting overseas and environmental protection activities in Japan bycontribute to the attainment of various SDGs, including alleviation of climate change, promoting the

donating a portion of the proceeds saved by reducing paper consumption through an initiative

sustainable use of natural resources and mitigating damage from natural disasters. In the future as

enabling customers to view their policies online being implemented together with agents. Thesewell, Tokio Marine Group will promote the creation of mangrove forests toward the realization of aproceeds are donated to NPOs and NGOs.

sustainable society.
❖Relation between written content and SDGs

2. Social Contribution through Tree Planting >>Tokio Marine & Nichido has been planting mangrove trees mainly in Southeast Asia since 1999 in

6. Clean water and sanitation

6.6 Protect and restore water-related
ecosystems, including mountains, forests,
wetlands, rivers, aquifers and lakes

Social contribution throughtree planting

biodiversity to communicate the significance of biodiversity-related activities to society through12. Responsible consumption
and production

12.5 Substantially reduce waste
generation through prevention,
reduction, recycling and reuse
Promoting the non-printing
12.8 Ensure that people everywhere haveof insurance policies
the relevant information and awarenessfor sustainable development and lifestyles
in harmony with nature

Relevant goal

15. Life on land

1. Eco-Friendly Products
Tokio Marine & Nichido, Tokio Marine Millea SAST Insurance and other Group companies aresupporting mangrove planting overseas and environmental protection activities in Japan by
donating a portion of the proceeds saved by reducing paper consumption through an initiative

Social contribution throughtree planting

enabling customers to view their policies online being implemented together with agents. These
proceeds are donated to NPOs and NGOs.

Economic value ofmangrove planting
and impact on local
communities■Creating Value through the “Green Gift” ProjectThrough eco-friendly products, Tokio Marine & Nichido acts as one with its agents in engaging in
global environmental protection initiatives and welcomes participation by customers as well.

Social contribution throughtree planting“Green Gift” Project System and Benefits of Reducing Paper
Customers’ selection of the web policy option leads to the conservation of paper resources.

Ten-Year Restoration
Project of the Coastal
Forests of Tohoku Region

Additionally, it allows the company to reduce the environmental footprint created by the
manufacture of paper and its transport to the company, the mailing of policies to customers and thedisposal of policies when unneeded after maturity. The Green Gift Project also provides a numberof other beneficial effects. These include conserving paper resources and contributing to the80

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15.1 Ensure the conservation,
restoration and sustainable use ofterrestrial and inland freshwater
Tree-Planting Together withecosystems and their services, in particular
Customers
forests, wetlands, mountains and drylands〜 PHLY 80K Trees 〜

CSR Management

14. Life below water

14.1 Prevent and significantly reduce
marine pollution of all kinds
14.2 Sustainably manage and protect
marine and coastal ecosystems to avoid
significant adverse impacts

mangrove planting.

Core Theme 3 /Supporting People

13. Climate ac-tion

13.1 Strengthen resilience and adaptive
capacity to climate-related hazards andnatural disasters in all countries

conjunction with multiple NGOs. On top of this, employees give plantation tours and classes onCore Theme 2 /Protecting the Earth

Relevant target

Description of related
content

Core Theme 1 /Providing Safety and Security

1. Eco-Friendly Products >>Governanceemployee volunteers, and contributes to not only the alleviation of and adaptation to climate change

Tokio Marine Group's CSR

Preserving Biodiversity through Products and Services

its original form. By doing so, the project aims to “create aand communicating to children, who will lead future generations, the importance of the earth’s

forest that protects life” and thus supports the community,

environment through their actual participation in environmental protection activities in Japan. In

economy and an enriched society.

fiscal 2018, the number of agreements taking advantage of the Web policy option was approximately
11.3 million, representing a reduction in paper usage of approximately 2,820 tons.

Tokio Marine Group's CSR

prevention of global warming and the preservation of biodiversity via mangrove planting activities

Although nurturing the seedlings into a forest takes muchthe company are united as one in increasing awareness of

To help customers better understand the activities of the Green Giftthe need to protect the global environment.

Governancetime, through this activity, employees, their families andDisclosing Information on the “Green Gift” Project
Project, the company established a Green Gift page on its website that
activities, the page reports on topics such as planting activities in various

2. Social Contribution through Tree Planting

countries where mangrove planting is undertaken, updates on the growth

Tokio Marine & Nichido has planted mangrove trees mainly in Southeast Asia since 1999 in

The page also provides information on applying for the Green Gift Planet

conjunction with multiple NGOs that have extensive know-how in planting mangroves overseas.

GENKI Program, an environmental protection activity carried out in each region in Japan mainly for

Mangrove planting not only ensures the fixation (absorption) of CO2, but also promotes biodiversity

children, the leaders of the future, and reports on these activities.

and provides benefits to the local population.

The company also participates in educational support programs conducted by the international NGO

Tokio Marine & Nichido employees conduct tours of the mangrove forests and employees andRoom to Read in developing countries such as India, Bangladesh and Vietnam aimed at improving

agents give lessons on biodiversity derived from mangrove planting to convey the significance of

education for children where planting takes place and supports a program to restore the forest

biodiversity-related activities through mangrove planting to the local community.

along the coast devastated by the Great East Japan Earthquake conducted by the Organization for■ Green Gift Project: Mangrove Planting

Industrial, Spiritual and Cultural Advancement-International (OISCA).

Status of Mangrove Planting
Southeast Asia. During the 20-year period to fiscal 2018, we planted 10,930 hectares of new forest in

reduction of disaster damage and contribution to local economies, communities and humannine countries: Indonesia, Thailand, the Philippines, Vietnam, Myanmar, Fiji, India, Bangladesh andresources development.

Malaysia. (The Central Research Institute of Electric Power Industry (CRIEPI) has been engaged to■Promoting Non-Printing of Insurance Policies

a report on the findings has been received.)

evaluate the status of mangrove development and CO2 absorption and fixation in planted areas, andSince February 2013, Tokio Marine Millea SAST Insurance has been implementing an initiative under
The activity was rolled out as a commemorative project to celebrate the 120th anniversary of Tokio

paper consumption. In addition, since April 2013, a portion of the proceeds saved through this move

Marine & Nichido, with the original idea coming from employees who voiced their desire to launch

has been used to support and participate in the tree-planting activity in Meguri’s Forest in Shonan

a long-lasting initiative in the environmental field. The project is conducted in partnership with

International Village, Kanagawa Prefecture, where the company’s head office is located. This project

the NGOs Action for Mangrove Reforestation (ACTMANG), OISCA and the International Society for

involves dense planting and root planting of a variety of locally indigenous seedlings, which are theMangrove Ecosystems (ISME) and through collaboration with local governments and communities.

most stable seedlings and capable of survival, to let nature take its course in restoring the forest to81

CSR Librarywhich customers can view their policies on its website rather than on paper, which has helped reduce

CSR Management

Since 1999, Tokio Marine & Nichido has been conducting its Mangrove Planting Project primarily inat conservation of paper resources, prevention of global warming, conservation of biodiversity,

Core Theme 3 /Supporting People

Through this project, Tokio Marine & Nichido will continue to create social value via initiatives aimed

Core Theme 2 /Protecting the Earthof planted saplings and the volume of CO2 absorbed through planting.

Core Theme 1 /Providing Safety and Security

reports on each of the initiatives. With regard to mangrove planting

become feed for farm animals and the trunks and branches are used as materials for the pillars and“Mangrove” is a generic term for flora that thrives in brackish waters (where seawater and fresh waterroofs of people’s homes, thereby providing excellent support to the lives of the people.

meet) along tropical and subtropical coastlines and river mouths in Asia, Africa and South America.
Tokio Marine Group considers mangroves as “insurance for the future of the Earth” because theywarming as they absorb and fix large volumes of CO2, a major cause of global warming. They also

protect the planet and people’s lives and bring benefits. We are committed to being involved in theserve as natural levees to protect people’s lives and local ecosystems from tidal waves, tsunamis andMangrove Planting Project for 100 years. The project has been up and running for 19 years to dateother natural disasters.

and the mangrove forests continue to grow. Going forward, we plan to put more effort into activities
that protect and nurture mangrove forests.

Mangroves protected the lives of many people as well as buildings and structures when the tsunami■Economic Value and Impact on Local Communities from Mangrove Planting

Philippines in November 2013 (named Yolanda in the Philippines and Haiyan in English). At present,

To the present, mangrove planting has generated diverse benefits such as mitigating and preventing

mangroves are being planted in the Demak area of Indonesia and Gujarat State in India, which areglobal warming, preserving biodiversity and contributing to the development of local economies,

susceptible to coastal erosion and flooding, with the main objective being to protect people’s lives

communities and human resources. However, expressing the specific economic value created by thisand keep buildings and structures intact.

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 internationallyrecognized methods. The results of provisional calculations show that the total economic value

sanctuary for living creatures such as young fish, shellfish, crabs and shrimps that feed off mangrove

created by the Mangrove Planting Project from April 1999 when the company started the planting toleaves and berries while attracting

the end of March 2018 totaled 118.5 billion yen. This project also impacts some 1.41 million peoplemonkeys and birds, and also because

living where the mangroves are planted or nearby and has generated benefits in terms of improvingt h e ro o t s h e l p e n s u re a g e n t l e

the lives of residents in these communities and preventing and mitigating disasters. By ascertainingtide and waves at high tide andthe numerical value of the outcomes of the mangrove-planting activities, we were able to reaffirm

maintain water temperature. Fish

our awareness of the positive social impact of this initiative. Going forward, we will utilize the results

and shellfish caught in the sea andof this value assessment to improve our Mangrove Planting Project and continue to undertake thesein rivers near mangrove forests inactivities together with our stakeholders as we aim to further create value.

Indian Ocean tsunami following earthquake off the island of Sumatrain December 2004

Mangrove planting area in Ranong,Thailand, the area behind which wasprotected from tsunami damage

Tale Nok near Ranong, Thailand, which
did not have mangroves, was damagedby the tsunami

Economic Value and Impact on Local Communities from Mangrove Planting

Ranong Province in Thailand are thestaple diet of the local people anda source of income through sales tointermediaries, thus contributing to

Benefits of mangroves

CSR Management

sustainable regional development.
In addition, the mangroves
themselves are being used in avariety of different ways. Along with
The young leaves of the grey mangrove
are used as feed for farm animals(Gujarat State, India)

CSR Library

the seeds and fruits being used toFish catches are more abundant thanks to
the mangroves(Ranong Province, Thailand)Core Theme 3 /Supporting PeopleQuảng Ninh Province in Vietnam andCore Theme 2 /Protecting the Earth

The roots of mangrove trees also serve as “cradles of life,” creating a rich ecosystem by providing aCore Theme 1 /Providing Safety and Security

that occurred in the Indian Ocean hit in December 2004 and the typhoon that wreaked havoc in the

Governance

Mangroves are sometimes referred to as “forests in the sea” and are effective in mitigating global

Tokio Marine Group's CSR

Benefits of Mangrove Planting for the Environment and Local Life

make soup and sweets, the leaves

82local community. As of March 2019, around 15,500 participants (including around 6,100 children) had

S i n c e 1 9 9 9 , To k i o M a r i n e & N i c h i d o h a s b e e ntaken part in 247 different events to protect local forests, woodlands, river valleys and the sea.

promoting its Mangrove Planting Project in Southeast
a volunteer tour to plant mangrove trees about once
■Green Gift Project: Ten-Year Restoration Project of the Coastal Forests of Tohoku Region

retired employees as well as their families participate

Tokio Marine Group supports the Ten-Year Restoration Project of the Coastal Forests of Tohoku Region

in these tours as volunteers to plant mangrove seeds

damaged in the Great East Japan Earthquake.

and saplings with local residents and children and visit
villages and elementary schools in respective regions■Tree-Planting Together with Customers ~PHLY 80K Trees Initiative~

to promote international exchange. As of March 2019, we have conducted 19 mangrove planting

Philadelphia Insurance Companies (PHLY) has continued to conduct the “PHLY 80K Trees” tree planting

volunteer tours, in which a total of approximately 590 members have participated.

program since 2015, inspired by Tokio Marine & Nichido’s Green Gift Project. With the cooperationof customers and agents, the initiative has provided the funding for 320,000 trees to date through■Green Gift Project: Educational Support Program in Developing Countries

costs saved by encouraging customers to make electronic payments and asking agents to cooperate

We provide educational support for children in areas that we plant mangroves through suchby making direct deposits of commissions and reducing the preparation of paper statements as wellmeasures as participating in Room to Read’s Educational Support Program in Developing Countries.

as donations from the company. In 2019, 35 PHLY employees participated in a tree-planting tour,
additional 80,000 trees will be provided between 2019 and 2020.

Tokio Marine & Nichido is implementing the Green Gift
Planet GENKI Program, which tackles environmental

In the United States, record wildfires, storms and other natural disasters have destroyed millions

protection initiatives together with local citizensof trees in forests in recent years. PHLY is on a mission to build healthy forests and ecosystems toand includes donations to environmental NPOs andprovide greater security to communities.
PHLY 80K TREES

activities throughout Japan.
The project is conducted in conjunction with Japan NPO Center, a specified non-profit corporationthat has received backing from the Ministry of the Environment and is responsible for the

CSR Management

coordination and operation of the entire project. The aim is to provide children in each region, theCore Theme 3 /Supporting People

other groups as well as participation in environmental

Core Theme 2 /Protecting the Earthwith more than 150 employees having offered their time since the initiative began. Funding from an■Green Gift Planet GENKI ProgramCore Theme 1 /Providing Safety and Security

a year. Tokio Marine Group employees, agents andGovernanceGreen Gift Planet GENKI Program (in Japanese)

Asia and other countries and regions and conducting

Tokio Marine Group's CSR■ Mangrove Planting Tours

leaders of the future, with the opportunity to learn about local environmental issues and foster adesire to protect the environment.
The activities offer the chance for local NPOs and other groups to collaborate with new stakeholders

CSR Librarysuch as Tokio Marine & Nichido and its agents. It is also a great chance for the company’s customer
contact branches to meet with local governments, environmental NPOs and other members of the83In order to prevent damage due to climate change from spreading, Tokio Marine Group is examining

Offshore Wind Power Generation

the possibility of installing and operating renewable energy facilities in Group companies while also
providing products and services such as liability insurance concerning environmental pollution andJapan has set the ambitious goal of reducing greenhouse gases by 80% by 2050, thereby proceeding❖ Relation between written content and SDGs
Relevant goal

9. Industry, innovation andinfra-structure

7.1 Ensure universal access to affordable,
reliable and modern energy services
7.2 Increase substantially the share of
renewable energy in the global energymix
7.3 Double the global rate of
improvement in energy efficiency

Economical efficiency, Environment + Safety) objective and expresses the energy mix the country

Specialized Insurance Package for
Offshore Wind Power Generation

would like to achieve by 2030. This was the first time for Japan to specify the shift to renewable

Mega-Solar Package Program

energy as its main source of power, with the aim of 22% to 24% of power generation to come from

Impairment Liability Coverage for
Geothermal Power Generation
Operators

renewable energy by 2030, up from 16% in 2017. Offshore wind power generation is expected to
be one of the pillars of renewable energy. The revised Port and Harbor Act of July 2016 and theenforcement of the Act of Promoting Utilization of Sea Areas in Development of Power Generation

Specialized Insurance Package for
Offshore Wind Power Generation

Facilities Using Maritime Renewable Energy Resources in April 2019 have raised expectations for

Mega-Solar Package Program

offshore wind power generation in Japan.

Impairment Liability Coverage for
Geothermal Power Generation
Operators

Total Support for Offshore Wind Power Generation from Construction Phase to Operation Phase
Beginning with underwriting insurance for a project in the Netherlands in 2013 that the customer has

We are undertaking the following actions to achieve the goals described above in the three areasof examining the possibility of clean energy facilities, operating clean energy facilities and credits
gained from clean energy facilities.

acquired rights for, Tokio Marine & Nichido has been supporting a total of 24 offshore wind power
generation projects in seven countries and regions including Japan, with total power generation
capacity of 8GW. In fiscal 2018, while taking on seven new projects, we have provided support to the

Examining the possibility of clean energy facilities• Specialized Insurance Package for Offshore Wind Power Generation• Mega-Solar Package Program• Environmental Consulting

Core Theme 2 /Protecting the Earth

9.4 Upgrade infrastructure and retrofit
industries to make them sustainable,with increased resource-use efficiency
and greater adoption of clean andenvironmentally sound technologies andindustrial processes

Energy Plan approved by the Cabinet on July 3, 2018 states the lofty “3E + S” (Energy security,

Description of related content

Core Theme 1 /Providing Safety and Security

7. Affordable and clean
energyRelevant target

with the challenges of energy conversion and decarbonization to meet this goal. The 5th Strategic

GovernanceOffshore Wind Power Generation in Japanenvironmental consulting.

Tokio Marine Group's CSR

Preventing Global Warming by Promoting the Development of Clean Energy

wind power generation industry in Japan by presenting and sharing the know-how we have gained
and seminars.
In many cases, insurance for offshore wind power generation projects is designed for the period oftransition to operational status for each part that has been constructed. Our package exclusively
designed for such projects, on the other hand, offers seamless total support in order to cover
the interface risk associated with the shift tooperation. Although this insurance package is
generally employed in Europe and the UnitedStates, the content of the insurance and thecomposition of the agreement have beenadjusted to fit the legal system and environmentof Japan.

84

CSR LibraryCredits gained from clean energy facilities• Specialized Insurance Package for Offshore Wind Power Generation• Impairment Liability Coverage for Geothermal Power Generation Operators• Environmental Impairment Liability Coverage• Environmental Consulting

CSR Management

Operating clean energy facilities• Specialized Insurance Package for Offshore Wind Power Generation• Mega-Solar Package Program• Impairment Liability Coverage for Geothermal Power Generation Operators• Environmental Impairment Liability Coverage• Environmental Consulting

Core Theme 3 /Supporting People

by underwriting these projects, particularly in terms of loss prevention, at international conferences

Mega-Solar Package Program

established in 2018 to provide company-

With the launch of Japan’s Feed-in Tariff Scheme for Renewable Energy in July 2012, the planning& Nichido aims to be the industry leader

and construction of “mega-solar” large-scale solar power generation facilities is surging across thefrom an insurance perspective for offshore

country. In order for businesses to stably operate the facilities, measures are necessary to evaluate

wind power generation projects, an areabusiness risks over a long term of 10 to 20 years and from a variety of angles, starting from theexpected to grow and develop not only ininstallation stage.

and to accelerate initiatives to enhance the

In July 2012, Tokio Marine & Nichido began marketing its Mega-Solar Package Program. Through risk

global environment in the process.

consulting and insurance products, the program offers an integrated solution for the risks involved inmega-solar projects.

Stochastic Assessment of Natural Disasters
The risk of a natural disaster occurring such as a typhoon, earthquake or tsunami is significantly

Making Use of Evolving Risk Assessment Approaches in Consulting

different between Japan and Europe. In arranging insurance for wind power generation projects,

The Mega-Solar Package Program is composed of 1) risk consulting (natural disaster risk assessment

Tokio Marine & Nichido Risk Consulting calculated the critical indicator of Probable Maximum Lossand soil contamination status assessment) and 2) arrangement of property and casualty insurance.

Core Theme 1 /Providing Safety and Security

Japan and Asia but across the entire world,

Governancewide support for the industry. Tokio Marine

Tokio Marine Group's CSR

A dedicated team was set up to deal with wind power-related projects in 2013, and a task force was(PML) using stochastic methods and conducts risk assessment. In many cases, financing has become
In the event of damage from earthquake, tsunami, water, wind, high tide or other natural disasters,

want to understand the risk involved using stochastic assessments that use a fixed return period,mega-solar projects may be forced to review installation expenses or construction times, andor estimated average time between events such as 475 years for an earthquake and 100 years for abusiness operation following launch may be severely affected.

typhoon.
Based on natural disaster information and knowledge accumulated over years in the property andCore Theme 2 /Protecting the Earthan integral part of offshore wind power generation projects as they grow in scale. Lenders also

casualty insurance business, the product offers risk consulting services that include a three-stage
status assessment consulting through means such as site usage histor y sur veys and field
investigations. By incorporating such consulting, mega-solar business operators are able to accurately
assess the risks that can threaten business continuity and can effectively carry out necessary
investments and measures.

which we are using to start consulting services for renewable energy facilities for biomass and windpower generation businesses.

CSR Management

Conducting risk assessments of mega-solar projects has helped us build up extensive know-how,Core Theme 3 /Supporting People

evaluation of natural disaster risks at planned mega-solar installation sites and soil contamination

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Tokio Marine Group's CSR

The mega-solar project flow from installation work to operation

GovernanceCore Theme 1 /Providing Safety and Security

Tokio Marine & Nichido Risk Consulting’s “Risk Assessment of Renewable Energy Facilities” (in Japanese)■Arrangement of Appropriate Property and Casualty Insurance at the Mega-Solar Project
Installation and Operational Stages■Commenced Sales of New Impairment Liability Coverage for Geothermal Power Generation

management and by arranging for insurance against each risk. Looking specifically at risks to

Operators

installation work, insurance involves compensation for damages in the event of accidents originating

Geothermal power generation does not emit any CO2, a primary cause of global warming, which has

in solar power systems during installation or after completion, including damage to or destruction

put it in the spotlight as a low-cost renewable energy with the potential for stable power supply.

of solar systems or temporary installations from calamities such as fire or lightning, as well as

There are high expectations for the application of this form of energy and the government has evenaccompanying loss of profits due to delay of operation. Risk hedging against the preceding factors isformulated a plan to expand capacity of geothermal power generation facilities three-fold by 2030

possible through erection all risks insurance, delayed start of operations insurance and various forms

compared with current levels.

of liability insurance. With regard to risks to operation, insurance involves compensation for damages
Against this backdrop, in June 2016 Tokio Marine & Nichido started sales of a “geothermal package

power systems from calamities such as fire, as well as accompanying loss of profits if operation isplan” that underwrites such risk as property risk, construction risk and liability risk from groundhalted. Risk hedging against the preceding is possible through commercial property insurance andsurveys to operations for geothermal developers. Within this “geothermal package plan,” liability risk

various forms of liability insurance.

compensation provides peace of mind to nearby hot spring operators (hot spring union) with regard
to geothermal development. This is achieved through compensation for damages if there is a decline
in the volume of hot water or a change in hot spring quality in a nearby hot spring area during

support the social infrastructure of the future. Based on the role that insurance companies bear ingeothermal development or operation of a geothermal power generation facility. Such damages

society, Tokio Marine & Nichido will support the smooth diffusion of renewable energy by providing

include the cost of investigation into the cause, which is covered by the geothermal developer, or

insurance products and risk consulting services and contribute to the development of a sustainable

lost profit on the part of the hot spring operator. Payment of the cost for investigating the cause atsociety.

the stage when a reduction in hot spring volume or a change in spring quality has been objectively

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Solar power and other forms of renewable energy are indispensable as new energy sources to

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originating in ownership or management of facilities, including damage to or destruction of solarCore Theme 3 /Supporting People

projects, appropriate risk management is achieved by analyzing risk factors that can impact projectCore Theme 2 /Protecting the EarthAs various risks are expected at every stage – from installation to operation – in mega–solar

■Consulting related to ESG and Sustainability

first for Japan.

The understanding that non-financial value in addition to financial value is essential in order toincrease corporate value over the medium to long term has taken hold in Japan in recent years.
Amid growing interest in Environmental, Social and Governance (ESG) factors, there are heightened

this product going forward.

expectations for corporate management based on an awareness of ESG in addition to financial
aspects. Tokio Marine & Nichido Risk Consulting provides a variety of consulting services relating
to ESG and environmental management by leveraging a proven record in Socially Responsible

General flow of geothermal development (model case of 30,000 kW power output)

Tokio Marine & Nichido Risk Consulting’s “ESG and Sustainability” (in Japanese)

Source : Prepared using basic data for investigating purchase price in FY2013 issued by Resources andEnergy Agency of the Ministry of Economy, Trade and Industry (in Japanese)(PDF / 1.76 MB)Core Theme 1 /Providing Safety and Security

Investment (SRI) funds.

Governance

Tokio Marine & Nichido will continue to contribute to the proliferation of geothermal power throughTokio Marine Group's CSR

confirmed irrespective of the existence or not of liability on the part of the geothermal developer is aCore Theme 2 /Protecting the Earth■Sale of Environmental Impairment Liability Coverage
In response to the growing need for ensuring compliance with environmental regulations andmitigating lost profit caused by the emission of contaminants, U.S.-based Philadelphia Insurance
Companies (PHLY) offers environmental insurance products with environmental impairment liability
coverage against various risks, including impairment liability for contamination of the environment,Core Theme 3 /Supporting People

for manufacturers, processing companies, construction companies, environment-related operators,
environmental consultants, pharmaceutical firms, electricians and plumbers, hotel operators and realestate agencies.
These insurance products protect policyholders from impairment
liability for damage to third parties and remediation expenses caused by

CSR Management

environmental contamination, thereby contributing to the protectionof the natural environment and the health of local residents while
encouraging the promotion of regional industries.
Philadelphia"Environmental Products"

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initiative to promote environment-conscious auto repairs following accidents with the cooperation

initiatives in the environment-related field. These included promotion of the Green Gift Project,of customers. This initiative, contingent upon the approval of customers, encourages the repair, notdissemination of information on eco-safe driving and accident reduction via the company website,

replacement, of parts damaged in an accident or the use of recycled or rebuilt parts if the damage

increased use of recycled parts in auto repairs and premium discount services for hybrid, electric andis beyond repair, to reduce industrial waste and utilize resources more effectively. Following “Thecompressed natural gas vehicles.

Declaration of the Promotion of the Use of Recycled Parts,” a joint statement made by The General
Insurance Association of Japan and its member insurance companies in October 2011, we have2
In 2011, Tokio Marine & Nichido won the Silver Prize in the Eco Mark Award 2011* sponsored by JEA,

decided to step up this initiative by generally requiring the use of recycled parts when repairing

becoming the first company in the financial industry to receive an Eco Mark award. In granting thecompany-owned vehicles and encouraging their use in personal vehicles of employees.

award, JEA highly recognized the company’s efforts to promote the widespread use and increase thevisibility of Eco Mark-certified auto insurance products (creation of Eco Mark awareness posters and

For the same reason, Nisshin Fire provides an environment-conscious auto insurance, Asante, which

extensive use of the Eco Mark label on auto insurance leaflets and renewal notices) and to offer eco-provides a 10% discount on insurance premiums if a car repair is done using recycled parts at one offriendly auto insurance that allows policyholders to participate in activities to reduce environmental

the automobile excellent repair shops specified by the company.

Core Theme 1 /Providing Safety and Security

Tokio Marine & Nichido and Nisshin Fire & Marine Insurance (“Nisshin Fire”) have been undertaking an

for financial products from the Japan Environment Association (JEA) for its efforts to promote various

Governance1
In December 2010, Tokio Marine & Nichido acquired the first auto insurance Eco Mark* certification

Tokio Marine Group's CSR

Accident-Related Auto Repairs That Are Friendly to the Environment

First Auto Insurance Eco Mark Certification Acquired for Financial Products

impact through the Green Gift Project. Becoming carbon neutral in its domestic business activities inCore Theme 2 /Protecting the Earthfiscal 2009 and fiscal 2010 was another point that was recognized by JEA.

Nisshin Fire Asante (in Japanese)*1 The Eco Mark environmental label is granted to products that are certified as having less impact on the environment throughout theirlifecycles and being effective in preserving the environment.
*2 The first award scheme established in 2010 in relation to the Eco Mark. Awards are presented to companies and organizations proactively
engaged in activities to achieve the objective of the Eco Mark project: “Creation of a sustainable society through the wise choice ofenvironment-friendly products by consumers and environment improvement efforts by companies.”

Core Theme 3 /Supporting People

Asante environment-conscious auto insurance

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CSR Library88Based on the theme “Protecting the Earth,” Tokio Marine Group is implementing local and social

1. Initiatives in Japan

contribution activities around the world that help protect the environment and biodiversity. TheseAt Tokio Marine Group, employees and agents volunteer to hold classes of Green Lessons: The
Mangrove Story. Tokio Marine & Nichido has co-hosted the Children’s Environmental Award program,❖Relation between written content and SDGs
Relevant goal

Relevant target

Tour, a tour learning about the importance of preserving the global environment, while having co-

Description of related
content

sponsored the Collaborative Afforestation Project with Environmentally Advanced Corporations in
Aki City, Kochi Prefecture. The company also holds the Marunouchi Citizens Environmental Forum, a15.2 Promote the implementation ofsustainable management of all types

Collaborative Afforestationof forests, halt deforestation, restore

Efforts in Kochi Prefecture:degraded forests and substantially
increase afforestation and reforestation

Tokio Marine & Nichido’s
Forest for the Futuresocial and environmental awareness seminar, jointly with Mitsubishi Corporation and is working tobuild environmental communities.
■ Green Lessons: The Mangrove Story

globally

As part of its efforts to raise environmental awareness, since 2005 Tokio Marine Group has provided
Green Lessons: The Mangrove Story, an environmental education program for children in elementary❖ Section composition

Core Theme 1 /Providing Safety and Security

15. Life on Landan environment-themed illustration and essay contest, and the Iriomote Island Eco Experience

Governanceactivities emphasize voluntary engagement by employees and tie-ups with NPOs and other groups.

Tokio Marine Group's CSR

Building Communities for People to Live with Peace of Mind through Environmental Protection Activities

and special needs schools. Employee and agent volunteers visit these schools and give lectures
stories about mangrove planting. Children participating in these lessons receive flowerpots madeAt Tokio Marine Group and our Group companies, employees and agents volunteer to holdfrom recycled uniforms.

classes on the environment, art and writing contests, and eco-experience tours. In addition,
we are building an environmental community through the Marunouchi Citizens Environmental

As of March 31, 2019, the Group visited around 830 elementary and special needs schools throughout

Forum, a forestry maintenance and environmental awareness seminar.

Core Theme 2 /Protecting the Earthon the theme of “prevention of global warming and preservation of biodiversity,” in which they tell

1. Initiatives in Japan >>Japan and provided Green Lessons to 55,630 children. We will continue conducting these lessons
environment.

2. Initiatives Overseas >>Tokio Marine Group and our overseas companies are promoting environmental initiatives

Laboratory for the Future (Green tuition fee) (in Japanese)through Earth Day and other events. In Asia, efforts are made to protect forests and water while

CSR Management

children with underprivileged backgrounds are invited to environmental enlightenment tours.

Core Theme 3 /Supporting People

nationwide as a place for children, the leaders of tomorrow, to think for themselves about the

We are working to build environmental communities in this way in the different regions of theworld.

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Shimbun Company (newspaper) have co-hosted an

In May 2009, Tokio Marine & Nichido concluded a five-year partners agreement with Kochi Prefecture,environment-themed illustration and essay contest,

Aki City and the Eastern Kochi Forestry Association to promote afforestation in Aki City under the

the Children’s Environmental Award program, as one

prefecture’s Collaborative Afforestation Project with Environmentally Advanced Corporations (theinitiative to raise environmental awareness among

five-year agreement was renewed in May 2014). The forest covered under the agreement has been

elementary school children who will take the lead in thenamed “Tokio Marine & Nichido’s Forest for the Future.” Every year, we conduct a volunteer tour for

future and, in turn, raise awareness among society asGroup employees and agents including their families

a whole. For the 11th Children’s Environmental Award

to experience tree thinning and socially interact within fiscal 2018, we received 2,672 works from children all over Japan. We invited the winners of thelocal residents. A total of 42 members participated incontest and their parents to join the Iriomote Island Eco Experience Tour.

the 10th Tree-Thinning Forestry Volunteers tour held in
November 2018. Participants felt that it was a project

The Iriomote Island Eco Experience Tour is conducted under the supervision of Shigeyuki Baba,that taught them the importance of maintaining andProfessor Emeritus, University of the Ryukyus. He is also a judge of the Children’s Environmental

protecting forests and the effort that goes into doing so,Award and has been providing support to Tokio Marine & Nichido’s Mangrove Planting Project.

and that they wanted to expand the initiative with every

Participants learn about the importance of preserving the global environment through a program ofopportunity as their own responsibility.

while receiving explanations from specialists.
■ Marunouchi Citizens Environmental ForumThe children who participated in the tour commented that nature was more fragile than they thought

Every year, Tokio Marine & Nichido holds a social and environmental awareness seminar, theand needs to be protected and understood the problems facing Iriomote, and that there are many

Marunouchi Citizens Environmental Forum, jointly with Mitsubishi Corporation. At the 60th forum

people committed to protecting nature as well as flora and fauna.

held in fiscal 2018 at MARUCUBE in the Marunouchi Building in Chiyoda Ward, we invited Gentaro
locations by teaching sustainability of the forest, sea
and tomorrow to children, and introduced activities of
MORIUMIUS (“forest, sea, tomorrow”) that seek to create
a new type of harmony between cities and regions as
from inside and outside the company attended, withsome commenting that the seminar provided theopportunity to think again about realizing a society inwhich people live in harmony with nature.

CSR Management

well as between people and regions. Some 70 people

Core Theme 3 /Supporting People

Yui, Field Director at MORIUMIUS. He gave a lecture under the theme of building a future for regional
Tokio Marine & Nichido (Children’s Environmental Award) (in Japanese)Core Theme 2 /Protecting the Earthevents that includes exploring a mangrove forest, engaging in tree planting and mangrove dyeing,

Core Theme 1 /Providing Safety and Security

for the Future

Governance■ Collaborative Afforestation Efforts in Kochi Prefecture: Tokio Marine & Nichido’s Forest

Since 2008, Tokio Marine & Nichido and The Asahi

Tokio Marine Group's CSR■Children’s Environmental Award and Iriomote Island Eco Experience TourCSR Library90

Employees at U.S.-based PHLY conducted various activities to promote Earth Day 2019 as part of

In Tokio Marine Group, U.S.-based Philadelphia Insurance Companies (PHLY ) is promoting

TEAMPHLY, an employee-driven environmental awareness program.

Thai-based Tokio Marine Insurance (Thailand) conducts initiatives to protect forests and water and

Employees volunteered their time to collect used plastic bags that they processed into plastic balls

invites underprivileged children on environmental enlightenment tours. These and other efforts seekof yarn called “plarn.” Plarn is woven into mattresses that are distributed to the homeless. Fifty-six

to build environmental communities around the world.

employees took part in Earth Day 2019 and made 60 balls of plarn. The plarn mattresses were put■TEAMPHLY Initiatives

a source of information so the homeless can get what they need when they need it. The initiative

U.S.-based PHLY has been encouraging its employees to take part in initiatives to protect thenot only helps prevent environmental destruction and protects wild animals, it also supports theenvironment in the workplace, home and local community in order to leave behind a beautiful

homeless. An additional 15 employees participated in a tree-planting event at a community park inenvironment for the next generation. TEAMPHLY involves support of environmental protection

celebration of Earth Day 2019.

activities by individuals and communities as well as various efforts to reduce environmental load in
the office with the aim of minimizing the environmental footprint in business activities.

Core Theme 1 /Providing Safety and Security

into bags known as “Blessing bags” together with food, light meals, clothing, hygiene products andGovernanceenvironmental activities in different locations that include participation in Earth Day. In addition,

Tokio Marine Group's CSR■ Participation in Earth Day Events

2. Initiatives Overseas

The three main activities under TEAMPHLY in 2019 were the reduction of the environmental footprint
Core Theme 2 /Protecting the Earththrough business activities, environmental education and awareness-raising activities, and efforts
in connection with community outreach. Activities included the purchase of renewable energy
certificates to offset CO2 emitted through the use of power in offices throughout the United States.
The company also donated US$100,000 to the Arbor Day Foundation, an environmental NGO in the
United States and planted 320,000 trees to protect forests damaged in natural disasters such as brushCore Theme 3 /Supporting People

fires from 2015 to 2019.
TEAMPHLY

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Tokio Marine Group's CSRCore Theme 3: Supporting People

Governancenursing and health needs of the elderly is increasing• Technological innovation• Low birth rates and aging societies, and population
demographics• Human resources development• Diversity and inclusion• Local community and social contribution activities• Promoting ESG in the provision of products andservicesdue to the low birth rate and aging society. There isalso growing demand to create societies in whichpeople in underprivileged circumstances and thosewith disabilities can live with peace of mind in thecommunity as economies and societies become moresophisticated and globalization progresses. In addition, there are calls for the acceptance, promotion

CSR & ESG Highlights

and utilization of diversity in such areas as gender, age and nationality. On a global scale, the reality is
The career education program“Group Work on Managing Risks andOpportunities” is being provided
mainly at junior high schools acrossJapan. As of March 31, 2019, over
1,200 people had taken the program.
Support for education and childcare
was also continued for children
whose parents passed away due toan illness through a foundation.

that there is growing income disparity, increasing unemployment among youth, poverty and unequal

Tokio Marine Group continued
to provide support for the Japan
Para-Sports Association and Japan
Inclusive Football Federation.
Ongoing support was also provided
for initiatives to learn about, watch
and experience sports for persons
with disabilities. Our support has
impacted 79 sports organizations andapproximately 59,000 people.

opportunities for education based on gender.
Tokio Marine Group has set “Supporting People” as a core CSR theme in order to take up the challengeof resolving these issues. To this end, we will promote local community and social contribution
activities supporting people through the growth of young people and support the elderly, persons
with disabilities and athletes as well as the promotion of diversity and inclusion.

Tokio Marine Group provides products and services that anticipate the changing social environmentand customer needs by utilizing the solutions offered by respective Group companies, including
insurance. The Group will contribute to a society based on good health and longevity throughactivities to raise awareness about cancer undertaken by employee volunteers in Japan and aroundprofessionals. By promoting these initiatives, Tokio Marine Group will contribute to developing
partners who support and bring a virtuous cycle to local communities and society.

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the world, activities to spread knowledge about nursing care and offering advice through medical

CSR Management

Building a Society Based on Health and Longevity to Ensure Peace of Mind

Core Theme 3 /Supporting People

Tokio Marine Group started providing
Dementia Support Plan, the industry’s
first specialized insurance package
for persons suffering from dementia
and their families to realize a society
in which they can live with peace ofmind.

Core Theme 2 /Protecting the Earth

CSR Materiality (Material Issues)

Core Theme 1 /Providing Safety and Security

In Japan, the impor tance of responding to theValue Creation

Tokio Marine Group is promoting social contribution through the establishment of a foundation

Developing employees and partners who support and bring a virtuous cycle
to local communities and society

to nurture generations responsible for the future with the aim of developing youth and promoting

Governancesports. In addition, we implement local social contribution activities in conjunction with employees

Tokio Marine Group's CSR

Nurturing Generations Responsible for the Futureworldwide who volunteer to deliver lesson programs and environmental education as well as withlocal and social action volunteers and NGOs. We also provide support to charity organizations.

Core Theme 1 /Providing Safety and Security

Aiming to Create a Symbiotic Society
Tokio Marine Group aims to create a symbiotic society for everyone both socially and economically,irrespective of age, gender or disability. To this end, employees around the world are proactively
working on activities that support the elderly, the deaf and blind, athletes and expectant mothers inconjunction with NGOs.
By promoting these initiatives, Tokio Marine Group will contribute to developing partners who
support and bring a virtuous cycle to local communities and society.

Core Theme 2 /Protecting the Earth
Core Theme 3 /Supporting People

Examples of CSR approach (Protecting the Earth)

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Tokio Marine Group provides products and services that anticipate the changing social environment
3. For the Health of Companies and Employees through Health and Productivity Management >>insurance. The Group will contribute to a society based on good health and longevity throughTokio Marine Group uses the health and productivity management know-how it has gained

activities to raise awareness about cancer undertaken by employee volunteers in Japan and aroundinternally to offer insurance solutions to corporate customers.

the world, activities to spread knowledge about nursing care and offering advice through medical
professionals.By promoting these initiatives, Tokio Marine Group will contribute to developing

4. Protecting Customers and Society from Cancer >>partners who support and bring a virtuous cycle to local communities and society.

Tokio Marine Group teams up with local public organizations to take steps aimed at limiting
the incidence of diseases such as cancer among customers and in society. The movement also

Relevant goal

3. Good health and well-being

3.3 End the epidemics of AIDS, tuberculosis,
malaria and neglected tropical diseases andcombat hepatitis, water-borne diseases andother communicable diseases
3.4 Reduce by one third premature mortality
from noncommunicable diseases throughprevention and treatment and promote mental
health and well-being
3.d Strengthen the capacity of all countries forearly warning, risk reduction and managementof national and global health risks

includes efforts by employee volunteers. We also launched an investment trust that contributes
a portion of the management fees to a cancer research facility.

Products and Services
Information

5. R&D and Nurturing Human Resources >>Disclosure/AwarenessRaising Activities

Tokio Marine Group provides support to Kyoto University’s Center for iPS Cell Research

Local Community andSocial Contribution
Activities

and Application (CiRA) while handling the joint planning and development of health andproductivity management apps using ICT. We also contribute to the development of young
doctors responsible for providing medical care in the future.

N Program to Support
4.3 Ensure equal access for all women and men
Young Physicians to Gainto affordable and quality technical, vocational
Clinical Experience in theand tertiary education, including university
United States

1. Providing Peace of Mind in an Era of the 100-Year Life■ “Dementia Support Plan” and “Pension-Type Nursing Care Coverage Plan with Additional❖ Section composition
1. Providing Peace of Mind in an Era of the 100-Year Life >>In recent years, the number of people in need of nursing care and suffering from dementia has been

Tokio Marine Group provides comprehensive insurance services related to dementia, lifeon the rise in line with an aging society, and these are the issues that many people can readily relate

insurance, regenerative medicine and nursing care with the aim of creating a world in whichto. Based on a desire to play a part in resolving this social dilemma, Tokio Marine & Nichido is focused

people can live with vitality in an era of the 100-year life. In addition, we offer products andon the provision of products and services corresponding to care and dementia.

Core Theme 3 /Supporting People

Coverage for Dementia”

Core Theme 2 /Protecting the Earth

4. Quality education

Relevant target

Description of related
content

Core Theme 1 /Providing Safety and Security❖ Relation between SDGs and content

Governanceand customer needs by utilizing the solutions offered by respective Group companies, including

Tokio Marine Group's CSR

Building a Society Based on Health and Longevity to Ensure Peace of Mind

services such as Aruku Hoken to promote health.
for dementia patients and their families, with the aim of helping to realize a society for them to

Tokio Marine Group takes part in initiatives that support government agencies and otherlive vibrant lives with peace of mind. This product compensates search costs when a dementia

institutions around the world from a financial perspective by applying our insurance solutions.

patient goes missing and liability in daily life on the part of the sufferer or their family. In addition,

We also support customers in times of need through such means as free consultation by phone

in preparation for when a dementia patient goes missing, we provide emergency contact stickers

when an injury or illness occurs. Other efforts focus on enhancing awareness of saving lives

from Safety Net Linkage, which has a proven track record in watch-over support for the elderly, as anamong employees through AED workshops and other courses.

added service to the product so they are quickly found and taken into protective custody.

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2. Initiatives Supporting Customers in Times of Need >>CSR Management

In January 2019, we launched the industry’s first Dementia Support Plan, an exclusive insurancesufficiently meeting the expectations of policyholders. While the need for such compensation

established the Academy of Health and Long Life

increases with age, standard private nursing insurance premiums during elderly years become

section of its website to convey to the broadest possible

progressively expensive. To resolve this issue, we designed a product with features that include

audience the importance of disease prevention andreplacing premiums to be paid when in need of care with fixed-term pension payments. This makes

health management in leading a healthy life long into

it easier to prepare for prolonged nursing care and provides more affordable premiums. Moreover,the future. Tokio Marine & Nichido Life guides visitorswith the dementia-assistance package bundled to this product, a wide range of exclusive dementia-

through the academy, which includes the Healthrelated services are available to help people live life with the disease, such as maintaining andPromotion Center for self-checking lifestyle-related

enhancing brain functionality through special training.

diseases; the Infirmary for learning about how to readthe results of physical examinations; the Retirement Preparations Center for learning about making■Initiatives for Living Benefits

financial preparations; and the Library for performing searches on diseases and nursing care. In thisWhat Is Life Insurance Revolution “Nextage”?

way, we make sure we provide ample information on lifestyle-related diseases, nursing care and other

Tokio Marine Group provides optimum safeguards by protecting customers in all domains including

relevant topics.

life insurance. These safeguards encompass “new protection” in preparation for advancements in
We provide various information maintained by Tokio Marine & Nichido Life and other companies inand “prevention and pre-symptomatic health” with the aim of maintaining health and preventing

Tokio Marine Group, including Tokio Marine & Nichido Medical Service and Tokio Marine Nichido

illness.

Better Life Service, and business partners.
Tokio Marine & Nichido Life’s Academy of Health and Long Life (in Japanese)

We will strive to become a life insurance company that continues to be chosen by developing
products and services that protect customers.

At the timing of the enforcement of a new act to ensure thesecurity of regenerative medicine in 2014, Tokio Marine &Nichido has developed and released new insurance products
related to regenerative medicine, namely, insurance for clinicalcell-cultivating companies.
Regenerative medicine regenerates tissue and cells that havedeteriorated due to illness or injury, for example, and helps

CSR Management

research on regenerative medicine and liability insurance forCore Theme 3 /Supporting People■ Insurance Products to Facilitate the Advancement of Regenerative Medicine

Core Theme 2 /Protecting the Earth

medical technology, “asset building” in preparation for old age with expectations of longer lifespans

Core Theme 1 /Providing Safety and Security

I n Fe b r u a r y 2 0 1 2 , To k i o M a r i n e & N i c h i d o L i fe

Governance■Initiatives for Longevity Risk: Academy of Health and Long Life

coverage for dementia. Based on our own research, it was clear that care compensation was not

Tokio Marine Group's CSR

In October 2019, we started providing a pension-type nursing care coverage plan with additionalwith the recovery of physiological functions. It is expected to improve the quality of life (QOL) of
regenerative medicine is still in the process of developing into an industry and practical applications.

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CSR Librarypatients, the elderly and people with disabilities and ensure a longer healthy life. In Japan, however,2. Initiatives Supporting Customers in Times of Needinvolved in regenerative medicine. The solution, we believe, is insurance.

■ Pandemic Derivatives for the World Bank
In July 2017, Tokio Marine & Nichido participated in the “Pandemic Emergency Financing Facility

negative effects in people undergoing regenerative medicine treatments, and thus reduce the(PEF)” launched by the World Bank as an international initiative to manage crises caused by infectious

said cost and risk, there will be a better chance that more players would take on the challenge of

diseases. Through the underwriting of pandemic derivatives, we will support efforts by public-private

developing regenerative medicine into an industry and practical applications. By providing suchpartnerships to contain internationally threatening infectious diseases and contribute to the creation

insurance products, Tokio Marine & Nichido will contribute to the advancement of regenerativeof a safe, secure and sustainable future.

medicine in Japan.
The Japanese government brought up the issue of international health when it was host country
Health Organization (WHO), PEF was launched by the World Bank as a new financial mechanism for

to improve customers’ health and quality of life. The product, the first of its kind in the industry,

responding to public health crises that drew on lessons learned with the Ebola virus. The Japaneseprovides policyholders with a measurement device and returns a portion of insurance premiums ingovernment was the first in the world to declare that it would provide financial assistance to PEF andaccordance with their health improvement activities, which are recorded using a special app.

called for the cooperation of other countries.

■Seminar on Balancing Work with Elder Care: Helping Prevent the Need to Stop Work for Caregiving

Overview of the Program

Amid the rapidly aging society, “leaving full-time employment for elder care” has become a social

The PEF is the world’s first financing mechanism for swiftly and smoothly providing financial

issue of increasing prevalence. According to the government’s statistics, about 100,000 workers leaveassistance in the event that a pandemic occurs or expands in developing countries, and is funded bytheir job every year for the reason of elder care, while about 3.46 million people work while taking

the International Bank for Reconstruction and Development (IBRD) of the World Bank Group throughcare of their elderly parents or relatives. For companies, it is an issue of losing the core group of theirderivatives transactions between IBRD and insurance companies and the issuance of pandemic bonds

workforce since people leaving their job are mainly in their 40s and 50s. These caregivers, on theto investors. In the case where data released by WHO, such as the number of deaths, rate of increaseother hand, also bear a significant burden both economically and mentally because they have noin the number of deaths and the number of affected countries, reach predetermined levels that haveidea for how long their days of caregiving will continue.

been established as criteria for funding assistance, Tokio Marine & Nichido will pay a preset amountto IBRD.

Tokio Marine Nichido Better Life Service provides seminars on balancing work with caregiving for
employees of companies by leveraging know-how accumulated in the operation of caregiving
services for the elderly. The seminars cover a broad range of topics from basic knowledge tomanagers in the position of supporting their workers who are
juggling both work and caregiving. In addition to the seminars,
Tokio Marine Nichido Better Life Service provides a menu that
also covers how to create a handbook balancing work and* The Japanese government announced that it would contribute USD50 million over three years
prior to the meeting of G7 Finance Ministers and Central Bank Governors in May 2016.

caregiving that compiles information on caregiving as well

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implementing care, long-distance caregiving and dementia care. Also available are seminars forCore Theme 3 /Supporting People

for the G7 Ise-Shima Summit in May 2016. With the cooperation of the World Bank and World

protecting customers from serious illnesses such as lifestyle-related diseases by supporting initiatives

Core Theme 2 /Protecting the Earth

In 2017, Tokio Marine & Nichido Life developed Aruku Hoken with the concept of preemptively

Core Theme 1 /Providing Safety and Security

Background to the Establishment of the Pandemic Emergency Financing Facility■Aruku Hoken

GovernanceIf new players and researchers can leverage insurance as a means to provide compensation for

Tokio Marine Group's CSR

To accelerate the process, many players must enter the field. One drawback is the cost and risk

CSR Libraryas telephone consultation on caregiving and consultation
through industrial care managers.

96

– Guidebook on Combating Infectious Diseases

The Japanese Medical Practice outpatient clinic operated by Mount Sinai Beth Israel in New York City
1990. At the event celebrating the 100th anniversary of the Japanese American Association of New

Diseases (supervised by Koji Wada, a doctor at the National Center for Global

York held in fiscal 2009, the Japanese Medical Practice outpatient clinic offered medical consultation

Health and Medicine). The book uses many charts, tables and illustrations toservices and held medical seminars for elderly Japanese-American people living in New York. This

explain in an easy-to-understand manner the risk of Ebola hemorrhagic fever,clinic plays a major role in providing medical services to the local Japanese community and is highly

new strains of influenza and other infectious diseases and necessary measures

regarded by the Japanese Consulate General in New York as a medical institution providing services

to be taken by companies and individuals. Chapter 4 (Protecting Companies)

to Japanese people.

of the book, in particular, describes in detail the characteristics of infectious
diseases as risk to companies, minimum required measures, points to be noted when building a■AED & Basic Life-Saving Workshop to Build a Society That Can Practice Life-Saving Skills

structure to ensure business continuity and other important points when implementing measures at

Tokio Marine Group provides a workshop to practice using

overseas bases.

Automated External Defibrillators (AEDs) and to perform
cardiopulmonary resuscitation (CPR). Around 5,357 employees
from Tokio Marine Group attended the workshop by the

Medical Assist is a free health and healthcare consultation service that supports the health ofend of fiscal 2017. Through the workshop, participants havepolicyholders and insurees of Tokio Marine & Nichido and Tokio Marine & Nichido Life, including theirrealized that they do not have to be an expert to perform CPR

families. Assistance is provided via telephone 24 hours a day, seven days a week, including advice on

and gained enough confidence to take action rather than justeveryday physical accidents, methods for handling emergencies such as sudden illnesses or injuries,

standing by in case of an emergency.

information about hospitals, clinics and other medical facilities that examine patients on holidays
In cooperation with the Marunouchi Fire Station of the Tokyo(by appointment only), and arrangements for transfer to other hospitals on behalf of patients. SuchFire Department ( TFD), Tokio Marine & Nichido provided aconcerns are addressed by experienced and knowledgeable healthcare professionals including

workshop to learn standard first aid at its head office. Over the

emergency medical specialists who take leading roles in emergency medical institutions, medical

course of two training courses, lecturers from the fire station

specialists qualified as university professors or assistant professors, and nurses with a wealth oftaught about 20 employees from Tokio Marine & Nichido andclinical experience. Nurses make the initial response to customer inquiries, and depending on theGroup companies how to use AEDs, perform CPR, prevent

case, emergency medical specialists and other medical staff address the issue thereafter as necessary.

suffocation and stop bleeding. At the completion of theseFor example, in the case of providing consultation about a child stung by a bee, an inquiry is firstby the TFD Fire Chief.

made to the caller about symptoms the child is showing. Then, the caller will be advised whether toseek emergency medical care, while receiving instructions on first aid best suited for the symptoms.

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Medical Assist: Tokio Marine & Nichido Life (in Japanese)

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courses, participants received a first aid skills certificate issued

Core Theme 3 /Supporting Peopleor late at night, consultation with specialists in a range of more than 30 medical examination fields

Core Theme 2 /Protecting the Earth■ Medical Assist : Providing 24/7 Telephone Support for Customers Seeking Advice on Illness or Injury

Core Theme 1 /Providing Safety and Security

with donations from Tokio Marine & Nichido has been providing medical services in Japanese sincebook, Protecting Families and Companies – Guidebook on Combating Infectious

Governance

In April 2015, Tokio Marine & Nichido Risk Consulting wrote and published a

Tokio Marine Group's CSR■Supporting the Provision of Japanese-Language Medical Services in the United States■ Publication of a Book, Protecting Families and Companies

97

Tokio Marine & Nichido Medical Service offers the Employee Assistance Program (EAP) to support
the mental health management of companies. Besides conducting stress tests as required under the■In Support of Customers’ Health and Productivity Management

Industrial Safety and Health Law (revised in December 2015), EAP provides a comprehensive menu
labor consultants. These services range from individual follow-up for employees based on the results

Marine Group has formulated a philosophy and policy with employee health positioned as a coreof employee stress checks to providing supportive care during a leave of absence or when returning

theme for management, and related issues are being addressed. We were selected as a “Health &to work, preventing recurrence, analyzing stress level tendencies in organizations and consulting on

Productivity Stock” for the fourth consecutive year in recognition of these efforts. We support the

how to create a mental health framework.

promotion of corporate health and productivity through a range of services and group insurance
supporting employee benefit programs in order to deliver the know-how we have gained from these

As one mental health measure, popular courses such as “giving greetings at work” and “how to praise

initiatives to customers.

oneself” within a “health challenge campaign” that has been introduced at many companies with theaim of promoting the health of employees are helpful in enhancing the working environment andAs an example, to help with the formulation of highly effective health promotion measures andthe implementation of a PDCA cycle, we provide support for the quantitative analysis *1 of health-promoting self-care.

related issues by analyzing medical exams and prescriptions held by companies and health insurance

EAP is currently being used by more than 700,000 employees. We will continue to offer this programassociations; establishment of various corporate systems essential for promoting health andto everyone needing this type of support to assist them in maintaining better mental health.

with a variety of health-related issues.

Tokio Marine & Nichido Medical Service TMS NAVIGATOR (in Japanese)

4. Protecting Customers and Society from Cancer
Tokio Marine Group teams up with local public organizations to take steps aimed at limiting theincidence of diseases such as cancer among customers and in society. The movement also includes
efforts by employee volunteers. Overseas, we conduct cancer awareness-raising activities and provide
support for cancer sufferers through employee volunteers as well.

■ Support for Mental Health Management

We also launched an investment trust that contributes a portion of the management fees to cancer

Depression is considered a modern-day illness, and a number of companies have implemented

research facilities.
■ Movement to Protect Customers from Cancer

for mental disorders has continued to rise. Consequently, mental health care of employees is

Background of the Initiativerising in importance as an aspect of corporate risk management and management issues to be

As part of efforts to fulfill its social mission as an insurance company providing cancer insurance,

addressed in addition to being an integral part of corporate health and welfare. In particular, mental

Tokio Marine & Nichido Life has been supporting the Pink Ribbon Movement since March 2005.

health measures are now required in order to be certified as a Health & Productivity Management

Extending these activities, we have decided to steadily offer comprehensive solutions for customers’

Organization, a move that is growing rapidly.

concerns. As a first step, upon the release of an insurance product to support cancer treatment

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2008. Nevertheless, the number of claims filed and approved for workers’ compensation insurance

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various measures to counter a growing patient population after the figure exceeded one million inCore Theme 3 /Supporting People*1 We are systemizing indices for the quantitative evaluation of the effects of each measure by using data related to medical
expenses and employees’ productivity (presenteeism, etc.) based on knowledge gained in joint research with the Health and2
Productivity Management (HPM) Policy Research Unit (currently Healthcare Data Science Research Unit* of the Institute of Future
Initiatives) of The University of Tokyo Policy Alternatives Research Institute.
*2 In the Government’s Basic Policy on Economic and Fiscal Management and Reform 2016 (“Big-Boned Policy”), two policy
agendas were set: to improve the nation’s Quality of Life by analyzing Data Health introduced in the National Health Insurance
and to enhance productivity by closely cooperating with businesses’ health and productivity management. The research aims to
improve the feasibility and quality of health policies by visualizing health issues through Data Health and by understanding thetrend of its effective solutions.

Core Theme 2 /Protecting the Earthproductivity management; and implementation of health promotion measures effective to contend

Core Theme 1 /Providing Safety and Securityof services by a team of experts including psychiatrists, clinical psychotherapists and personnel andhave become important management issues in order to ensure sustainable corporate growth. Tokio

Governance

As Japan’s labor force shrinks, managing employee health and creating a good working environment

Tokio Marine Group's CSR

3. For the Health of Companies and Employees through Health and Productivity
Management

Agreement with the Shizuoka Cancer Center

Movement to Protect Customers from Cancer.

In 2007, Tokio Marine & Nichido Life and Tokio Marine & Nichido
Medical Service (TMS) concluded a comprehensive agreement on
joint research into the best ways to provide consultation, support

In Japan, cancer is considered a national disease and is a source of much grief. The fact has fueled ourand information regarding the treatment of cancer with thedesire to protect our customers from cancer to help ease the suffering of cancer patients and to assist

Shizuoka Cancer Center. This joint research program has focused

their families going through the ordeal. For us, the social role of an insurance company now extends

on such areas as jointly developing tools to communicate in plain

beyond delivering financial reassurance in terms of insurance payments to working to prevent cancer

language the importance of preventive medicine and medical Shizuoka Cancer Centerand providing mental support. Accordingly, Tokio Marine & Nichido Life has launched the Movement

checkups as well as knowledge on cancer.
Promoting the Pink Ribbon Movementknow cancer; (2) Talking about cancer; and (3) Helping with cancer countermeasures.

Tokio Marine & Nichido Life has been promoting the Pink Ribbon
Campaign in support of J.POSH, an NPO engaged in pink ribbon

An urgent task is to improve cancer examination rates in order to detect the disease at an early stage.

movements for breast cancer awareness in Japan, to convey

However, the checkup rate is lower than 50% targeted by the government and local authorities.

the importance of medical exams and early detection of breast

Based on the belief that joint action with as many people as possible is indispensable for improving

cancer. Tokio Marine Group employees, led by Tokio Marine &the situation, Tokio Marine Group has signed agreements with 44 prefectural bodies and 18 cities (asNichido Life employees, have continued to hold street campaigns
nationwide and hand out awareness leaflets* since 2005.

of March 31, 2019) and has been actively promoting collaboration with them to call more attention tocancer and raise examination rates.

* The certified NPO J.POSH collaborates with medical institutions nationwide on the Japan Mammography Sunday (J.M.S) initiative
to create an environment enabling women who are busy on weekdays to have mammograms on the third Sunday in October. Tokio
Marine & Nichido Life also supports this initiative and hands out a list of available medical institutions.

In October 2009, Tokio Marine & Nichido Life and Tokio Marine & Nichido became promoting partners
for Corporate Actions for Cancer Checkups, a national project commissioned by the Ministry ofProviding Encouragement to Cancer Patients by Making Terry Cloth Caps

efforts by the government and companies. By taking part in this public-private partnership, we

Since 2009, Tokio Marine & Nichido Life has joined initiatives

intend to contribute to the improvement of the cancer examination rate in Japan.

undertaken by the Iwate Hospice Association, a citizens’ groupin Morioka City, Iwate Prefecture, to support cancer patientsand their families and help them gain courage to fight against

Tokio Marine & Nichido Life encourages cancer education activities in its daily sales operations withthe disease. The company has been making terry cloth caps

the aim of disseminating cancer knowledge and increasing cancer examination rates. In addition tofor patients undergoing anticancer drug treatment. Every year,

periodic cancer-related study sessions, exchange meetings and seminars for agents/consignees atparticipants from Tokio Marine & Nichido Life and other Tokio Marine Group companies and theirbranch offices across the country, we hold a national conference of employees and agent/consignee

families stitch the caps together and donate more than 1,000 caps as Christmas presents to cancer

representatives who are actively and responsibly engaged in these cancer awareness efforts. Morehospitals nationwide through the Iwate Hospice Association.

than 800 representatives participated in the 12th conference held in October 2018. This national
Education and Childcare Support for Orphansawareness through lectures by cancer patients and cancer life advisors as well as a panel discussion

Tokio Marine & Nichido Life established a fund in 2016 to financially support children who havetitled “What we can do to make customers smile.”99

CSR Libraryconference served to extend knowledge and foster a strong sense of mission concerning cancer

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Nationwide Regional Activities

Core Theme 3 /Supporting People

Health, Labour and Welfare to raise the cancer examination rate to more than 50% through joint

Core Theme 2 /Protecting the EarthCollaboration with Local Authorities

Core Theme 1 /Providing Safety and Security

to Protect Customers from Cancer. The movement consists of the following three steps: (1) Getting toGovernance

Basic Policy

Tokio Marine Group's CSR

in September 2007, we rolled out a company-wide, ongoing and perpetual initiative called the5. R&D and Nurturing Human Resources

university students and others and educational materials to children preschool age and under withthe cooperation of the Japan Philanthropic Association. Benefit-type scholarships of 300,000 yen per

Tokio Marine Group provides support to Kyoto University’s Center for iPS Cell Research andyear are provided to students who have entered university or an equivalent educational institute. The

Application (CiRA), while handling the joint planning and development of health and productivity

Kodomo Challenge series of educational materials developed by Benesse Corporation is sent free ofmanagement apps using ICT. We also contribute to the development of young doctors responsible

charge every month to children in kindergarten and 30,000 yen is granted to celebrate advancing tofor providing medical care in the future.
■Supporting and Collaborating with the Center for iPS Cell Research and Application (CiRA),
Kyoto University

Donations from Tokio Marine & Nichido Life’s employees and agents are used to support activities

In January 2015, Tokio Marine & Nichido donated a total ofof organizations helping children undergoing medical treatment and elderly people. Employees of

100 million yen to Kyoto University’s iPS Cell Research Fund,the company also provide support to the activities of these organizations through participation andcovering a five-year period. In addition, the company called forother means. Donations have been made to the following organizations since fiscal 2016.

donations to the fund from employees of Tokio Marine Group• NPO CliniClowns Associationcompanies and other individuals and made an additional• The Support Network for NANBYO Children of Japan

donation exceeding 1.5 million yen in fiscal 2018.

• NPO Dementia Friendship Club
Currently, the Center for iPS Cell Research and Application(CiRA) has been undertaking a project called the iPS Cell Stock for Regenerative Medicine to stockpile

As a new initiative to contribute to the achievement of the SDGs, in July 2019 we established theinduced pluripotent stem (iPS) cells for medical use. It involves collecting blood from donors having a

Tokio Marine Investment Trust to Fight Cancer (without currency hedging)/(with currency hedging)special type of human leukocyte antigens (HLAs), which is thought to cause less immune rejection. In

for investment in companies with a high probability of making a significant contribution to theAugust 2016, CiRA started collaborating with the medical corporate foundation Kaijo Building Clinic,

resolution of cancer, a major social issue.

a tie-up medical institution of Tokio Marine Group, to expand a donor base. Collection of blood,
which had only been performed by Kyoto University Hospital, is now also conducted by the clinic. In
April 2017, the flying doctors of Tokio Marine & Nichido Medical Service also started cooperating intreatment field (diagnostic examination, profiling, medical technology and pharmaceuticals)

order to collect blood from willing donors who live in remote areas.

where there are expectations of significant growth and progress due to increasingly aging societies
worldwide and advancements in genetic analysis technology. Another aim is to contribute to the

CiRA started providing iPS Cell Stock for Regenerative Medicine in August 2015 and plans to haveachievement of Goal 3 of the 17 SDGs, namely “Ensure healthy lives and promote well-being for all at

enough iPS cell stock to cover 40% of the people in Japan by the end of fiscal 2018.

all ages.”Core Theme 3 /Supporting People

The fund aims to ensure return through investment in companies with strengths in the cancer

Core Theme 2 /Protecting the Earth■Providing Japan’s First Fund Specialized for Cancer Treatment

Core Theme 1 /Providing Safety and Security

Donation to Organizations Helping Children with Incurable Diseases and Elderly People

Governancethe next grade and upon entering elementary school.

Tokio Marine Group's CSR

lost one or both parents due to illness, including cancer, and offers benefit-type scholarships to

CiRA is working on research every day to enable the practical application of iPS cell technology.
Through our donations to the research fund, we hope to ease the suffering of people with intractable

contribution by donating a portion of the management fees to National Cancer Center Japan, Japandiseases and injuries and contribute to the establishment of a research environment that can stably

Cancer Society and other cancer research institutes.

obtain a pool of excellent researchers and research supporters and to the further advancement ofresearch in this area. At the same time, we will continue to provide support to health, medical andother related fields to deliver safety and security in the form of risk management, including insurance,

through investment as well as to enable continued support through the management fees that are

and through collaboration among Group companies.

paid regularly every year.

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Such direct assistance makes it possible to help organizations that find it difficult to get support

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In addition to indirect contribution through investment in companies, we plan to make directsupport for the cash benefit for the medical treatment portion of

Israel, Tokio Marine & Nichido has been

Karada no Kimochi (“How my body feels”) service provided by docomo

offering the N Program since 1991. This is

Healthcare, Inc. from June 2013. Specifically, when the input data

a medical residency program to promote

uncovers a change in body condition, the customer is encouraged to see

exchange between the two countries ina doctor and receives a cash benefit when medical advice and treatment

the medical field by dispatching every

are received from a qualified medical professional. In this way, it provides

year young Japanese doctors with thesupport that ensures a sense of security. The service has a high level ofdesire to gain clinical experience in thesocial significance because of its link to prevention and early detection

United States.

of breast cancer and uterine cancer, two serious illnesses affecting
women for which early detection efforts are lagging behind in Japan.

In general, people wishing to experience clinical training in the United States are selected by way of1This service was recognized by the Celent Model Insurer Asia Awards 2014* by Celent, a U.S. researcha nationwide recruitment system. The N Program is handled differently, however, and has becomeand consulting firm specialized in the financial field. It also received an excellent award in the Nihon
2
Service Award Fiscal 2015* hosted by the Service Productivity & Innovation for Growth Council.

an invaluable program for young Japanese doctors who want to undergo clinical training at an
educational hospital in the United States. The N Program has made remarkable progress thanks toCore Theme 1 /Providing Safety and Security

In collaboration with Mount Sinai BethGovernance■ N Program to Support Young Physicians to Gain Clinical Experience in the United States

Tokio Marine & Nichido conducted joint planning and development

Tokio Marine Group's CSR■ Joint Planning and Development Support for docomo Healthcare’s Karada no Kimochi

the cooperation of teachers at U.S. medical institutions and the efforts of residents who participatedas trainee physicians. To date, the total number of trainees and graduates of this program has grown
to over 180.
N Program (in Japanese)

docomo Healthcare: Karada no Kimochi (in Japanese)Core Theme 2 /Protecting the Earth*1 The Celent Model Insurer Asia Awards are the Asia category of the Celent Model Insurer Awards, an internationally highprofile award program in the insurance industry. Every year, it recognizes insurers for their effective use of information
technology in insurance.
*2 The Nihon Service Award is the first award program in Japan to evaluate diverse services across different industries byusing common evaluation criteria and recognize excellent services.

Core Theme 3 /Supporting People
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Tokio Marine Group's CSR

Nurturing Generations Responsible for the Future
Tokio Marine Group is promoting social contribution through the establishment of foundations to

1. Foundations

nurture generations responsible for the future with the aim of developing youth and promotingworldwide who volunteer to deliver lesson programs and environmental education as well as withlocal and social action volunteers and NGOs. We also provide support to charity organizations.

Relevant goal

4. Quality ed-ucation

Relevant target
4.1 Ensure that all girls and boys complete free,equitable and quality primary and secondary
education
4.6 Ensure that all youth and a substantial
proportion of adults, both men and women,
achieve literacy and numeracy

Description of related
content
Ashinaga Charity & Walk

Tokio Marine & Nichido Educational Development Fund, established in 1984, offers assistance toelementary school and junior high school children orphaned through traffic accidents and for
educational research by educators.

Participating in Room
to Read’s Educational
Support Program in
Developing Countries

8. Decent work and economic
growth

8.6 Substantially reduce the proportion of youth
not in employment, education or training

Participating in Room to
Read’s Educational Support
Program in Developing
Countries❖ Section composition

Overview and Activities of Each Foundation

1. Foundations >>Tokio Marine & Nichido promotes social contribution activities through three foundations withsuch aims as helping young people grow, encouraging international cultural exchange andpromoting sports in the local community.

Foundation Name

Scholarships awarded: 128
Research assistance: 8 projects

Tokio Marine & Nichido Educational
Development Fund

Provides assistance for educatorsand to children orphaned throughtraffic accidents

Financial assistance for education andresearch: 1,386
Scholarships for children orphaned
through traffic accidents : 112

The Tokio Marine Sports Foundation

Promotes sports activities in local
communities

Number of persons using Nasu Sports Park :56,969Number of persons using Toda Boathouse:
4,652

Tokio Marine Kagami Memorial Foundation scholarships for exchange students from ASEAN nations (in Japanese)

Tokio Marine & Nichido Educational Development Fund (in Japanese)
The Tokio Marine Sports Foundation youth exchange project through sports activities (in Japanese)102

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4. Donations and Other Support >>Tokio Marine Group works to promote sports, support orphans of traffic accidents and educate
youth in different countries around the world through our backing of international and domestic
NGOs and charity organizations.

Tokio Marine Kagami Memorial
Foundation

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3. Local Community and Social Contribution Activities >>Through its employee volunteers, Tokio Marine Group supports orphans and cooperates with theproliferation of Child Line together with educational NGOs like Ashinaga.

Activities in Fiscal 2018

Core Theme 3 /Supporting People

2. Awareness-Raising Activities >>We encourage children who will lead the next generation to think about environmental
issues and disaster preparedness through our lesson program delivered to schools and otherenvironmental initiatives.

Summary• Provides scholarships andeducational training assistance tostudents at Japanese universities
and graduate school exchange
students from ASEAN nations• Provides academic research aid
and earthquake research aid toyoung social science researchers

Core Theme 2 /Protecting the Earth

The Tokio Marine Sports Foundation was established in 1937 with the aim of promoting sports
activities among the public to help bring bright and enriched lives to the people of Japan. The two
facilities owned by the foundation, Nasu Sports Park and Toda Boathouse (a water sports facility),
are used by a wide range of groups from young children to senior citizens. The foundation is also
involved in local support exchange events planned by members of Tokio Marine & Nichido’s sports
teams and charity concerts given by the company’s orchestra.

Ashinaga Charity & Walk

Core Theme 1 /Providing Safety and Security■Social Contribution Activities through Foundations
Tokio Marine Kagami Memorial Foundation was established in 1939 and initiated a scholarshipprogram in 1941. The foundation provides scholarships to students at Japanese universities andgraduate school exchange students from ASEAN nations and assists academic studies by researchers.

❖Relation between written content and SDGs

Governance

Tokio Marine & Nichido promotes social contribution activities through three foundations with suchaims as helping young people grow, encouraging international cultural exchange and promoting
sports in the local community.

sports. In addition, we implement local social contribution activities in conjunction with employees

about ways to operate the bakery successfully over along period, including how to use insurance. The lesson

issues and disaster preparedness through our lesson programs delivered to schools and othersimulates responses to various risks associated with owningenvironmental initiatives.

a business, enabling the students to discover issues forthemselves and solve them collaboratively. From fiscal 2017,■ Holding Aerospace Classes with the Local Community to Nurture People Interested

the program is being expanded throughout Japan, with ain Aerospacecumulative total of 1,220 people receiving career education to date.

advancement of local economies and society by actively■ Programs for Children (Delivery of Lesson Programs and Environmental Education)

participating in regional revitalization efforts.

We encourage children who will take the lead in the next generation to think about environmental
issues and disaster preparedness through our lesson programs delivered to schools and other

Going forward, further growth is expected in the Tokaienvironmental initiatives.

region, where the aerospace industry is concentrated.
Disaster Prevention Lessons

students that provide education and include experiments related to aerospace. The idea behind theGreen Lessons: The Mangrove Story

initiative is a desire to increase the opportunity for children to become interested in aerospace sinceChildren’s Environmental Award and Iriomote Island Eco Experience Tour

it is the younger generation who will bear responsibility for the future of the aerospace industry.
The project makes use of know-how accumulated in risk management relating to the aerospace

3. Local Community and Social Contribution Activities

industry and of our own industry-government-academia network built on ties with Aichi Prefecture
includes contribution to human resources development.

proliferation of Child Line together with educational NGOs like Ashinaga.

In August 2018, an aerospace class was held at the Gifu-Kakamigahara Air and Space Museum, which■Ashinaga Charity & Walk

let a total of 60 elementary and junior high school students have a simulated experience of theTokio Marine & Nichido and Meiji Yasuda Life Insurance

training and missions of astronauts. By providing a venue to generate more aerospace-related humanCompany jointly held a charity walk event, Ashinaga Charity &resources in the Tokai region, the classes are expected to contribute to the advancement of Japan’s

Walk. From Tokio Marine & Nichido, a total of 1,550 employees

aerospace industry.

and their families participated in this event at 67 venues
across the country. A portion of their participation fees was■ “Group Work on Managing Risks and Opportunities”: Career Development Programused to support orphans as described below.

for Junior High and High School Students(1) Donated to Ashinaga to be used for the following purposes to support orphans:

universities, NPOs and educators to develop its own career education program using card games• Construction and operation of Tohoku Rainbow House, a healing space for children orphaned by theand teamwork activities. In the program, “Group Work on Managing Risks and Opportunities,”

Great East Japan Earthquake103

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Career education has never been more important. Tokio Marine Group has collaborated with

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Through its employee volunteers, Tokio Marine Group supports orphans and cooperates with theCore Theme 3 /Supporting People

and Nagoya University, and has been made possible owing to our community-based work that

Core Theme 2 /Protecting the Earth

Tokio Marine & Nichido has been running aerospace classes for elementary and junior high school

Core Theme 1 /Providing Safety and Security

Tok io Marine & N ichido aims to contribute to theGovernanceWe encourage children who will take the lead in the next generation to think about environmental

Tokio Marine Group's CSR

students become owners of a bakery and have to think

2. Awareness-Raising Activities• Support for Ashinaga’s scholarships for international students

content into this program to ensure children could understand the lessons without getting bored.

(2) Allocated as financial assistance to orphans living in prefectures affected by the Great East Japan

This included using easily understandable materials using pictures and drawings, explanations that

Earthquake through donations to orphan support funds

incorporated gestures and impersonations and student participation using a quiz format.

■Supporting Child Line Support Center Japan

As of the end of fiscal 2018, around 1,100 children in the regions of Shanghai and Sichuan, Henan and

Tokio Marine & Nichido has invited the specified NPO Child Line

Zhejiang provinces had received the lessons on a total of 16 occasions.

Support Center Japan to give a lecture about the organization’s
activities every year since 2012. They discuss some of the

Educational Assistance for Children of Migrant Workers in China

anxieties and other issues brought up by youths throughSince 2009, Tokio Marine Group has been collaborating with the All-China Youth Federation toChild Line, a dedicated phone line that children can call free ofsupport children of migrant workers (children living in farming villages while their parents work incharge from anywhere in Japan. After this, Tokio Marine Groupthe city). We have established support facilities in over 300 locations throughout China, and Group

employees serve as volunteers for delivering cards inscribed

employees engage in various volunteer activities every year.

with the Child Line telephone number to children. Employees from Tokio Marine Asset Management
and Tokio Marine Business Support volunteer for sending the cards to the children.

Core Theme 1 /Providing Safety and Security

Prevention Lessons for elementary schools and junior high schools. We incorporated original

Governancematerials from scratch in consideration of the characteristics of disasters in China and held Disastereducational institution

Tokio Marine Group's CSR• Scholarship loans for orphans who want to attend high school, university, junior college or other

In June 2018 some 21 employees undertook volunteer efforts at an elementary school in Liupanshui
was a meaningful interchange that included disaster preparedness lessons based on the themes offire and earthquake with around 22 children on the school grounds and in the classroom.

■Disaster Education Support for Children in China
Tokio Marine & Nichido (China) has been highly praised by a local Communist Youth League for

In 2016 Disaster Prevention Lessons were extended beyond Japan, as this program also commenced

providing the disaster preparedness lessons, which include using a pencil board, a new addition toat The Tokio Marine & Nichido Fire Insurance Company (China) Limited. In China, the concept ofthe lessons.

preparing for a fire or natural disaster still has not firmly taken root in society. For this reason, it isnecessary to raise disaster prevention awareness of society as a whole. We developed our educationalCore Theme 3 /Supporting People

Disaster Prevention Lessons in China

Core Theme 2 /Protecting the Earth

City, Guizhou Province, in China, beginning with Kunio Ishihara, advisor at Tokio Marine & Nichido. It
Child Line (in Japanese)

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this serious food imbalance, the TABLE FOR TWO initiative was launched in Japan in fall 2007. The

Tokio Marine Group works to promote sports, support orphans of traffic accidents and educate youth

amount of 20 yen donated from every lunch is equal to one school meal in developing countries.

in different countries around the world through our backing of international and domestic NGOs andThus, the name “TABLE FOR TWO” came from the idea that each of us in a developed country shares acharity organizations.

table with one child in a developing country. We are having lunch together, beyond time and space.

Nisshin Fire has continued to support children who have lost one or both of their parents in traffic

Employee cafeteria at the head office

2008.

MethodPurchasing a 580-yen TABLE FOR TWO lunch (680-800 kcal) automatically donates 20
yen through the NPO TABLE FOR TWO International, which will be used to buy school
meals for children in developing countries

Going forward, the company will continue supporting children orphaned in traffic accidents throughthis NPO.

TABLE FOR TWO■Participating in Room to Read’s Educational Support Program in Developing Countries

Tokio Marine & Nichido started providing support to the Japan

Tokio Marine & Nichido has participated in the educational

Swimming Federation as one of the initiatives undertaken to

support effort led by the international NGO Room to Read

commemorate its 110th anniversary in 1989. Specific efforts

since fiscal 2010. Over the eight years from fiscal 2010

include ser ving as a special sponsor of the National JOC

to fiscal 2018, the company donated about US$100,000

Junior Olympic Cup Swimming Tournament held twice a year

annually, providing educational support for a total of about

and providing support for the costs of attending overseas

2,090 girls to help them attain independence in the futurecompetitions and training camps for Junior Olympic athletes. The company contributes to the healthy

and offering a study environment for children by opening 23

development of young people who will represent the future by promoting swimming.

reading rooms in India, Bangladesh and Vietnam.
For girls not attending school for economic reasons or because they are tied to household duties as

Swimming Support Site “Forever, with Swimming” (in Japanese)a result of their parents’ lack of understanding, the program offers financial aid for tuition fees andendeavors to convey the importance of education to their families through home visits. These efforts
have allowed girls to continue their education, with many achieving excellent performance in their

Balance in the World

schoolwork to make their dreams a reality.

Tokio Marine & Nichido participates in the TABLE FOR TWO initiative and has been offering a TABLE
India, Bangladesh and Vietnam are three mangrove planting regions covered under the company’s

FOR TWO menu in the employee cafeteria at its head office.

ongoing Mangrove Planting Project initiated in 1999. Through the Mangrove Planting Project and
TABLE FOR TWO is an initiative to donate a part (usually 20 yen) of the price of a lunch offered in a

educational support program, Tokio Marine & Nichido thus carries out the dual-purpose global social

company cafeteria to school meal programs in developing countries.

contribution activities of nurturing both trees and people.

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International NGO Room to ReadOf the total world population of almost seven billion, one billion people suffer from hunger while

CSR Management■Participating in the TABLE FOR TWO Charity Initiative Aimed at Achieving an Optimal Food

Core Theme 3 /Supporting People

Go! Go! Junior Swimmers! (in Japanese)Core Theme 2 /Protecting the Earth■Serving as a Special Sponsor of the JOC Junior Olympic Cup Swimming TournamentCore Theme 1 /Providing Safety and Security

Location

accidents through the NPO Association for Assistance to Children Orphaned in Traffic Accidents since

Governance

Overview of TABLE FOR TWO in Tokio Marine & Nichido■Cooperating with the NPO Association for Assistance to Children Orphaned in Traffic Accidents

Tokio Marine Group's CSR

another billion are experiencing obesity and other diet-linked, lifestyle-related diseases. To eliminate

4. Donations and Other Support

Tokio Marine Group aims to create a symbiotic society for everyone both socially and economically,

1. Building a Society in Which the Elderly Can Live with Peace of Mind

irrespective of age, gender or disability. To this end, employees around the world are proactively

Tokio Marine Group conducts activities, both business-based and social contribution-based, thatin conjunction with NGOs. In view of rising social interest in sexual minorities, we have been re-support the safety and security of the local community and families, including the development ofevaluating our products.

tools to explain products that reflect the opinions of elderly people and volunteering for the elderly❖ Relation between written content and SDGs

and persons suffering from dementia.

10. Reduced inequalities

Relevant target
10.2 Empower and promote the social, economic
and political inclusion of all, irrespective of age,sex, disability, race, ethnicity, origin, religion or
economic or other status

Description ofrelated content■Descriptive Leaflets
Insurance Leaflets in a Larger Size and a Reader-Friendly Font for Four Main Products (AutoInsurance, Fire Insurance, Medical Insurance and Super Insurance)

All content
in general

In response to the comments Tokio Marine & Nichido received from elderly customers that letters on
its leaflets are too small to read, the company increased the sizeof leaflets of four mainstay products, namely the Total Assist series❖ Section compositionof auto insurance, home insurance, medical insurance (fixedamount accident insurance) and Super Insurance, from A4 size to

Tokio Marine Group undertakes social activities for the elderly and persons suffering fromA3 size. These leaflets also feature a reader-friendly font and seek

dementia as part of volunteer activities supporting the safety and security of the local

to boost ease-of-understanding for many customers, including

community and families.

elderly people and persons with disabilities.
■Contributing to the Creation of Communities That Understand Dementia

2. Building a Society That Transcends Disabilities >>Core Theme 2 /Protecting the Earth

1. Building a Society in Which the Elderly Can Live with Peace of Mind >>Core Theme 1 /Providing Safety and Security

Relevant goal

Governanceworking on activities that support the elderly, the deaf and blind, athletes and expectant mothers

Tokio Marine Group's CSR

Aiming to Create a Symbiotic Society~ Courses to Foster Support for Dementia Care ~Tokio Marine Group provides support for the Million-Supporter

Association and supports sports for disabled persons through the Japanese Para-Sports

Caravan for Dementia, which is promoted by the Ministry of

Association, Japan Inclusive Football Federation and Special Olympics Nippon Foundation.

Health, Labour and Welfare and the nationwide Caravan Mate
Liaison Council, and conducts courses to foster support for
dementia care as a volunteer activity to support the safety
and security of local communities and families. With the

Tokio Marine & Nichido respects the diverse family structures of customers and is working in aultimate goal of creating neighborhoods where people withphased manner to treat same-sex partners also as “spouse.”dementia and their families can live with peace of mind, theprogram is designed so that employees who take the course

4. Donations >>have the correct knowledge about dementia to share withfriends and families as well as support and give compassionate

Foundation for Severely-Ill Children and Their Families.

consideration to people with dementia and their families inwork and private life.

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Tokio Marine Group supports the NPOs Himawari no Kai, Sawayaka Welfare Foundation and

CSR Management

3. Building a Society in Which Everyone Can Live Securely Free of Gender >>Core Theme 3 /Supporting People

Tokio Marine & Nichido supports deaf and blind persons in conjunction with the Japan Deafblindattendees watched a DVD, listened to a lecture given by an employee (called a “caravan mate”) who

in the course of its core call center business and employees serve

has received special training on this subject and participated in a role-playing session. As of Marchas volunteers for making regular calls to the elderly as part of a2019, a total of around 5,600 Group company employees have participated in this educational
program and become supporters for dementia care. We intend to promote this program further, as it

service confirming their safety being implemented by Shinagawa
Ward’s “Sasaeai Hotto Station”*. Employees make regular phone

gives us a good opportunity to deepen our understanding of the aging population and dementia andcalls to the homes of users living in Shinagawa Ward, and if

think about how we accordingly deal with our customers and our own families.

there is no answer or they detect an abnormal change during
the conversation, they immediately report it to “Sasaeai Hotto Station” so that the situation can be

Million-Supporter Caravan for Dementia (in Japanese)

handled as smoothly as possible. In 2018, the volunteer service was implemented 48 times following
calls. In July 2018, the service was reported in a public relations magazine for Shinagawa Ward called

Tokio Marine & Nichido invited employees of Tokio Marine Nichido Better Life Service as lecturers andKoho Shinagawa, showcasing an example of a company’s employees actively participating in society.

held a Seminar on Caregiving Skills at its head office. It is a basic seminar on caregiving skills, which

This project will continue to be carried out as a means of contributing to the local community.

aims to make participants “persons who can provide a little bit of help” when dealing with the elderly*A consultation service established by Shinagawa Ward to ease the anxieties of elderly persons living alone and other residents
so that they can continue living in a familiar environment

and people with disabilities.
Seven employees from Tokio Marine & Nichido and Group companies participated in the seminar. In

Core Theme 1 /Providing Safety and Security

expansion of the service area and the yearly rise in the number of users to whom they make phone■Holding a Seminar on Caregiving Skills

GovernanceThe company utilizes its excellent phone response skills amassed

Tokio Marine Group's CSR

During the one-and-a-half-hour program conducted in each work department, mainly in Tokyo,

2. Building a Society That Transcends Disabilities

addition to an elderly simulation program to experience elderly people’s vision, hearing and other

Tokio Marine & Nichido supports deaf and blind persons in conjunction with the Japan Deafblind

assistance and taught participants simple sign language and Braille. Many participants felt ready and

Association and supports sports for disabled persons through the Japanese Para-Sports Association

eager to help the elderly and persons with disabilities.

and Special Olympics Nippon Foundation.
■ Collaboration with the Japan Deafblind Association
impairments across the country. Their activities include dispatching sign language interpretersand helpers, training interpreters and publishing a biannual magazine for the hearing and visually
impaired. Tokio Marine & Nichido has been a supporting member of the association since 2008. At
the association’s annual national conference, which is held for the purpose of promoting exchange

Learning Braille

helpers, employees working in offices and branches in■Activities Associated with an Elderly Watch Support Network Project

respective areas serve as volunteer staff to cooperate in

Tokio Marine Assistance concluded an agreement related to an elderly watch support network projectrunning the event. In fiscal 2018, about 15 employees fromin Shinagawa Ward, Tokyo, in November 2015 with the Shinagawa Ward Council on Social Welfare

the Chiba region provided support for the organization’s

and activities continue to this day. The project aims to create a system of support through mutual

27th national conference.

made available and inconveniences are kept to a minimum in the area they are familiar with living.

Japan Deafblind Association (in Japanese)107

CSR Librarycooperation to make life easier for elderly persons living alone. Neighborly consultation services are

CSR Management

among people with these impairments and improving the skills of sign language interpreters andElderly simulation programCore Theme 3 /Supporting People

The Japan Deafblind Association is engaged in activities to support people with hearing and vision

Core Theme 2 /Protecting the Earthphysical functions, the seminar provided tips on caregiving and points to be noted when giving

4. Donations

by Disabled Persons
Tokio Marine & Nichido supports the Tokyo 2020

Tokio Marine Group supports the NPOs Himawari no Kai, Sawayaka Welfare Foundation andOlympic and Paralympic Games as a Tokyo 2020 Gold

Foundation for Severely-Ill Children and Their Families.

Partner (non-life insurance). As for the Paralympic~ Supporting Himawari no Kai

overcome the challenge of disability and is enhancing
volunteer at sports events for the disabled. We started

supporting the NPO Himawari no Kai since 2011. Himawari no Kai is an NPO

sponsoring the Japanese Para-Sports Association

approved by the Cabinet Office, Government of Japan that was established(JPSA) in May 2016 and Japan Inclusive Footballin 1997 with the aim of assisting expectant mothers and their families. The

Federation (JIFF) in October 2016. Employees fromorganization’s most notable activity is increasing public recognition of its

around Japan conduct volunteer activities and go toMaternity Mark. Moreover, it hands out traffic safety stickers bearing thischeer on athletes at the Japan Para Championships,

mark to protect new mothers from traffic accidents. By supporting thewhich are sports events for disabled persons heldorganization, we will further contribute to the creation of local communities

regionally.

and society where expecting mothers and their families can live with peaceof mind.

Core Theme 1 /Providing Safety and Security

opportunities for employees to provide support andTokio Marine & Nichido and Tokio Marine & Nichido Life have been

Governance■Building a Society in Which Expectant Mothers Can Live with Peace of Mind

Games, the company supports athletes striving toTokio Marine Group's CSR■Building a Society That Transcends Disabilities ~ Learn About, Watch and Experience Sports

Himawari no Kai (in Japanese)■Building a Society in Which Anyone Can Take on Active Roles with the Special Olympics■Contributing to Building a New Society in Which All People Have a Close Rapport

with and without disabilities understand and respect each other’s differences and live and grow

~ Tie-Up with the Sawayaka Welfare Foundation

together, Tokio Marine & Nichido became an official sponsor of the foundation in fiscal 2005 and has
been supporting its activities by providing funds and volunteers. Additionally, Tokio Marine GroupThe Sawayaka Welfare Foundation forms a network with a number of volunteer organizations acrossundertakes a year-round volunteer activity to create good luck bracelets to show our support tothe country and works to build a system of mutual assistance in each local community with theathletes of the foundation. In 2018, a total of 1,775 employees joined this activity.

ultimate goal of “building a new society in which all people can develop a close rapport with eachfoundation.
National volunteer network information of the Sawayaka Welfare Foundation (in Japanese)

3. Building a Society in Which Everyone Can Live Securely Free of Gender■Re-evaluating Products Corresponding to LGBT*■ Supporting KidsFam in Building a Society in Which Severely Ill Children and their Families
Can Live with Peace of Mind

include same-sex partners in the definition of “spouse” for products that provide coverage for families

Tokio Marine & Nichido supports the activities of the Foundation for Severely-Ill Children and Theirand married couples. We respect the diverse family structures of our customers and will provide

Families (KidsFam). KidsFam reaches out to children requiring medical care due to severe illness

products that can be helpful in times of need.

or disability and their families. It undertakes a variety of support programs, conducts advertising,awareness-raising and training activities and disseminates relevant information aimed at building a* LGBT is a general term that refers to sexual minorities and is derived from the first letters of the words lesbian, gay, bi-sexual andtransgender.

the KidsFam website.
KidsFam (in Japanese)108

CSR Librarysociety in which they can live with peace of mind. For details, please refer to the activities outlined on

CSR Management

In view of rising social interest in sexual minorities, Tokio Marine & Nichido is working gradually toCore Theme 3 /Supporting People

other.” Tokio Marine & Nichido empathizes with this organizational philosophy and partners with theCore Theme 2 /Protecting the EarthIn support of the Special Olympics Nippon Foundation’s vision of creating a society where people

Tokio Marine Group's CSR

CSR Management

Governance

CSR Materiality (Material Issues)

Promoting Environmental Management >>• Grievance resolution (improving quality of products
and services)• Human resources development, diversity and inclusion
and labor practices• Health and productivity management• Reduction of environmental footprint

Tokio Marine Group consumes a considerable amount of paper and energy in its businessactivities. In order to reduce this environmental impact as much as possible, we constantly
promote initiatives that contribute to the creation of a sustainable future.

Promoting Health and Productivity Management >>Our efforts toward this goal are founded on our remaining a corporate group that provides thebest value to customers, offers healthy and rewarding workplaces for employees and causes lessenvironmental impact. Tokio Marine Group strives to strengthen this “foundation” by setting targets
and going through the plan-do-check-act (PDCA) cycle in accordance with our policies concerning
each material issue.

for employees.

To continue as a company that is trusted and chosen by customers, the physical and mental
health of employees, who will be the driving force behind our efforts, is an important topic for
us. Each Tokio Marine Group company has been making efforts to create an environment inCore Theme 2 /Protecting the Earth

Tokio Marine Group has provided “safety and security” to society and contributed to its developmentby making the most of our abundant knowledge and experience accumulated over the years in theinsurance industry. In the future as well, we will work to solve various social issues and continuously
raise the Group’s corporate value while contributing to a safe, secure and sustainable future. By doing
so, we aim to become a “Good Company” that is trusted by all people and society.

Core Theme 1 /Providing Safety and Security

In order for Tokio Marine Group to earn the trustof all people and society and achieve sustainablegrowth, we need to reinforce our structure forresilient, sound and highly transparent CSR
management as a global insurance group and as
our responsibility to customers, employees andthe global environment.

which employees can work with enthusiasm by providing both physical and mental health care

expansion, Tokio Marine Group is working to develop human resources who bring forth a

Improving Quality from the Customer’s Perspective >>positive cycle of growth and performance/work and life with a focus on expertise, diversity and a

Aiming to become “a company that delivers sustainable growth by providing safety and security

global perspective. Management relating to the development and utilization of human resources

to customers and by always remaining their first choice,” Tokio Marine Group takes feedback fromthroughout the Group is controlled by the Group CHRO (Chief Human Resources Officer). The

customers seriously and works to improve the operational quality on a constant basis. We strive

CSR Management

In order to maximize the potential of our human resources in supporting global businessCore Theme 3 /Supporting People

Developing and Utilizing Diverse Human Resources >>implementation status is monitored via the Board of Directors and Management Meetings ofrespective Group companies.

order to truly provide safety and security from a customer standpoint.

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to build trust-based partnerships with agents and improve our operational quality together in❖ Section composition

Aiming to become “a company that delivers sustainable growth by providing safety and security
to customers and by always remaining their first choice,” Tokio Marine Group takes feedback frombuild trust-based partnerships with agents and improve our operational quality together in order totruly provide safety and security from a customer standpoint.
❖ Relation between written content and SDGs
Relevant target

2. Customer-Oriented Business Conduct Policies >>To more thoroughly carry out customer-oriented insurance business while remaining close tocustomers and keeping an acute awareness of their diversifying needs, Tokio Marine & Nichido,
Tokio Marine & Nichido Life and some other Group companies have formulated and announced
their respective policies on customer-oriented business conduct and have been working withagents to promote specific initiatives under these policies. We will review our policies on aperiodic basis to constantly realize better business conduct, thereby earning the lasting trust ofcustomers.

Description of related
content
Establishing a foundation

3. Good health and well-being

3.6 Halve the number of global deaths andinjuries from road traffic accidents

to provide products andservices for building a securesociety by leveraging traffictechnology innovation

Establishing a foundation to

11. Sustainable cities andaccessible and sustainable transport systems

communities

for all, improving road safety, notably by
expanding public transport

3. Response to Customer Feedback >>Based on the Group’s common standards related to customer feedback, each company of Tokio
Marine Group has formulated a response policy in order to develop a structure to utilize thisfeedback for improving products and services.

provide products and services
for making society resilient
to natural disasters and forbuilding a secure society byleveraging traffic technology
innovation

to provide products and12. Responsible consumption andproduction

12.2 Achieve the sustainable management

services for building a secureand efficient use of natural resources

society by leveraging traffic

12.8 Have the relevant information andtechnology innovation andawareness for sustainable development and for building a secure society
lifestyles in harmony with natureby responding to varying
lifestyles and changes in

13.1 Strengthen resilience and adaptive
13. Climate action

capacity to climate-related hazards andnatural disasters

Establishing a foundation toprovide products and services
for making society resilient tonatural disasters

16.5 Substantially reduce corruption andCustomer Feedback Response

institutions

bribery in all their forms

Policy110

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16. Peace, justice and strong

6. Education and Training Systems for Agents >>In order to meet customer expectations and earn their trust so that customers are able toconsult us about insurance with confidence, each Tokio Marine Group company formulates andestablishes educational programs and training systems for agents.

CSR Management

5. Working Together with Agents to Improve Quality >>Tokio Marine Group endeavors to build partnerships based on trust and improve the operational
quality through smooth communication with agents.

societyCore Theme 3 /Supporting People

4. Quality Improvement Initiatives >>Tokio Marine Group continuously promotes the enhancement of quality from a customer
standpoint in accordance with the Group’s Corporate Philosophy: “Through the provision of thehighest quality products and services, Tokio Marine Group aims to deliver safety and security to
all its customers.”

Establishing a foundation

Core Theme 2 /Protecting the Earth

11.2 Provide access to safe, affordable,

Core Theme 1 /Providing Safety and Security

Relevant goal

Governance

1. Basic Policies for Protection of Customers’ Interests >>Tokio Marine Group establishes basic policies for the protection of customers’ interests anddevelops a system to thoroughly promote being customer-oriented and to pursue various
aspects including customer protection.

customers seriously and works to improve the operational quality on a constant basis. We strive to

Tokio Marine Group's CSR

Improving Quality from the Customer’s Perspective

Tokio Marine Group establishes basic policies for the protection of customers’ interests and develops

Business Conduct Policy 5: Management of transactions involving conflicts of interesta system to thoroughly promote being customer-oriented and to pursue various aspects including

In accordance with the Tokio Marine Group Policies for Managing Prevention of Transactions

customer protection.

Involving Conflicts of Interest and through compliance with these policies by directors, officers andemployees, Tokio Marine & Nichido will work to manage transactions involving conflicts of interest to

In addition, in accordance with the Tokio Marine Group Policies for Managing Prevention of

ensure that clients’ interests are not unduly harmed.

officers and employees, Tokio Marine & Nichido will work to manage transactions involving conflicts■Tokio Marine & Nichido Life Customer-Oriented Business Conduct Policies

of interest to ensure that clients’ interests are not unduly harmed.

Business Conduct Policy 1: Business conduct utilizing customer feedback
Tokio Marine & Nichido Life regards it as extremely important that all employees and agents seriously
take feedback from customers, including complaints, requests and suggestions, and meet their
expectations. The company has accordingly formulated its customer feedback response policy and2. Customer-Oriented Business Conduct Policies

will work to make its business conduct even more customer-oriented.

To more thoroughly carry out customer-oriented insurance business while remaining close to
Business Conduct Policy 2: Insurance solicitation

Tokio Marine & Nichido Life and some other Group companies have formulated and announced their• Tokio Marine & Nichido Life will work to develop life insurance products and services matchedrespective policies on customer-oriented business conduct and have been working with agents toto customer needs while also paying attention to social and economic trends and changes in the

promote specific initiatives under these policies. We will review our policies on a periodic basis tobusiness environment.

constantly realize better business conduct, thereby earning the lasting trust of customers.

• Tokio Marine & Nichido Life will deliver security by providing custom-tailored solutions that meetincreasingly diverse customer needs and protect customers and their families.

■Tokio Marine & Nichido Customer-Oriented Business Conduct Policies• Tokio Marine & Nichido Life will implement initiatives to provide detailed information on products

Business Conduct Policy 1: Business conduct utilizing customer feedback

and explain them in a thorough manner to customers and have them confirm, based on a correct

Under its corporate philosophy of placing customer trust at the base of all its business activities, Tokiounderstanding of the products, that our solutions match their needs and purposes.
Business Conduct Policy 3: Follow-up services and payment of insurance claims and benefits

company will pursue customer-oriented business conduct according to the policy.

Recognizing that paying insurance claims and benefits is one of the most basic and important

Business Conduct Policy 2: Insurance solicitation

responsibilities of an insurance company, Tokio Marine & Nichido Life will make sure to explain policy

Tokio Marine & Nichido will work to provide appropriate products and services based on a correct

and other details to all customers and make swift and accurate payments, working always from aunderstanding of risks facing customers and their needs and purposes while providing necessary

customer standpoint. The company will also set up a system to provide follow-up services to elderly

information when concluding an insurance contract.

customers to ensure that they will make claims for which they are entitled to without omissions.

Business Conduct Policy 3: Payment of insurance claims (claims service)
To be of help to customers in times of need, remain by their side while correctly understanding theirBusiness Conduct Policy 4: Initiatives to instill these policies

situations and positions and respond to their trust, Tokio Marine & Nichido will work to ensure theIn order to encourage employees, agents and direct sales employees (“Life Partners”) to act inquality of its claims service and make swift and appropriate claims payments.

a customer-oriented manner in all business conduct, Tokio Marine & Nichido Life will establish
business conduct policies among them.

111

CSR Librarynecessary evaluation and training programs and continue to implement initiatives to instill theseBusiness Conduct Policy 4: Initiatives to instill these policies

CSR Management

and agents to take customer feedback seriously and use it proactively in corporate activities. The

Core Theme 3 /Supporting People

Marine & Nichido has formulated a customer feedback response policy to encourage employees

Core Theme 2 /Protecting the Earthcustomers and keeping an acute awareness of their diversifying needs, Tokio Marine & Nichido,Core Theme 1 /Providing Safety and Security

Under its corporate philosophy of placing customer trust at the base of all its business activities,
Tokio Marine Group Policies for Managing Prevention of Transactions Involving Conflicts of Interest

GovernanceTransactions Involving Conflicts of Interest and through compliance with these policies by directors,

Tokio Marine & Nichido will provide training programs and promote initiatives to instill these business

Tokio Marine Group's CSR

conduct policies in agents and employees so that they will always act in a customer-oriented manner.

1. Basic Policies for Protection of Customers’ Interests

In accordance with the Tokio Marine Group Policies for Managing Prevention of Transactions Involving

Customer surveys and feedback received directly from customers

Conflicts of Interest and through compliance with these policies by directors, officers and employees,

by employees and agents lead to quality improvements in terms

Tokio Marine & Nichido Life will work to manage transactions involving conflicts of interest to ensureof products, services and other aspects. For example, Tokiothat clients’ interests are not unduly harmed.

Marine & Nichido, Nisshin Fire and Tokio Marine & Nichido Life
enter such feedback into a central management system that is set
up on their respective intranets for later analysis. This feedback

In order to ensure future payments of insurance claims and benefits, Tokio Marine & Nichido Lifeis then utilized for the said improvements. Additionally, Tokiowill conduct asset management while paying due consideration to the distinctive characteristics ofMarine & Nichido conducts regular meetings with external

insurance contracts and by applying appropriate risk control.

advisors and consumer monitors in order to receive advice fromthe perspective of consumers. These activities have translated
into various improvements, including easier-to-understand3. Response to Customer Feedback

notices and documents.

Based on the Group’s common standards related to customer feedback, each company of Tokio< Initiatives in Compliance with ISO 10002>

Marine Group has formulated a response policy in order to develop a structure to utilize this feedback

As a means of standardizing the response to customer feedback companywide, Tokio Marine &for improving products and services.

Core Theme 1 /Providing Safety and Security

Business Conduct Policy 6: Asset management

Governance■Structure to Make Improvements Based on Customer Feedback

Tokio Marine Group's CSR

Business Conduct Policy 5: Management of transactions involving conflicts of interest

Nichido and Tokio Marine & Nichido Life have established operation systems in conformity with ISO
these two companies were the first in the domestic financial industry to verify compliance with theCritical opinions and demands as well as compliments from customers are valuable assets for us to

ISO 10002 standard in June 2007 and subsequently made an external announcement in July. Under

provide more quality services to customers. Based on the Group’s basic policy related to customer

these operation systems, we will continuously strive to enhance the quality of operations in terms of

feedback, each company of Tokio Marine Group has formulated a response policy in order to develop

products, services and other relevant aspects based on customer feedback. Nisshin Fire also made aa structure to utilize customer opinions for improving products and services.

Core Theme 2 /Protecting the Earth

10002, the international standard for management of the complaints handling process. Additionally,■ Customer Feedback Response Policy

self-declaration of compliance with the ISO 10002 standard in July 2008.
■ Listening to Customer Feedback
Each Tokio Marine Group company actively listens to customer feedback through various means

Tokio Marine & Nichido sincerely accepts and actively applies customer feedback to its

such as customer surveys, telephone calls from customers, company websites and information

corporate activities with customer trust as the basis of all of its business activities.

gathering via agents and sales personnel. From the perspective of enhancing the transparency of
initiatives regarding customer feedback, the number of feedback comments received, details of these(1) We will proactively accept and appreciate customer feedback.

comments and examples of products and services developed or improved based on such feedback(2) We will undertake company-wide initiatives to responsibly address customer feedback

are made public via company websites in greater detail.

through to the end.
(3) We will utilize customer feedback to enhance the quality of our operations, including

Tokio Marine & Nichido is conducting customer surveys regarding auto insurance, fire insurance andproducts and services.

to-understand explanations of details of coverage, premiums payments, rider services and important112

CSR LibrarySuper Insurance at the time of contract. The aim is to confirm whether the company is providing easy-(4) We will deliver greater safety and security based on customer feedback.

CSR Management

・Basic PolicyCore Theme 3 /Supporting People

Tokio Marine & Nichido Customer Feedback Response Policy・Basic Philosophy

Tokio Marine Group's CSR[Tokio Marine & Nichido Life]

terms. Tokio Marine & Nichido also asks for cooperation in surveys after paying insurance claims
to customers in order to obtain a wide range of opinions regarding responses to accidents. The
company constantly makes efforts to improve quality based on this customer feedback.

Governance

Tokio Marine & Nichido Life is obtaining customer feedback by enclosing surveys along with notices
regarding contract details, insurance policies and other relevant documents that are sent to allpolicyholders once a year.

during the contracting process and accident response services and works together with its agents toenhance the quality of its services to bring even greater satisfaction to customers.
<Structure for Listening to Customer Feedback>[Nissin Fire]Core Theme 2 /Protecting the Earth*An internal cross-sectional committee of
the Board of Directors composed of fulltime directors and general managers andestablished for the purpose of utilizing
feedback from customers to improve
operational quality[Tokio Marine & Nichido]Core Theme 1 /Providing Safety and Security

Nisshin Fire strives to identify customer needs through various surveys, for example, on staff responseCore Theme 3 /Supporting People
CSR Management
CSR Library113

［ Tokio Marine & Nichido Life］[ Tokio Marine & Nichido]
Oct. - Dec.
2018

Jan. - Mar.
2018

Fiscal2018

Number ofcomments

Number ofcomments

Number ofcomments

Number ofcomments

Total as ofMar. 2019

Policy and pamphlet related Policy and pamphlet details difficult to understand

434

295

412

375

1,516

Products and services related Requests for improving products and services, others

1,498

1,184

1,520

1,509

5,711

Subtotal: Products and services

1,932

1,479

1,932

1,884

7,227

1,217

1,103

997

1,067

4,384

338

205

266

276

1,085

1,555

1,308

1,263

1,343

5,469

Customer feedback
categories

Representative examples

Products and services

Contract renewal procedures Delays in sending renewal information, others
Explanation of contract details Insufficient explanation of contract details, others

Subtotal

79

58

100

57

294

Non-arrival of policy

Delay in sending of policy

41

37

63

33

174

1,238

1,074

1,103

1,075

4,490

229

241

213

163

846

1,587

1,410

1,479

1,328

5,804

Subtotal : Enrollment total

884

30
4,056

Delay in being contacted by staff,

Insufficient explanation about insurance claims payments

Advisability of payment

Subtotal

1,816

14,648100.0(Number of Comments of Dissatisfaction Only)

815

770

612

3
3,536

5
3,517

5
3,288

1,895

1,939

1,574

17
151

67

87
394

(5) Enrollment (conditions, restrictions, others)

2215(6) Error in insurance premium calculation

31

23(7) Staff interaction with customers

8253(8) Contents of forms and other documents (application forms, invoices, leaflets, others)

1520(9) Other

89

132

Subtotal

865892(1) Insurance policies not reaching customers or errors in policies

3629(2) Availability of payment in installments or account transfer

62

32

7,224

(3) Procedures for changing policies

256

326

248

295

3,081

43

2. Management and protection of contracts, collection of premiums

14,397

993

952

983

897

3,825

(4) Procedures for canceling policies

1,627

1,698

1,574

6,459

(5) Processing of maturity repayment (processing delay, amount repaid, others)

24(6) Staff interaction with customers

39

36

4,474

4,620

4,045

17,508

753

795

719

648

2,915

20

4

4

2

30

5,142

5,273

5,343

4,695

(7) Other

90

91

Subtotal

733

813(1) Amount of insurance claims paid

234

188

(2) Delay in response and method of response

649

605

(3) Advisability of payment

3045(4) Staff interaction with customers

384

254

3.Insurance claims

20,453

61

53

270

Others

70

59

72

14

215

11,275

10,428

10,925

9,934

42,562

4. Other (including complaints on the handling of personal information)

693

657

692

732

2,774

Total

1,094

1,068

1,533

1,129

4,824

13,062

12,153

13,15011,79550,160(5) Other
Subtotal

114

4

5

1,301

1,097

43

32

2,942

2,834

CSR Library81

Compliments

7
163
389

75

Dissatisfied Total

FY2018(4) Insufficient or erroneous explanation about policy details, conditions and others

Matters concerning personal information

Requests

Total

33.6

CSR Management

Subtotal: Total for insurance claims payments

4,924(3) Soliciting activities (not thoroughly confirming with customers their needs and purposes, others)

Insurance claims payments: Others
Matters concerning payment not corresponding to the above

10.7

Dissatisfied with after-service, etiquette and telephone response, others

1,560
4,369

Telephone response and visitation etiquette

1,562

Others(2) Contracting procedures (incomplete, delays, others)

Insurance claims payment: Response and etiquette
Response and etiquette

14.7
27.6

Core Theme 3 /Supporting People

Payment amount
Advisability of payment

2,159
4,041

(1) Product details (coverage, others)

Insurance claims payments: Insurance claims payment
Contacting and responses insufficient explanation of procedures

13.4

1. Contracting and soliciting activities

Enrollment: Others
Matters concerning enrollment not corresponding to the above

1,962

Insurance claims andbenefits related

Dissatisfied with explanations and with presentments on insurance
policy at time of enrollment, others
Dissatisfied with insurance premium payment methods andmodification procedures, others
Dissatisfied with contract details modifications, policyholder loans,cancellation procedures, others
Dissatisfied with payment procedures for insurance claims, benefits,maturity proceeds, others［Nissin Fire］

Enrollment: Response and etiquette
Response and etiquette Telephone response and visitation etiquette

New contract relatedCore Theme 2 /Protecting the Earth

Dissatisfied

Subtotal

Percent of
Total (%)

FY2017

Errors in listed policy details

Unable to make account transfers, others

Apr. 1, 2018–
Mar. 31, 2019

Total

Policy deficiencies

Modification procedures Delay in modification procedures, others

Principal Details of Feedback

Protection related

Enrollment: Contract management

Account transfers

Item

Receipt related

Enrollment: Contract procedures(Number of Comments of Dissatisfaction Only)

Core Theme 1 /Providing Safety and Security

Jul. - Sep.
2018

Governance

Apr. - Jun.
2018

Tokio Marine Group's CSR< Fiscal 2018 Number of Customer Feedback Comments>

■ Level of Satisfaction regarding
Overall Claims Services
Somewhat satisfied 1.4%

Customer Feedback (Fiscal 2018)■ Overall Level of Satisfaction
regarding Contract Procedures

Dissatisfied 0.9%
■ 十分である

Very dissatisfied

Neither satisfied
nor dissatisfied■ 十分である■ どちらとも言えない■ まあ十分である■ まあ十分である
該当する部門はない■■無回答■ 十分でない■ 該当する部門はない

0.9%

Somewhat satisfied

44.0%

Satisfied■ 十分である■ まあ十分である■ 該当する部門はない■ どちらとも言えない■ 無回答【Customer Feedback】■ あまり十分でない■ 十分でない

11.5%

Very satisfied

6.6%<Tokio Marine & Nichido>

Dissatisfied 2.0%

どちらとも言えない■■
あまり十分でない

国内関係会社

国内関係会社親会社

親会社■ あまり十分でないYour Drive Agent Personal rider that automatically reports an accident is only provided toindividuals enrolled in your auto insurance for standard, small and light motor vehicles for private
use. I want you to include more vehicle types and offer it for corporate insurance contracts.

Satisfied無回答■ 十分でない

無回答
国内関係会社

86.5%

親会社
海外関係会社【Response】

海外関係会社

For policies that start on and after January 1, 2019, we extended the scope to vehicles of all
purposes and types, except for two-wheeled motorcycles and motorized bicycles, and started

無回答
国内関係会社<Tokio Marine & Nichido Life: Level of Customer Satisfaction (Fiscal 2018) >■ Overall Level of Satisfaction
at the Time of Enrollment

海外関係会社

Neither satisfied nor
dissatisfied

親会社

available to vehicle models that can be fitted with our original driving recorder.

海外関係会社<Tokio Marine & Nichido Life>

親会社

Very dissatisfied + dissatisfied

0.6%

8.6%

(Overall Level of Satisfaction regarding
Contract Procedures, Product Details, etc.)

offering the rider for corporate insurance contracts. Please note, however, that the rider is only

国内関係会社
海外関係会社

国内関係会社

無回答【Customer Feedback】

無回答

I would like to use your policyholder loan system. Can you make it easier to use?

海外関係会社【Response】

親会社

Very satisfied + satisfied

We introduced Kantan Net De Tetsuzuki (Easy Online Procedures) in September 2018. Application

無回答

90.8%

■ 十分である■ まあ十分である■ 該当する部門はない■ 無回答■ どちらとも言えない

can be made by simply reading the QR code we send via postal mail to customers.

■ あまり十分でない■ 十分でない

海外関係会社<Nisshin Fire>

国内関係会社<Nissin Fire: Level of Satisfaction (Fiscal 2018)>【Customer Feedback】

親会社

I received a notice of the expiration of my compulsory auto liability insurance by postcard. I wanted■ Overall Level of Satisfaction regarding Accident Response Services
Very dissatisfied 無回答

0.8%

Neither satisfied nor
dissatisfied 3.9%
Satisfied

39.7%

Auto
Insurance■ 十分である■ まあ十分である■ どちらとも言えない■ あまり十分でない

0.3%海外関係会社

国内関係会社

国内関係会社■ 無回答■ 十分でない

Neither satisfied nor
dissatisfied 3.6%

親会社

Very satisfied

54.5%

Satisfied

39.4%

postcard did explain when to renew the policy but I didn’t see it because it was in tiny fonts.

無回答
Very dissatisfied

海外関係会社■ 該当する部門はない

Fire andAccident
Insurance【Response】
For policies that expire in and after July 2018, we started providing the statement “Customers
can start the renewal process for their compulsory auto liability insurance for small and light

親会社

Very satisfied

motorcycles that are not subjected to legally required vehicle inspections one month prior to the

55.8%

date of expiration shown on the right” in boldface.

Status of customer feedback: Respective Group company websites

Status of Customer Feedback: Respective Group Company Websites

海外関係会社

Tokio Marine & Nichido: Improvement examples based on customer feedback (in Japanese)

国内関係会社

Tokio Marine & Nichido: Number of customer comments received and customer survey results (in Japanese)

Tokio Marine & Nichido Life: Major and specific development and improvement examples based on

Tokio Marine & Nichido Life: Status of customer feedback (in Japanese)customer feedback (in Japanese)

親会社(in Japanese)115

CSR Library

Nisshin Fire: Examples of improvements that have been carried out based on customer feedback

Nisshin Fire: Response to customer complaints (in Japanese)

CSR Management

無回答

Core Theme 3 /Supporting People

Dissatisfied 1.1%

to renew the policy but couldn’t because it was more than a month before the expiration date. The

Dissatisfied 1.0%

Core Theme 2 /Protecting the Earth

無回答

Core Theme 1 /Providing Safety and Security

42.7%

Governance

Neither satisfied nor
dissatisfied 3.5%

■ 無回答

Tokio Marine Group's CSR■Main Examples of Items That Have Been Developed and Improved Based on<Tokio Marine & Nichido: Level of Satisfaction (Fiscal 2018 Auto Insurance)>

To ensure that customers request insurance claims payments andinsurance benefits without any omissions, Tokio Marine & Nichidoin accordance with the Group’s Corporate Philosophy: “Through the provision of the highest quality

Life provides information to customers regarding insurance

products and services, Tokio Marine Group aims to deliver safety and security to all its customers.”

claims payments and insurance benefits when they enter into

Governance

Tokio Marine Group continuously promotes the enhancement of quality from a customer standpoint

an insurance contract, during the contract validity period andwhen requesting insurance claims payments and insurance
benefits. Additionally, through such means as our website, we

Tokio Marine Group has earned high regard from its customers by providing products and services

ask customers to contact Tokio Marine & Nichido Life if they havethat are ahead of the times in accordance with the Group’s Corporate Philosophy: “Through the

any uncertainties about receiving insurance claims payments andprovision of the highest quality products and services, Tokio Marine Group aims to deliver safety

insurance benefits.

Guidebook on receiving insurance claims
payments and insurance benefits

and security to all its customers.” In the medium to long term, changes in living and business■Raising the Quality of Call Centersinnovation in the world will generate many new opportunities and risks. In response to the

To k i o M a r i n e G r o u p’s c a l l c e n t e r d e p a r t m e n t s

diversifying needs of both individual and corporate customers in connection with such new

implement a variety of initiatives for the purpose ofopportunities and risks, Tokio Marine Group will combine the capabilities of all Group companies andraising the quality of customer responses throughout

will do its best to provide new products and services that anticipate the changing times and extend

the Group’s call centers. In addition to mutually refining

beyond the framework of conventional insurance products and services in areas such as the financial,customer response skills by holding a “telephone

medical and consulting fields.

response contest,” we strive to maintain and upgrade■Anshin (“Reassuring”) Quality

the quality of customer responses based on the Contact
Center Standard for Tokio Marine*(CCST).

Core Theme 2 /Protecting the Earthenvironments resulting from frequent natural disasters, demographic shifts and technologicalCore Theme 1 /Providing Safety and Security■Tokio Marine Group’s Approach to Quality Improvement

Tokio Marine Group's CSR■Providing Information That Enables Customers to Make Claims without Any Omissions

4. Quality Improvement Initiatives

As an effort to meet customers’ expectations and gain their satisfaction, Tokio Marine & Nichido
Looking ahead, we will work to provide safety and security by striving to make caring responses fromand anywhere by ensuring to achieve or execute things naturally expected of our products andthe customer’s perspective and enhancing the quality of our customer responses at all Group callservices by customers.

centers.
* An operational standard formulated by Tokio Marine Group specifically for call centers

Based on this Anshin Quality approach, the company has formulated its Anshin Quality Standards■Providing Anshin Quality of Claims Services to Customers

anywhere. There are specific standards for each of the main business processes related to products

Tokio Marine & Nichido believes that our value as an insurance company is tested when an accident

and services, including solicitation, claims payment and basic customer response etiquette. Tokio

occurs. To prepare ourselves for such an emergency, we define Anshin Quality as specific quality

Marine & Nichido is strongly committed to being customer-oriented under a firm determination to

standards that are indispensable for the products and services provided to customers and, together

never providing to customers products or services that do not satisfy these standards.

with agents, have been making full, concerted efforts toward the realization of Anshin Quality. Also
improve quality based on such feedback while repeating the cycle of implementation, verificationand improvement.

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CSR Libraryin terms of claims services, we seek feedback broadly from customers and constantly endeavor to

CSR Management

as quality standards that must be assuredly satisfied by anyone at the company, at anytime andCore Theme 3 /Supporting People

defines Anshin Quality, a level of quality that must be assured by anyone at the company, at anytime

customers by leveraging our high level of expertise, we are making various related efforts on top of

insurance claims are paid to policyholders of our auto insurance, who have been involved in an

the enhancement of the resolution capabilities of employees. In the following sections, we divide

accident.

the process of claims services into five steps (receiving loss reports, initial response, loss adjustment,
reporting progress and payment of insurance claims) and describe our efforts in each.

• Information regarding details of coverage and a list of available coverages (insurance claims) are
Receiving Loss Reports

information on the amount of claims payable in an easy-to-understand manner.

Receiving a loss report from a customer is our first customer contact point in claims services. We work

• When insurance claims are paid, personnel in charge will explain in an easy-to-understand mannerto eliminate anxieties held by a customer who just had an accident by asking whether or not he/while also sending a statement of claims payable that not only verifies the amount but also provides

she was injured and what exactly happened and simultaneously giving considerate and appropriate

a detailed breakdown.

advice.

• When insurance claims cannot be paid, we inform customers of the reason both verbally and in
written form in an easy-to-understand manner. Additionally, inquiries and claims from customers are

Initial Response

accepted via an exclusive toll-free telephone line. Assistance from external specialists such as lawyers
is also available via the Re-examination Request System*.

After receiving a loss report, we confirm how the customer wishes to proceed with the accident
response and provide a detailed description of the process from the beginning to the final resolution.

Core Theme 1 /Providing Safety and Security

sent to customers upon receipt of the notification of an accident, and personnel in charge provide

Governance

To provide high-quality claims services in case of an emergency to deliver safety and security toevaluation results and opinions we gather through a customer survey, which is conducted after

Tokio Marine Group's CSR

As one example, we have implemented the following operational improvements based on the

It is only after we consult with the customer that we will contact the parties and others concerned.
parties.

A system for customers (including policyholders and insured persons) to request reexamination when they disagree with the decision not to pay insurance claims made by

Loss Adjustment

claims service bases in accordance with policy details.

This step involves checking the status of a car or building damaged by the accident. At the same

Core Theme 2 /Protecting the Earth

We try to relieve the customer’s anxiety by reporting back to him/her the results of contacting these* Re-examination Request Systemtime, we scrutinize details of necessary repairs and estimated repair costs to confirm an adequate loss
amount and explain it to the customer in an easy-to-understand manner.

is a closed-door committee composed of external specialists (doctors, lawyers and legal
experts), re-examines the decision. The results are subsequently reported in written form toReporting Progress

the customer who requested the re-examination. However, this system does not apply to

To eliminate the customer’s anxiety and provide a higher sense of security, we make sure to reportcases that are outside the activity scope of the committee, which is to make a decision fromthe progress in a manner and at the timing matched to the customer’s needs.

a legal or medical viewpoint. For details, please contact the responsible claims service base.

We calculate payable insurance claims and explain the details of these claims to the customer inTokio Marine & Nichido: Re-examination Results by the Claims Service Re-Examination

an easy-to-understand manner. We then work to swiftly go through the payment procedures after

Committee (in Japanese)confirming with the customer if he/she wants to file a claim. We also utilize a system to check forcustomer. For auto insurance, in particular, we have in place a system that does not allow us to close117

CSR Libraryother applicable policies and inform the possible payment of other insurance claims, if any, to the

CSR Management

Payment of Insurance Claims

Tokio Marine & Nichido: Re-examination Request System (in Japanese)Core Theme 3 /Supporting People

When requested by a customer, the Claims Service Re-examination Committee, which

Shared Value for Caring for Customers as Our First Priority

various types of training, we ensure to make an appropriate payment of claims to customers.

Tokio Marine & Nichido believes that putting customers first and foremost translates into the qualityof claims services, which are intangible and not readily perceivable. Accordingly, we distribute abooklet entitled Kokorokara (“From Our Hearts”) to all members engaged in claims services, including

through employee training and by conducting a survey on its telephone responses by an external

new employees who join the company each year. The booklet summarizes the values on whichsurvey company. Efforts are geared toward ensuring all responsible personnel always make a

we place importance, including the shared ideas of all members involved with claims services forconsiderate and honest response to customers.

customers, working in harmony with colleagues and in pursuit of expertise. We hope to continuously
our DNA.

■Resolution Capabilities of Team Experts

Kokorokara booklet cover page and inside text. The English version is also available.

We consider it our mission to provide the high-quality claims services when a customer is involvedin an accident. In auto insurance, smooth claim settlement requires a team approach in which highly
specialized and experienced staff members work as a team toward the same goal.
At Tokio Marine & Nichido, our experienced claims service staff team up with our nationwide network

Core Theme 1 /Providing Safety and Security

hand down our purpose, pride and sincerity in claims services from a customer standpoint as part ofGovernanceMoreover, we constantly strive to improve the quality of our customer response over the telephone

Tokio Marine Group's CSR

the case until the payment of all payable insurance claims is made. By means of this system andof highly specialized experts including adjusters, lawyers and consulting physicians as well as
us to protect our customers in the event of an accident. In addition to our reliable and extensive• “Our ceaseless pursuit for expertise is really a quest for better human qualities, and this quest never ends.”

network of 240 service bases nationwide, we satisfy 93.3% of our customers who have filed claims• “Face to face with a person who needs your help, as a fellow human being, what does your heart tell you?

under their insurance by exercising our sophisticated negotiating power backed by our industry

Everything starts from here. I want to help because a person needs my help. This strength of emotion isdominance with more than around 2.77 million accident settlements per year.

our raison d’etre.”

240

110

Claims service staff and adjusters

Approx. 10,700

1,000

Lawyers

Approx. 560

Approx. 50

Consultant physicians

Approx. 100

Approx. 10

70—

Approx. 2.77 million

Approx. 0.18 million

Number of service bases

Tax accountants/Accountants
Number of automobile accident settlements (Annual)

CSR Library

Nisshin Fire

CSR Management

Tokio Marine & NichidoCore Theme 3 /Supporting People

Claims Service System in Japan (As of March 2019)

Core Theme 2 /Protecting the Earthaccountants and tax accountants to provide the resolution capabilities of Team Experts. This allows

118

basic knowledge of laws, tax affairs and other matters related to non-life insurance.

To provide safety and security that truly is based on customers’ points of view, Tokio Marine Group
Going forward, we will promote reforms toward a new business model utilizing tablet devices andsmooth communication with agents.

smartphones to realize an even more comfortable experience for customers. We will work hand-inhand with our agents to deliver quality to all customers and gain higher recognition from customers.

■ The Role of Agents in Tokio Marine Group

Nisshin Fire has also established its Customer Trust Standards for agent operations concerningfrom risks by providing various kinds of insurance products and services as intermediaries between

contract procedures, product presentations and response to customers involved in accidents orcustomers and each insurance company in the Group. Agents are carrying out a broad range ofother incidents, as well as proceeding with initiatives accordingly to ensure that all its agents acrossconsulting activities such as introducing optimal insurance tailored to the needs of each customer

Japan provide customers with the same, high level of services. Additionally, Nisshin Fire’s agent

and quickly providing support to deliver security to customers in the event of disasters or accidents.

commission system places emphasis on providing services and support for customers especially at
the time of contract procedures and accidents, and the company conducts an evaluation of the level

For agents to meet customers’ expectations and trust and be indispensable persons truly relied uponof achievement of operations as an agent to decide agents’ commissions.

by customers, each Tokio Marine Group company has been proceeding with initiatives directedCore Theme 1 /Providing Safety and Security

In auto, life and other insurance, the role of agents in Tokio Marine Group is to protect customers

Governanceendeavors to build partnerships based on trust and together improve the operational quality throughTokio Marine Group's CSR

professionals who have acquired consultation-related knowledge and operational skills on top of

5. Working Together with Agents to Improve Quality■ Sharing Information with Agents

toward its agents such as various kinds of training, establishment of administrative procedures and IT

Tokio Marine & Nichido has developed the agent’s ICT system TNet* in order to readily provide
functions that are related to insurance administrative procedures as well as product information and■Working Together with Agents on Initiatives to Improve the Quality of Operations

sales tools that are necessary for agents as they respond to customers. From 2017 onward, we provide
Mobile TNet, an app that supports agents’ operations and is optimized for use with smartphones. As

that are indispensable for the products and services provided to customers and works together witha means of enhancing the quality of customer response, we mutually share the records of responses

agents to improve quality. In addition, with regard to an agent commission system, we conduct

between customers and agents and between customers and customer centers. With the ultimate

assessments in terms of quality, growth (scale, revenue increase rate, claims ratio) and partnershipgoal of providing services that will bring greater(including consulting capability, quality of agent business administration and claims service response

customer satisfaction, we are developing a newcapability). By doing so, we have established a system to support agents that delivers sustainableagent system (e.g., further evolution of TNet) thatgrowth by providing safety and security to customers and by always remaining their first choice.

takes advantage of the latest advancement inCore Theme 3 /Supporting People

Tokio Marine & Nichido defines Anshin (“Reassuring”) Quality Standards as specific quality standards

digital technologies in order to strengthen agents’customer responsiveness.

to certify “Top-Quality Agents” and an external qualification program to certify “General Insurance
Total Planners.” The Top-Quality Agent certification is given to Tokio Marine & Nichido’s agents, which
demonstrate a superior level of performance overall in terms of the abilities to propose insurance
products and services to customers and respond to an accident and other emergencies andTNet top screen

business soundness, stability and growth potential as an insurance agent, based on the standards* TNet is an online agent system provided by Tokio Marine & Nichido with the intent of supporting agents in enhancing
the quality of insurance business operations and increasing operational efficiency.

solicitor qualification given by The General Insurance Association of Japan to insurance solicitation

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CSR Libraryspecified by the company. The General Insurance Total Planner qualification is the most prestigious

CSR Management

As qualifications of excellent agents and salespersons (insurance solicitors), we use an internal system

Core Theme 2 /Protecting the Earthsystems and business administration management support.

In April 2016, Tokio Marine & Nichido totally revamped its agent
Tokio Marine & Nichido to a system for employees newly hired bythrough a qualifications system and training programs.

corporate agents and temporarily assigned to the company.

■ Original Learning Program

It is a human resources development system that provides

In order to foster salespersons capable of providing meticulous and excellent services to customers,

early-stage education, starting with the acquisition of knowledge on the policy renewal process of

Tokio Marine & Nichido offers a learning program that covers a broad range of operational knowledge

the corresponding agents, to facilitate the learning of solicitation skills. Under this system, agents’on product details, claims services, compliance and other business-related topics.

new employees are temporarily transferred as trainees to Tokio Marine & Nichido for a maximum of
two years to gain solicitation skills. The goal is to enable them to assume the role of a professional

A course on basic products knowledge, in particular, is provided as a mandatory course, whichsalesperson highly specialized in his or her area of expertise at the respective corporate agents. The

salespersons must take before they engage in product sales.

program can also be utilized as a broader supportive measure to help agents grow, as it has expanded
its scope to include part-time agents in the auto, real estate and financial fields. In April 2017, thecompany further upgraded this growth supportive measure by adding a system to pay an additional

Salespersons can take each course through various means, including our online agent system (TNet).

Core Theme 1 /Providing Safety and Security

trainee system by shifting from targeting persons employed byabout insurance with peace of mind, we support the development of professional human resources

GovernanceIn order to meet customer expectations and earn their trust so that customers are able to consult us

Tokio Marine Group's CSR■ Agent Trainee System

6. Education and Training Systems for Agents

commission to the agent if its salesperson temporarily transferred to the company achieved a certain
level of sales, as well as a training program to educate new graduate hires on business etiquette.

Tokio Marine & Nichido Life provides the Tokio Marine & Nichido
Life Training College training program for life insurance agents

Nisshin Fire also operates the Risk Advisor Employee System, a similar trainee system to develop

to develop professional insurance salespersons. In this program,specialized professional agents. The system is designed to acquire various knowledge and practical

for roughly six months agency salespersons and the company’s

work experience that are necessary for selling insurance while being engaged in soliciting contracts

responsible employees take part together in group training andand related work for a certain period.
Core Theme 3 /Supporting People

web-based training, in which the most advanced training programCore Theme 2 /Protecting the Earth

Tokio Marine & Nichido Life Training College

has been adopted, while also carrying out practical activities on
the front lines of business. With regard to these practical activities,
the company provides the latest programs for supporting the sales activities of participants, such as
the adoption of Antore Hiroba, a website where participants can exchange information with each

CSR Management

other. Also, the company gives salespersons opportunities to continue helping each other to improvetheir skills after the completion of their training, including follow-up training at branch offices.

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Tokio Marine Group consumes a considerable amount of paper and energy in its business activities. In
4. Initiatives for Energy Conservation and the Reduction of Environmental Footprint >>that contribute to the creation of a sustainable future.

Tokio Marine Group is striving to enhance environmental awareness among employees, boost❖Relation between written content and SDGs

the environmental performance of the buildings we own, reduce paper consumption, promote

Relevant goal

eco-safe driving and the use of recycled automobile parts, and encourage the introduction of
Relevant target

Description of related
content

Eco Action 21, an environmental management system for small- and medium-size companies,

11. Sustainable cities andcommunities

Initiatives to conserve
energy and preserve theenvironment

13. Climate action

13.1 Strengthen resilience and adaptive
capacity to climate-related hazards andnatural disasters in all countries

Preservation of biodiversity

1- A. What Our Environmental Management Aims for ～Corporate Philosophy and Policy～
For Tokio Marine Group, promoting environmental management is crucial in implementing our
Corporate Philosophy. We believe that working proactively to contribute to the resolution ofenvironmental challenges and create environmental value leads to greater sustainable corporate
value for the Group.
Tokio Marine Group states in our Corporate Philosophy, “Acting as a good corporate citizen through1- A. What Our Environmental Management Aims for ～Corporate Philosophy and Policy～ >>fair and responsible management, Tokio Marine Group will broadly contribute to the development of

1- B. Stance on Promoting Environmental Management >>society,” and in the Tokio Marine Group CSR Charter concerning protection of the global environment,

1- C. Environmental Challenges and Initiatives >>“Acknowledging that the protection of the global environment is an important responsibility

Tokio Marine Group has set “Protecting the Earth” as a core CSR theme in our new Mid-Termfor all corporate entities, we respect the harmonization with and the improvement of the global

Business Plan “To Be a Good Company 2020” based on our Corporate Philosophy and theenvironment in all of our activities.”management and promoting various initiatives to combat environmental challenges, beginningIn our new Mid-Term Business Plan “To Be a Good Company 2020,” “Protecting the Earth” has beenwith the protection of biodiversity through our general business activities.

set as a core CSR theme, and we are working to create environmental value in various ways throughgeneral Group business activities.

2. Preservation of Biodiversity >><Environmental Philosophy>

be tackled and we are striving to find a solution through general business activities.

Adopting the conservation of the global environment as one of its key management policies, Tokio
Marine & Nichido recognizes that it is an important responsibility of all humans and companies in

3. Concept for Reducing CO2 Emissions >>the present world to protect the environment. Together with stakeholders, Tokio Marine & Nichido is

Tokio Marine Group has positioned initiatives to reduce CO2 emissions as a key challenge and we

CSR Management■Environmental Philosophy/Environmental Policy of Tokio Marine & Nichido

Tokio Marine Group has positioned the preservation of biodiversity as a challenge that needs toCore Theme 3 /Supporting People

Tokio Marine Group CSR Charter. We are establishing our stance on promoting environmental

Core Theme 2 /Protecting the Earth❖ Section composition

Core Theme 1 /Providing Safety and Security

through our Group companies.

11.6 Reduce the adverse per capita
environmental impact of cities, including
by paying special attention to air
quality and municipal and other waste
management

Governanceorder to reduce this environmental footprint as much as possible, we constantly promote initiatives

Tokio Marine Group's CSR

Promoting Environmental Management

committed to realizing a society where sustainable development is maintained through the efforts ofall employees throughout the entire range of its business activities in order to improve and coexist in

and become carbon neutral.

harmony with the environment.

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are working to reduce the environmental footprint throughout the Group in Japan and overseas

1- B. Stance on Promoting Environmental Management

Tokio Marine & Nichido has established the following policies and will make every effort to realize

Tokio Marine Group has established a dedicated department (CSR Division, Strategy and Synergy

them in all areas of its activities.

Tokio Marine Group's CSR<Environmental Policy>

Department) at Tokio Marine Holdings to oversee and promote environmental management for theand implements the Group’s environmental management strategy. In addition, we have assigned key

Tokio Marine & Nichido strives to contribute to protection of the global environment andpersons to roles promoting CSR in each department in charge of CSR at Group companies in Japan

preservation of biological diversity through business operations such as insurance products,

and overseas. CSR key persons are committed to reducing the environmental burden associated withclaim services, financial services, etc.

our business activities alongside the management team in each Group company. The CSR Division,
Strategy and Synergy Department supports efforts to promote environmental management at Group
companies through dialogue and cooperation with the CSR key persons. At core Group companies

2. Reduction of Environmental Footprint
Tokio Marine & Nichido strives to reduce the environmental footprint by recognizing thesuch as Tokio Marine & Nichido, we have set up a dedicated department to oversee and promote

environmental footprint through consumption of resources and energies and emission ofenvironmental management (e.g., CSR Division, Corporate Planning Department at Tokio Marine

wastes and promoting resource saving, energy saving, low-carbonization, resource recycling,& Nichido). A CSR key person, assigned to each department and branch office to promote CSR,

harmonization with nature and green purchasing from a viewpoint of the overall value chain.

encourages the full participation of employees in environmental management.

Tokio Marine & Nichido complies with laws and rules of environmental protection and various

Green Assist environmental management system, which draws on ISO 14001, and engages in energy

agreements on environmental protection upon which the company agreed.

conservation and resource conservation activities. The head office of Tokio Marine & Nichido adopted

4. Continuous Improvement of the Environment and Prevention of Pollution

an environmental management system based on the ISO 14001 environmental management
system in fiscal 1999* and is working continuously to achieve environment-related targets. At Group
companies in Japan and overseas, we are introducing our unique environmental management

checking and revising its activities, and continually improving the environment.

system through collaboration between Tokio Marine Holdings and Tokio Marine & Nichido and every
year targets are set, including environmental issues. Active efforts are being made to achieve thesetargets.

5. Promotion of Environmental Awareness-Raising and Philanthropic Activities
Tokio Marine & Nichido strives to promote environmental protection not only by promoting the* There were no major issues noted in internal auditing or external examination under ISO 14001 and no major violations ofenvironmental laws among Group companies.

dissemination of environmental information, provision of environmental consulting services
community and social contribution activities as a good corporate citizen.

1-C. Environmental Issues and Initiatives
Tokio Marine Group aims to contribute to the resolution of environmental issues that include

The above policy will be made well known to and understood by all employees and released to thealleviation of and adaptation to climate change, the preservation of biodiversity and creation of apublic. (Revised on July 1, 2015)

CSR Management

and environmental awareness-raising and educational activities, but also by promoting local

Core Theme 3 /Supporting People

Tokio Marine & Nichido strives to prevent environmental pollution by setting goals and targets,Core Theme 2 /Protecting the Earth

Tokio Marine Group performs plan-do-check-act (PDCA) management through our proprietary

3. Compliance with Environmental Laws and Regulations

Core Theme 1 /Providing Safety and Security

Insurance BusinessGovernanceGroup. This department identifies challenges related to environmental management and formulates

1. Protection of the Global Environment and Preservation of Biological Diversity through theresource-recycling society and connect this with greater corporate value. With this in mind, we are122

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implementing a variety of initiatives in collaboration with various stakeholders.

Tokio Marine Group’s Vision for Biodiversity

environmental footprint through full employee participation. In addition, we have achieved carbon
neutral status for the sixth time in six consecutive years from fiscal 2013 to fiscal 2018 by planting

Tokio Marine Group recognizes the preservation of biodiversity as one of its most important

green power.

environmental issues and, as a good corporate citizen, conducts initiatives for thepreservation and sustainable use of biodiversity under the following two themes.

In order to contribute to alleviation of and adaptation to climate change, preservation of biodiversity
1. We endeavor to understand our relationship with biodiversity (benefits and impact) in ourawareness, conserve energy and boost environmental performance in the buildings we own andbusiness activities to reduce our impact on biodiversity and to preserve biodiversity.

reduce paper consumption, among other efforts. Further, we encourage eco-safe driving throughout
2. We engage in educational activities on the preservation of biodiversity for the general

the value chain, utilize recycled parts and support the acquisition of Eco Action 21 certification.

public and work with our stakeholders to contribute to the development of a sustainable
society.

2. Preservation of Biodiversity

Core Theme 1 /Providing Safety and Security

and creation of a resource-recycling society, we are striving to enhance employees’ environmental

Governancemangrove trees that provide the benefit of CO2 absorption and fixation, and through the purchase of

Tokio Marine Group's CSR

In order to contribute to the alleviation of climate change, we are working to reduce the

Tokio Marine Group has positioned preservation of biodiversity as a challenge that it has a
Tokio Marine & Nichido states in its environmental policy that it will strive to contribute to protection■Tokio Marine Group’s Vision for Biodiversityof the environment and preservation of biodiversity in its business activities, including insurance

Preserving biodiversity translates into a variety of benefits, namely, lower emissions of greenhouseproducts, non-life insurance services and financial services. Efforts are being made to preserve

gases, mitigation of disaster risks from tsunamis and revitalization of regional economies, andbiodiversity by making this a priority in business activities.

Core Theme 2 /Protecting the Earth

Tokio Marine & Nichido’s Stance on Biodiversity

responsibility to help resolve and is working to do just that through general business activities.

contributes to the creation of a sustainable future. Tokio Marine Group recognizes the importancePreserving Biodiversity through Products and Services >>International Importance especially as Waterfowl Habitat (Ramsar Convention) and the Convention

Building Communities for People to Live with Peace of Mind through Environmental Protection

on International Trade in Endangered Species of Wild Fauna and Flora (Washington Convention). In

Activities >>addition, based on the vision outlined below, Tokio Marine Group contributes to the preservation■ Participation in the Promotion Partners Program under The Declaration of Biodiversity byenvironmental enlightenment programs in Japan. This vision draws on Guidelines for Private Sector

Nippon Keidanren

Engagement in Biodiversity issued by the Ministry of the Environment, Millennium Ecosystem

Tokio Marine & Nichido supports The Declaration of Biodiversity by Nippon Keidanren and in January

Assessment and The Economics of Ecosystems and Biodiversity (TEEB) as members of the United

2010 joined the Promotion Partners program under the declaration. Our business activities comply

Nations Environment Programme Finance Initiative (UNEP FI) and the Promotion Partners programwith the declaration and its behavioral guidelines.

under The Declaration of Biodiversity by Nippon Keidanren.
The Declaration of Biodiversity by Nippon Keidanren (in Japanese)

CSR Managementof biodiversity through the reduction of paper usage as well as mangrove planting overseas andCore Theme 3 /Supporting Peopleof achieving the goals of the Convention on Biological Diversity, the Convention on Wetlands of

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<CO2 Emission Reduction Target>

The environmental footprint caused by business activities of Tokio Marine Group is relatively small• Medium-term target (fiscal 2020): -40% (compared with fiscal 2006 level)compared with companies in the manufacturing industry; however, the size of the Group makes it a

• Long-term target (fiscal 2050): - 60% (compared with fiscal 2006 level)

large consumer of energy. In order to reduce the environmental footprint from our business activities• Reduction target in fiscal 2019: -1% compared with previous year

issue for the company. The entire Tokio Marine Group, in Japan and overseas, is making efforts tobecome carbon* neutral under the following strategic concepts.

Tokio Marine & Nichido, a core operating company of Tokio Marine Group, is striving to realize its
medium-term target (fiscal 2020) by: (1) reducing energy in its main building and Shinkan building in
Marunouchi, Tokyo, and Tama building; (2) monitoring the increase and decrease in energy on a total

1. Reduce: Use energy-efficient buildings and facilities and cut back on energy usage.

campaigns in all branches; and (4) increasing energy conservation performance in company-owned

3. Offset: Absorb and fix CO2 by mangrove planting and the retirement of emissions credits.

cars.

* Carbon neutral means that CO2 emitted in the course of a company’s business activities is equivalent to thevolume of CO2 absorbed and reduced by way of mangrove planting, use of natural energy and the retirementof emissions credits by such a company.

In addition, Tokio Marine & Nichido will continue to make efforts to conserve energy in buildings,
equipment and company-owned cars from 2021 toward the realization of its long-term target (fiscal
2050).

■CO2 Emission Reduction Data (Energy Conservation and Reduction in Buildings, Facilities, etc.)

Core Theme 1 /Providing Safety and Security

site basis in line with site reconstruction and transfer plans; (3) implementing energy conservation

2. Switch: Switch to natural energy.

Governance

wherever possible, we have positioned initiatives for reducing the environmental footprint as a key

Tokio Marine Group's CSR［Tokio Marine & Nichido］

3. Concept for Reducing CO2 Emissions<CO2 Emissions (Fiscal 2018 Results)>
Fiscal 2018 CO2 emissions by Tokio Marine & Nichido (Scope 1 (direct emissions) + Scope 2 (indirect< CO2 Emission Reduction Target>

emissions) + Scope 3 (other indirect emissions) business travel only) were 59,664 tons versus a start-• Medium-term target (fiscal 2020): -3% (compared with fiscal 2017 level)

of-year target of 61,732 tons (a 1% reduction year on year), or -4.3% of emissions compared with the• Reduction target in fiscal 2018: -1% compared with previous year

previous fiscal year. The main cause of this decrease was a reduction in power consumption owing toenergy-saving initiatives.

< CO2 Emissions (Tokio Marine Holdings and Major Subsidiaries)>

Moreover, in order to meet the expectations of society regarding corporate efforts to create
environmental value, we expanded the coverage of the calculations for Scope 3 in fiscal 2015.

were 111,509 tons (Japan: 77,511 tons, overseas: 33,999 tons) versus a start-of-year target of 114,091
tons (a 1% reduction year on year), or -3.2% (Japan: -3.7%, overseas: -2.0%) of emissions in the

CSR Performance Data (CO2 emissions originating from energy sources (Tokio Marine & Nichido)) >>previous fiscal year.

Tokio Marine Group is promoting the use of natural energy in Japan and overseas.

we succeeded in cutting these emissions beyond targets at the Group level. In addition, we havebeen expanding the coverage of the calculations for Scope 3 since fiscal 2015 in order to meet

Tokio Marine & Nichido has been purchasing Tradable Green Power Certificates in the amount of

expectations from society in terms of initiatives to create environmental value by companies.

approximately 1 million kWh annually continuously since 2002 through wind power and biomass
being allotted to the reduction of emissions at target sites based on the system regarding emissions

fixation(Tokio Marine Holdings and major subsidiaries) >>124

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power generation. In addition, the Tradable Green Power Certificates purchased by the company are

CSR Performance Data (CO2 emissions originating from energy sources and CO2 absorption and

CSR Management■Purchase of Tradable Green Power Certificates (Retirement of Emissions Credits)

As a result of efforts to steadily reduce CO2 emissions at Group companies in Japan and overseas,

Core Theme 3 /Supporting People

Fiscal 2018 CO 2 emissions by Tokio Marine Group and its major subsidiaries (Scope 1 (directemissions) + Scope 2 (indirect emissions) + Scope 3 (other indirect emissions) business travel only)Core Theme 2 /Protecting the Earth［ Tokio Marine Holdings and Major Subsidiaries］

on Environmental Preservation to Secure the Health and Safety of Citizens of the Tokyo Metropolitan
Fiscal 2018 CO 2 emissions by Tokio Marine Holdings and its major subsidiaries were 111,509 tons,

Area (Environmental Preservation Ordinance).

to mangrove planting, etc., was 153,335 tons and carbon neutral status was achieved for the sixth

U.S.-based Philadelphia Insurance Companies has purchased green power to account for 100% of its
electricity use over the year in its business activities and has achieved net zero emissions* since fiscal

year in succession for the Group overall (Japan and overseas).

2013.

■Initiatives toward Achieving Carbon Neutral Status through Mangrove Planting(CO2 Absorption through Mangroves)
Mangrove forests have an effect on theprevention and mitigation of global warming
by absorbing and fixing a significant volumeof CO 2. Under the concept of “Insurance for
the Future of the Earth,” Tokio Marine Group
Project since 1999. As of March 31, 2019,

Electricity
and others
67,203 tons

Scope 1 Direct
Scope 2
Indirect

10,930 hectares of mangrove forest havebeen planted through this project in ninecountries, primarily in Asia.

Business traveland others
29,300 tons

CO 2 fixation
and reduction
153,335 tons

4. Initiatives for Energy Conservation and the Reduction of Environmental Footprint

CO2 absorption andfixation throughmangrove planting
150,000 tons

■Raising Employees’ Energy Conservation AwarenessResponding to the calls for energy conservation (in particular, the restraint of electricity consumption

Scope 3Otherduring peak periods) following the Great East Japan Earthquake of March 2011, Group companies
Use of natural energy
3,335 tons

in Japan are implementing Summer & Winter Electricity-Saving Measures as an initiative to firmlyCore Theme 2 /Protecting the Earthhas engaged in the Mangrove Planting

Gas,gasoline
and others
15,007 tons

CO 2 emissions
111,509 tons

Core Theme 1 /Providing Safety and Security* Tokio Marine Holdings requested the Central Research Institute of Electric Power Industry (CRIEPI) to evaluate andcalculate the amount of CO2 absorption and fixation through mangrove trees and received the evaluation report.
Further, a third-party organization (Ernst & Young ShinNihon LLC) has been requested to implement the agreed-uponprocedures in compliance with Practical Guidelines in Specialized Fields 4400, Engagements to Perform Agreed-Upon
Procedures (The Japanese Institute of Certified Public Accountants) for part of the data used in the report. As a result,
Tokio Marine Group has deemed that the effects of CO2 absorption and fixation through mangrove planting have been
calculated properly.
* The coverage of calculations for Scope 3 (other indirect emissions) was expanded in fiscal 2015.

* Net zero emissions are achieved when the net of CO2 emissions and energy consumed equals zero.

Governancewhich was -3.2% of emissions in the previous fiscal year. The effect of CO2 fixation and reduction due

Tokio Marine Group's CSR

and reduction through means such as mangrove planting* and natural energy (green power).

trading and the obligation to reduce total emissions of greenhouse gases pursuant to the Ordinanceestablish electricity and energy conservation. Specifically, the companies are making continuous
efforts to (1) conserve energy in offices (reducing unneeded light fixtures, placing restrictions on

resource conservation. At the same time, Tokio Marine Group aims to achieve carbon neutral statususe of items (OA equipment, copiers, etc.) around power outlets and thoroughly managing air

on a global basis, offsetting the CO 2 emissions generated by its business activities with CO 2 fixation

conditioning (such as setting temperatures in offices to 28°C in summer and 19°C in winter); and(2) review employees’ work styles (such as encouraging early morning working hours and promoting
casual dress). Further, we are making efforts to curb CO2 emissions from energy usage, such as by
reduces costs).
In addition, Tokio Marine & Nichido endorses COOL CHOICE, a national campaign that encourages all“smart choices” that contribute to countermeasures for global warming, including for Japan’s energy-

CSR Management

expanding our use of TV/Web conferencing systems and restricting air travel for business (which alsoCore Theme 3 /Supporting People

Each Group company strives to reduce the environmental footprint through energy conservation andsaving and low-carbon products, services and behavior in order to attain the Japanese government’s
promoting activities to realize a low-carbon society.

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CSR Librarytarget of a 26% reduction in greenhouse gas emissions by 2030 compared with fiscal 2013. We are■ Initiatives to Reduce Paper Use

By making effective use of TV/Web conferencing, Tokio Marine & Nichido is reducing greenhouse

Tokio Marine Group’s volume of paper consumed in fiscal 2018 was 8,068 tons (Japan: 7,355 tons,

gases resulting from employee business travel and is striving to raise business processing

overseas: 713 tons), which marked a decrease of 5.2% on a year-on-year basis (down 2.4% in Japanefficiency. Tokio Marine & Nichido has presently introduced and is actively utilizing more than 300

and down 26.6% overseas) thanks to reduction efforts in and outside Japan. In fiscal 2019, we are

teleconferencing systems at its business bases, and by doing so, is limiting the number of employee

taking action under a target of reducing paper volume in Japan by 1% from the previous fiscal year.
As a measure to curb paper consumption, Group companies are distributing mobile terminals(tablets, PCs) to employees as a measure to reform working styles while reducing paper consumption,

Tokio Marine Group’s companies are engaged in initiatives* that consider the environment andalong with promoting the paperless Raku Raku Tetsuzuki (Quick and Easy Online Procedures) whendisaster prevention in buildings and facilities, as appropriate for each structure.

applying for insurance on their tablet or other device, the use of paperless conferencing, using green• Facilities investment value related to energy conservation measures: 588 million yen (fiscal 2018,

procurement of stationery and office supplies, shifting forms and pamphlets to Web formats (i.e.,
promoting paperless use) and firmly establishing the use of double-sided copying and aggregate
printing.

At Tokio Marine & Nichido, the company’s Nagoya Tokio Marine & Nichido Building, which was■ Initiatives for Reducing the Environmental Footprint in the Value Chaincompleted in 2013, gives high consideration to the environment with features that include double-< Promoting Eco-Safe Driving and the use of recycled auto parts>

glazed window glass and LED lighting throughout the entire building. This building has earned the
S-rank, the highest rank under the Comprehensive Assessment System for Building Environmental

From the perspective of creating a recycling-based society and reducing the burden on theenvironment (i.e., curbing CO 2 emissions from the manufacture of parts* ), Tokio Marine Group is

Efficiency (CASBEE) Nagoya, a building environmental performance evaluation system operated bycalling on employees to engage in the Eco-Safe Driving program of The General Insurance Association

Nagoya City.

of Japan and is actively using recycled auto parts when repairing vehicles used by Group companies.

This building has secured the top-tier Platinum ranking under the DBJ Green Building Certification

Furthermore, Tokio Marine & Nichido, Nisshin Fire & Marine Insurance and E. design Insurance are

System operated jointly by the Development Bank of Japan and Japan Real Estate Institute.

taking action in calling for the use of recycled auto parts and proposing the use of these parts toFurthermore, in January 2015 Tokio Marine & Nichido was certified as an excellent Eco-Oriented

individual and corporate customers that have met with accidents.
• Number of instances of use of recycled auto parts (fiscal 2018, Tokio Marine & Nichido) :its business activities. It also won the 22nd Aichi Machinami Architecture Award in recognition

about 20,969 (+14.8% compared with the previous year)of its contribution to the formation of a pleasant local environment, and in December 2015 wonWith the approval of customers, Tokio Marine & Nichido is making efforts to expand the use of

Outstanding Performance Award for Eco-Oriented Businesses certified by Nagoya City.

recycled parts. The company’s actions include distributing pamphlets to boost awareness of the
Recycled Parts Usage Promotion Campaign among agents and auto repair shops, as well as creating

achievements in reducing greenhouse gases in offices and won the Excellence Award in the Osakacontent for tablet devices to aid these businesses in easily explaining the merits of recycled parts to

Stop Global Warming Awards.

customers.

At Group companies overseas, as in Japan, we are taking measures to conserve energy as appropriate
introducing environmentally conscious measures that include the installation of energy-saving airconditioning equipment and lighting fixtures, installation of water-saving equipment that reuses
rainwater and placement of greenery.

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CSR Library* Recycled parts are said to have an effect in reducing CO2 emissions compared with new parts (23.1 kg for abumper, 97.3 kg for a door, etc. (Source: Survey by The General Insurance Association of Japan))for each building or facility. As an example, Tokio Marine Centre (Singapore) has been actively

CSR Management

In addition, Tokio Marine & Nichido was recognized by Osaka Prefecture for initiatives andCore Theme 3 /Supporting People

Business by Nagoya City due to voluntary and proactive efforts to be kind to the environment inCore Theme 2 /Protecting the Earth

Tokio Marine & Nichido)* Upgrading to boilers, high-efficiency lighting fixtures (LED, etc.) and air conditioning, etc.

Core Theme 1 /Providing Safety and Security■Resource Conservation in Buildings and Facilities

Governancebusiness trips and reducing business travel expenses.

Tokio Marine Group's CSR<Effective Use of TV/Web conferencing>

(2)Environmental Performance Indicators Related to Environmental Benefits (Tokio Marine Holdings)
Environmental performance indicatorwith the global environment and that considers how to improve the environment. Everyone works

FY2018

Total energy input (GJ)

783,048732,675

Water resource input (m3)602,169

570,832

Greenhouse gas emissions (t-CO2)

86,54382,209Waste emissions (t)

2,072

2,248

independently and proactively toward the sustainable development of society.
*1 In 1996, the Ministry of the Environment formulated Eco-Action 21 to provide a wide range of small- and medium-sizedenterprises with easy strategies for becoming aware of their relation to the environment, establishing environmental targets andtaking environmental action on their own. The Ministry has continued to promote the program until the present day.
*2 Eco-Action 21 integrates the environmental management system, environmental performance assessments and environmental
report into one. Taking part in the Eco-Action 21 program paves the way for small- and medium-sized enterprises to undertake
independent and proactive initiatives related to environmental considerations and publish the results of these initiatives together as
an environmental action report.
*3 Business content: Established in 1986: (1) Business consulting for automobile maintenance shops, etc., (2) Technical guidance for
personnel engaged in automobile maintenance at motor distributors, and (3) Research, development and sale of software, ledgers
and equipment aimed at enhancing sophistication of automobile maintenanceNote: Figures for all environmental performance indicators are provided on a global basis.

Source : Ministry of the Environment website (in Japanese)(3) Economic Benefits of Environmental Conservation Initiatives (Tokio Marine & Nichido)(1) Environmental Conservation Cost (Tokio Marine & Nichido)
Environmental performance indicator
FY2017
Environmental costs

FY2018 (million yen)

Expenses(mil-lion yen)

Business area costs

234

232

874

516

Upstream/
downstream costs

0

25

0

27

Management costs

0

22

0

42

R&D costs

0

87

0

88

Social contribution
activity costs

0

127

0

121

Environmental
remediation costs

0

0

0

0

234

495

874

794

Cost reduction

206

206

Revenue

0

0

Total

206

206

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Investment(mil-lion yen)

CSR Management

Expenses(million yen)Core Theme 3 /Supporting People

Investment(million yen)

Total

FY2017 (million yen)

FY2018Core Theme 2 /Protecting the Earth■Environmental Accounting

Core Theme 1 /Providing Safety and Security

FY2017

GovernanceThrough acquisition of certification and registration of Eco-Action 21* 2, all employees in all fieldsof business activity at Tokio Marine & Nichido Auto Support Center*3 act in a way that is in harmony

Tokio Marine Group's CSR< Certification and Registration of Eco-Action 21 (Environmental Management System for
Small-and Medium-Sized Enterprises* 1)>127

Maintaining and enhancing the physical and mental health of our employees, the driving force

1. Promoting Health and Productivity Management

enabling us to continue as a company that provides safety and security to customers and is trusted■Tokio Marine Group’s Health and Productivity Management Vision

has been making efforts to create an environment in which employees can work with enthusiasm by

Tokio Marine Group regards employees as one of our most valuable assets and their health as aproviding both physical and mental health care for its employees.

critical management issue. We seek to ensure the physical and mental health of employees so thatthey can work enthusiastically with higher levels of satisfaction and motivation, support health

Relevant goal

8. Decent work andeconomic growthpromotion efforts of customers, local communities and society as a whole and help to resolve related
Relevant target

8.8 Protect labour rights and promote safe andsecure working environments for all workers,
including migrant workers, in particular women
migrants, and those in precarious employment

social issues. By doing so, we ultimately aim to achieve the Group’s sustainable growth.

Description ofrelated content

All content ingeneralCore Theme 2 /Protecting the Earth❖ Section composition

Core Theme 1 /Providing Safety and Security❖ Relation between written content and SDGs

Governanceand chosen by customers, is a critical theme of the utmost priority. Each Tokio Marine Group company

Tokio Marine Group's CSR

Promoting Health and Productivity Management

1. Promoting Health and Productivity Management >>Tokio Marine Group views employee health as a critical management issue. For further
promoting health and productivity management, we created the Group Chief Wellness Officer(CWO) position and formulated the Tokio Marine Group Wellness Charter in April 2019. We intend
to instill health and productivity management more firmly on a Group-wide basis.

Core Theme 3 /Supporting People

2. Health and Productivity Management / Occupational Health and Safety Initiatives andExternal Evaluation >>CSR Management

Each Tokio Marine Group company has been making efforts to create an environment in which
employees can work with enthusiasm by providing both physical and mental health care for its
employees. These initiatives have been recognized by various external organizations.

CSR Library128

respectively for human resources skills development and health promotion. Using this Tokio Marine &In order to instill Tokio Marine Group’s vision of and thinking behind health and productivity

Nichido’s effort as a benchmark, we are implementing a similar system in other Group companies in a

management throughout Group companies in and outside Japan, we have formulated the Tokiophased manner.

Marine Group Wellness Charter as health-related guidelines for employees. As we plan to disseminate
the charter to Group companies overseas, we created both Japanese and English versions.

Tokio Marine Group's CSR■Tokio Marine Group Wellness Charter

GovernanceCore Theme 1 /Providing Safety and Security< Declaration of Health and Productivity Management >The Industrial Safety and Health Act, Health Promotion Act and other relevant laws and regulations

the most important driving force in becoming and continuing to grow as a “Good Company” chosen

form the basis of all our initiatives in this area. We comply with these laws and regulations inby customers, and that Tokio Marine & Nichido proactively seeks to maintain and promote theevery aspect, from conducting periodic health checkups and stress checks to protecting personal

physical and mental health of employees and their families.

information.

■Promotion Structure

Each Group company has established an industrial safety and health management framework inOverseen by the Group CEO, our efforts to promote health and productivity management are led

accordance with the Industrial Safety and Health Act to fulfill its obligation to ensure the appropriateby the Group Chief Wellness Officer (CWO), who is also the Group Chief Human Resources Officer

consideration of safety. Specifically, Group companies appoint an industrial physician and health(CHRO), and the Wellness Promotion Team set up within Tokio Marine Holdings. We are also making

officer and set up a health committee at each domestic business site with more than 50 employees.

collaborative health promotion efforts jointly with the Health Insurance Association.

The committee, composed of an industrial physician, health officer, persons in charge of healthmanagement and persons selected from the employee labor union, meets once per month todeliberate on measures for physical and mental health maintenance and promotion and improving

across Japan, Tokio Marine & Nichido has established a system of collaboration between industrial

the workplace environment as well as measures for preventing health disorders, including those

health staff stationed at 46 locations nationwide and key persons appointed in each workplace

resulting from overwork.

129

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Additionally, with the aim of extending efforts to ensure employee health to all employees working

CSR Management■ Legal Complianceunder its Declaration of Health and Productivity Management, which states that employees representCore Theme 3 /Supporting People

Tokio Marine & Nichido, a major Tokio Marine Group company, is promoting an array of initiatives

Core Theme 2 /Protecting the Earth

2. Health and Productivity Management / Occupational Health and Safety
Initiatives and External Evaluation

■ Examples of Major Health Measures

For its efforts to ensure employee health, as described in the Tokio Marine Group’s Health and< “Get Healthier” Initiative>

Productivity Management Vision, Tokio Marine & Nichido has defined four priority areas based on【Applicable priority areas】“Data Health” plans created in collaboration with the Health Insurance Association as well as the

Enhancement of health literacy; Health maintenance and promotion

results of analysis of health checkup and various other health-related data.

【Details】

We regard health literacy as a basis of health actions. We work to raise the level of health literacy

Months campaign in every October and November for 29 years. We have also been working

among employees so that they become mindful of their own health and that of people around them,to increase the rate of participation by making adjustments to how we conduct the initiative.

willingly learn about health measures and voluntarily make health promotion efforts.

Adjustments to date include providing a menu of activities (“Our Challenge” program) to support<Health Maintenance and Promotion>

workplace efforts, appointing key persons in each workplace, introducing a web-based version and

We believe ongoing efforts by employees themselves are essential in maintaining and promoting

establishing a President’s Award program.

their health. We strive to enhance the health of all employees by implementing measures to support
their efforts, providing necessary tools and encouraging individual and organizational efforts.

In addition, we have been evaluating our health measures by analyzing the improvement status<Prevention of Lifestyle-Related Diseases>of employee health, stress levels and lifestyle habits as well as effects on productivity and work

A lifestyle-related disease is a health issue that greatly affects both the current life of an employee

engagement. As a result, we have confirmed that offices and branches participating in the “Ourand his or her life after retirement. As an effort to prevent the onset and aggravation of lifestyle-

Challenge” program show lower productivity loss (or loss resulting from presenteeism). Accordingly, we

related diseases, we proactively provide support by industrial health staff (industrial physicians andwill continue to undertake the initiative while striving to increase the participation rate.

<Realization of a Better Working Life><Measures for Employees at High Risk of Lifestyle-Related Diseases>

In order to ensure the physical and mental health of employees, we need to pay attention not only

【Applicable priority areas】
Prevention of lifestyle-related diseases

and their attitude toward work. We implement mental health measures led by supervisors in each

【Details】

workplace and industrial health staff and help employees balance work with medical treatment so as to

We determine how and to whom we provide support using blood pressure and blood sugar

enable them to work with vitality and with a higher level of work engagement and lead a fulfilling life.

level indicators as selection criteria. We conduct an interview by an industrial physician with allapplicable employees and encourage appropriate medical treatment and behavior change byrecommending medical consultation, collaborating with their primary doctors and providing
health guidance by nursing staff. We follow through until there is an improvement in their data. As
a result of these efforts, over 70% of the applicable employees have shown lower blood pressures.

showing high blood pressure (levels II and III in some guidelines) did not apply to these levels in
the previous year. To prevent aggravation and suppress an increase in the number of employees
developing higher blood pressures, our nursing staff members are providing health guidance and130

CSR Librarydisseminating related information via e-mail to employees with level-I high blood pressure.

CSR Management

Moreover, the results of multi-year analysis on health checkup data revealed that 50% of employees

Core Theme 3 /Supporting People

to the health status of individuals but also to factors affecting it, such as the workplace environment

Core Theme 2 /Protecting the Earthnursing staff ) as necessary based on the results of health checkups.

Core Theme 1 /Providing Safety and Security

and promote their health. As part of this initiative, we have been holding the Health Promotion

GovernanceThis is an all-participation health promotion initiative designed to enable all employees to maintain< Enhancement of Health Literacy >Tokio Marine Group's CSR■ Defining Priority Areas for Efforts to Ensure Employee Health< Mental Health Care >【Applicable priority areas】【Applicable priority areas】
Realization of a better working life

Prevention of lifestyle-related diseases【Details】
Each Tokio Marine Group company actively promotes mental health measures as we recognize the【Details】
This is a three-month program to help younger employees (below the age of 40 and showing adesirable level. Over the course of the program, participants work to change their lifestyle habits,
including diet and physical exercise, to reduce weight and counter metabolic syndrome. Some
90% of the participants have completed the program, while about 70% have lost weight. The rate

Tokio Marine & Nichido has established the Basic Policy on Mental Health Measures. Under thispolicy, supervisors at the workplace and industrial health staff collaborate to proactively implement
various measures. These include efforts to maintain sound mental health, measures to encourage
early detection and treatment as well as measures to care for employees with mental health issues.
Since 2012, the company has also been making efforts to spread the concept of work engagement,
which is considered a primordial prevention measure for mental illnesses. As we have confirmed
through analysis a link between worsening mental health and absenteeism, we will continue to
implement the plan-do-check-act (PDCA) cycle and help employees work with enthusiasm.

is that the participants show lower risks of high blood pressures, fats and blood sugar levels andbetter eating habits than non-participants.
Additionally, we have found that, among employees who have shown improved neutral fat
levels or eating habits, the ratio of those showing higher productivity (or lower presenteeism)is meaningfully high. The implication is that better lifestyle habits are linked to weight loss andhigher productivity. We will continue to implement the program while verifying its positive effects.

Core Theme 1 /Providing Safety and Securityof obesity among younger employees has also been on the decrease. Another confirmed outcome

Governanceimportance of pursuing the maintenance and improvement of employees’ mental health in termsof corporate management. Specific efforts include setting up a mental health counseling desk andusing stress checks to promote self-care and analyze issues at an organizational level in order tomaintain a good workplace environment.

body-mass index (BMI) of 25 or higher), who have tendency toward obesity, to reduce weight to a

Tokio Marine Group's CSR< Anti-Obesity Program for Younger Employees ><Creating a Comfortable Workplace Environment>【Applicable priority areas】【Details】
Our measures to support the health of female employees include holding seminars and providing avariety of information. Seminars by outside lecturers specialized in health management of working
women have been held with the participation of all employees via our corporate satellite network(CSN). Regarding the examples of providing a variety of information, we send internal notifications,individual notices of an upcoming health checkup and e-mails as a means to encourage female<Provision of a Healthy and Nutritionally Balanced Lunch Menus at Head Office Employee Cafeteria>

employees to receive examinations for uterine and breast cancers. In an effort to increase【Applicable priority areas】
Realization of a better working life

their motivation to receive the screening, we include in these notices various data, such as theby age group; and Q&As about cancer examinations.
With a view to enhancing employees’ literacy for health disorders specific to women, we provide
health newsletters specialized in health maintenance and promotion for women. By sending
to communicate and facilitate an understanding of our health support measures for female

CSR Performance Data (Percentage of employees who received health checks, industrial accidents, etc.)

employees in the hope that they provide an opportunity for male employees to think about the(Reference) Tokio Marine & Nichido’s Fiscal 2019 Health and Productivity Management and Healthhealth of women around them, including families and colleagues.

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Maintenance Policy and Core Measures >>CSR Librarythese newsletters and other related information to both female and male employees, we intend

CSR Management【Details】
Tokio Marine & Nichido offers healthy and nutritionally balanced lunch menus at its employee
cafeteria. These include: a TABLE FOR TWO menu to donate a part of its price to school meal
programs in developing countries; a Menu for Supporting Disaster-affected Areas to also donate apart of its sales to areas affected by the 2011 Great East Japan Earthquake; and a Sustainable Menu
using safe and quality food that have the Global Good Agricultural Practices (G.A.P.) certification.

prevalence and mortality of these cancers; the cure rate following early detection; screening rate

Core Theme 3 /Supporting People【Details】
Tokio Marine Group is not only satisfying various standards stipulated under laws and regulations
related to the workplace environment but also promoting the creation of a comfortable workplaceenvironment that takes into consideration lighting, noise, ventilation, temperature, humidity
and other ergonomic aspects. Tokio Marine & Nichido, for example, has introduced a free addressenvironment that is effective in increasing communication and vitalizing the workplace.

Health maintenance and promotion; Enhancement of health literacy

Core Theme 2 /Protecting the Earth【Applicable priority areas】
Realization of a better working life

<Health Support for Women>Health issues change constantly in line with changes in the social environment and accompanying

Tokio Marine & Nichido evaluates and strives to improve its health and productivity managementchanges in the workplace environment. In recent years, in response to a reform of work styles of

initiatives mainly in the four priority areas. Efforts are made to get an idea of conditions company-

women, we have been providing finely tuned support to health-related issues specific to women by

wide, which includes the rate of anomalies in medical examinations, rate of obesity, incidence ofleveraging our workplace-based industrial health system.

lifestyle-related diseases, rate of people having disease risk resulting from not doing regular exercise,work styles with higher productivity from the health aspect by preventing health issues fromalso defined key performance indicators (KPIs) and targets to achieve these tasks.

becoming prevalent.

Targets in the area of health maintenance and promotion include lowering the smoking rate,■ External Evaluation

increasing the consultation rate for screening of female-specific cancers and increasing the rate of

As a result of the above initiatives, Tokio Marine Holdings wasparticipation in Health Promotion Months. We monitor the KPIs each year, verify the effectiveness of

selected as a “2019 Health & Productivity Stock” co-sponsored by

our initiatives and work for improvement while rotating the PDCA cycle.

METI and the Tokyo Stock Exchange for its outstanding health andproductivity management for the fourth consecutive year since 2016.

Toward realizing Tokio Marine Group’s health and productivity management vision, which serves asa framework to evaluate our initiatives to enhance our corporate value in a sustainable manner, weAt the same time, many Tokio Marine Group companies were

continuously verify our multi-faceted KPIs to assess the impact on the organization and impact onrecognized under METI’s 2019 Certified Health & Productivity Management

external evaluation.

Outstanding Organizations Recognition Program. In the large enterprise< KPIs and Example Verification Results >& Nichido Life were selected for the third consecutive year; Tokio Marine &【 Impact on the Organization 】• Identifying changes over the years and performing detailed analysis by region and age group on
the status of turnover, absence and long-term leave of absence due to injuries or illnesses; andidentifying changes over the years and performing detailed analysis by region and age groupon the data of employee satisfaction and motivation levels taken from Group employee attitude
surveys (Results of verification: The results of stress checks have improved, and employees’satisfaction and motivation have remained at good levels in the results of employee attitude
surveys.)【 Impact on External Evaluation 】• Evaluating the impact of career choice popularity rankings on recruitment (Results of verification:
Higher rankings have been observed in company popularity surveys among job-seeking
undergraduates conducted by Mynavi Corporation and Nikkei Inc. since being selected for the firsttime as a Health & Productivity Stock.)• Identifying changes in the number of corporate customers to which Tokio Marine Group has
provided support in health and productivity management (Results of verification: There has been
an increase in the number of corporate customers being recognized under the Certified Health& Productivity Management Outstanding Organizations Recognition Program sponsored by the
Ministry of Economy, Trade and Industry (METI).)

Nichido Systems and Tokio Marine & Nichido Medical Service for the second
consecutive year; and Tokio Marine & Nichido Risk Consulting for the firsttime. In the small- to medium-sized enterprise category, the programCore Theme 2 /Protecting the Earthcategory, Tokio Marine Holdings, Tokio Marine & Nichido and Tokio Marine

Core Theme 1 /Providing Safety and Security

In the future as well, we will anticipate an impact of these changes on employee health and support

reviewed and analyzed for identifying required tasks in specific terms. Tokio Marine & Nichido has

Governanceconsultation rate for cancer screening, smoking rate and the results of stress checks. These data are

Tokio Marine Group's CSR■Evaluation and Improvement of Health and Productivity Management Initiatives (PDCA)

recognized E. design Insurance, Tokio Marine Millea SAST Insurance, Tokai
Partners East, Tokai Nichido Partners Tokai Hokuriku, Tokai Nichido Partners
Kansai, Tokai Nichido Partners Chugoku Shikoku, Tokai Nichido Partners
Kyushu and Nisshin Fire Insurance Service.

literacy and maintain health are becoming increasingly important as they form the foundationof employee productivity and make the company’s products and services an attractive option forcustomers. We will use this selection as motivation to work to enhance the health of employees andstrengthen our support to corporate customers as well as further expand and develop health andBuilding a Society Based on Health and Longevity to Ensure Peace of Mind (in Support of Customer’s
Health and Productivity Management) >>132

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productivity management.

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Efforts to ensure the physical and mental health of employees and their families, enhance healthCore Theme 3 /Supporting People

Nichido Partners Hokkaido, Tokai Nichido Partners Tohoku, Tokai Nichido❖Section composition

The Tokio Marine Group’s philosophy on human resources has been positioned as “Tokio Marine
Group – Our People.” Based on this philosophy, we are working on the strategic development of

1. Fair Personnel System and Management >>group. The Group’s overall human resources development and utilization are managed by the Group

Tokio Marine Group aims to “continuously build an open and dynamic corporate culture that

Chief Human Resources Officer (CHRO), while the Board of Directors and Management Meeting of

enables each and every employee to demonstrate his or her creative potential” and to enhanceeach Group company monitor the individual implementation status.

employee motivation through a fair personnel system and management.

Our people are the most important asset of our Group and a key driver of our Good

2. Development of Human Resources >>Company vision.

Tokio Marine Group considers its employees to be its most valuable assets and is aiming to

We aim to attract and retain the best talent in every aspect of our business to ensure wethrough comprehensive employee training centered on on-the-job training (OJT) and ongoingdeliver safety and security to our customers and their communities.

support for self-development.

enhance the growth of each employee and boost the collective capabilities of the organization

opportunities for career development and ongoing personal growth.

3. Utilizing Diverse Human Resources >>Tokio Marine Group promotes diversity and inclusion throughout the Group by progressively

Our people embody diversity and we value inclusion as a truly global company. We work

moving forward in encouraging female employees to take active roles and creating a workplace

hard to create a business environment where we can achieve our full potential as wein which older employees with a wealth of knowledge and experience can take active roles as

continue our endless journey to be a Good Company.

well as promoting the employment of persons with disabilities.

Relevant target

4. Reform of Working Styles >>Description ofrelated content

Utilizing Diverse
Human Resources

8. Decent work and economic
growth

8.5 Achieve full and productive employment anddecent work for all women and men, including
for young people and persons with disabilities,
and equal pay for work of equal value

All content ingeneralGiven changes in family and community environments surrounding employees, Tokio Marine
Group has been striving to reform working styles with the aim of driving sustainable growth ofthe company and employees and fostering a corporate culture in which employees respect eachother’s diverse values.

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5. Gender equality

5.1 End all forms of discrimination against all
women and girls everywhere
5.5 Ensure women’s full and effective
participation and equal opportunities forleadership at all levels of decision-making ineconomic life

Core Theme 3 /Supporting People❖Relation between written content and SDGs
Relevant goalCore Theme 2 /Protecting the EarthOur people bring passion and a challenging spirit to their endeavors and we provide themCore Theme 1 /Providing Safety and Security

Tokio Marine Group - Our People

Governancediverse human resources, both in Japan and overseas, toward the realization of a global insurance

Tokio Marine Group's CSR

Developing and Utilizing Diverse Human Resources

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2. Development of Human Resources

Tokio Marine Group aims to enhance employee satisfaction and motivation through a fair personnel

The power of our people is the driving force for realizing our vision, “To Be a Good Company.” Thesystem and management. The Group also endeavors to realize a corporate culture in which all

Tokio Marine Group Spirit has been built up by overcoming numerous adversities and constantly

employees respect human rights through various initiatives such as human rights training.

taking on challenges since our earliest days that focus on the five areas of taking on challenges,
openness and dynamism, customer orientation, social contribution (contribute to society and people)
starting point for individual ideas and the source of human resources with a high sense of purpose

fair personnel system. Moreover, we respond to changes in the environment and ensure appropriate

who boldly take on challenges. In addition, based on the Tokio Marine Group Spirit, we have fostered

management of personnel and labor risks. Through these initiatives, we strive to increase productivity

over many years a nurturing culture in which both the person doing the guiding and the person

and corporate value.

being guided grow and develop. We are working to spread and pass down this nurturing culture to
the entire Group with the aim of having our Group companies around the world work together on

The environment surrounding Tokio Marine Group, in particular, has been undergoing rapid changes,

the development of human resources.

including technological advancements, globalization and demographic shifts. Consequently, it has
become increasingly important to accurately capture these highly uncertain changes in the external■Aiming to be the Most Successful Company in Japan Where People Can Grow and Develop

environment and reflect them in corporate management. As a system to stably secure management

For Tokio Marine Group, people and the trust built up by those people are the source of all our

personnel with high levels of expertise and management capability to respond to such significant

competitiveness, and thus human resources development is an extremely important theme. Eachchanges on a global basis, Tokio Marine Holdings introduced a new personnel system in April 2019.

Tokio Marine Group company is building skill development programs and personnel systems

CSR Performance Data (Number of employees, basic employee data, etc.) >>Core Theme 1 /Providing Safety and Security

and a global perspective. This spirit has been passed down over the generations and even now is the

Tokio Marine Group works to enhance employees’ job satisfaction and motivation mainly through aGovernance■Enhancing Productivity and Corporate Value

Tokio Marine Group's CSR

1. Fair Personnel System and Management

appropriate for the characteristics of their respective businesses based on the Tokio Marine Group■Raising Employee Satisfaction Levels

people can grow and develop in order to become a company which provides customers with a sense

Tokio Marine Group has created a group-wide platform for the implementation of a Group employee

of security, is selected by customers and constantly grows, as stated in its mid-term business plan. We

attitude survey once each year. In fiscal 2018, the survey was given to 5,158 employees in 16

are also creating a framework within our corporate systems that supports self-help in order to meetcompanies with individual companies such as Tokio Marine & Nichido and Tokio Marine & Nichido

the idea that each employee has the desire to grow.

Core Theme 2 /Protecting the EarthSpirit. As an example, Tokio Marine & Nichido aims to be the most successful company in Japan where

Life conducting the same initiatives. Although employee satisfaction levels were high on the whole
Specifically, Tokio Marine & Nichido regularly conducts interviews between supervisors and theirof employees regularly gathered by each company in general management and personnel measuressubordinates so that each employee can realize his or her own career vision. In the interviews,

and by providing feedback related to organizational management.

employees share what they want to become and their strengths and weaknesses, and challenging

CSR Performance Data (Employee attitude survey) >>roles are assigned that lead to the growth of respective subordinates. The year-round dialogue
between supervisors and subordinates concerning on-the-job training (OJT), off-the-job training(Off-JT) and planned self-development efforts seeks to enhance each employee’s competencies (inIn Tokio Marine Group, Tokio Marine & Nichido and other Group companies conduct good-faithbehavior and thinking).

negotiations and discussions with labor unions on a wide range of topics, from payroll, personnel
systems and occupational health and safety to management policies, to achieve sound corporate

In addition to a wide range of correspondence-based training activities, including Rank-Specificgrowth and maintain and improve various working conditions of union members.

Training, Optional Training, Specialization Training and e-Learning services, Tokio Marine & Nichido

CSR Performance Data (Labor union participation rate) >>CSR Management■Sound Labor-Management Relations

Core Theme 3 /Supporting People

throughout the Group, we are aiming to further boost employee satisfaction by reflecting opinions

actively sends young employees to short-term overseas training programs and to business schools
institutions to develop personnel who possess a broad perspective, international sensibilities and ahigh degree of specialized knowledge.

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CSR Libraryand law schools in Japan and abroad, universities in non-English-speaking countries and other3. Utilizing Diverse Human Resources
Tokio Marine Group believes it essential that motivated and capable employees who possess adiverse sense of values should exert their capabilities to the full extent, regardless of gender, age,nationality, disability or other attributes, to improve the quality of the products and services thatand inclusion group-wide include encouraging female employees to take active roles, creating aworkplace in which older employees with a wealth of knowledge and experience can take activeroles and promoting the employment of persons with disabilities.

Tokio Marine Group believes the power of its people is the driving force for realizing its
vision of becoming a “Good Company.” For the insurance business, which is said to be a

CSR Performance Data (Employee Training) >>“people’s business,” the people involved and the trust created by those people are the sourceof our competitive advantage. We will promote diversity on a global basis to maximize■Job Request System

the potential and facilitate the active participation of some 40,000 employees worldwide

Tokio Marine & Nichido provides employees with opportunities to choose their jobs to realize their

Core Theme 1 /Providing Safety and Security

Diversity Policy

Governance

it provides to customers worldwide. Specific initiatives pertaining to the promotion of diversity

Tokio Marine Group's CSR

Human Resources Development Cycle (Tokio Marine & Nichido)

regardless of gender, age, nationality or disability, and strengthen our competitive
advantage.

building their careers and to help strengthen the independence of employees based on choice

Tokio Marine & Nichido Diversity and Inclusion Promotion Systemand self-responsibility. It is a key personnel system for maintaining and expanding the energy of
employees by allowing them to apply for jobs they want to try. In particular, locally based employees
in jobs not subject to relocation can take on the challenge of a new job in a different location, or
continue working after changing localities due to reasons such as marriage or a spouse’s relocation,
by applying through the Job Request System (U-turn and I-turn transfers*).

Core Theme 2 /Protecting the Earthown career vision. The company has introduced the Job Request System to support employees inCore Theme 3 /Supporting People

In addition to the Job Request System, the company offers employees the opportunity to declaretheir wishes regarding job transfers and future career visions from the perspective of putting theright people in the right jobs based on their career visions and transfer wishes.
*U-turn and I-turn
An application type transfer in which employees in jobs not subject to relocation can take on thechallenge of new jobs outside the traditional framework with a temporary relocation on the condition
that they must return to their original localities.

I-turn transfers

An application type transfer in which employees in jobs not subject to relocation can continue working
after changing localities due to reasons such as marriage or a parent’s or spouse’s relocation. Employees
are able to relocate while maintaining their position in the company at the same level of compensation.

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U-turn transfers

CSR Library*Not all employee relocation requests are approved.

CSR Performance Data (Job Request System) >>135

of “Tokio Marine Group will continue to build an open

and inclusion is synonymous with its growth strategy,

and dynamic corporate culture that enables each andand the Group CEO has been stressing the importanceevery employee to demonstrate his or her creativeof such effor ts at various meetings and seminars

potential,” ever y company in the Group respec ts

via a top management message. With the Diversity

human rights and encourages diversity in gender, age,

& Inclusion Promotion Team established within thenationality and other aspects. The Group also welcomes individuals with diverse values to bring them

Human Resources Department taking the lead, we are also accelerating our initiatives to promote

together to achieve even greater results.

the active engagement of female employees. At Tokio Marine Group consolidated companies inJapan, we aim to provide customers with products and services that achieve even greater customer
the Group’s Corporate Philosophy. For this purpose, we provide a variety of opportunities to every

Industry (METI). For this award, METI selects and commends “companies that have raised corporate

female employee at each Group company for autonomously building their careers and empoweringvalue through diversity-oriented management.” Tokio Marine & Nichido earned this award based

them in an even wider range of fields. For instance, an association of Group companies in Japanon high regard for its efforts such as enabling numerous women to continually take active roles byholds seminars on promoting female empowerment and Majikira discussions (a venue for discussing

helping protect motherhood, enhancing systems for supporting child rearing and transforming theserious topics in an open, frank and creative manner) for female employees in different occupations

overall roles of employees, and for promoting the employment of persons with disabilities while

and work environments. Participants get an insight into diverse values and philosophies, providing

raising consciousness of the principle of normalization.

the opportunity to think about and increase awareness of their own careers.

As a recent example, we held the TOKIO MARINE GROUP DIVERSITY FORUM in November 2017 andTokio Marine Holdings was selected as a “Nadeshiko Brand” in fiscal 2018, the fourth time following

again in November 2018 with the theme “unconscious bias” aimed at fostering a corporate culture

fiscal 2013, fiscal 2015 and fiscal 2017, in recognition of group-wide efforts to empower women andthat can draw out the potential of diverse personnel to the greatest extent possible and further

performance in terms of results. Further, the president announced his advocacy of a declaration ofpromoting diversity and inclusion. Some 120 people took part in the forum from Tokio Marine Groupaction stating that a group of male leaders dedicated to empowering women would accelerate thecompanies. Going forward, Tokio Marine Group will continue to implement various initiatives that

active participation of women who shine as well as the vision of the 30% Club Japan established inlead to diversity and inclusion promotion.

May 2019.
Tokio Marine & Nichido Career Service and Tokio Marine & Nichido Risk Consulting were granted
2017, respectively, as outstanding companies in terms of conditions related to promoting the active
participation of women. The certification has three stages depending on the number of assessment
items fulfilled and both companies received the top certification.

In seeking to achieve a state in which women commonly participate in every decision-making

Group discussion at the TOKIO MARINE GROUP
DIVERSITY FORUM

process, Tokio Marine & Nichido has set the target of increasing the ratio of female employees in sub-136

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Goals and Specific Measures for Empowering Female Employees

CSR Management“Eruboshi” certification by the Minister of Health, Labour and Welfare in April 2016 and JanuaryCore Theme 3 /Supporting People

satisfaction by further empowering and promoting the growth of female employees in keeping with

Diversity Management Selection 100, an award sponsored by the Ministry of Economy, Trade andCore Theme 2 /Protecting the EarthAs an example of accomplishments in promoting diversity, Tokio Marine & Nichido earned theCore Theme 1 /Providing Safety and Security

Tokio Marine Group regards the promotion of diversity

Governance■ Empowering Female Employees

Based on the Tokio Marine Group Corporate Philosophy

Tokio Marine Group's CSR■ Promoting Diversity and Inclusion

■ Promoting Active Roles for Older Employees

to the Act on the Promotion of Female Participation and Career Advancement in the Workplace.

Tokio Marine Group considers actively promoting the continued employment of older members
to be an important management issue in maintaining the sustainable growth of the Group as awhole. In addition to encouraging continuous self-advancement and changes in consciousness anda theme in management-level training and included the creation of an organization in which diverse

behavior on the part of employees themselves, the Group intends to provide fields of activity inhuman resources can play active roles as an assessment item of the Role Challenge System (internal

which employees can utilize their past experience and strengths to generate new added value whileassessment system). In 2015, we became a member of the IkuBoss Alliance, and through IkuBoss

maintaining high levels of motivation.
■ Promotion of Global Human Resources Strategy

As for the development of female employees, Tokio Marine & Nichido, with its fundamental three-

Amid the increasing importance of overseas business, Tokio Marine Group considers it essential topronged approach of setting expectations, conducting training and providing opportunities, assigns

build a human resources base that supports development into a global insurance group through thefemale employees responsibilities based on their individual career visions, provides year-round OJT,

hiring and developing of diverse human resources at Group companies around the world. To achieve

implements job rotation between departments and offers selection-based training programs such as

this goal, we formulated a global human resources strategy and have been promoting various

an area course career plan training program, thereby creating an environment that allows women tomeasures on an ongoing basis since 2012.

take on challenges according to their willingness and abilities.

Core Theme 1 /Providing Safety and Security

seminars, we continue to raise awareness.

GovernanceAs specific efforts, Tokio Marine & Nichido has incorporated “promotion of female empowerment” as

Tokio Marine Group's CSR

manager positions (chief or higher positions) to more than 50% in its action plan formulated pursuant

Pillars of Tokio Marine Group Global Human Resources Strategy(1) Develop Global Leaders

As a result of these initiatives, the number of women in management-level positions (excluding(2) Develop highly professional human resources for each function in line with expertise

executive officer) rose from eight in 2004 to 258 in 2019 at Tokio Marine & Nichido, marking(3) Expand the base of the global talent poolapproximately a 30-fold increase. There are also a large number of women taking on active roles as(4) Establish systems and infrastructure to spread the Company’s Corporate Philosophy

managers on the frontline of sales and claims services. The company will continue to promote such
efforts and expects the female manager rate to be more than 30% in 2030.

Core Theme 2 /Protecting the Earth

Results of Activities to Promote Active Roles for Female Employees

For “Develop Global Leaders,” we are implementing a number of measures aimed at development that
Tokio Marine Group started the Global Job Rotation Program in fiscal 2011 from the perspective ofNichido, there are three female directors as of 2019 (including one managing director). Other Group

actively utilizing motivated and capable overseas local talent. These and other initiatives are being

companies in Japan already have about 10 women in executive positions. In addition, one of the four

undertaken to develop and utilize highly professional human resources for each function in line with

Outside Directors and one of the three Outside Audit & Supervisory Board Members at Tokio Marine

expertise.

Marine & Nichido are female in order to ensure that a more diverse range of opinions is reflected in

The Group also provides a variety of development opportunities with the aim of broadening

management.

the horizons of this group of global human resources. This includes short-term overseas training
programs for Global Course third-year employees of Tokio Marine & Nichido, which started in fiscal

Tokio Marine & Nichido (Empowering Female Employees) (in Japanese) >>2012, and the dispatch of overseas trainees.

CSR Management

Holdings are female, while two of the three Outside Audit & Supervisory Board Members at Tokio

Core Theme 3 /Supporting People

include training for Global Leader candidates selected from Group companies worldwide. In addition,
A strong push is also being made to appoint women to executive positions. At Tokio Marine &CSR Performance Data (Number of directors and managers) >>A specialized department to take charge of global human resources was established at Tokio Marine
Holdings to steadily promote this initiative. At the same time, the Company regularly holds the137

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Tokio Marine Group’s Data on Empowering Female Employees (in Japanese) (PDF /76.2KB)

environment in which employees can work enthusiastically with a sense of satisfaction. It also intends

departments, human resources development common to the Group, personnel strategies and otherto become a company in which everyone can grow through work while keeping a sense of gratitude

matters. Going forward, the Company will continue to develop concrete measures while actively

and remaining considerate to others.

incorporating the opinions and requests of Group companies around the world.
CSR Performance Data (Rate of employment of persons with disabilities) >>My Relations with CSR: Aiming to Create Workplaces in Which Everyone Can Work with Enthusiasm

Aiming to broadly accept persons with disabilities and to become a corporate group in which diverse

Tokio Marine Business Support (in Japanese)

personnel work enthusiastically, Tokio Marine Group is promoting the employment of persons
with disabilities at Group companies and working to raise consciousness of normalization. Tokio

Aiming to be a Company in Which All People Respect and Support Each Other

Marine Business Support Co., Ltd., a special subsidiary based on the Disabled Persons Employment

Tokio Marine & Nichido Systems has actively been seeking to promote normalization for persons with

Promotion Law, is supporting Group development by providing services that include administrative

disabilities by making areas barrier free, hiring physicallysupport, printing and logistics.

challenged persons as IT engineers and having visually
impaired persons provide in-house massage services.

Promoting the Employment of Persons with Disabilities through a Special Subsidiary
From September 2009, the company has been running

employment of persons with intellectual and developmental disabilities, and in March 2010, thethe internal café, Smile Café, and Smile Office Service,company was the first in the non-life insurance industry to be approved as a special subsidiary underwhich provides general administrative services such as

the Disabled Persons Employment Promotion Law (328 employees as of June 1, 2019).

producing name cards and making printouts throughpersons with intellectual disabilities. Smile Café isused by around 400 people every day and is a place where employees can relax. It also sells breaddevelopmental disabilities who are considered to have fewer employment opportunities amongand sweets made at a nearby welfare facility. Smile Office Service is expanding the types of work it

persons with disabilities, are working at the Tokyo head office and at the Nagoya, Osaka and Kyushu

handles every year and has gained the trust of employees.

branch offices. These employees are supporting Group companies by performing such operations
as data input and processing, document enclosure and shipping and printing. In the collection andBy having general employees and persons with disabilities work together, synergetic effects aredestruction of confidential documents, one of its operations, the company has introduced a wet-type

being created in terms of cheering up each other and enhancing work satisfaction.

shredder that dissolves paper with water rather than by cutting, and by doing so, is simultaneously

Further, employees with disabilities started selling coffee as part of a welfare program to Tokio Marine& Nichido employees in 2017. Marking the second year of activity in 2018, the company has increased
the number of cafés to broaden the field of activities for persons with intellectual and developmental

CSR Librarydisabilities. Based on its corporate philosophy to 1) be an organization that provides support instead

CSR Management

Tokio Marine & Nichido Systems (in Japanese)

assuring information security and protecting the environment.

Core Theme 3 /Supporting People

A total of 183 employees with disabilities (as of June 1, 2019), mainly persons with intellectual andCore Theme 2 /Protecting the Earth

In January 2010, we established Tokio Marine Business Support with the aim of promoting theCore Theme 1 /Providing Safety and Security■Promoting the Employment of Persons with Disabilities

Governancepride in and 3) expand opportunities for taking active roles, the company is focusing on creating an

major Group companies to discuss measures to strengthen cooperation among human resources

Tokio Marine Group's CSR

Global Human Resources Conference by gathering the human resources department managers ofof being a support recipient, 2) be a company in which employees can have their dreams and take138

To support the realization of diverse working styles for each employee, Tokio Marine Group
companies have established a range of systems including the introduction of a system enabling

growth of the company and employees by having diverse human resources work with highemployees to flexibly change daily working hours (working hours free choice system) as well as

productivity.

childcare and nursing care leave, volunteer work leave and special consecutive paid holidays. In
particular, Tokio Marine & Nichido aims for 100% of employees to take special consecutive paid
hours free choice system is being utilized by at least 10% of all of our employees on a single monthstyles in order to provide even higher added value to customers.

basis.

As examples, Tokio Marine & Nichido and Tokio Marine & Nichido Life initiated Go Go Challenge

Through these systems, each employee has the ability to choose the best working style to fit the

Day (employees finish work at 5:30 p.m. once per week) and Season Challenge (all lights off andcircumstances he or she has been placed in. This has enabled us to create an environment in which

employees finish work at 8:00 p.m. for one month four times a year) so as to establish the custom of

employees with diverse values and a variety of experiences, including childcare and nursing care, caneach employee controlling his or her own work hours independently. In doing so, the company aims
for all employees to carry out these working practices.

continue to make a meaningful contribution. In addition, we give consideration to flexible working
arrangements through I-turn transfers*, Tokio Marine & Nichido’s job request system.

In addition, we allow the use of a dedicated app that enables the confirmation, sending and* I-turn transfers: An application type transfer in which employees in jobs not subject to relocation can continue working
after changing localities due to reasons such as marriage or a parent’s or spouse’s relocation.

receiving of company email from the individual’s mobile handset when on the move or with a
CSR Performance Data (Nursing care leave system) >>client. From an infrastructure perspective, we provide company mobile handsets depending on thenature of the work, and from a system perspective, home and mobile working are given as options
to all employees. We aim to ensure that diverse personnel can work at high productivity levels by■Support for Balancing Work and Childcare

establishing an environment in which people are free to choose work location and work times.

To k i o M a r i n e G r o u p s u p p o r t s t h e
at each Group company. In recognition

for personal growth (higher motivation to work, better health and enriched life) and linking theirof proactive initiatives for employees’

personal growth to higher added value we provide to customers, we aim to achieve sustainablec h i l d c a r e s u p p o r t , To k i o M a r i n e &growth of both the Group and employees.

Nichido, Tokio Marine & Nichido Life,

Core Theme 3 /Supporting Peoplebalance between work and childcare
By encouraging each employee to effectively utilize the extra time created through these initiatives& Nichido Risk Consulting, Tokio Marine& Nichido Systems and Tokio Marine &Tokio Marine & Nichido

Tokio Marine & Nichido
Tokio Marine & Nichido Systems

Nichido Medical Service were granted
the Next Generation Certification (Kurumin) subsequent to accomplishing the General Business

CSR Management

Tokio Marine Millea SAST, Tokio Marine
CSR Performance Data (Annual average actual working hours, number of thin-client terminal users) >>Core Theme 2 /Protecting the Earthholidays, which allows them to take five consecutive days off for any reasons. In addition, the working

Tokio Marine Group is pushing ahead with various initiatives in pursuit of highly productive working

Core Theme 1 /Providing Safety and Security■ Initiatives in Pursuit of Highly Productive Working Styles

Governance

Tokio Marine Group has been striving to reform working styles with the aim of driving sustainable

Tokio Marine Group's CSR■Personnel Systems Enabling Diverse Employees to Work with Independence

4. Reform of Working Styles

Owner Action Plan based on the Next Generation Nurturing Support Measures Promotion Law by the139

CSR Library

Minister of Health, Labour and Welfare. Of these companies, Tokio Marine & Nichido and Tokio Marinesystems that support both work and childcare and maintaining these efforts at a high standard.

a system backing the growth of employees wanting to work and advance their careers while raising

SponsorJanuary 2012

Nagoya City

Category
System of approving and awarding companies promoting theactive participation of women in Nagoya City in fiscal 2011

Ministry of“Family-friendly Enterprises Category” of the 2014 Equal
October 2014 Health, Labour Employment/Work-Life Balance Promotion Enterprises
and Welfare Commendation

children. Specifically, we have set up systems that go above and beyond what is mandated by law
and support measures realizing a smooth return to work as well as a good balance between work and• A childcare leave system up until the child turns one year and two months, as a general rule, that

System of certifying dynamic “G Companies” in Gunma Prefecture
in fiscal 2015

Gold certification

October 2015

Kobe City

System of commending enterprises encouraging active
engagement of both male and female employees in fiscal 2015

Selected by Kobe City as anenterprise encouraging active
engagement of both male andfemale employees

April 2016

Osaka City

System certifying leading companies in empowering females in
Osaka City

Selected as a 2-star Ikumen
certified company

January 2017

Aichi
Prefecture

System certifying companies empowering females in Aichi

Certified by Aichi Prefecture as acompany empowering females

July 2017

Nagoya City

System certifying companies promoting a good work/life balance
in Nagoya

Certified by Nagoya City as acompany promoting a goodwork/life balance

February 2018

Gunma
Prefecture

System of certifying dynamic “G Companies” Gold certification in
Gunma Prefecture

Outstanding award for being an
excellent workplace for fiscal 2017

April 2018

Iwate
Prefecture

System certifying companies empowering females in Iwate

Certified by Iwate Prefecture as acompany empowering females

February 2019

Toyohashi
City

System certifying and awarding companies supporting childcare in Certified by Toyohashi City as a
Toyohashi City
company supporting childcare

leave• Implementing a telecommuting system for all employees• Holding seminars and opinion exchange meetings for system users and their superiors and partners
In recognition of these systems and the company’s other proactive initiatives for employees’ childcare
support, Tokio Marine & Nichido has received the following awards thus far.

CSR Management

Co-working area set up within the head office building of Tokio
Marine & Nichido, serving as a place where employees naturally
gather and become connectedCore Theme 3 /Supporting People

CSR Performance Data (Retiree rehiring system, maternity leave system, etc.) >>Core Theme 2 /Protecting the Earth

Gunma
Prefecture

the child is in the third year of elementary school• Introducing a system allowing the viewing of company information from home during childcare

Minister’s Excellence Award

July 2015

may be extended up to two years depending on circumstances• A shortened work hours system that can be used from pregnancy to the end of the fiscal year when

Excellent Award

Core Theme 1 /Providing Safety and Security

childcare. The number of people using these systems is increasing every year.

Award

Governance

Tokio Marine & Nichido has established the “mama & papa career advancement support system” as

Date

Tokio Marine Group's CSR& Nichido Systems have been accredited with the Platinum Kurumin for introducing and utilizing

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Tokio Marine Group's CSR

CSR Library

GovernanceCore Theme 1 /Providing Safety and Security

We introduce the editorial policy of this report and other information.

CSR activities of Tokio Marine Group that have a high degree of importance and are highly

Overview of Tokio Marine Group CSR reporting and the Group’s communication tools

relevant as topics

Tokio Marine Group is reviewing its CSR activities based on ISO 26000 standards to further

Principle quantitative data for the CSR activities of Tokio Marine Group

improve its CSR.

Editorial Policy >>Tokio Marine Group has received assurance from a third-party institution for its Sustainability

Our editorial policy is to report on the principal CSR activities of Tokio Marine Group in fiscal

Report from the point of view of ensuring the credibility of disclosure and greater transparency.

2018 to all of our stakeholders.

CSR Management

Third - Party Assurance >>Core Theme 3 /Supporting People

Recognition about ISO 26000 >>CSR Performance Data >>Core Theme 2 /Protecting the EarthGRI Standards Content Index >>Overview of Group CSR Reporting >>CSR Library141

Tokio Marine Group's CSR

Overview of Group CSR Reporting
We introduce the Tokio Marine Group Overview of Group CSR Reporting and CSR communication tools.

Governance

About the Group’s CSR Report

Tokio Marine Group’s Principal CSR Communication Tools

Tokio Marine Group began publishing the Environmental Report in 2000. Along with the creation
Tool

October 2004, from 2005 Tokio Marine Group has been publishing the CSR Report, which summarizes

Content

Main readers

the Group’s CSR activities. In 2012, we changed the name of this report to the Sustainability

Date ofpublication(scheduled)

PDF

Booklet

Report and from the perspective of conserving paper resources and enhancing convenience, we
discontinued the printed version and began publishing web-based and PDF versions.

Japanese:
September

Provides details of Tokio Marine

In 2015 we revamped our home page and created the Tokio Marine Holdings Corporate Website (CSR

Sustainability Report Group’s approach to CSR and relatedpage) as part of efforts to communicate CSR information in an easier-to-understand manner and on a

All readers

strategies using relevant data

timely basis through multiple devices, including smartphones and tablet devices.

◯

English:◯Tokio Marine Group is working to enhance communications with stakeholders toward a secure, safe
and sustainable future. For this reason, Tokio Marine Group believes that familiarizing numerous
stakeholders with its CSR efforts and collaborating and cooperating with them is important.
Therefore, we regard the CSR Report as absolutely essential in undertaking the Group’s business
operations and are disclosing information through this report.

Sustainability Booklet

General readerseasy-to-understand format(general public)presenting medium- to long-term
corporate initiatives concerning value
creation

◯

◯

◯

◯

◯

Investors
English: end of
August

CSR Management

and non-financial information while◯

Augustfinancial information relates to CSR
ReportEnglish: October

Japanese: end of

Concisely describes how Group
Integrated Annual◯

Core Theme 3 /Supporting People

Reports on the latest CSR topics in an

Japanese: July

Core Theme 2 /Protecting the Earth

NovemberCore Theme 1 /Providing Safety and Securityof Tokio Marine & Nichido Fire Insurance through the merger of Tokio Marine and Nichido Fire in

CSR Library142

［ CO2 emissions ］

We provide principal CSR performance data for Tokio Marine Group.

From fiscal 2015, we began calculating Scope 3 “Category 1: Purchased goods and services (Purchased

Reporting Period and Reporting Organizations

Tokio Marine Group's CSR

CSR Performance Data

paper),” “Category 3: Fuel- and energy-related activities not included in Scope 1, 2” and “Category 5:
2018, CO2 emissions (Scope 1+2+3) for Tokio Marine Holdings and major subsidiaries were 111,509• Reporting organizations: Tokio Marine Holdings and major subsidiaries

tons (domestic: 77,511 tons, overseas: 33,999 tons) versus the initial-year target of 114,091 tons (-1%Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

target. The principal factor was efforts to reduce environmental loads.

Corporate Governance［ Data coverage rate］

For details, please refer to Corporate Governance Report.
Corporate Governance (Corporate Governance Report)

We calculate 100% (employee base) of Tokio Marine Holdings and major subsidiaries (excluding

Engagement with Shareholders and Investors >>Scope 3 “Category 5: Waste generated in operations” and “Category 6: Business travel (by air)).
(Unit: tons)

Internal Control

Fiscal 2017

Fiscal 2018

119,420

115,244

111,509 ☑

1
Domestic*

85,66580,545Internal Control

Breakdown

77,511 ☑

2
Overseas*

33,75534,69933,999 ☑

14,474
Domestic: 10,099
Overseas: 4,375

15,007 ☑
Domestic: 9,512 ☑
Overseas: 5,494 ☑

Scope 2

Indirect(Electricity, chilled/hot water, etc.)

76,0371
Domestic* : 53,609
2Overseas* : 22,428

72,069Domestic: 49,126
Overseas: 22,943

67,203☑
Domestic: 46,471☑
Overseas: 20,731☑

Total

28,4661
Domestic* : 21,590
2Overseas* : 6,876

28,702
Domestic: 21,321
Overseas: 7,381

29,300☑
Domestic: 21,527☑
Overseas: 7,773☑

Category 1:
Purchased goods and services (Paper usage)

15,4991
Domestic* : 14,201
2
Overseas* : 1,297

15,580
Domestic: 13,801
Overseas: 1,779

14,765☑
Domestic: 13,460☑
Overseas: 1,304☑

Category 3:
Fuel- and energy-related activities not included in
Scope 1, 2 (Electricity, steam and chilled/hot water
usage)

5,582
1
Domestic* : 3,967
2Overseas* : 1,616

5,459
Domestic: 3,736
Overseas: 1,759

5,280☑
Domestic: 3,615☑
Overseas: 1,665☑

748*

802

1,070☑

6,638
Domestic*: 2,674
Overseas*: 23,964(Coverage rate: 75.1%)

6,824
Domestic: 2,982
Overseas: 3,843(Coverage rate: 100%)

8,186☑
Domestic: 3,382☑
Overseas: 4,804☑
(Coverage rate: 100%)

3.07

2.94

2.82

38,842 persons

39,191 persons

39,521 persons

3,459

3,521

3,335 ☑

Improving Quality from the Customer’s Perspective
Improving Quality from the Customer’s Perspective >>Tokio Marine Group’s CSR Promotion Structure and Materiality / Plans andResults of CSR Initiatives
Tokio Marine Group’s CSR Promotion Structure and Materiality / Plans and Results of CSR Initiatives >>Scope 3Category 5:
Waste generated in operations (Waste generation)

Environment■CO2 Emissions from Energy Sources and CO2 Absorption and Fixation

Category 6:
Business travel (by air)(Tokio Marine Holdings and major subsidiaries)［ Reduction targets for CO2 emissions］

CO2 emissions per employee• Medium-term target (fiscal 2017) : -3% (compared with fiscal 2014 level)

Number of employees (consolidated fiscal year base)• Reduction target in fiscal 2018 : -1% compared with the previous year

CO2 absorption and fixation* Excluding CO 2 absorption and fixation (FY2018: 150,000 t)
through mangrove planting

143

3

CSR Library

14,9161
Domestic* : 10,466
2Overseas* : 4,450

CSR Management

Direct(Gas, heavy oil, gasoline, etc.)

Core Theme 3 /Supporting People

Scope 1

Core Theme 2 /Protecting the EarthFiscal 2016
CO2 emissions

Core Theme 1 /Providing Safety and Security

from the previous fiscal year) and -3.2% compared with the previous fiscal year, thereby achieving theGovernanceWaste generated in operations” as we expanded the scope of calculation for CO2 emissions. For fiscal• Reporting period: Report on results for fiscal 2018 (April 1, 2018 – March 31, 2019)Data calculation method (☑items)

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF / 668.5KB)

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)“1. Calculation Method of CO2 emissions originating from energy consumption and CO2 absorption and fixation”“1. Calculation Method of Environmental load data”

Data collection scope (☑items)

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

Companies in which the headquarters is in Japan of “2. Tokio Marine Holdings and its subsidiaries (as of March 31, 2019)”

Companies of “2. Tokio Marine Holdings and its subsidiaries (as of March 31, 2019)”

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

Companies in which the headquarters is located overseas of “2. Tokio Marine Holdings and its subsidiaries (as of March■CO2 Emissions from Energy Sources (Tokio Marine & Nichido)

31, 2019)”[CO2 emissions reduction targets]*3 Tokio Marine & Nichido Fire Insurance Co., Ltd., Nisshin Fire & Marine Insurance Co., Ltd., Tokio Marine & Nichido• Medium-term target (fiscal 2020): -40% reduction (compared with fiscal 2006 level)

Facilities, Inc. and Tokio Marine Nichido Better Life Service Co., Ltd.

• Long-term target (fiscal 2050): -60% reduction (compared with fiscal 2006 level)• Reduction target in fiscal 2018: -1% compared with the previous year

■Environmental Load Data (Tokio Marine Holdings and major subsidiaries)
Fiscal 2016

Fiscal 2017

Fiscal 2018

Electricity usage

1,000 kWh(G J)

148,466(534,476)

145,944(525,398)

140,803 ☑
(506,892)

Gas usage

1,000 m3
(GJ)

1,626
(70,958)

1,587(69,253)

1,307 ☑
(57,054)

Steam and chilled/
hot water usage

GJ

23,506

23,634

21,271 ☑

Gasoline usage

kℓ
(G J)

4,835
(167,296)

4,682(161,991)

5,133 ☑
(177,587)

Heavy oil usageℓ(GJ)

29,192(1,141)

29,749(1,241)30,823 ☑
(1,434)

Business travel (by air)

1,000 k m

64,21571,366

83,686 ☑

Paper usage

t

8,469

8,514

8,068 ☑

[CO2 emissions]
From fiscal 2015, we began calculating Scope 3 “Category 1: Purchased goods and services (Purchased
paper),” “Category 3: Fuel- and energy-related activities not included in Scope 1, 2” and “Category 5:
Waste generated in operations” as we expanded the scope of calculation for CO2 emissions. For fiscal
2018, CO2 emissions (Scope 1+2+3) of Tokio Marine & Nichido were 59,664 tons versus the initial-yeartarget of 61,732 tons (-1% from the previous fiscal year) and - 4.3% compared with the previous fiscal
year due to energy conservation efforts.

Core Theme 2 /Protecting the Earth

Units

Core Theme 1 /Providing Safety and Security*2

Governance

Data collection scope (☑items)*1

Tokio Marine Group's CSR

Data calculation method (☑items)

Core Theme 3 /Supporting People
CSR Management
CSR Library144

100.0% of Tokio Marine & Nichido overall (employee base)(Unit: tons)

CO2 emissions

Fiscal 2017

66,97962,356

59,664☑

7,525

7,344

6,920☑

Scope 2

Indirect(Electricity, chilled/hot water, etc.)

41,84537,89135,609☑

Total

17,60917,121

17,135☑

Scope 3

11,92379,491（286,166）

74,166（266,997）

71,400☑
（257,075）

Gas usage

1,000 m3
(G J)

788
（34,976）792（35,142）706☑
（31,272）

Steam and chilled/hot water usage

GJ

22,787

20,67920,509☑

Gasoline usage

kℓ
(G J)

2,428
（84,016）

2,338（80,883）

2,239☑
（77,463）

Heavy oil usage

ℓ
(G J)

22,367（875）

25,447（995）

25,722☑
（1,006）

2,913

2,813☑

Category 5:
Waste generated in operations (Waste generation)

654

707

970☑

Business travel (by air)

1,000km

14,81815,231

15,273☑

Category 6:
Business travel (by air)

1,559

1,578

1,704☑

Water usage

1,000m 3

317

307

287☑

3.86

3.57

3.45

Paper usage

t

6,703

6,516

6.365 ☑

Waste

t

3,652

3,739

4,136 ☑

Recycling rate

%

59

57.9

57.1 ☑

17,368 persons 17,483 persons 17,264 persons

Data calculation method (☑items)

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF / 668.5KB)

Data calculation method (☑items)

Data collection scope (☑items)

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

Tokio Marine & Nichido“1. Calculation Method of Environmental load data”

Tokio Marine & Nichido

145

CSR Library

Data collection scope (☑items)

CSR Management“1. Calculation Method of CO2 emissions originating from energy consumption and CO2 absorption and fixation”

Core Theme 3 /Supporting People

1,000 kWh(G J)Core Theme 2 /Protecting the Earth

3,131

Number of employees

Electricity usage

11,647☑

Category 3:
Fuel- and energy-related activities not included in
Scope 1, 2 (Electricity, steam and chilled/hot water
usage)

CO2 emissions per employee

Fiscal 2018

Core Theme 1 /Providing Safety and Security

Direct(Gas, heavy oil, gasoline, etc.)

12,266

Fiscal 2017

Fiscal 2018

Scope 1Category 1:
Purchased goods and services (Paper usage)

Fiscal 2016

GovernanceFiscal 2016

Units

Tokio Marine Group's CSR■ Environmental Load Data (Tokio Marine & Nichido)［ Data coverage rate]Fiscal 2018

Tokio Marine Holdings and major subsidiaries (employee base) are calculated as 100%.

Male: 46.5
Female: 36.1
Overall: 41.5

Male: 47
Female: 36
Overall: 41.5

Male: 47
Female: 37
Overall: 41.8

Male: 11.8
Female: 10.8
Overall: 11.4

Male: 12
Female: 11
Overall: 11.5

Male: 12
Female: 11
Overall: 11.8

Average salary

Approx. ¥829 thousand

Approx. ¥852 thousand

Approx. ¥816 thousand

Turnover rate*

2.1%

2.2%

2.1%

Average age

Tokio Marine Holdings and domestic major subsidiaries :Average years

65.8% of Tokio Marine Holdings and major subsidiaries (employee base)continuously employed

Tokio Marine & Nichido:
46.6% of Tokio Marine Holdings and major subsidiaries (employee base)■Basic Data

［Number of employees (Tokio Marine Holdings and major subsidiaries)］*The turnover rate is calculated based on the number of personnel who quit voluntarily (excluding the age-limit retirement).

Fiscal 2017

Fiscal 2018

Total number of employees(consolidated fiscal year base)38,842

39,19140,848Tokio Marine Holdings anddomestic major subsidiaries

Male: 13,195
Female: 12,122
Overall: 25,317

Male: 13,144
Female: 12,345
Overall: 25,489

Male: 12,924☑
Female: 12,478☑
Overall: 25,402☑

Tokio Marine Holdings andoverseas major subsidiaries

Asia: 2,789
North and Central
Americas: 9,786
Europe: 950
Overall: 13,525

Asia: 2,820
North and Central
Americas: 10,044
Europe: 1,028
Overall: 13,892

Asia: 3,182
North and Central
Americas: 10,480
Europe: 981
Overall: 14,643［ Number of new hires (Tokio Marine & Nichido)］
Fiscal 2016

Fiscal 2017

Fiscal 2018

Male: 198
Female: 556
Overall: 754

Male: 162
Female: 530
Overall: 692

Male: 185
Female: 391
Overall: 576

Fair Personnel System and Management［Basic Employee Data (Tokio Marine Holdings)］
The ratio between the total annual compensation of the Chief Executive Officer
and the mean employee compensation *Fiscal 2018

Fiscal 201910.9 %

10.6%

Fiscal 2017

Fiscal 2018

Respondents

15,766(Response rate : 89%)

15,880(Response rate : 90%)

15,660(Response rate : 88%)

Level of satisfaction

Male: 90.0%
Female: 83.0%
Overall: 86.0%

Male: 89.0%
Female: 83.0%
Overall: 85.0%

Male: 88%
Female: 81%
Overall: 84%* The total CEO Compensation / The mean employee compensation

Data calculation method (☑items)
Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)“1. Calculation Method of Basic data on human rights and labor, and use of diverse human resources”［Labor union participation rate (Tokio Marine Holdings and domestic major subsidiaries)］

Data collection scope (☑items)
Companies in which the headquarters is in Japan of “2. Tokio Marine Holdings and its subsidiaries (as of March 31, 2019)”

146

Fiscal 2016

Fiscal 2017

Fiscal 2018

99%

99.9%

100%

CSR Library

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

CSR Management

Fiscal 2016

Core Theme 3 /Supporting People［Employee attitude survey (Tokio Marine & Nichido)］

Core Theme 2 /Protecting the EarthFiscal 2016

Core Theme 1 /Providing Safety and Security

Fiscal 2017

GovernanceFiscal 2016

■Data coverage rate

Tokio Marine Group's CSR［ Basic employee data (Tokio Marine & Nichido)］

Human Rights and Labor

Utilizing Diverse Human Resources［ Employee training (Tokio Marine & Nichido)］［Number of directors and managers (Tokio Marine Holdings and domestic major subsidiaries)］
Fiscal 2018

Total training hours

510,104 hrs.

444,091 hrs.

269,358 hrs.

Average training hours
per employee

34.9 hrs.

30.15 hrs.

19.00 hrs.

Total training cost

¥1,206,783,618

Average training cost
per employee¥1,252,742,000¥82,470¥85,041

Fiscal 2017

Fiscal 2018

Directors(including executive officers)

Male: 180
Female: 8Overall: 188

Male: 182
Female: 10
Overall: 192

Male: 211☑
Female: 11☑
Overall: 222☑

General managers

Male: 701
Female: 25
Overall: 726

Male: 745
Female: 31
Overall: 776

Male: 768☑
Female: 35☑
Overall: 803 ☑

Section managers

Male: 2,785
Female: 271
Overall: 3,056

Male: 2,728
Female: 290
Overall: 3,018

Male: 2,660☑
Female: 333☑
Overall: 2,993☑

Managers(general managers andsection managers) total

Male: 3,486
Female: 296
Overall: 3,782

Male: 3,473
Female: 321
Overall: 3,794

Male: 3,428☑
Female: 368☑
Overall: 3,796☑

(Deputy managers)*Only Tokio Marine & Nichido

Male: 1,840
Female: 369
Overall: 2,209

Male: 1,787
Female: 393
Overall: 2,180

Male: 1,736
Female: 423
Overall: 2,159¥1,028,502,256¥69,933［ Job request system (job posting system) (Tokio Marine & Nichido)］
Fiscal 2016

Fiscal 2017

Fiscal 2018

Applicants: 344
Approval: 202

Applicants: 334
Approval: 184

Applicants: 309
Approval: 189*Approved requests take effect in the fiscal year after that of the application.

Data calculation method (☑items)
Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)

Core Theme 2 /Protecting the EarthFiscal 2016

Core Theme 1 /Providing Safety and Security

Fiscal 2017

GovernanceFiscal 2016

Tokio Marine Group's CSR

Development of Human Resources“1. Calculation Method of Basic data on human rights and labor, and use of diverse human resources”

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)
Companies in which the headquarters is in Japan of “2. Tokio Marine Holdings and its subsidiaries (as of March 31, 2019)”

Directors and officers

Rate

5

7.5%

CSR Management［ Number of female directors (Tokio Marine & Nichido, as of April 1, 2019)］

Core Theme 3 /Supporting People

Data collection scope (☑items)

CSR Library147

［ Resumption of work support system (Tokio Marine Holdings and domestic major subsidiaries)］(Tokio Marine Holdings and domestic major subsidiaries)］
Fiscal 2017

Fiscal 2018

Fiscal 2016

Fiscal 2017

Fiscal 2018

642

721

753

1,026

1,061

1,298

［ Rate of employment of persons with disabilities］［Return to work rate after taking childcare leave (Tokio Marine Holdings and domestic major subsidiaries)］

Fiscal 2017

Fiscal 2018

Fiscal 2016*

Fiscal 2017

Fiscal 2018

2.20%

2.20%

2.80%

Male: 100％

Male: 100％

Male: 100％

Female: 95.5％

Female: 96.7％

Female: 97.2％*Only Tokio Marine & Nichido

Reform of Working Styles［Employee retention rate after taking childcare leave (Tokio Marine Holdings and domestic major subsidiaries)］［ Retiree rehiring system (Tokio Marine Holdings and domestic major subsidiaries)］
Fiscal 2017

Fiscal 2018

29

28

17

Fiscal 2018

539

642

712

Fiscal 2018

Male: 174
Female: 1,039
Overall: 1,213

Male: 204
Female: 1,080
Overall: 1,284

Male: 150
Female: 1,195
Overall: 1,345

Male: 99％

Male: 100％

Female: 94.9％

Female: 98.1％

Female: 97.2％

Fiscal 2016

Fiscal 2017

Fiscal 2018

41

55

42

［ Nursing care leave system (Tokio Marine Holdings and domestic major subsidiaries)］［ Short working hours system (Tokio Marine Holdings and domestic major subsidiaries)］

Fiscal 2016

Fiscal 2017

Fiscal 2018

13

16

34

［Nursing care temporary retirement system (Tokio Marine Holdings and domestic major subsidiaries)］

Fiscal 2017

Fiscal 2018

Fiscal 2016

Fiscal 2017

Fiscal 2018

1,066

1,230

1,285

9

11

17

148

CSR Library

Fiscal 2016

CSR Management

Fiscal 2017

Male: 100％

［ Spouse childbirth leave (Tokio Marine Holdings and domestic major subsidiaries)］［ Childcare leave system (Tokio Marine Holdings and domestic major subsidiaries)］
Fiscal 2016

Fiscal 2018

Core Theme 3 /Supporting People

Fiscal 2017

Fiscal 2017

*Only Tokio Marine & Nichido［ Maternity leave system (Tokio Marine Holdings and domestic major subsidiaries)］
Fiscal 2016

Fiscal 2016*

Core Theme 2 /Protecting the EarthFiscal 2016

Core Theme 1 /Providing Safety and Security

Fiscal 2016

GovernanceFiscal 2016

Tokio Marine Group's CSR［ Number of employees using the system for continued employment of older employees

Fiscal 2017

Fiscal 2018

Category

Fiscal 2014

Fiscal 2015

Fiscal 2016

Fiscal 2017

Fiscal 2018

Fiscal 2019
Numerical
Targets

1954.2 hrs.

1949.3 hrs.

1949.6 hrs.

Specific health guidance
implementation rate

53.0%

55.8%

59.2%

58.2%

59.8%

Over 60 %［ Participation in health improvement measures (Tokio Marine & Nichido)］［ Monthly average overtime hours (Tokio Marine & Nichido)］
Fiscal 2017

Fiscal 2018

Category

Fiscal 2014

Fiscal 2015

Fiscal 2016

Fiscal 2017

Fiscal 2018

Fiscal 2019
Numerical
Targets

20.5 hrs.

20 hrs.

20.7 hrs.

Number of employees who
participated in Health Promotion
Month/Health Challenge

3,535

4,170

4,876

6,599

7,478

Over 7,600*Including legal overtime hours［ Number of annual paid leave days taken (Tokio Marine & Nichido)］
Fiscal 2016

Fiscal 2017

Fiscal 201814.5 days

15.2 days

15.2 days［ Health status of employees (Tokio Marine & Nichido)］

Fiscal 2016

Fiscal 2017

Fiscal 2018

5,278 (All employees: 14,211)

6,004 (All employees: 17,483)

9,046 (All employees: 17,264)

Fiscal 2015

Fiscal 2016

Fiscal 2017

Fiscal 2018

Fiscal 2019
Numerical
Targets

Findings at a regular health checkup

50.3%

49.9%

50.1%

49.3%

50.5%

Under 50 %Persons maintaininga healthy body weight (BMI)

68.8%

69.3%

69.7%

68.9%

68.4％

Over 70 %Smoking rate

16.3%

15.8%

15.7%

15.3%

14.5％

Under 14%

Stress test execution rate

91.4%

94.8%

97.5%

97.4%

97.9%

Over 98%［ Independent initiative implementation status (Tokio Marine & Nichido)］［ Percentage of employees who received health checks (Tokio Marine & Nichido)］
Fiscal 2015

Fiscal 2016

Fiscal 2017

Fiscal 2018

Percentage of employees who
received health checks

99.9%

99.8%

100%

100%

100%

100%

Percentage of employees who underwent a
detailed examination after a regular checkup

82.3%

91.2%

89.8%

88.7%

88.5%

Over 90%

Uterine cancer screening rate

ー

59.2%

61.7%

63.2%

62.8%

64.2%

Breast cancer screening rate

ー

74.8%

76.9%

79.6%

78.2%

80.2%

Prostate cancer screening rate

ー

74.6%

74.2%

74.9%

75.3%

ー

Fiscal 2014

Fiscal 2015

Fiscal 2016

Fiscal 2017

Fiscal 2018

Fiscal 2019
Numerical
Targets

Number of employees participating
in anti-obesity initiatives
for young employees

200

153

226

219

230

Over 250

CSR Library

Fiscal 2014

Category

CSR Management

Category

Fiscal 2019
Numerical
Targets

Core Theme 3 /Supporting People

Health Management and Occupational Health and Safety

Fiscal 2014

Core Theme 2 /Protecting the Earth［ Number of thin-client terminal users (at home and/or out of office) (Tokio Marine & Nichido)］

Category

Core Theme 1 /Providing Safety and Security

Fiscal 2016

GovernanceFiscal 2016

Tokio Marine Group's CSR［ Specific health guidance implementation rate (Tokio Marine & Nichido)］［ Annual average actual working hours (Tokio Marine & Nichido)］149

Occupational accidents
Fiscal 2017

Fiscal 2018

58

82 *

101☑

* Due to expansion of scope of business of domestic major subsidiaries

Commuting accidents
Fiscal 2017

Fiscal 2018

43

78 *

75☑

Fiscal 2017

Fiscal 2018

Total training hours

22,474 hrs.

22,833 hrs.

19,193 hrs.

Training hours
per employee

1 hr.

1 hr.

1 hr.

Participation rate

100%

100%

100%

Local Community and Social Contribution Activities*Due to expansion of scope of business of domestic major subsidiaries［ Employee participation rate in volunteer activities(Tokio Marine Holdings and domestic major subsidiaries)］［ Absentee Rate* (Tokio Marine & Nichido)］
Fiscal 2019

0.85% ☑

1.08% ☑

Fiscal 2016

Fiscal 2017

Fiscal 2018139%

136.2%

135%*Total days lost due to absenteeism / Total days scheduled to be worked［ Number of employees who took volunteer leave(Tokio Marine Holdings and domestic major subsidiaries)］

Data calculation method (☑items)
Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)“1. Calculation Method of Industrial accidents”

Fiscal 2017

Fiscal 2018

96

119

122

Method of Calculation and Scope in Data Collection for Key CSR Indicators (PDF/668.5KB)
Companies in which the headquarters is in Japan of “2. Tokio Marine Holdings and its subsidiaries (as of March 31, 2019)”［ Donations (Tokio Marine Holdings and domestic major subsidiaries, including monetary andin-kind donations by employees and agents)］
Fiscal 2017

Fiscal 2018

1
Approx. ¥1,474 million*(includes disaster support ofapprox. ¥49 million)［Human rights training participation rate (Tokio Marine Holdings and domestic major subsidiaries)］

Approx. ¥1,689 million(includes disaster support ofapprox. ¥47 million)

Approx. ¥1,472 million(includes disaster support ofapprox. ¥2 million)

Fiscal 2017

Fiscal 2018

99.6%

99.7%

99.9%

* This includes donations by employees and agents, miscellaneous expenses for social contribution programs, payments in kind,
opened facilities and employee dispatching.
*1 Data have been amended due to change in calculation method.

150

CSR Library

Fiscal 2016

CSR Management

Fiscal 2016

Human Rights

Core Theme 3 /Supporting People

Data collection scope (☑items)

Fiscal 2016

Core Theme 2 /Protecting the EarthFiscal 2018

Core Theme 1 /Providing Safety and Security

Fiscal 2016

Fiscal 2016

GovernanceFiscal 2016

Tokio Marine Group's CSR［ Human rights training hours (Tokio Marine & Nichido)］［ Industrial accidents (Tokio Marine Holdings and domestic major subsidiaries)］

Tokio Marine Group's CSR

Third-Party Assurance
Tokio Marine Holdings has received a third-party assurance of the Tokio Marine Group Sustainability
Report 2019 from Ernst & Young ShinNihon LLC with the aim of further improving the level ofGovernancecommunication with stakeholders. (The independent third-party assurance logo☑ is marked whereappropriate).
By obtaining the external assurance, we will work to improve the quality of Tokio Marine Group

Core Theme 1 /Providing Safety and Security

sustainability reporting. Tokio Marine Holdings has consecutively received same third-party
assurances in fiscal 2015, 2016 and 2017 as well.
Environment☑ CO2 emissions from Energy Sources and CO2 Absorption and Fixation(Tokio Marine Holdings and major subsidiaries) >>☑ Environmental Load Data (Tokio Marine Holdings and major subsidiaries) >>☑ CO2 Emissions from Energy Sources (Tokio Marine & Nichido) >>☑ Environmental Load Data (Tokio Marine & Nichido) >>Core Theme 2 /Protecting the Earth

Human Rights and Labor☑ Number of employees (Tokio Marine Holdings and major subsidiaries) >>☑ Number of directors and managers (Tokio Marine Holdings and domestic major subsidiaries) >>☑ Absentee rate (Tokio Marine & Nichido) >>☑ Industrial accidents (Tokio Marine Holdings and domestic major subsidiaries) >>Core Theme 3 /Supporting People
CSR Management151

CSR Library

Click on the image for an enlarged view

Tokio Marine Group's CSR

GRI Standards Content Index
Sustainability Report 2019 is prepared in accordance with the Core option of the Global Reporting
Initiative (GRI) Standards.
General Disclosures102-12 External initiatives
GRI Standards

General Disclosures

Page Number/URL (Reasons for Omission)

Page Number/URL (Reasons for Omission)・External Evaluations and Participation in Initiatives

GRI 101: Foundation 2016 (GRI 101 does not include General Disclosures)
102-13 Membership of associations

・External Evaluations and Participation in Initiatives

Universal Disclosures
2. Strategy
1. Organizational profile
Corporate Information (Company Information)

102-2 Activities, brands, products, andservices

Tokio Marine Group

102-3 Location of headquarters

Corporate Information (Company Information)

102-4 Location of operations

Tokio Marine Group

102-5 Ownership and legal form

Investor Relations > Stock Information > Stock
Information

102-6 Markets served

Tokio Marine Group・Top Message

3. Ethics and integrity
102-16 Values, principles, standards,
and norms of behavior

・Tokio Marine Group's Approach to CSR

4. GovernanceCorporate Information > Internal Control
Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
Promotion Structure

Tokio Marine Group
102-7 Scale of the organization

5. Stakeholder engagement

Investor Relations > Financial Data
102-8 Information on employees andother workers

・CSR Performance Data >Human Rights and Labor > Basic
Data Number of employees (Tokio Marine Holdings andmajor subsidiaries)

・CSR in the Value Chain

102-10 Significant changes to theorganization and its supply chain

・Editorial Policy > Scope of this Report102-11 Precautionary Principle ofapproach・Internal Control > 2. Risk Management
・External Evaluations and Participation in Initiatives

152

・Stakeholder Engagement > Tokio Marine Group’s
Stakeholders

102-41 Collective bargaining
agreements

・CSR Performance Data > Fair Personnel System andManagement > Labor union participation rate (Tokio Marine
Holdings and domestic major subsidiaries)

102-42 Identifying and selecting
stakeholders

・Stakeholder Engagement102-43 Approach to stakeholder
engagement

・Stakeholder Engagement > Tokio Marine Group’s
Stakeholders

102-44 Key topics and concerns raised

・Stakeholder Engagement > Opinions Received from
Experts in the Past and Subsequent Responses[Engaged stakeholders are selected by eliminating antisocial forces and adhering to guidelines and policies ofrelated businesses. CSR dialogue participants are selectedbased on their suitability for the theme.]

CSR Library

Making Society Resilient to Natural Disasters > 2. Productand Service Planning and Research

102-40 List of stakeholder groups

CSR Management[Information on employee gender at overseas major
subsidiaries, employment contract and employment typeare not disclosed.]
102-9 Supply chain

Corporate Information > Corporate GovernanceCore Theme 3 /Supporting People

GRI 102:
GeneralDisclosures2016

102-18 Governance structure

GRI 102:
GeneralDisclosures
2016

Core Theme 2 /Protecting the Earth102-1 Name of the organization

102-14 Statement from seniordecision-makerCore Theme 1 /Providing Safety and Security

・Creating a Society Where People Can Live with Security
through Sustainable Investments and Financing > Study andResearch on Sustainable Investments and Financing

Governance

GRI Standards

GRI Content Index (in accordance with Core)

General Disclosures

Page Number/URL (Reasons for Omission)GRI Standards

6. Reporting practice102-45 Entities included in the
consolidated financial statements

Indirect Economic Impacts
・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

Tokio Marine Group

102-47 List of material topics

・Tokio Marine Group’s Approach to CSR > Tokio Marine
Group’s Approach to CSR and Group Core CSR Themes andMateriality

102-48 Restatements of information

・Editorial Policy > Scope of This Report102-49 Changes in reporting

Not applicable

102-50 Reporting period

・Editorial Policy > Scope of This Report102-51 Date of most recent report

・Editorial Policy > Date of Publication

102-52 Reporting cycle

・Editorial Policy > Date of Publication

102-53 Contact point for questions
regarding the report

・Editorial Policy

102-54 Claims of reporting inaccordance with the GRI Standards

・GRI Standards Content Index

102-55 GRI content index

・GRI Standards Content Index

102-56 External assurance

・Third-Party Assurance

GRI 103:
Management
Approach2016

GRI 203:
Indirect Economic
Impacts
2016

・Nurturing Generations Responsible for the Future > 1.
Foundations
・Building a Society Based on Health and Longevity to
Ensure Peace of Mind > 4. Protecting Customers and Society
from Cancer

203-2 Significant indirect economic
impacts

・Eliminating Poverty in Society

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality
GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

GRI 205:
Anti-corruption
2016

205-1 Operations assessed for risks
related to corruption

・Internal Control > 2. Compliance and Anti-Corruption[Details regarding risk assessment are not disclosed.]Anti-competitive Behavior
・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

・CSR Performance Data > Local Community and Social
Contribution Activities

GRI 103:
Management
Approach2016

153

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000
・Internal Control > 3. Compliance and Anti-Corruption
・Internal Control > 1. Compliance and Anti-Corruption >Hotline System (Internal Whistleblower System)

CSR Library

201-2 Financial implications and other ・Initiatives for Building a Low-Carbon Societyrisks and opportunities due to climatechangePromoting Environmental Management > 4. Initiatives forEnergy Conservation and the Reduction of Environmental
Footprint > Environmental Accounting

CSR Management103-2 The management approach and・Corporate Governanceits components
・Tokio Marine Group’s Approach to CSR
103-3 Evaluation of the management
・Stakeholder Engagement
approach103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
its components
and Results of CSR Initiatives > Tokio Marine Group CSR
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000
・Internal Control > 1. Compliance and Anti-Corruption
・Internal Control > 1. Compliance and Anti-Corruption >Hotline System (Internal Whistleblower System)

Core Theme 3 /Supporting People

GRI 201:
Economic
Performance2016

203-1 Infrastructure investments andservices supported

Anti-corruption

Economic Performance

201-1 Direct economic value
generated and distributed

Tokio Marine Group’s CSR Promotion Structure and Plans
103-2 The management approach andand Results of CSR Initiatives > Tokio Marine Group CSR
its components
Promotion Structure103-3 Evaluation of the management
・Recognition about ISO 26000
approach・Making Society Resilient to Natural Disasters > 2. Productand Service Planning and Research・Preserving Biodiversity through Products and Services
・Building a Society Based on Health and Longevity to
Ensure Peace of Mind > 4. Protecting Customers and Society
from Cancer

Core Theme 2 /Protecting the Earth・Tokio Marine Group’s Approach to CSR > Tokio Marine
Group’s Approach to CSR and Group Core CSR Themes andMateriality

Core Theme 1 /Providing Safety and Security

102-46 Defining report content andtopic Boundaries

Material Topics

GRI 103:
Management
Approach
2016

Page Number/URL (Reasons for Omission)

Governance

GRI 102:
GeneralDisclosures
2016

General Disclosures

Tokio Marine Group's CSR

GRI Standards

GRI 206: Anticompetitive
Behavior 2016

General Disclosures

Page Number/URL (Reasons for Omission)

206-1 Legal actions foranti-competitive behavior, anti-trust, Not applicableand monopoly practices

Approach
2016

2016

304-3 Habitats protected or restored

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes
and its Boundary
and Materiality103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Promoting Environmental Management301-1 Materials used by weight orvolumeGRI 103:
Management
Approach
2016

・CSR Performance Data > Environment

EnergyGRI 103:
Management
Approach
2016

Energy2016

GRI305:Emissions
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes
and its Boundary
and Materiality103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Promoting Environmental Management

Approach2016

302-2 Energy consumption outside of・CSR Performance Data > Environment
the organization

GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes
and its Boundary
and Materiality
Tokio Marine Group’s CSR Promotion Structure and Plans
103-2 The management approach and and Results of CSR Initiatives > Tokio Marine Group CSR
its components
Promotion Structure103-3 Evaluation of the management
・Recognition about ISO 26000
approach・Promoting Environmental Management303-1 Water withdrawal by source

GRI 103:
Approach・CSR Performance Data > Environment

305-3 Other indirect (Scope 3) GHG
emissions

・CSR Performance Data > Environment

305-4 GHG emissions intensity

・CSR Performance Data > Environment

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
its components
and Results of CSR Initiatives > Tokio Marine Group CSR
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000

GRI 306: Effluentsand Waste 2016306-2 Waste by type and disposal
method・CSR Performance Data > Environment (Environmental
Load Data (Tokio Marine Holdings and major subsidiaries))

Environmental Compliance

・CSR Performance Data > Environment (Environmental
Load Data (Tokio Marine Holdings and major subsidiaries))

GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes
and its Boundary
and Materiality
Tokio Marine Group’s CSR Promotion Structure and Plans
103-2 The management approach andand Results of CSR Initiatives > Tokio Marine Group CSR
its components
Promotion Structure103-3 Evaluation of the management
・Recognition about ISO 26000
approach・Promoting Environmental Management

GRI 307:
Environmental
Compliance 2016

154

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Promoting Environmental Management307-1 Non-compliance withenvironmental laws and regulations

Not applicable

CSR Library2016

305-2 Energy indirect (Scope 2) GHG
emissions・Promoting Environmental Management

Biodiversity

Management

・CSR Performance Data > Environment

CSR Management

GRI 303: Water 2016305-1 Direct (Scope 1) GHG emissions

Core Theme 3 /Supporting People

GRI 103:103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Promoting Environmental Management

Effluents and Waste

302-1 Energy consumption within the・CSR Performance Data > Environmentorganization

Water

Management

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

Core Theme 2 /Protecting the EarthGRI 302:・Preserving Biodiversity through Products and Services

Core Theme 1 /Providing Safety and Security

GRI 301: Materials

GRI 304:
Biodiversity 2016

Page Number/URL (Reasons for Omission)

GovernanceManagement

General Disclosures

Emissions

Materials

GRI 103:

GRI Standards

Tokio Marine Group's CSR

GRI Standards

General Disclosures

Page Number/URL (Reasons for Omission)GRI Standards

Supplier Environmental Assessment

Training and Education

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

GRI 103:
Management
Approach2016

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・CSR in the Value Chain
・CSR in the Value Chain
308-1 New suppliers that werescreened using environmental criteria
According to Tokio Marine & Nichido’s Principle ofTransactions, we ask suppliers for confirmation of“compliance with laws, regulations and social norms” and“consideration for the environment.” However, the indicators
are not disclosed.

GRI 404:
Training and
Education
2016

Employment

・Developing and Utilizing Diverse Human Resources > 2.
Development of Human Resources
・CSR Performance Data > Development of Human
Resources > Job request system (job posting system) (Tokio
Marine & Nichido)

Diversity and Equal Opportunity
・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

GRI 103:
Management
Approach2016

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Developing and Utilizing Diverse Human Resources >4. Reform of Working Styles
401-1 New employee hires andemployee turnover

・CSR Performance Data > Human Rights and Labor

401-3 Parental leave

・CSR Performance Data > Reform of Working Styles

GRI 405:
Diversityand Equal
Opportunity
2016[Discloses the number of employees using work/life balance
related systems]

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Developing and Utilizing Diverse Human Resources >3. Utilizing Diverse Human Resources
405-1 Diversity of governance bodies
and employees

・CSR Performance Data > Utilizing Diverse Human
Resources > Number of directors and managers (Tokio
Marine Holdings and domestic major subsidiaries)
・CSR Performance Data >Human Rights and Labor > Basic
Data

Human Rights Assessment

Occupational Health and Safety
・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

GRI 103:
Management
Approach2016

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Developing and Utilizing Diverse Human Resources

GRI412:
Human Rights
Assessment
2016

155

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
its components
and Results of CSR Initiatives > Tokio Marine Group CSR
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000
412-2 Employee training on humanrights policies or procedures・Respect for Human Rights
・CSR Performance Data > Human Rights > Human rights
training participation rate (Tokio Marine Holdings anddomestic major subsidiaries)
・CSR Performance Data > Human Rights > Human rights
training hours (Tokio Marine & Nichido)

CSR Library

・CSR Performance Data > Health Management and403-2 Types of injury and rates of
GRI 403:
Occupational Health and Safety > Industrial accidents (Tokio
injury, occupational diseases, lost
Occupationaldays, and absenteeism, and number of Marine Holdings and domestic major subsidiaries)
Health and Safety work-related fatalities
Number of occupational accidents and commuting
2016
accidents are disclosed, but data by region and gender are
not disclosed.

103-1 Explanation of the material topic ・Tokio Marine Group’s Approach to CSR > Tokio Marine
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

CSR Management

GRI 103:
Management
Approach 2016404-2 Programs for upgrading
employee skills and transition
assistance programs

Core Theme 3 /Supporting People

GRI 401:
Employment
2016103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
and Results of CSR Initiatives > Tokio Marine Group CSR
its components
103-3 Evaluation of the management Promotion Structure
・Recognition about ISO 26000
approach・Developing and Utilizing Diverse Human Resources > 2.
Development of Human ResourcesCore Theme 2 /Protecting the EarthGRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

Core Theme 1 /Providing Safety and Security

GRI 308:
Supplier
Environmental
Assessment
2016

Page Number/URL (Reasons for Omission)

Governance

GRI 103:
Management
Approach
2016

General Disclosures

Tokio Marine Group's CSR

GRI Standards

General Disclosures

GRI Standards

Page Number/URL (Reasons for Omission)・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

・Making Society Resilient to Natural Disasters > 2. Productand Service Planning and Research

Customer Privacy
2016

・Preserving Biodiversity through Products and Services > 2.
Social Contribution through Tree Planting > Economic Valueand Impact on Local Communities from Mangrove Planting
・Building a Society Based on Health and Longevity to
Ensure Peace of Mind > 4. Protecting Customers and Society
from Cancer

GRI 103:
Management
Approach 2016

GRI 419:

・CSR in the Value Chain

Socioeconomic
Compliance 2016

Disasters, Accidents and Microinsurance *GRI 103:

Public Policy
GRI415:
Public Policy

Management
Approach 2016415-1 Political contributions

Value of political contributions*

1・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach andits components
103-3 Evaluation of the management ・Eliminating Poverty in Society
approach

CSR Management[According to Tokio Marine & Nichido’s Principle ofTransactions, we ask suppliers for confirmation of“compliance with laws, regulations and social norms” and“consideration for the environment.” However, the indicators
are not disclosed.]419-1 Non-compliance with laws andregulations in the social and economic Not applicableareaCore Theme 3 /Supporting People

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
its components
and Results of CSR Initiatives > Tokio Marine Group CSR
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000
・CSR in the Value Chain

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
its components
and Results of CSR Initiatives > Tokio Marine Group CSR
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000
・Internal Control > 4. Compliance and Anti-Corruption
・Internal Control > 1. Compliance and Anti-Corruption >Hotline System (Internal Whistleblower System)
・Respect for Human Rights > Management Stanceconcerning Respect for Human Rights and Various Initiatives> Hotline System (Whistle Blower System)

Core Theme 2 /Protecting the EarthGRI 414:
Supplier Social
Assessment
2016

・Improving Quality from the Customer’s Perspective >4. Response to Customer Feedback > Fiscal 2018 Number ofCustomer Feedback Comments

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

414-1 New suppliers that werescreened using social criteria

・Internal Control > 3. Information Security

Socioeconomic Compliance

Supplier Social Assessment

GRI 103:
Management
Approach2016418-1 Substantiated complaints
concerning breaches of customer
privacy and losses of customer data

Core Theme 1 /Providing Safety and Security

GRI 418:

103-2 The management approach and Tokio Marine Group’s CSR Promotion Structure and Plans
its components
and Results of CSR Initiatives > Tokio Marine Group CSR
103-3 Evaluation of the management Promotion Structure
approach・Recognition about ISO 26000
・Internal Control > 3. Information Security
・Improving Quality from the Customer’s Perspective >3. Response to Customer Feedback

Governance

GRI 413:
Local
Communities
2016

GRI 103:
Management
Approach
2016

Tokio Marine Group’s CSR Promotion Structure and Plans
103-2 The management approach andand Results of CSR Initiatives > Tokio Marine Group CSR
its components
Promotion Structure103-3 Evaluation of the management
・Recognition about ISO 26000
approach・Building a Secure Society by Utilizing Traffic Technology
Innovation (Products and Services)
・Preserving Biodiversity through Products and Services
・Building a Society Based on Health and Longevity to
Ensure Peace of Mind > 4. Protecting Customers and Society
from Cancer
413-1 Operations with local
community engagement, impact
assessments, and development
programs

Page Number/URL (Reasons for Omission)

Customer Privacy

Local Communities

GRI 103:
Management
Approach
2016

General Disclosures

Tokio Marine Group's CSR

GRI Standards

CSR Library

156

General Disclosures

Page Number/URL (Reasons for Omission)GRI Standards

Development of Clean Energy *GRI 103:

Corporate Governance / Internal Control *・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach andits components
・Preventing Global Warming by Promoting the103-3 Evaluation of the management Development of Clean Energy
approach

GRI 103:
Management
Approach
2016

Comprehensive Insurance Service Encompassing Treatment, Finance, Longevity and Health *Management
Approach 2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach andits components
・Building a Society Based on Health and Longevity to
103-3 Evaluation of the management Ensure Peace of Mindapproach

GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach and ・Investor Relations > Management Policy > Message fromGroup CFO > Enterprise Risk Management (ERM)
its components
103-3 Evaluation of the management ・Internal Control > 1. Compliance and Anti-Corruption >approach
Hotline System (Internal Whistleblower System)

Creation and Distribution of Economic Value *・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach andits components
・Building a Society Based on Health and Longevity to
103-3 Evaluation of the management Ensure Peace of Mindapproach・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach and・Governanceits components
・Strengthening CSR Management103-3 Evaluation of the management
・Recognition about ISO 26000
approach

Health Management *・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality103-2 The management approach andits components
・Creating a Society Where People Can Live with Security
103-3 Evaluation of the management through Sustainable Investments and Financing
approach103-2 The management approach and ・Promoting Health and Productivity Management
its components
・Respect for Human Rights > Management Stance
103-3 Evaluation of the management concerning Respect for Human Rights and Various Initiatives> Hotline System (Whistle Blower System)
approach

CSR Management

GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

Core Theme 3 /Supporting People

GRI 103:
Management
Approach2016

Sustainable Investment *GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

Core Theme 2 /Protecting the Earth103-2 The management approach andits components
・Building a Secure Society by Utilizing Traffic Technology
103-3 Evaluation of the management Innovation
approachNursing Care and Prevention of Infectious Diseases *GRI 103:
Management
Approach2016

103-2 The management approach and ・Internal Control
its components
・Internal Control > 1. Compliance and Anti-Corruption >103-3 Evaluation of the management Hotline System (Internal Whistleblower System)
approach・Respect for Human Rights > Management Stanceconcerning Respect for Human Rights and Various Initiatives> Hotline System (Whistle Blower System)

Enterprise Risk Management *Disasters, Traffic Safety and Efficiency *GRI 103:
Management
Approach
2016

・Tokio Marine Group’s Approach to CSR > Tokio Marine
103-1 Explanation of the material topic
Group’s Approach to CSR and Group Core CSR Themes andand its Boundary
Materiality

Core Theme 1 /Providing Safety and Security

GRI 103:

Page Number/URL (Reasons for Omission)

GovernanceManagement
Approach 2016

General Disclosures

Tokio Marine Group's CSR

GRI Standards* Material issues identified by Tokio Marine Group that have no relevance to any of the items in the standards.

157

CSR Library*1 In Fiscal 2018 and 2019, Tokio Marine Group made political donations amounting to 17.9 million yen.
In Japan, it is mandatory for political organizations to release the status of income and spending of political funds.
Therefore, the above mentioned amount is to be disclosed in the Official Gazette and prefectural public notice.

In Tokio Marine Group, the departments handling each respective function are responsible for

ISO 26000 Core Issues and Issues

implementing initiatives for each CSR issue. By referring to the core subjects addressed in ISO

Reference

Approach regarding impact

Core Theme 2: Protecting the Earthoperating practices, consumer issues and community involvement and development, Tokio Marine

Tokio Marine Group CSR Charter
Policies/Commitment

Group reviews the materiality of its CSR issues and makes efforts to improve them. The management
systems for each issue are listed within each section of this report.

Management Elements
Approach regarding impact

ReferenceManagement
methods

Specific steps

ISO 14001, Green Assist
Promoting Environmental Management

Policies/Commitment
Approach regarding impact

Fundamental Policy

Goals and targets
Management
methods

Specific steps

Policies/Commitment

Tokio Marine Group CSR Charter

Goals and targets

Plans and Results of CSR Initiatives

Plans and Results of CSR Initiatives

Management System concerning Respect for Human Rights
Responsibilities andmanagement resources and Initiatives
Complaint handlingmechanism

Core Theme 2: Protecting the EarthThe
environment

Respect for Human Rights in the Group, Hotline System

Climate change
mitigation andadaptation

Responsibilities andManagement Structure under an Environmental
Management management resources Management System (EMS)
methods
Complaint handlingISO 14001, Green Assist
mechanism

Respect for Human Rights

Making Society Resilient to Natural Disasters

Promoting Health and Productivity Management

Preventing Global Warming by Promoting
the Development of Clean Energy

Approach regarding impact

Preservation of Biodiversity

Five Spirits of Developing Human Resources

Policies/Commitment
Tokio Marine Group’s Vision for Biodiversity

Plans and Results of CSR Initiatives

Biodiversity andrestoration ofnatural habitats Management
methods

Developing and Utilizing Diverse Human Resources

Fair Personnel System, Raising Employee Satisfaction Levels

Goals and targets

Responsibilities andManagement Structure under an Environmental
management resources Management System (EMS)
Complaint handlingmechanism

Promoting Health and Productivity Management,
Developing and Utilizing Diverse Human Resources

Specific steps

158

Plans and Results of CSR Initiatives

ISO 14001, Green Assist
Promotion of Enviromental Management,
Preserving Biodiversity through Products and Services

CSR LibrarySpecific steps

Tokio Marine Group’s Vision for Biodiversity

CSR Management

Labourpractices

Approach regarding impact

Developing and Utilizing Diverse Human ResourcesCore Theme 3 /Supporting People

Specific steps

Employment andemployment
relationships/
Policies/Commitment
Conditions ofwork and social
protection/Social
Goals and targets
dialogue/Healthand safety atManagement Responsibilities andwork/Human
methods management resources
development
and training inComplaint handlingthe workplacemechanism

Core Theme 2 /Protecting the Earth

HumanrightsPlans and Results of CSR Initiatives

Responsibilities andManagement Structure under an Environmental
management resources Management System (EMS)
Complaint handlingmechanism

Respect for Human Rights, Fundamental Policy

Tokio Marine Group CSR Charter, Respect for Human Rights
Due diligence/
Human rights
risk situations/
Avoidance ofcomplicity/
Discriminationand vulnerable
groupsGoals and targets

Tokio Marine Group Environmental Philosophy,
Environmental Policy and StanceCore Theme 1 /Providing Safety and Security

ISO 26000 Core Issues and Issues

Preventionof pollution/
Sustainable
resource use

Governance

26000, specifically organizational governance, human rights, labor practices, the environment, fairManagement Elements

Tokio Marine Group's CSR

Recognition about ISO 26000

Management Elements
Approach regarding impact

Fair
operatingpractices

Approach regarding impact

Management Elements
Approach regarding impact

Internal Control
Tokio Marine Group CSR Charter, Declaration of Commitment
to Compliance, Tokio Marine Group Code of Conduct

Policies/Commitment
Consumer dataprotection
and privacy

Plans and Results of CSR Initiatives
Tokio Marine Group Compliance System

Goals and targets

Complaint handlingmechanism
Specific steps

ConsumerissuesApproach regarding impact

CSR in the Value Chain
Tokio Marine Group CSR Charter

Policies/Commitment
Sustainableconsumption

Tokio Marine & Nichido Group Principle of Transactions
Goals and targets

Specific steps

Policies/Commitment

Sustainable Consumption Management System

Policies/Commitment

Tokio Marine Group CSR Charter

Goals and targets

Plans and Results of CSR Initiatives

Complaint handlingmechanism

Response to Customer Feedback

Specific steps

Eliminating Poverty in Society

Approach regarding impact
CSR in the Value Chain
Improving Quality from the Customer’s Perspective
Tokio Marine Group CSR Charter

Policies/Commitment

Tokio Marine Group CSR Charter

Goals and targets

Plans and Results of CSR Initiatives

Responsibilities andTokio Marine Group CSR Promotion Structure
management resources
Community
involvementand development

Community
involvement

Complaint handlingmechanism

Response to Customer Feedback
Building a Secure Society by Leveraging Traffic Technology
Innovation

Management
methods

Building a Secure Society by Responding to Varying
Lifestyles and Changes in Society, Building a Society Basedon Health and Longevity to Ensure Peace of Mind
Specific steps

Nurturing Generations Responsible for the Future
Building a Society in Which the Elderly Can Live with
Peace of Mind

Compliance, Improving Quality from the Customer’s
Perspective, Promoting Health and Productivity Management

Building a Society in which Persons with Disabilities Can
Take on Active Roles

159

CSR Library

Response to Customer Feedback

CSR Management

Specific steps

Information Security

Response to Customer Feedback

Goals and targets
Plans and Results of CSR Initiatives
Consumer
service, support,
Quality Improvement Initiatives
and complaintand dispute
Management Responsibilities andresolution/
Response to Customer Feedback
methods management resources
Education andawareness
Working Together with Agents to Improve Quality
Complaint handlingmechanism

Response to Customer Feedback

Core Theme 3 /Supporting People

Approach regarding impact

Plans and Results of CSR Initiatives

Management Responsibilities andSustainable Consumption Management System
methods management resources

Responsibilities andValue Chain Management
management resources
Complaint handlingmechanism

ConsumerissuesPlans and Results of CSR Initiatives

Privacy PolicyCore Theme 2 /Protecting the Earth

Promoting social
responsibility
in the value chain Management
methods

Information Security

Management Responsibilities andConsumer Data Protection, Privacy Policy, Information
methods management resources Security

Hotline System (Internal Whistleblower System)
Compliance, Risk Management

ReferenceCore Theme 1 /Providing Safety and Security

Specific steps

ISO 26000 Core Issues and Issues

Governance

Policies/Commitment
Anti-corruption/
Responsible
Goals and targets
political
involvement/
Fair competition/ Management Responsibilities andmethods management resources
Respect for
property rights
Complaint handlingmechanism

Reference

Tokio Marine Group's CSR

ISO 26000 Core Issues and Issues

This report is intended to report on the principal CSR activities of Tokio Marine Group in fiscal 2018 to

Scope of This Reportall our stakeholders.

Tokio Marine Group's CSR

Editorial Policy

Reporting organizations

Security, Protecting the Earth and Supporting People), and discloses detailed information. From this*Tokio Marine & Nichido, Nisshin Fire, Tokio Marine & Nichido Life, Tokio Marine Asset Management, etc.

Reporting period
We also publish Integrated Annual Report 2019 for investors and Sustainability Booklet 2019 for theThis report covers activities conducted primarily during fiscal 2018 (April 2018 - March 2019).

public.

However, for the purpose of further clarification, on occasion, reference is made to activities
undertaken outside the reporting period.

Integrated Annual Report 2019
Principal changes during the reporting period:

Sustainability Booklet 2019 (PDF/6.9MB)

None

Dates of Publication• Global Reporting Initiative (GRI) Sustainability Reporting Standards• Previous edition: November 2018

• ISO 26000 Guidance on Social Responsibility• Current edition: November 2019

• United Nations Global Compact, “Guidelines for Communication on Progress (COPs)”• Next edition: November 2020 (Scheduled)

1-2-1, Marunouchi, Chiyoda-ku, Tokyo, 100-0005 Japan
Tel. +81-3-5223-1552 Fax. +81-3-6267-5916
e-mail: CSR@tokiomarinehd.com

CSR Management

CSR Division, Strategy and Synergy Department
Tokio Marine Holdings, Inc.

Core Theme 3 /Supporting People

For inquiries concerning the Sustainability Report, please contact:

Core Theme 2 /Protecting the Earth

Guidelines Referred to in Preparing this Report

Core Theme 1 /Providing Safety and Security

year, only the PDF version of the report is available.

Governance

Tokio Marine Group’s CSR as well as our activities based on three core themes (Providing Safety andFundamentally, this report covers Tokio Marine Holdings and its major domestic and overseas Group
companies*.

The Tokio Marine Group Sustainability Report 2019 focuses mainly on the philosophy and direction of

CSR Library160

東京都千代田区丸の内1-2-1東京海上日動ビル新館 〒100-0005
Tel.03-6212-3333（代表）Tokio Marine Nichido Building Shinkan,
1-2-1, Marunouchi, Chiyoda-ku,
Tokyo, 100-0005 Japan+81-3 -6212-3333
東京都千代田区丸の内1-2-1 東京海上日動ビル新館 〒100-0005