Tokio Marine GroupCSR Booklet
2017
Together into the FutureWe will continue towalk by your side toward
a better future.

Tokio Marine Group’s
Three Core CSR Themes

1environment, Tokio Marine Group aspires to commit ourselves

Providing
Safety andSecurity

to customers and society and continue to take on the daily
challenges of creating a safe and secure future. The entire

Provide safety andsecurity throughproducts and services
Prepare for natural
disasters

Group will make concerted efforts under its three core CSR

Respond to thedeclining birthrate andaging population

themes and move forward with everyone toward realizing asustainable future.

Theme

2

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

P6-7

Claims Settlement
Services

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

P8-9

Smartphone Game App for
Raising Insurance
Awareness

Make urban living environment incities safe, comfortable and culturalplaces.

P10-12

Changing Lifestyles andInsurance

P14-15

Green Gift Project
Mangrove Planting

P16-18

Green Gift Planet GENKI
Program

P20-22

Group Work on Managing
Risks and Opportunities

P23-25

Supporting Sports for
Persons with Disabilities

P26

Top Message

Protect the Earth
together with local
communities
Take urgent action to combat
climate change and its impacts.

Protect people fromglobal climate change
and weather disasters

Contents

Global Issues* Based on the United Nations’ Sustainable Development
Goals (SDGs)

Theme

Amid constant changes in social conditions and the global

Activity Focus of Tokio MarineGroup

Mitigate land-based and marine
pollution and protect resources andecosystems for future generations.

Issues to be Tackled by the Entire World

United Nations’ Sustainable
Development Goals (SDGs)

Theme

3

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

Nurture people

In September 2015, world leaders adopted “Transforming our world: the 2030 Agenda for Sustainable Development” at the UN Sustainable Development Summit
2015. This agenda is an action plan comprising 17 Sustainable Development Goals (SDGs) and 169 targets.

2

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

3

About Tokio Marine Group

Theme

1

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

P

ing Safety and Secu
ri t
rovid

Providing Safety and Security
Wishing to protect people against risks in their daily lives andsupport taking on new challenges

Number of fires in 2015

Number of traffic accidents in 2016

39,111

499,201ySociety

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

Domestic Life
Insurance Business
Tokio Marine & Nichido Life
Insurance

Tokio Marine Group

Tokio Marine AssetManagement
Tokio Marine & Nichido
Anshin Consulting
Tokio Marine & Nichido
Facilities, etc.

Net claims paid on fire insurancein fiscal 2015

Net claims paid on auto insurance(voluntary insurance) in fiscal 2015

166.1 billion¥* Sum total of Tokio Marine & Nichido and Nisshin
Fire
Including maturity-refund type fire insurance andearthquake insurance

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

Corporate Profile(as of March 31, 2017)

4

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

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

Number of employees: 3
 8,842
	Domestic Non-Life Insurance Business: 20,538
Domestic Life Insurance Business: 2,249
International Insurance Business: 13,637
Financial and General Businesses: 2,418

Tokio Marine Grouprth
Ea

General Businesses

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

Source: Traffic Bureau, National Police Agency

gP
e
op
le

t he

Insurance BusinessSu p p
orti
n

g
ctin
Prote

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

Source: Fire and Disaster Management Agency¥

606.6 billion* Sum total of Tokio Marine & Nichido, Nisshin Fireand E.design Insurance

There are unseen difficulties in our daily lives, which we cannot avoid by just being careful.
Social development and advancement in technologies also give rise to new risks
as well as opportunities to tackle new challenges.
The insurance products we offer are for protecting customers in times of trouble.
Preparing for risks by way of insurance will also strongly support them when taking on new challenges.
We have been and will be with customers, remaining closely
by their side each and every day.

5

Theme1Committing ourselves to each customer with magokoro(sincerity)

Providing Safety and Security

Cleaning goods as a token of our sympathy
An assortment of small goods useful in post-fire cleanup,
including a towel, scrubber and work gloves

Guidebook extending our sincere sympathy andproviding advice

Toru Fujii
Nagoya Claims Service Department 1
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Claims Settlement Services

A guidebook for customers who have experienced firedamage, describing how to: make required reports of firedamage to government offices, express apologies toneighbors and file insurance claims

Making referrals to construction andother companies
A service leveraging the network of Tokio Marine Groupto make referrals as requested by customers to a construction or house-cleaning company as well as to companies and experts necessary for putting a customer’s life
back in order, including tax and legal consultations

Giving shape to our aspiration to be there forcustomers
Making claim payments at the earliest opportunity to disaster victims is one of the important responsibilities of an
insurance company. Our approach, however, goes beyond
simply paying claims. We wish to convey our sincerity as
well, always taking a customer perspective and remaining
by their side to support their lives.
As one initiative, we have turned our aspiration into
the Tokio Marine & Nichido Magokoro Package for customers who have experienced fire damage. When we visit
them after a fire, we provide a set of goods that includes a
towel, work gloves and other small cleaning supplies as a

Tokio Marine Group’s
Three Core CSR Themes

6

Details of the Tokio Marine & Nichido Magokoro Package
for customers who have experienced fire damage

Provide safety andsecurity throughproducts andservices

Prepare for effects
of climate change
and natural
disasters

token of our sympathy and a guidebook that extends our
sincere sympathy and provides advice on procedures after
a fire depending on the damage sustained. When requested by customers, we also offer a series of assistance measures utilizing the Tokio Marine Group network, such as
making referrals to a construction company and to experts
providing tax and legal consultation.
“A disaster is something that customers may experience only once in their lives, and they are almost always
shaken by such an unexpected event. The cleaning goods
and guidebook were created out of our hope to support
them and be of some help in these difficult times. We provide these items directly to customers when we visit them.
By conveying our sincerity and being truly there for eachand every customer, we hope as much as possible to givethem peace of mind.”

An example of a set of cleaning goods

What an insurance company can do toprevent a disaster from occurring
In addition to doing all that we can to respond to disastervictims, we have been focusing on providing peace of mind.
Based on the experience and knowledge we have accumulated as an insurance company, we have created videos andleaflets to convey the importance of preparing for a disasterand explain the role of an insurance company.
In recent years, we have experienced hail storms, tornadoes and other natural disasters of an unprecedented
scale likely due to the impact of global climate change. For
this reason, it is also important that we provide customers
with the know-how on disaster prevention.
All our actions, from making claim payments at theearliest possible opportunity to daily communication andresponding to telephone inquiries, are linked to customers’
peace of mind. We seek to respond to each case and toeach customer promptly and politely. Our mission is tocommit ourselves to customers, always acting withsincerity, and work hand-in-hand with them to pursue a
future free of disaster-caused damage.

Wishing to provide peace of mind
In Aichi Prefecture, where many household
break-ins are reported every year, we work
together with the Aichi Prefectural Police and
The General Insurance Association of Japan toraise citizens’ awareness of crime prevention
measures. More specifically, with Tokio Marine& Nichido’s Nagoya Claims Service Department
2 leading the initiative, we have created a leafletthat shows how a burglar breaks into a house.
Now, our agents always provide this leaflet to acustomer along with a verbal explanation at thetime of making a contract.

7

Theme1

In the hope of providing knowledge on the importance of
insurance to young people in an enjoyable way

Providing Safety and Security

You have to shootdown invading spaceviruses or give correct
answers to quizzes on
insurance in order toproceed.

Smartphone Game App for Raising Insurance AwarenessThe game starts in a
residential district andproceeds to park, publicroad and urban area
stages. Defeating theadversary of each stage
in a quiz will let you heardifferent insurance-themed rap
commentary.

Shohei Hara (left) and Yoko Shirai
Business Process Innovation Department
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Digitization and artificial intelligence (AI) technologies are constantly evolving. We regard that innovating theway we disseminate insurance by utilizing these cutting-edge technologies is also a role of Tokio Marine
Group. In March 2017, we released “Insurance Hero MARINE,” a smartphone game app designed to increase
insurance awareness among young people, as a new service to create a link between these people and our
non-life insurance business.
Hara: This project started off with our hope to extend ourreach to young people, including university students andnew employees, and to raise their interest in insurance andinsurance companies. Generally, people get to know about
insurance and purchase insurance products often out ofnecessity or as recommended by someone when getting
married or buying a car. We had always wished to raiseyoung people’s awareness that insurance plays an important role in remaining calm during times of need and isindeed closely related to our daily lives.
Shirai: For children in elementary schools and juniorhigh schools, we offer education on insurance through les-Tokio Marine Group’s
Three Core CSR Themes

8

The main character, MARINE, was forced to become an Insurance
Hero. She was confused at first but started fighting against
invading risks to protect important buildings, cars and citizens.

Provide safety andsecurity throughproducts and services
Prepare for natural
disasters
Respond to the declining
birthrate and aging
population* The characters in “Insurance Hero MARINE” are for exclusive use in the game app.

Let’s all give it a try!

Insurance Hero MARINE
official website

Available fordownloadfrom here:

Shirai: It is based on the concept that Insurance Hero
MARINE, the game’s main character, protects people,
cars and towns against risks by using the power of insurance. The focus is placed not on defeating enemies but on
letting users appreciate the protection provided by insurance.
Hara: The game allows users to create augmented reality(AR) images using the smartphone’s camera and image
parts collected during the game. It also incorporates aninsurance dictionary. These features, which are enjoyable

Voices ofapp users• I learned about insurance throughthe game and realized it is moreclosely linked to our daily lives
than I thought.
• I was impressed that Tokio Marine& Nichido, promoting the theme of“challenge,” took up the challenge
and started a new attempt in thefield of mobile games.

sons we “deliver” to these schools and through other opportunities. On the other hand, university students andnew employees have less chance to learn about insurance.
If they do want to learn, they have to proactively seek theinformation on their own. We considered easier ways forthem to do so and came up with an idea that uses a smartphone app.
Hara: It is a multi-stage action game combined with various elements, such as shooting and quizzes and insurance-themed rap commentary. The game is intended tocreate a stimulating learning experience in a short time,for example, between classes and while traveling on a bus
or train, etc.

The game features
an insurance
dictionary full of thebasics of insurance
and trivia. It also
provides tips to win
quizzes in the game.

http://www.tokiomarine-nichido.co.jp/app-hero/and useful in real life, are another major characteristic of
the game. We have also been making our first attempt to
conduct a campaign of the game using Twitter.
Shirai: When we first presented the plan for the gameinternally, there were some who said: “We’ve never tried to
do such a project before. Is it really feasible?” But we feltthat reaching out to young digital natives needs a new
approach. To refine the plan, we repeatedly conductedinterviews with university students and improved thegame content.

• I hope that the company will eliminate the “difficult and complex”
label attached to insurance andtell young people its importance.

new field with whom we had never interacted with before,
and it has been a great experience. I felt that actively taking on a new challenge will generate new ties between
people as well as opportunities to grow both as an individual and as a company.
Shirai: We devoted ourselves to creating this game. So,
we hope extend our reach and spread the message that
insurance supports the safety and security of our daily
lives. We believe this game will provide an opportunity forusers to think about insurance and realize its importance.

Hara: In developing this game, we worked with staff of a
production company, voice actors and other people in a
9Theme1

Up until now and onward, we will continue to support each andevery person’s daily life and challenges

Providing Safety and Security

Eliminating financial concerns
when becoming unable to work
Tokio Marine Groupwill continue to meet the diversifying
needs of customers and society

Changing Lifestyles and Insurance

by leveraging the Group’s combined
abilities and strengths to provide

Tokio Marine & Nichido Life offers Household Income Term Insurance NEO with Inability to Work
Benefit Insurance Plan, a product to prepare for illnesses and injuries involving the inability to work. In
addition to severe disability and death benefits, thisproduct offers monthly benefits in the event of theinability to work due to one of five diseases (cancer,
acute myocardial infarction, stroke, cirrhosis of theliver, chronic renal failure).

new products and services matched tochanging lifestyles, beyond the boundsof a conventional insurance framework.

Preparing for natural disasterrisks using videos
Readability and Ease of Understanding
Insurance leaflets in a larger size anda reader-friendly font
In response to the comments we received from elderly customers
that letters on our leaflets are too small to read, we increased thesize of leaflets of four mainstay products, namely, the Total Assist
series of auto insurance, home insurance and medical insurance(fixed-amount accident insurance) and Super Insurance, from A4size to A3 size. These leaflets also feature a reader-friendly font andseek to achieve a design that is pleasant for many customers, including elderly people and persons with disabilities.

Tokio Marine Group’s
Three Core CSR Themes

10

Healthy and Safe Life

Provide safety andsecurity throughproducts and services
Prepare for climatechange and natural
disasters
Respond to the declining
birthrate and aging
population

How we should prepare for a typhoon, heavy snowor earthquake depends on where we live and what
insurance we are enrolling in. Tokio Marine & Nichido
distributes “personalized” videos corresponding
to customers’ varying situations, each providing
customized information on necessary preparations
and required insurance. These videos can beviewed from PCs, smartphones and tablet devices
and provide information on disaster risks and detailsof coverage in an easy-to-understand manner.

Protecting and promoting people’s
health in-house and in society
Tokio Marine Holdings was selected as a “Health &Productivity Stock” co-sponsored by the Ministry of
Economy, Trade and Industry and the Tokyo Stock
Exchange for its outstanding health management forthe second consecutive year. We regard the healthof everyone working in Tokio Marine Group as animportant management issue and are engaging ininitiatives to promote the physical and mental healthof each employee, encourage better lifestyle habits
and prevent the progression of lifestyle-relateddiseases. Also, we are proactively supporting theefforts of our corporate customers to promote healthand productivity management and disseminating
information for spreading the practice.

11

ThemeTheme

2

Technological Innovation for a Better Car Life

1

Protecting the Earth

Providing Safety and Security

Providing needed coveragewhen necessary duringholidays and tourist seasons

To ceaselessly strive to build a better future for our planet andcreate a secure society
Global forest loss between
2000 and 2010 (annual average)

Forestareas inthe world

Decreased by

Applying the latest technologies to bringgreater safety and security to your car life

4.0
billion 3.31million
hectareshectaresSource: Forestry Agency* A rider to cover expenses incurred by a policyholder fordamage sustained by a victim in an accident that has beencaused by an unexpected motion of the insured vehicle. It
only applies to cases in which the policyholder is deemed

12

not legally liable for the damage and the irregular vehicle
motion that has caused the accident can be confirmed by
objective facts, such as the recall issued by the responsible
automaker, or through police investigation.

* An estimate assuming a continued, extremely highlevel of GHG emissions compared with the level atthe end of the 20th century* A decrease after subtracting an increase in forests bytree planting, etc.

Area planted with mangroves

10,103 hectares

Safety net responding to the increasing
popularity of autonomous driving systems
Autonomous driving systems, the use of which has been increasing
in recent years, have great social significance as they could serve
to reduce traffic accidents and congestion. In the event of an accident, however, there may be the complicatedissue of who should be held responsible for theaccident. In response, Tokio Marine & Nichido
developed a rider to cover victims’ compensation*. Through this rider, we intend to contribute to the realization of a safe and secure
motorized society while keeping pace withevolving technologies.

+4.8 ~ 2.6 ˚CSource: Fifth Assessment Report of theIntergovernmental Panel on Climate
Change (IPCC)* Cumulative total at the end of March 2017

CO2 fixation throughmangrove planting

Tokio Marine Group

Tokio Marine & Nichido developed Drive Agent Personal, a service for individual customers utilizing our original driving recorder. When detecting
an impact, the recorder automatically sends the video to us and reports theincident also to our partner company that provides accident response support. The service provides an additional sense of security, as the recorder
has a communication module to make avoice call to the partner company, which inturn will call an ambulance depending on
the situation. Moreover, the service offers
accident prevention support by issuing awarning to the driver based on an estimateof accident-prone areas as well as a feature
to provide safe driving diagnosis reports.

Estimated global mean surface temperature at the end of the 21st century

Society

Changing Lifestyles and Insurance

Tokio Marine & Nichido’s One Day Auto Insurance
is driver insurance available for just the number ofdays needed to protect infrequent drivers driving
borrowed cars. In January 2017, the number of subscriptions exceeded 3 million. We have revamped
the product to make it more customer-friendly by
allowing policyholders to add a maximum of three
persons to be covered under the policy and extending the period of indemnity to 24 hours fromthe time at which insurance liability starts.

160,000 t-CO

2

CO2

CO2

CO2

CO2

* FY2016 (full year)

The occurrence of increasingly severe natural disasters due to climate change,loss of biodiversity and other global environmental issues have profound effects on
people’s lives and the way we envision a better society. However,solving these issues also presents an opportunity to share wisdom and take action,and ultimately, generate a greater sense of security for the future while protecting the natural environment.
Working together with you, we will continue to engage in initiatives to protect the environment andseek a plentiful future for our planet and a safe and secure future for people.

13

Theme2Mangrove planting to bring safety and affluence to local
communities

Protecting the Earth

Green Gift Project Mangrove Planting

The Green Gift Project is a global environmental protection initiative of Tokio Marine & Nichido undertaken
jointly with customers. When a customer chooses Webbased insurance contracts (clauses) on our website rather
than a paper-based contract in brochure form, we donate
funds corresponding to a portion of the amount saved
through the reduced use of paper to support environmental protection activities in and outside Japan.
As an activity outside Japan, we have been conducting
the Mangrove Planting Project since 1999 under the concept of “Insurance for the Future of the Earth” and in2007 declared our commitment to continuing the project
for the next 100 years.

In the Philippines, one of the countries in which we
first started this project, mangrove planting has been led
by the Organization for Industrial, Spiritual and Cultural
Advancement-International (OISCA), a public interest
incorporated foundation, and mainly carried out by local
partners, including the NGO CAMADA, since 2009. In
January 2017, employees of Tokio Marine & Nichido participated in a volunteer tour to plant mangrove trees in Jose
Panganiban, Camarines Norte Province, Luzon Island.
The district faces the open ocean and is prone to damage
caused by big waves and tidal surges. Mangrove planting
has been conducted to protect people’s lives from natural
disasters and enjoy the abundant gifts of mangrove forests.

Products such as fish andshellfish, wood and traditional
medicines became obtainable frommangroves.

¥

Green Gift Project: Mangrove Planting <Activity Example>• Action for Mangrove Reforestation(ACTMANG)• Organization for Industrial, Spiritual andCultural Advancement-International(OISCA)• International Society for Mangrove
Ecosystems (ISME)

Mangrove Planting
Activities to Date
• Government• Local NPOs
Local tree
planting partners

Tokio Marine Group’s
Three Core CSR Themes

Protect the Earth
together with local
communities

Tokio Marine &NichidoProtect people fromglobal climate change
and weather disasters

Employees,
agents and theirfamily members
participating inmangrove planting
volunteer tours

521

Customers

persons(total at the end of
March 2017)10.8

million contracts(total of FY2016)

1.07

billionEconomic value
created bymangroveplanting*
Improvements in fishingindustry productivity outside
the mangrove-planting sites

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

Tokio Marine Group
employees, etc.

AgentsNumber ofcontracts for which
Web-based insurance
contracts (clauses)
were selected under
the Green Gift Project

Mangroves have grown into forests
providing the bounty of nature tovillages in the Philippines.

Tree planting
NGOs

Parties involved inlocal tree planting

14

Harvesting ofmangrove products

Total area planted with
mangroves to the present

10,103hectares in

9countries(cumulative total at the end of March 2017)¥

I hope to pass on
mangrove planting
activities to the next andfollowing generations.

1.05

billionMangroves have given me ajob every day.
Mr. Miyo (fisherman)

Mr. Boyett(leader of a mangrove planting group)

Before the planting of mangroves started, village people had no idea how important mangroves are. So, we
have held study sessions to learn about mangroves
together.
Forests of planted mangroves have been providing
shrimp and crabs and generating more jobs. These
forests also mitigate strong winds and waves during atyphoon. Village people have come to realize the valueof these forests, replanting mangroves themselves toreplace those damaged during a typhoon.

Before mangroves
were planted, we did
not get many crabs.
But the catch increased as mangroves
were planted and began to form forests.
Now, I sometimes find 6 to 7 kg of crabs
in the morning in nets set the evening
before. Mangroves are important for us
because they give us a job and income.

* Results of provisional calculations in the Philippines, covering the period from April 1999 to March 31, 201415

Host NPO
Theme

2

Learning about local nature and history and building a bridge
together between the past and the future

Protecting the Earth

Green Gift Planet GENKI Program

In November 2016, 38 children and parents participatedin an event of the Green Gift Planet GENKI Program.
The event was held on Teshima Island in Shozu-gun,
Kagawa Prefecture, under the theme of “garbage and nature.”
Teshima Island is located in the Seto Inland Sea, andabout 800 people are currently living on the island. The
island, now rich in nature with tranquil scenic views, hasa history of being used as a dumping ground for harmful
industrial waste. The industrial waste, brought to theisland from outside, contaminated the land and seasaround the island for 13 years from the 1970s. During theevent, participants took a tour around the industrial waste

disposal facility and learned about the history of the islandfrom residents.
After the tour, they moved to a farm called Suna-ji no
Sato for an agricultural experience. They baked homemade
pizza in an oven for lunch and enjoyed rice harvesting andpotato digging.
Some children were shocked by the issue of industrial
waste while others came to understand the link between
food and the environment. The parents voiced the importance of keeping the memory of the past events. Throughthe activity, everyone gained valuable experience andlearned and recognized new things.

Fumihiro Mitsui (left)
Emi Kushida

Tokio Marine Group’s
Three Core CSR Themes

16

Organizers of
the event

Host: NPO Archipelago
Co-host: Certified NPO Japan NPO Center
Partner: Shikoku Environmental Partnership Office (Shikoku EPO)
Sponsor: Tokio Marine & Nichido Fire Insurance Co., Ltd.
Supporting organization: Ministry of the Environment

Kimiko Kameyama

NPO Archipelago

Shikoku Environmental
Partnership Office(Shikoku EPO)

Mitsui: I think that the facility tour and cooking and eating a meal with people of the island probably gave thechildren a chance to recognize and think about new
things. I hope they will continue to remain aware of what
is important in living in harmony with nature.
Kushida: A good thing about the Green Gift Planet
GENKI Program is that we can solicit participants widelyfrom the public through the network of insurance agents.
While we take the lead in expanding the activity itself, it
is very meaningful that we are given an opportunity todraw attention from a broader group of people.

The Green Gift Planet GENKI Program has great significance in that it is a collaborative effort among NPOs,
Tokio Marine Group and an EPO toward a shared goal.
To achieve the United Nation’s SDGs, we can do manythings in our daily lives. Understanding global environmental issues, touching the soil with our own hands andinteracting with nature, as well as meeting new people andgetting to know each other through various environmental events, are just a few examples. We hope that people
will take action based on these experiences and together
generate a force to drive a change in society.

Employee

Protect the Earth
together with local
communities

EPO

Agent

Kan Matono

Tomoe Fujita

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

Fujita Motors

We worked with the NPO Archipelago last year and had
been hoping to continue the joint activity. The Green Gift
Planet GENKI Program is a three-year program conductedin collaboration with local environmental NPOs. I feel it isan excellent program because it lets us engage in activities
rooted in local communities and at the same time think
about the future. It was very memorable that the children
were having such a good time.
I hope that more agents and employee volunteers will
participate in this and other activities in the future. By
participating in an event, we can get to know the local
community, interact with community members and feelenergized. I believe that many employees who naturally
join hands in such an event make up a “Good Company.”

This was my first visit to Teshima Island and to a farm, andmeeting and spending time with people who I would never
had have the chance to meet through my work and daily life
was a great experience. The children were surprised by thelarge amount of industrial waste discarded on the island andrecognized the importance of taking good care of theirthings, using them thoughtfully and promoting recycling.
They also had a good time getting to know children fromother schools and working together to collect vegetables andcook a meal. I hope they will tell their friends at school
about this event and join the activity together the next time.

17ThemeGreen Gift Planet GENKI Program Spreading
throughout Japan3

Supporting People

The Green Gift Project in Japan was initiated in October 2013 to collaborate
with NPOs throughout the country to encourage environmental protection
activities that engage citizens, mainly children. In October 2016, we renamed it as the Green Gift Planet GENKI Program and have been further
enhancing our activities. Efforts of Tokio Marine & Nichido include assisting
NPOs in extending their reach to a broader group of people by creating anddistributing program leaflets through our extensive network of agents and by
introducing our customers as well as potential partners to these NPOs. In
addition, by engaging agent and employee volunteers in the program, we
aim to become a reliable partner deeply committed to each local community.

Creating a society where a diversity of people can playa wide variety of active roles
Percentage of persons with work
experience at private companies andelsewhere hired as teachers

Persons with some type of disability

Elementary schools :Approximately

Events held to date

159
Number ofparticipants: 12,308
Number of
events held:

Society6%(Total number from October 2013 to the end of
March 2017)of Japanese citizens

Junior high schools :

3.6%
4.3%

(including 4,571 children)

Source: Cabinet Office, Government of Japan

21 organizations nationwide engaged in environmental
activities together with Tokio Marine & Nichido
1 Hokkaido

Iburi Nature School*1

13 Hyogo
14 NaraOhzora-juku*1

Source: Ministry of Education, Culture, Sports,
Science and Technology

15 Wakayama Blue Ocean for Children*1

Okayama Enemira to Consider the Future of Energy*4
17 KagawaArchipelago*1
18 Ehime
Donguri-okoku*1
19 Kumamoto Mizu-no-tora BELL-tai*1
20 Oita
ABC Outdoor Education Center*1
21 Miyazaki
Oyodo River Basin Network*1
16 Okayama

Supporting sports for persons
with disabilities57
55,000

sports associations andapproximately
persons*1 Specified non-profit corporation*2 General incorporated foundation*3 Public interest incorporated foundation*4 Certified specified non-profit corporation

Join us!
* Based on the number of persons registered with
the Japanese Para-Sports Association, which
provides support. (at the end of March 2017)

Participate in the Green Gift Project
Tokio Marine & Nichido’s “Green Gift Project” website
provides instructions on how to participate in the initiative
along with reports on the Mangrove Planting Project
overseas and environmental protection activities in Japan.
Let’s work together and continue the activities to protect
our planet by selecting “Participate by choosing Webbased insurance contracts” or “Participate in the Green
Gift Planet GENKI Program in Japan” on our website.

Number of contracts forwhich Web-based insurance contracts (clauses)
were selected

http://www.tokiomarine-nichido.co.jp/world/greengift/

18

Approximately

10.8 million

Employees and agencies involved in
education program for students

Tokio Marine GroupECO Republic of Shirakami*1
3 Iwate
Maimu Maimu Oshu
4 Akita
Conference of Earth Environment from Akita*2
5 Kanagawa Yokohama Satoyama Institute*1
6 Tokyo
The Nature Conservation Society of Japan*3
7 Gunma
Chaus-Nature Experience Outdoor School
8 Yamanashi Ki-net Yamanashi*1
9 Nagano
Yamaboushi Nature School*1
10 AichiMori-no-manabiya Nature School*1
11 Fukui	Hasu (Opsariichthys uncirostris) Project Promotion
Association
12 Osaka
Japan Park Ranger Association*1
2 Aomori

Takarazuka NISITANI*1(From October 2016)* These include 3,663,000 persons with physical disabilities, 547,000 persons with intellectual disabilities and3,201,000 persons with psychological disabilities.

Instructors:
Members ofsecretariat
offices:

Total:

3,443
1,248
4,691

persons
persons

persons* Cumulative total at the end of March 2017

Elderly persons with disabilities and disadvantaged persons often feel difficulties in their lives.
Nevertheless, these persons can demonstrate their individuality more thanever before and play active roles if they receive appropriate support.

(FY2016 total)

We will provide various forms of support such as volunteer activities and create a society
where all people can enjoy life to the fullest and spend each day with a sense of security.

19

Theme3

We wish to nurture children’s“capabilities for building the future.”

Supporting People

Risk and Future Perspective Lessons

In recent years there has been a strong awareness of theimportance of career education as well as growing expectations that company human resources with expertise will
make contributions at various education sites. Responding
to these expectations, Tokio Marine Group has developed
various original programs centering on card games andworkshops in collaboration with junior high and highschool teachers as well as with universities, NPOs and other experts in career education. As part of these efforts, inJuly 2016 we commenced “Group Work on Managing
Risks and Opportunities.”
In March 2017, we held this class for 38 first-year
students at Junior High School Attached to Faculty of

Program summary
Students divide into groups andcompete to generate sales as the
managers of a bakery.

Education, Chiba University. Based on the theme of managing a fictional community bakery, students divided into
groups and worked to raise the convenience and popularityof the bakery while avoiding various risks as they competed
to generate the highest final sales. Students were able tolearn about the importance of insurance through these lessons that provided a sense of game-playing.
By offering “Group Work on Managing Risks andOpportunities,” we aim to provide learning venues wherestudents can proactively and cooperatively identify and solvea variety of issues. From fiscal 2017, we plan to implement
this program across Japan in collaboration with schools andother educational organizations.

I learned that it isimportant not just to
pursue short-term profits
but to also earn profits bycontinuously operating

Unexpected problems and opportunities
arise during the game and the presence orabsence of preparations have an impact
on sales.

over the long term.

I thought that striking abalance between “taking
advantage of opportunities”
and “preparing forcontingencies” wasimportant.

Development and Implementation

Saori Takatsuto
Corporate Planning Department,
Tokio Marine & Nichido Fire
Insurance Co., Ltd. (right)

Junko SatoBusiness Process Innovation
Department, Tokio Marine & Nichido
Fire Insurance Co., Ltd. (center)Yuri Murakami
Product Safety and Environment Department (CSR and Environment
Unit), Tokio Marine & Nichido Risk Consulting Co., Ltd. (left)

Tokio Marine Group’s
Three Core CSR Themes

20

Participants select an approach from“strategy cards” that include thedevelopment of new products, renovation of
store interiors and enrollment in insurance,and must remain within a limited budget.

I hope to learn a lot
about insurance and to
be able to use insurance
Nurture people

in the future.

We became aware that the capabilities of companies andother organizations are essential for promoting “career education” and considered a program for learning about theimportance of “assuming risk and preparing for the future”
utilizing the features of an insurance company. During development, we worked to create a realistic program by actually
visiting bakeries to hear their stories and then created cards
using numerical values closely matched to reality.
We would be absolutely delighted if this class leads tomoments when children feel happiness from taking on achallenge and achieving growth or joy from sharing and attaining dreams and goals with their classmates.

Supervisor

Daisuke Fujikawa
Professor and Associate
Dean of Faculty of Education,
Chiba University

Students normally have little
opportunity to study issues
about management and risks at school. Under
this program, however, students can learn about
these matters while proactively communicatingwith each other by playing a card game basedon the theme of a bakery, which is familiar tochildren. I believe an outstanding feature of thisprogram is that children can learn about the issues and uncertainties actually faced by managers, or in other words, the importance of risk
management.
Children often have difficulty in realizing there
are various professions in society. I feel that having company employees actually visit and talkabout their jobs and society within a similar environment is important for children’s learning.

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Green Lessons

Commenced in 2005
Theme

Overcoming the impact of the Kumamoto
earthquakes toward the 11th year of activities

3

Kiyoko Ikeda
Kumamoto Branch,
Tokio Marine & Nichido Fire
Insurance Co., Ltd.

evacuation centers or were forced to temporarily suspendclasses. Just as we sent letters saying we would refrain fromvisiting schools due to the current situation, we received areply saying “school visits are not possible during the second term, but we would like you to resume school visits inthe third term if possible.” This response gave staff at ourbranch’s program secretariat office a deep sense of appreciation in knowing that schools remembered our Green Lessons even during the severe circumstances immediately after the earthquakes.
Children who participated in the first class 10 years ago
are now reaching adulthood. As we continue to carry out
activities in the future, we will value the idea of “Let’s continue to do even one small thing that benefits the community as
a company that is part of the community.”

Tokio Marine Group’s Education Programs for Students
Disaster Prevention Lessons

Started in 2012

First-ever overseas lessons held in Shanghai

Supporting Sports for Persons with Disabilities

The Kumamoto Branch of Tokio Marine & Nichido has continued to hold Green Lessons for 10 years based on theconcept of “Let’s do something for children, who will forge
our future, as a branch that is part of the local community.”
To date, a total of over 700 students have participated inthese lessons.
The Kumamoto earthquakes that struck in April 2016 hadan adverse impact on Kumamoto Prefecture elementary
schools, which turned their gymnasiums into community

Supporting People

Green Lessons provide elementary school children with funlearning about global environmental protection. As of March
31, 2017, Green Lessons were conducted for a total of around
51,700 children and students at approximately 760 elementaryand special needs schools throughout Japan.

Disaster Prevention Lessons teach children about the mechanisms causing natural disasters such as earthquakes andtsunamis as well as about making preparations for these disasters. In 2016 these lessons were extended beyond Japan, as
this program also commenced at The Tokio Marine & Nichido Fire Insurance Company (China) Limited (TMNCH) in China.

Xiao Ying Yu (right)
Corporate Planning Department,
The Tokio Marine & Nichido Fire
Insurance Company (China)
LimitedXiao Zhou (left)
Corporate Risk Management
Department, The Tokio Marine &Nichido Fire Insurance Company(China) Limited

materials using pictures and drawings, explanations that incorporated gestures and impersonations and student participation
using a quiz format. As a result, these lessons were very wellreceived not only from children but also from teachers and the
local government administration. We also received feedback
that expressed such sentiments as “This was an extremely
worthwhile class that provided children with knowledge to protect their own lives as well as their families’ lives. We hope thatyou will definitely continue these lessons next year.”
From 2017 we plan to extend these lessons beyond Shanghai
and hope to nurture these lessons as a signature social contribution activity of TMNCH.

Scenes fromthe classcan be seen
on video.

To create a society where each and every person respects
the individuality of others and plays an active role, Tokio
Marine Group not only undertakes its own businesses but
has also proactively supported persons with disabilities.
Tokio Marine has continued to support Special Olympics Nippon (SON) since 2005 and the Japan Deafblind
Association since 2008. The sight of athletes who overcome
their disabilities and continuously take on challenges in thefield of sports has continued to especially touch our hearts.
In 2016, we also began supporting the Japanese Para-Sports
Association, which has 57 sports associations and morethan 55,000 members with disabilities (at the end of March2017), as well as the Japan Inclusive Football Federation. In

the future as well, we will continue to devote efforts to support sports for persons with disabilities.
Through activities in which employees “learn about,”“watch” and “experience” sports for persons with disabilities, we can nurture a corporate culture that supports thechallenges taken on by people with unique individuality
and where people mutually respect diversity. To create asociety where all persons can play vital and active roles, wewill work proactively to encourage the watching of sporting events in which persons with disabilities compete andparticipation in volunteer activities in various regions
across Japan.

Tokio Marine Group’s concept for supporting sports
for persons with disabilities

Learn About
Tokio Marine Group’s
Three Core CSR Themes

In China, the concept of preparing for a fire or natural disasterstill has not firmly taken root in society. For this reason, it is necessary to raise disaster prevention awareness of society as awhole.
We developed our educational materials from scratch in consideration of the characteristics of disasters in China and held
Disaster Prevention Lessons for elementary schools and juniorhigh schools in Shanghai. We incorporated original content into
this program to ensure children could understand the lessons
without getting bored. This included easily understandable

Contributing to the creation of an all-inclusive society by“learning about,” “watching” and “experiencing”

Deepen understanding ofassistance skills andcompetitions.

Respect diversity

Nurture people

Watch

Experience

Support and watch
sporting events andparticipate as volunteers.

Employees participate in competitions and events and takethe initiative in implementing
experiential sessions.

For schools wishing to hold classes that are delivered to schools, please contact the nearest Tokio Marine & Nichido office.

22

23

Football team members

Hiroya Izumizawa Katsuya Akioka
Chiba Branch, Tokio
Marine & Nichido Fire
Insurance Co., Ltd. (left)

Support of sports for persons withdisabilities <Example of activities>

Goods from sponsor companies and organizations were
presented to participating
children. Members of Tokio
Marine Group created Christmas cards beforehand andfilled bags on the day of theevent.

Creating opportunities forenjoying football irrespectiveof any disabilities and mutually
deepening understanding
The Japan Inclusive Football Federation (JIFF) hosted
the JIFF Inclusive Football Festival in December
2016. Approximately 20 Tokio Marine Group employees, agents and their families participated in experiential sessions and volunteer activities. Being
able to watch up close and take part in sports activities for persons with disabilities made a deep impression on each participant.
We learned that depending on various resourcefulapproaches, sports can be enjoyed by all people,
even those with disabilities.

“Learn About,” “Watch” and “Take Part In.”I would like to see people remove “barriers to their heart” and watch andexperience first-hand and learn about sports for persons with disabilities.

Tsuyoshi Kitazawa
ChairmanJapan Inclusive Football
Federation

24

Until recently, seven different sports associations
made their utmost efforts to carry out respective
activities for football for persons with disabilities. Nonetheless, each organization was small
and was unable to spread or strengthen theiractivities. With the establishment of JIFF, I believe each association can maintain lateral connections with other associations and will alsofind it easier to receive support from partnercompanies such as Tokio Marine Group.
I think that athletes who have continued toplay football despite their disabilities have overcome far larger obstacles than persons with nophysical impairments. When people see just how
much resourcefulness must be used by persons

Izumizawa: When I first participated in an amputee football practice, I felt like giving my support. However, players are true athletes who are
sincerely striving for victory rather than defeat
and so my attitude shifted toward thinking that
athletes are all teammates who lift up each otherthrough playing. In the future, I would like tocontinue this activity and play the role of tellingyounger persons and people around me about
these activities.

Join us!

Amputee football is played byathletes with upper and lower
extremity amputations using
medical-assistance crutches.
The Tokio Marine & Nichido
football team and the amputee
football team held a joint practice session and Tokio Marine
Group employees also participated as volunteers on the
day of the practice.

with disabilities, whose movements and functions are limited, their views and understandingof this football will likely change.
I think that there are also numerous people
who don’t know how they should interact withpersons with disabilities. Through many typesof involvement, such as by personally watchingand playing in matches and participating in volunteer activities, I believe that people will gain
an awareness of many things and their views andfeelings about everyday settings will also change.
I would like to see people not be afraid to cometo the venues of events and then convey what
they felt to their families, friends and workplacecolleagues.

Saitama Automobile
Industry Production Dept.
2, Tokio Marine & Nichido
Fire Insurance Co., Ltd.
(right)Akioka: An environment for playing sports for
persons with disabilities that includes amputee
football has not yet been by fully established,
and I think it is necessary to provide various
forms of support and expand recognition. I feelthat taking part in competition in which I was
unable to support my body with a pivoting leg
and had a limited range of movement has raised
the competitive level of my playing skills. I plan
to continue playing both as an employee and as
an individual.

Let’s watch and take part in seven types of football for
persons with disabilities.
The JIFF website provides information on matches and eventsfor each football organization that includes amputee football, CP
football (cerebral palsy), social football (psychological disabilities), intellectual disability football, powerchair football, blind
football (vision impaired) and deaf football (hearing impaired).

http://www.jiff.football (Japanese only)

Today rather than yesterday, Tomorrow rather than today
Let’s embrace the joy of knowing our ability will improve.

Seiji Arai
Safety Service Department,
Nisshin Fire & Marine
Insurance Co., Ltd.
Director
Japan Amputee Football
Association (JAFA)

In 2004, I was diagnosed with malignant lymphoma in my thigh when I was examined for acompound fracture of my left knee, and in 2005
my leg had to be amputated.
I hated myself for having a disability, feared arecurrence of the disease and felt anxious about
returning to society. However, by starting toparticipate in sports I regained the sense of joyof physical activity. In 2009, I came into contact
with amputee football and I became encouraged
in knowing “I can play hard-contact sports evenwith a disability.”
Presently, I perform insurance work as an adjuster* while also serving as the chairman of a sports
association. Athletes in this sports competition

have overcome their own different types ofhardship such as accidents or illnesses. From a
global perspective, there are also former soldiersin countries with conflicts who participate in
amputee football. In the sense that “this is not
the future each of us would have wished for ourselves,” it would probably be best if this type ofsport did not exist. That said, I feel that “if I am
blessed with such a positive environment here,
then a happy story will begin,” so I am working
to improve my competitive strengths. Besides
just receiving everyone’s support, in the future
we will search for something we can give back tosociety while competing and always remembering to have fun.

* Person in charge of specialized areas related to automobile repairs

25Top Message

Aiming for a strong and people-friendly presence that
supports preparations for the future in times of needWe will continue to proactively take on challenges so that
we can serve a useful purpose to our customers.
In 2016 strong earthquakes struck Kumamoto, Oita andTottori prefectures and affected many people. To thepresent, Tokio Marine Group has continuously worked as
one to support disaster-stricken areas, beginning withmaking on-site responses to customers.
Besides such earthquakes, in recent years there have also
been frequent occurrences of other natural disasters such as
wind disasters and flood disasters. Meanwhile, society is
witnessing a host of unprecedented dramatic changes that
include shifting demographics, advances in technologies
such as artificial intelligence, Big Data and autonomous
driving, and rising geopolitical risk. Under such circumstances, we ourselves must look 20 years and 30 years ahead
and take the initiative to make changes. Concurrently,
we must consider what we can do to support people who
step forward to meet new challenges without fearing
change and then continually take action. Tokio Marine &Nichido’s support for the 2020 Tokyo Olympics andParalympics as a Gold Partner (Non-life Insurance) is one
demonstration of such action. We will also strive to minimize as much as possible the risks involved with taking onchallenges. This will make it easier for customers to do so.
Offering “insurance products equal to the number ofchallenges undertaken” is the essence of our main businesswhile “being useful in times of need” is our mission.
To realize our mission, it is important for each and every
one of the approximately 40,000 employees in 39 countries
and regions around the world to work proactively while
mutually encouraging each other. To do so, as a company
we will promote the building of frameworks through whichcustomers and employees can live physically and mentally
healthy lives and will create environments where diverse
human resources can play active roles. These initiatives that
we are implementing are being widely recognized. As one
such example, Tokio Marine Holdings was named a
Health & Productivity Stock Selection for the second
consecutive year by the Ministry of Economy, Trade andIndustry and the Tokyo Stock Exchange.
We are now in the final year of the mid-term business plan
“To Be a Good Company 2017” and are stepping up efforts
to attain the plan’s objectives. As we aim to be a “Good
Company,” we will continue to take on challenges together
with our stakeholders to create a sustainable future.
In working toward these objectives, I ask for yourcontinued understanding and support.

Introducing Tokio Marine Holdings’ Official Website CSR Page
June 2017

Tokio Marine Holdings CSR

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

Tokyo 2020 Gold Partner (Non-life Insurance)

26

President and Group CEO
Tokio Marine Holdings, Inc.

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

27