Tokio M arine G roup

CSR
B ooklet 2 015

To g ether into the FutureWe do what we can do today so that you’ll
be glad we’re by your side tomorrow.

We aim to be a close part of people’s lives
and walk together hand in hand.

[ About the cover ]Mangrove (photo of seedling): This is thegeneric name for a group of plants thatgrow abundantly along coastlines in tropicaland subtropical zones. Mangrove planting
activities are symbolic of Tokio Marine Group’s
corporate social responsibility (CSR) initiatives and produce a variety of beneficial
effects such as curbing global warming,
conserving biodiversity and reducing disasterdamage.
Tablet computer: At Tokio Marine & Nichido,
our sales representatives, in particular,
make use of tablets as infrastructure supporting highly productive and diverse ways
of working with the aim of providing highadded value to customers. This booklet offers
rich content that can be viewed on a tablet
in addition to brochure and PDF formats.
Coffee: The modern marine insurance system
has its roots in London around the middle ofthe 17th century when Edward Lloyd
opened a coffee house that became a regulargathering place for ship owners, merchants
and marine insurers. The coffee house thus
became popular for buying and sellingships and cargo and underwriting marine
insurance. (Partial extract from the Tokio
Marine & Nichido website in Japanese)Together into the Future

1.

ProvidingSecurityand Safety

Tokio Marine Group focuses on
three material issues
in our CSR efforts.
Conditions in society and the global
environment are constantly changing,consistently giving rise to new challenges.
As such, Tokio Marine Group works toresolve the numerous issues facing
society. To achieve this, we continuously
focus on three material issues in our CSR
efforts in order to build a future in which
every single person can live in safety andsecurity. Against this background, each of
our employees acts on his or her own
initiative to provide even greater value.
* All affiliations, positions and titles, etc., stated herein are as of thetime of the preparation of this document.

P6

Accident Prevention
Service

P8

Disaster Prevention
Lessons

Material Social Issue

18

Approx.

trillion yen

Average annual amount of damages due
to natural disasters between 2005 and2014 (worldwide)*1
Corporate Profile
Company name

Tokio Marine Holdings, Inc.

Representative

Tsuyoshi Nagano, President and CEO

Headquarters

Tokio Marine Nichido Building Shinkan,
1-2-1 Marunouchi, Chiyoda-ku, Tokyo
100-0005, Japan

Established
CapitalBusiness domains

Number of
employees

April 2, 2002
150.0 billion yen
Domestic non-life insurance business,
Domestic life insurance business,
International insurance business,
Financial and General businesses
33,786 (Domestic non-life insurance:
20,119 Domestic life insurance: 2,267
International insurance: 9,739 Financial
and General businesses: 1,661)(As of March 31, 2015)

Natural disasters have been on the rise
since the 1980s, having a significant
impact on people’s lives and the economy. A pressing task in Japan concerns
the need to take measures against
earthquakes and tsunamis in particular.
We are also faced with a variety ofrisks in our daily lives such as illness,injury, accidents and indemnity liability.

In Tokio Marine Group …
We utilize knowledge and experience related
to risk accumulated over many years in the insurance business in providing value throughour products and services. We are also conducting research into natural disaster risk by
way of industry-academia collaboration andprovide disaster prevention lessons and earthquake restoration support.

*1 EM-DAT International Disaster Database (The average annual amount of damages has been converted at the rate of 120 yen to the U.S. dollar.)
4

2.

3.

Protec t ing
t he E ar t hSupp or t ing
PeopleP10

Mangrove Planting
Activities

P14

Courses to Foster Support
for Dementia Care

P12

Environmental Protection
Activities in Japan

P16

Local Community andSocial Contribution Activities ofGroup Companies

Material Social Issue

Material Social Issue

Average global temperatures have risen

Global

up to

4.8

°C

17.6

Japan

%

39.9

%

Projected temperature change
between 2081 and 2100
(Representative Concentration
Pathways (RCP) 8.5)*2

Proportion of elderly people(aged 65 or over) in 2060*3

Climate change caused by global warming
triggers disasters such as floods, droughts
and massive typhoons and hurricanes, indicating the possibility of greater risk to people’s
lives. In addition, the loss of biodiversity issaid to be rapidly advancing.

The challenge of countering a low birth rate
and aging population is not restricted solely todeveloped countries. In addition, the realitythat people are unable to receive a proper education due to poverty and gender issues occurs primarily in developing nations. A desirable outcome would be the creation of asociety in which people with diverse values
and individuality are able to live and flourish as
human beings.

In Tokio Marine Group …

In Tokio Marine Group …

In addition to mangrove planting and environmental protection activities in Japan and overseas initiated under the Green Gift Project, weare actively taking other key measures that include reducing the environmental impact ofour business activities and seeking to becomecarbon neutral.

In addition to employees actively taking courses
to foster support for dementia care, we participate
in a support program in developing countries
known as Room to Read and also assist theSpecial Olympics Nippon Foundation, among
other ongoing efforts.

*2 Intergovernmental Panel on Climate Change (IPCC) Fifth Assessment Report (September 2013)*3 Annual Report on the Aging Society 2014 (Full version) (Cabinet Office of Japan)

5

Providing
S e curit yand S afet y1.

Accident Prevention Service

Creating stores with peaceof mind utilizing accident
prevention know-how uniqueto an insurance company
At Tokio Marine & Nichido, we encounter a variety ofaccidents every day for which we confirm and analyze the status and cause as part of business activities for non-life insurance. Our Accident Prevention
Service (Loss Prevention Service) recommended toretail stores such as supermarkets, convenience
stores and pharmacies, as well as to restaurants,
has been utilized by over 150 companies and 800
stores to date.

Flow of Initiatives for
Accident Prevention Service(In case of Consumers Cooperative
Co-op Sapporo)

1 . Analyze accidents
Have information on past accidents provided
and confirm trends.

2 . Conduct on-site research
Visit six stores and observe equipment insideand outside as well as the movement of
employees to determine the existence ofrisks that may lead to accidents.

3 . Prepare report
Integrate Tokio Marine & Nichido’s expertise
based on 1 and 2 above and prepare a report.

4 . Report findings at store
managers meeting

Explain points requiring caution in order toprevent accidents and countermeasures incase an accident occurs at a meeting
attended by store managers from 109 stores.

5 . Analyze survey results
Analyze areas at risk of accidents that havedrawn interest based on the results of asurvey collected at the store managers
meeting.

6

With this service, a local sales representative, aclaims service representative, a loss prevention service team from the Claims Service Department of
the Head Office and personnel from a corporate
function (Claims Management Department) transcend boundaries to leverage and connect respective strengths in order to deliver total peace of mind
to customers. In an example regarding Consumers
Cooperative Co-op Sapporo in Hokkaido, we visited actual stores and confirmed the status of facilities and employees’ working conditions before proposing specific accident prevention measures andfirst response measures in case of an accident. We
believe in the importance of realizing peace of mind
both before and after the fact.
In order to be of assistance at critical times andto provide reassurance to customers and local communities, we will conduct analyses based on our advanced
expertise as an insurance company and leverage
our know-how in accident prevention to contributeto safe and secure living for communities.

Consumers Cooperative Co-op Sapporo has 1.5 million union members
throughout Hokkaido in a co-op that got its start from store operations.
Although we were already implementing store safety measures, we werelooking at ways to make our customers feel even more secure.
To this end, we had a third party assess the risk of accidents, and thisopened our eyes to the fact that accidents can be prevented simply bytaking careful notice of the details. As an example, it is possible to prevent people from slipping on a wet floor by laying down mats, which isparticularly relevant in snow-heavy Hokkaido, and to make other improvements through smart, minor changes such as using road stops andplacing signs in the car park.
Moving ahead, we will conduct continuous checks based on diagnostic results and make improvements by looking closely at accident datafrom each store. I hope that we can play a part in creating stores inwhich local people feel comfortable and at ease when shopping.

Shinichi Kawasaki
Senior Managing Director/General Manager,
Service Business Department
General Manager, Insurance Business
Department/Co-op Cooperative Insurance
Consumers Cooperative Co-op Sapporo

STAFF COMMENTS
on LOSS PREVENTION SERVICE

Yusuke Takahashi
Loss prevention service team of the Head
Office and support members from theClaims Service Business Department(Back row, left: Yusuke Takahashi)Technical Assistant Manager, Logistics Loss Prevention Group,
Planning Administration
Tokio Marine & Nichido Adjusting Services Co., Ltd.

Our loss prevention service team of the Claims Service Department of the Head Office specializes in preventing accidents. We
identify and show each customer accident trends and look into
preventive measures suitable for respective trends, which wecompile in a report. In essence, we provide support to sales
representatives and claims service representatives working on
the frontline.
We aim to continue providing safety and security to customers and people using the stores through our loss prevention
activities.

Tokio Marine& Nichido’s
System of
Cooperation

Collaboration

ClaimsManagement
Department

Head Officeloss prevention
service teamSupportSupportOn-site cooperation
Sales
representative

Claims service
representative

Kenichi Yamakawa

Toru Noritake

Deputy Manager, Production Section 2, Sapporo Branch
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Manager, Property and Casualty Claims Service Section,
Hokkaido Claims Service Department
Tokio Marine & Nichido Fire Insurance Co., Ltd.

Consumers Cooperative Co-op Sapporo is both a customer aswell as a sales agency. In that sense, we believed that our
Accident Prevention Service was well suited to the philosophyof the co-op, which places importance on the safety and security of union members, and this provided the impetus for making our proposal.
Although I got the impression in visiting the stores that safety
awareness was high, I was still able to identify areas that could
be deemed hazardous. When we proposed certain improvements, we made use of concepts from an ergonomic perspective stemming from the loss prevention service team at the
Head Office and the Claims Service Department and communicated measures that could be implemented without the needfor excessive cost outlays, which made the customer happy.
Since Consumers Cooperative Co-op Sapporo uses approximately 800 trucks for its delivery business, we also intend
to analyze vehicle-related risk in 2015 to further enhance safety and security.

In the case of Consumers Cooperative Co-op Sapporo, we
provided examples of accidents to which Hokkaido is prone
and were able to reflect these in our proposal. We also received a great deal of feedback from store managers regarding our explanation of first response in case of an accident.
Although response is typically made following an accident andthere is a wealth of accident data available, it’s not common for
detailed observation of an accident site to be made or for a
proposal to be given for preventive measures. By actually visiting stores, we were able to get a feel for and gain an understanding of the various types of risk, which gave us the ability
to talk with the customer from the perspective of loss prevention on a routine basis.
Once an accident occurs at a customer site, in addition tocompensation for the accident itself, business may be affected
in a number of other ways. We are of the firm belief that one of
our roles as an insurance company is to work to prevent accidents before they occur.
7

Providing
S e curit yand S afet y

1.

Disaster Prevention Lessons

Lessons and thoughts on the
Great East Japan Earthquake
for children 20 years after
the Great Hanshin-Awaji
Earthquake
In light of lessons learned from the Great East Japan
Earthquake, Tokio Marine Group decided to initiate
Disaster Prevention Lessons in 2012 with a desire toconvey its knowledge of disaster prevention to children in order to be of benefit in case of future disasters. This desire reached back to Kobe, where theGreat Hanshin-Awaji Earthquake struck 20 years
ago, and the lessons were provided at 11 elementary
schools in that city as part of ShakeOut drills*1 aimed
at raising disaster prevention awareness.

Lessons were given to fifth and sixth grade students at Taisanji Elementary School in Nishi-ku, Kobe in January 2015 based on the three topics “Whyare we afraid of earthquakes?” “What causes earthquakes and tsunamis?” and “What should you do if
an earthquake strikes?” Tokio Marine & Nichido employees served as instructors in providing explanations that included a video and a quiz. Children had
the opportunity to handle actual items in an emergency survival kit prepared for an earthquake, which
stimulated a great deal of interest.
The Sendai Framework for Disaster Risk Reduction 2015-2030 was adopted at the Third United Nations World Conference on Disaster Risk Reduction
held in Sendai in March 2015. The framework specifies that companies should play a part in strengthening disaster prevention capabilities in society
such as through activities to enhance disaster prevention awareness. As of March 31, 2015, our Disaster Prevention Lessons had been given to approximately 12,600 children at around 160
elementary schools throughout Japan. We hope tocontinue providing safety and security by raising disaster prevention awareness and through educational activities so that each child is able to protect
oneself in future disasters.

The lesson made me want to
prepare emergency food and otheritems in preparation for a disaster.

I realized how
many tools there
were for evacuating.

I’ll always keep
in mind what
we were taught.
It took me by surpriseto hear that portable
toilets were so
important.

I learned about the
speed of tsunamis.

I kept putting myself in theposition being talked about as
I listened to the lecture.

8*1 ShakeOut drills
This refers to one of the disaster prevention drills adopted by
Kobe City in fiscal 2014.
The generic name applies to drills comprising the fourstages of “Advance registration,” “Advance learning,” “Drill
initiation” and “Review,” and anyone can participate fromanywhere so long as there is the desire to do so. Being inagreement with the tenets of this initiative, Tokio Marine &Nichido has been implementing Disaster Prevention Lessons
as part of advance learning at elementary schools.

STAFF COMMENTS
on DISASTER PREVENTION LESSONS

Leveraging knowledge as aninsurance company to solve
municipal issues

Junji Tate

It is said that approximately 40% of the people living
in Kobe today were not there when the Great Hanshin-Awaji Earthquake struck. Since children andyoung teachers barely have any memory of the disaster, it has been a major challenge for the prefecture
and city to pass down the experience and lessons
learned. Against this backdrop, I believe that Disaster
Prevention Lessons can help fulfill this role and that’s
why we proposed their introduction to Kobe City.
Although schools repeatedly undertake evacuation
drills and other measures, we have our own unique
way of communicating the need for disaster prevention as an insurance company. In particular, children
rarely get the chance to view simulated images of how
a tsunami unfolds or actual disaster prevention tools,
and these aids have really stimulated interest.
We tell the children to be sure to discuss what theylearned in the lessons with their families. That way we
can keep the memory of the disaster alive in the hopethat it will be of benefit in future disaster prevention.

Manager, Osaka Government Sector Section,
Kansai Government Sector & Financial
Tokio Marine & Nichido Fire Insurance Co., Ltd.

I hope to keep alive thememory of the earthquake.

columnCampaign to Bring Peace of Mind

10,000 paper cranes with our bestthoughts from Kobe to Tohoku
Together with our customers, we want to provide support to disaster-affected areas of the Great East Japan
Earthquake from Kobe, a city that has also experienced
extensive earthquake damage and yet bounced back.
This desire became the impetus for a campaign by Tokio
Marine & Nichido’s Kobe Chuo Branch to deliver 10,000
paper cranes to Tohoku in order to bring peace of mind
to our customers. Up until January 17, 2015, every time
an insurance agent visited a customer’s site, he/she had
each person who resonated with the idea behind thecampaign fold a paper crane. In April, an agent representative visited the Watari Green Belt Project*2 in
Watari Town of Miyagi Prefecture and handed over
10,000 paper cranes together with approximately
140,000 yen donated voluntarily by employees.

*2 T he Watari Green Belt Project aims to rejuvenate a coastal forest in Watari Town of Miyagi Prefecture and build
a new town following the devastation of the earthquake disaster.

9

2.

Prote c t ing
t he E ar t hMangrove Planting Activities

Mangrove planting activities
provide “insurance for the
future of the Earth” that willcontinue for 100 years.
“We want to launch a long-lasting initiative to help
protect the Earth.”
Tokio Marine & Nichido’s Mangrove Planting
Project was rolled out in 1999 based on this originaldesire from employees. Tokio Marine & Nichido
committed to being involved in the project for 100
years in 2007. The project is conducted in partnership with Action for Mangrove Reforestation (ACT-MANG), the Organization for Industrial, Spiritualand Cultural Advancement-International (OISCA)
and International Society for Mangrove Ecosystems(ISME), and though collaboration with local governments and communities.
In addition to being effective in mitigating global
warming as they absorb and fix large volumes of
CO2 , mangrove forests are referred to as the “cradle of life” for living creatures. They also feature avariety of other benefits that include supporting the
lives of the people in the region, as they protect thearea’s biodiversity and ensure an abundance of fishing resources. It was reported that mangroves
served as natural levees to protect and save thelives of people from the tsunami that occurred in the
Indian Ocean in 2004 and Typhoon Haiyan in 2013.
In autumn of last year, the United Nations Environment Programme (UNEP) released a report that cited the benefits of mangroves in preventing disasters. We will continue with this initiative to protect
our planet in order to pass down an enriched environment for coming generations.

Expansion of Mangrove
Planting Activities(Tree-planting results (hectares))

Bangladesh
80

India
350

Myanmar2,039

Thailand
1,121

Vietnam
1,648

Malaysia
251

Area planted to date9

countries

8,994

hectares(As of March 31, 2015)
Volume of CO2 absorbed and fixed annually throughmangrove forests

110,000(FY2014)

10

Indonesia
2,624
tons

The Philippines
805

Fiji
74

Thailand

A lush, rejuvenated forest
forms the basis for supporting
people’s lives.
Tokio Marine & Nichido initiated its project to plant trees in Thailand together
with OISCA and the cooperation of the Department of Marine and Coastal
Resources in Ranong Province in 1999.
A total of 1,116 hectares of mangroves have been planted over the 15-year
period to fiscal 2013. Ecosystems have come back to life in 85% of the areas
where the mangrove trees have been planted and it has been reported that alush forest has emerged with diverse flora and fauna.
The tree-planting activities have contributed to the stability of people’s lives
not only by creating employment for the village people but also supporting thehousehold economy with an increase in shrimps, crabs, shellfish and fish in
the forest and raising the income of local fishermen.
At schools near the forested area, children learn about the importance ofprotecting mangroves and also have the opportunity to participate in tree
planting once a year.

A great forest has
emerged from thesmall saplings weplanted together withthe people of Japan.
That’s something I’m
proud of and the forest
has become a treasurefor our village.

Mr. Rahem
Mangrove restoration groupleader from the local village

Acts as“cradle of life”(conservation of
biodiversity)

Status of mangrove development (photos taken in 2014)

Curbs global
warming
Trees planted in 2000

Trees planted in 2007

Trees planted in 2011

Fish hauls are much more
plentiful with the mangrove
forest.

Buildsenvironmental
awareness anddevelops humanresources

Benefits ofmangrove planting

Contributes tolocal economies
and societies

Serves as green
Promotes
coastal breakwaters
cooperation(safety of local
with customers
communities andand societysocieties)

At local schools children learn
the importance of mangroves.
The area was a wide expanse of mudflats
when the tree planting started.

India

To protect the lives ofthe local people and assist
the growth of livestock“We can contain droughtdamage by planting
mangroves.”

Mangrove tree-planting activities have been conducted in India since 2009 incollaboration with ISME and the local non-governmental organization Daheda
Sangh, and in cooperation with the Mangrove Society of India.
The fast flow of the tide at the mouth of the Sabarmati River in Gujarat
gave rise to expansive mudflats with no vegetation. Here, a kind of mangrove,the gray mangrove, was planted. The gray mangrove can grow in tough environments in which there is little precipitation and a high concentration of salt.
Although the trees do not grow tall under such conditions, their effects canbe expected to alleviate shore erosion.
In addition, despite the lack of livestock feed in the dry season of this region, the young leaves of the fully grown, gray mangroves can be given to
dairy cows and other animals. Moreover, seeds from the planted trees can begathered and used for the next round of tree planting or sold.

The young leaves of the fully-grown graymangroves are used as feed for livestock.

Local people are able togather an abundance ofgray mangrove seeds.

Flamingos in and around the
newly sprouting mangrove

11

2.

Prote c t ing
t he E ar t hEnvironmental Protection Activities in Japan

Providing support so thatthe bountiful nature of the
Earth serves as a place
for children’s learning
Tokio Marine & Nichido initiated the Green Gift Project* in 2009 based on the concept of implementing
eco activities together with customers. In addition to
mangrove planting overseas, the initiative has grown
to include environmental protection activities
throughout Japan since October 2013 that are undertaken with the help of local people. The project,which supports eco activities that involve public participation through donations to non-profit organiza-

tions (NPOs) in different areas of Japan, has received the backing of the Ministry of the Environment.
A total of 68 events under the project have been
held in 22 regions as of March 31, 2015 with approximately 3,900 people taking part.
In the year since October 2014, the second yearof the project in Japan, environmental protection activities were undertaken together with 16 organizations nationwide. One of these initiatives was theenhancement of approximately 16 hectares of prefectural land under a project aimed at improving thelandscape of Narayama together with the Nara Hitoto-shizen-no-kai association. An agreement related
to the promotion of environmental education andeco activities was signed between the three partiesof Tokio Marine & Nichido’s Nara Branch, this society and Nara Prefecture in March 2014, thereby giving support to the protection of the natural environment and its original scenery.
Tokio Marine & Nichido will continue contributing to the creation of sustainable regional environments bountiful with nature such as forests, rivers
and the sea through this project together with local
people.

The Reach of the Green Gift Project
Stretches across JapanThe Green Gift Project provides support to 16 organizations engaged in environmental protection
activities throughout Japan through donations andparticipation in different initiatives. A report of theenvironmental activities sponsored by respective
NPOs and other organizations and undertaken together with the public are introduced on the “Green
Gift” page on Tokio Marine & Nichido’s official
website.
http://www.tokiomarine-nichido.co.jp/world/greengift/ (in Japanese)

NEOS*1ECO Republic of
Shirakami*1
Network
Fukushimagata*1
Chaus-Nature Experience
Outdoor School
Mori·Kawa·Umi Hida-minobasin cooperation
conference
Mori no Yuugakusha*1
Yumesaki-no-mori Park
Management Committee*Green Gift Project
Under this project, when a customer chooses
Web-based insurance contracts on our website
rather than paper-based contracts in brochure
form, it reduces the amount of paper resources
consumed. Tokio Marine & Nichido donates
funds corresponding to a portion of the value ofthe reduction in paper used to support
environmental protection activities in Japan andoverseas such as mangrove planting.
Sanki-no-kai*1

Ecosystem Conservation
Society – Saitama*2

Trustee of Research
Association for Shore
Environment Creation*1

Senior Shizen
Daigaku*1
ARCHIPELAGO*1

Oyodo River Basin
Network*1

12

Shizen Kankyo
Network SAREN*1*1 Specified non-profit corporation*2 Public interest incorporated foundation

Hamanako
Satouminokai*1

Nara Hito-to-shizen-no-kai

16 organizations nationwide engaged inenvironmental activities together with
Tokio Marine & Nichido(October 2014 to September 2015)

Yusuke Maruyama

STAFF COMMENTS
on the GREEN GIFT PROJECTJapan NPO Center

NPO

Hidenori Fujita

Under the Green Gift Project, our role is to connect Tokio
Marine & Nichido with relevant NPOs and other organizations. This project is extremely beneficial in promoting understanding of the environmental activities of NPOs in different regions and increasing the number of people who
participate. I am very impressed with the fact that employees
and agent representatives from Tokio Marine & Nichido voluntarily cooperate with program planning and public relations.

Chairman of Nara Hito-to-shizen-no-kai

Aid from the Green Gift Project hasenabled us to purchase tents, helmets
and other equipment and provided
momentum to our day-to-day woodland preservation activities. We havealso been able to establish a framework for accepting many participantsfor our programs. Our activities are
centered on special areas for thepreservation of historic natural features in Nara Prefecture (Nara Heijo
Palace site and Sanryo district). We
aim to continue providing ordinary
people the opportunity to enjoy traditional rural landscapes in Japan byenhancing and making effective
Participants
use of their features.

NPO

Approximately 80 children and their parents took partin the program held in February 2015. Everyone
enjoyed such activities as planting sawthorn oak trees,
planting shiitake mushroom fungus and making
baumkuchen cake using bamboo.
Participants

Employees

Employees

Masayuki Tamakawa, Deputy Manager, Nara Subbranch, Nara Branch, Tokio Marine & Nichido, joins
and helps a group of people taking part in a program.
He takes part in events supporting the Green Gift
Project on every occasion.

Shinya Soeda, Group Leader, Service Group, Nara Branch,
Tokio Marine & Nichido, gives an overview of the Green Gift
Project at the opening ceremony.
Agent

Kaname Higo
Hoken Plan sha Limited

Today I took part with my son and daughter. Everything we did was a new experience andthey both really enjoyed each task. Over the years we have introduced mangrove planting
activities being conducted overseas to our customers as an agent of Tokio Marine & Nichido, and going forward I hope to be able to say with pride that we are conducting activities
in Japan and our local area of Nara as well that benefit the community.

13

3.

S upp or t ing
Pe opleCourses to Foster Support for Dementia Care

Aiming to draw more
employees closer todementia care
According to statistics from the Ministry of Health,Labour and Welfare, the number of elderly persons
in Japan afflicted with dementia is forecast to reacharound 7 million in 2025. Under these circumstances,
the Million-Supporter Caravan for Dementia being
promoted by the Ministry of Health, Labour andWelfare is gaining the spotlight in Japan and abroadfor helping realize a society in which people with dementia can lead their own lives with peace of mind.
This initiative fosters dementia care supporters
across Japan who learn the correct knowledge andways of responding to dementia together with supporting persons with dementia and their families. Asof March 2015, approximately 6.1 million persons
have participated in this program. In line with efforts
to “spread safety and security,” which is one of its
management principles, Tokio Marine Group has
continuously held courses to foster support for dementia care since fiscal 2010. To the present, morethan 2,900 Group employees have become dementia care supporters. Besides acquiring knowledge
about dementia to respond to customers, in recent
years a growing number of employees are recognizingthat dementia is also close to their own lives becauseof a family member or relative who has developed
dementia. This trend has further increased employee motivation to participate in these courses. We
have also received comments from participants who
moved one step beyond the course, such as “I wasable to call out to an elderly person on the street
who appeared lost” and “I’ve become friends at myworkplace with somebody to whom I can talk about
nursing care.” These comments provide a real senseof the widening reach of these courses as an initiative for supporting people.
We aim to continually widen the circle of dementia
care supporters across Japan to provide employeeswith an understanding of dementia at workplaces andas members of society, and encourage them to think
and act from the standpoint of others so that they
can support people.

Courses to Foster Support for Dementia Care
(Tokio Marine & Nichido)
Held at the Main Branch on January 21, 2015

Comments from participating employees• “During role playing, I gained a true sense of the difficulty of responding
to persons with dementia.”• “I hope to become able to respond calmly and with adequate knowledge.”• “I was painfully aware that I should learn a bit more about this field.”

Besides lectures, this course also allocates time forrole-playing sessions that simulate interaction withpersons with dementia at non-life insurance agent
counters and in the community and home. This practical
exercise further deepens participants’ understanding of
dementia.

14

Employees possessing caravan mate* qualifications serveas course lecturers. In addition to explaining the causes
and symptoms of dementia and the mental attitude needed
for interacting with persons with dementia, this course also
conveys the importance of closely empathizing with thefeelings of persons providing dementia care.

Courses to foster support for dementia
care are held based on the texts andDVDs published by the nationwide
Caravan Mate Liaison Council.
Following the course, “Orange Rings”
are handed out to participants as themark of being a supporter.

*Caravan mate: A qualification that allows persons to serve as lecturers for courses to foster support for dementia care

STAFF COMMENTS
on DEMENTIA

Understanding dementia is also
important in our jobs.

Sanaka Uchiyama

Recently we’ve seen a rise in elderly insurance customers, and for this reason, understanding dementia
is also becoming essential. Since 2012, Nisshin Fire
& Marine Insurance has been participating in the
Tokio Marine Group’s caravan mate training program.
We’ve held in-house courses to foster support for
dementia care led by employees who have become
lecturers. Approximately 500 employees, including
management-level staff, have attended these courses
up to fiscal 2014.
Dementia care supporters acquire correct knowledge (dementia is an illness and providing care for theafflicted as well as their families is important) andmust learn to think from the standpoint of other persons. Regarding dementia, changes are also taking
place at Nisshin Fire & Marine Insurance that include
stepping up efforts to review and make pamphlets
easier to understand.
We’ll take creative approaches to the content andoperation of these training courses in the future sothat even more people acquire awareness and correctknowledge of dementia.

Misako Chiba
Assistant Manager, Sales Support Group,Marketing Promotion Department
Nisshin Fire & Marine Insurance Co., Ltd.

A desire to serve society
by spreading knowledge
about dementia

Deputy Manager, Planning Group,
Corporate Planning Department
Nisshin Fire & Marine Insurance Co., Ltd.

Seizing the opportunity to
become a “perceptive
person”

I hope to be involved inthis field my entire life.
When I was thinking what I could do to contribute to thecommunity and society, I attended a course to foster support for dementia care and suddenly realized, “That’s it!”and decided to become a caravan mate. In my job, I’m incharge of training and development, which gives me a genuine feeling that my role is to serve society through teaching.
In the courses I teach, my lectures follow the prescribedcurriculum. However, I notice that when I add real-life examples, role playing and simplified dementia checks to the educational process, the participants’ reactions change dramatically. This gives me the sense that participants aresharing a sense of empathy. I’m also given opportunities totour nursing care facilities on a routine basis, and I listen tostories from acquaintances and gather newspaper articles
and use these to provide more specific topics to my courses.
Dementia is a problem that is close to all of us and there
are many things that persons involved with dementia mustfirst understand.
Looking ahead, I intend to hold easy-to-understandcourses that will resonate with each participant and hopethat I can continue to achieve personal growth as well.
15

3.

S upp or t ing
Pe opleLocal Community and Social Contribution
Activities of Group Companies

Employees around the world
proactively engage in various
activities.
Tokio Marine Group presently carries out its non-life
insurance business, life insurance business, andfinancial and general businesses across a broad
front in 37 countries and regions around the world.
Besides working to solve various social problems
through these main businesses, we believe it is also
important to contribute to society as a good corporate citizen.
Each and every employee of Tokio Marine Group

Japan // Growth of Young People

Japan // Growth of Young People

Australia // Growth of Young People

Tokio Marine Business Support Co., Ltd.
Tokio Marine Asset Management Co., Ltd.

Tokio Marine Millea SAST Insurance Co., Ltd.
Tokio Marine West SAST Insurance Co., Ltd.

Tokio Marine Management(Australasia)

Volunteers for EnclosingChild Line Cards

Participating in Walking
Event to Deepen
Understanding of Orphans

Two Support Activities
for Children

Ashinaga P Walk 10 held by Ashinaga, anorganization providing educational support
for children, is an event that features an approximately 10-km walk to encourage people
to consider the problems faced by orphaned
children. A total of 26 employees and theirfamilies from two Group companies participated in the Kamakura Course walk in November 2014.
*Tokio Marine & Nichido and Meiji Yasuda
Life Insurance Company hold a charity walkevent, Ashinaga Charity & Walk, as a joint
CSR initiative. From Tokio Marine & Nichido,
a total of 1,714 employees and their families
participated in this event in fiscal 2014.

As an initiative for being a “Good Company,”
TMMA carried out two activities for children
in fiscal 2014. The Melbourne Branchagrees with the national goal of supportingchildren with cancer and participated in
CanTeen National Bandana Day in October
2014. Meanwhile, employees from the Sydney Branch made two visits to Lucas Gardens School for children with intellectual
disabilities. Besides supporting classes, employees made donations for the purchase ofdevices that enable communication from achild’s perspective.

Child Line is a dedicated phone line that enables children and youths up to age 18 to talkabout their anxieties or any other issues theywish to discuss. A total of 72 organizations in
42 prefectures and cities (as of November2014) are actively participating in this program
and the specified NPO Child Line Support
Center Japan is supporting these organizations
in each region. Employees from two Group
companies serve as volunteers for enclosing
cards inscribed with the Child Line telephone
number into envelopes that are sent to elementary and junior high schools in Miyagi Prefecture. A total of 64 employees from Tokio Marine
Business Support participated in this activity in
October 2014 and 80 employees from Tokio
Marine Asset Management in November 2014.

16

proactively participates in community and social
contribution activities in accordance with theGroup’s three CSR material issues of “Providing security and safety,” “Protecting the Earth” and “Supporting people.” For our community and social contribution activities based on the concept of“Supporting people,” Group employees in and outside of Japan have participated in various activities
that include promoting youth development and supporting the elderly, persons with disabilities and cancer patients.
In Japan, we are working to attain our target of
exceeding a 100% participation rate in communityand social contribution activities by domestic Group
employees. These efforts are aimed at fostering a
corporate culture that encourages employees to be
involved in community and social contribution activities on a regular basis.
In close collaboration with NPOs and other organizations, we will continue to proactively implement initiatives that utilize businesses, regional
characteristics and the strengths of respective
Group companies.

Japan //Japan //

United States //Support for Persons with Disabilities

Support for Persons with Disabilities

Support for Persons with Disabilities

Tokio Marine & Nichido Systems Co., Ltd.

Tokio Marine & Nichido Medical
Service Co., Ltd.

Safety National Casualty Corporation

Holding Learning Sessions That
Provide Simulated Experiencesof Having Disabilities

Interacting with Persons withIntellectual Disabilities
through Sports

Supporting Sports
Competitions for Persons withIntellectual Disabilities

Based on the slogan “Be Society-Friendly
Systems,” since fiscal 2012 we have held
five in-house learning sessions that provide
participants with a simulated experience of
having disabilities to ensure that all employees
can naturally support persons with disabilities.
A total of 16 employees participated in thewheelchair session held in July 2013. Following
the lecture about persons with disabilities,
participants learned about wheelchair operation
methods and actually experienced riding in awheelchair and providing assistance to persons in wheelchairs. In fiscal 2014, 23 persons
attended the braille session and 18 persons
participated in the visual perception session.

Tokio Marine & Nichido Medical Service participated in the Special Olympics Nippon Tokyo 20th Anniversary 12th Charity Walk &Run Festival. In this event, athletes with intellectual disabilities, together with runners fromcompanies and organizations as well as regular runners, form teams that participate in arace with the aim of deepening friendships.
This race featured three teams and 12 runners
as well as five employee volunteers. Besides
providing support during the race, three ofthese volunteers, who are registered nurses,
patrolled the racing course on bicycles towatch over the participants. Tokio Marine &Nichido Medical Service also provided additional support by loaning AEDs.

Safety National participates as an annual
sponsor of the St. Louis Metro Area Special
Olympics Spring Games for athletes with intellectual disabilities and its employees serve
as volunteers. In 2014 as well, employees
provided athletes with various types of support throughout the entire day of the event.
This included individually attending to eachathlete as partners, escorting athletes to respective competition venues, cheering during
the competitions and accompanying athletes
at the awards ceremony.

Singapore // Support for the Elderly

Japan // Cancer Patient Support

United Kingdom //Cancer Patient Support

Tokio Marine Insurance Singapore

Tokio Marine & Nichido Life
Insurance Co., Ltd.

Tokio Marine Kiln

Christmas Gifts for Residents
at a Home for the Aged

Donating Terry Cloth Caps
to Provide Encouragement
to Cancer Patients

Participating in a Raceat a Cancer Patient
Support Event

In December 2014, 41 volunteers from Group
companies in Singapore visited the Geylang
East Home for the Aged. During this visit, thevolunteers deepened exchanges with residents by holding a buffet-style dinner, singing
Christmas carols and participating in line
dancing, while an employee dressed as Santa
Claus handed out Christmas gifts. After thevisit, the employees and 80 elderly persons
took a bus tour to view Christmas illuminations
within the city. This was a particularly meaningful event because it was the first time in five
years that most of the elderly persons had theopportunity to do so.

Tokio Marine & Nichido Life Insurance joined
activities undertaken by the Iwate Hospice Association, a citizens’ group in Morioka City
that donates terry cloth caps for patients undergoing anticancer drug treatment, and began cooperating in the production of thesecaps in fiscal 2009. Every year, participantsfrom Tokio Marine & Nichido Life stitch thecaps together and produce more than 1,000
caps and donate these caps to cancer hospitals nationwide through the Iwate Hospice
Association. In fiscal 2014, which marked its
sixth year, Tokio Marine & Nichido Life Insurance produced and donated a record-high
1,300 caps.

In addition to a monetary donation from Tokio
Marine Kiln, a team composed of 11 employees participated in an obstacle course raceand solicited donations at Macmillan Cancer
Support in 2014, an event that supports cancer patients held in October 2014. Upon completion of the 12-mile obstacle race held inrain and mud conditions, employees received
over £4,000 in donations. The team also participated in a bread-baking contest, where
members also appealed for donations forcharity activities that provide support in practical, medical care, mental and financial-relatedareas for people living with cancer.

17

TOP MESSAGE

Each and every
individual builds up
trust and continuallyprovides value to ourstakeholders.
June 2015
Tsuyoshi Nagano
President and CEO
Tokio Marine Holdings, Inc.

In 2014, Japan experienced unusually severe cases of major natural disasters
throughout the country that included heavy snowfalls in February, torrential
rainfalls in August and successive typhoons. These events strongly reaffirmed
the important social mission of Tokio Marine Group. Today, four years after theGreat East Japan Earthquake, we still listen closely to the touching stories ofresidents of the devastated regions. This has spurred us to renew our determination to “never forget the event at any cost and continue to do whatever we
can do even in any small way.”
In March 2015, the Third United Nations World Conference on Disaster
Risk Reduction was held in Sendai. At this conference, Tokio Marine Group
displayed various initiatives such as industry-academia collaboration on earthquake
and tsunami risk as well as disaster readiness solutions. By sharing knowledge
and promoting dialogue with governments, NPOs and disaster-prevention experts,
this conference served as an excellent reminder of the unceasing disaster prevention efforts of people around the world and the strong social expectations ofcompanies as well as the major role played by insurance companies.
The world is continuing to evolve at an unprecedented speed, as illustrated
by such changes as the increased frequency of large natural disasters, demographic changes and technological innovations such as self-driving vehicles
and artificial intelligence. These changes herald the arrival of an age in which
we can no longer rely on conventional thinking that merely extends the statusquo. Under such circumstances, in April 2015 our New Mid-Term Business
Plan “To Be a Good Company 2017” was launched. “We will be there for ourcustomers and local communities, playing our part in society in times of need”
has served as the common and cherished cornerstone of our operations during
the 136 years since our establishment. On this basis, members of Tokio Marine
Group encompassing 40,000 employees will anticipate medium- and long-termchanges, seize this moment of transformation and become even closer to andearn the trust and support of customers and society. Through such efforts, I am
confident we can achieve our goal of truly being a “Good Company.”
Insurance is an intangible product, and because of this, “people” and the“trust” built by our people represent the entire essence of our operations. For
this reason as well, we aim to realize a Group with enhanced diversity in which
employees together to solve a variety values around the world play active roles.
Using our bonds of trust with stakeholders as a starting point, we will work
together to solve a variety of issues faced by society toward the realization of afuture in which everyone can live with a sense of security. As we work toward
these objectives, your continued support is highly appreciated.

I served as an instructor at a Disaster
Prevention Lesson (page 8) held at
Higashi Mizumoto elementary school in
Katsushika-ku, Tokyo, in November
2014. The serious looks in the children’seyes were truly memorable.

18

Notice regarding the CSR page on the Tokio Marine Holdings website
Tokio Marine Holdings CSR

SearchThe CSR Booklet is also published in a rich content version that allows videos and audio to be enjoyedusing tablet computers and other devices. Additionally, our Sustainability Report contains more detailed
information and data as well as information such as our initiatives for responding to each stakeholder.
We hope you will access this site.

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

19

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