KYOSAI IN JAPAN─ FACT BOOK 2022 ─JAPAN COOPERATIVE INSURANCE ASSOCIATION INCORPORATEDKYOSAI IN JAPANFACT BOOK 2022

This brochure has been compiled to introduce the business result of the major kyosai organizations in Japanfor fiscal 2021 and activities of JCIA (Japan Cooperative Insurance Association Incorporated) and its member
societies.
Each cooperative engaged in kyosai business offers support to its members who are anxious about various
things such as natural disasters, road accidents, illness, and their old age, and gets involved in activities toexpand its network of “mutual aid.”
Consequently, the main kyosai organizations under cooperative laws in fiscal 2021 achieved business results
as follows; the number of members: 78 million, the number of policies: 130 million, the amount insured: 797
trillion yen, the premium income : 6,811 billion yen, the claims paid: 4,774 billion yen, the total assets: 67,164
billion yen.
The kyosai organizations have been playing a significant role to supplement social security system in Japan byproviding a means of mutual help among their members.
The kyosai organizations will endeavor to carry out their social responsibilities in order to meet members’
expectations through products that satisfy their needs and prompt claim payments. We appreciate your continued
support and understanding.
We hope this brochure will be useful for well understanding about kyosai and its societies in Japan.

February 2023
JCIAKYOSAI IN JAPANⅠ Kyosai Business in Japan
1.Cooperatives and Kyosai Business(1) About Cooperatives�������
(2) About Kyosai ����������
2.Major Kyosai Organizations in Japan�
3.Major Product Line by Kyosai
Organizations(1) Fire Kyosai �����������
(2) Life Kyosai �����������
(3) Personal Accident Kyosai ����(4) Automobile Kyosai  �������
(5) Annuity Kyosai ���������Ⅳ JCIA Member Societies
2
2
2

3
3
3
3
3

Ⅱ Business Results for
Kyosai Organizationsin Fiscal 2021
1.Overview of the Kyosai Business(1) Number of Members ������
(2) Number of Policies �������
(3) Amount Insured���������
(4) Premium Income  ��������
(5) Claims Paid �����������
(6) Total Assets�����������
2.Business Trends by Type of Kyosai(1) Fire Kyosai �����������
(2) Life Kyosai �����������
(3) Personal Accident Kyosai ����(4) Automobile Kyosai �������
(5) Annuity Kyosai ���������

4
4
5
5
5
5
6
6
7
7
7

Ⅲ About JCIA
1.JCIA ����������������
2.Objectives �������������
3.History ���������������
4.Member Societies����������
5.Management Structure�������
6.Main Activities �����������

FACT BOOK 2022

1.List of Member Societies ������ 10
2.List of Product Line Provided by Major
Kyosai ��������������� 19
3.Member Societies’Efforts towards
Natural Disasters(1) Insurance Claims and Condolence
Money Paid by Member
Societies  ������������ 20(2) Member Societies’Efforts���� 22
4.Member Organizations’Response to
Covid-19 �������������� 24
5.International Activities of the Member
Societies(1) ICA ��������������� 25(2) ICMIF�������������� 25(3) Major activities of ICMIF����� 26

Ⅴ Appendices1.Beginning of the Modern Cooperative
Movement in the World ������ 28
2.History of Kyosai in Japan(1) Establishment of Industrial Union� 28(2) The Dawn of Kyosai ������� 28(3) Toyohiko Kagawa�������� 29
3.Applicable Laws of Major Kyosai
Organizations in Japan (Extract)��� 29
4.ICA Statement on the Co-operative
Identity��������������� 30
5.Inscription on the UNESCO Intangible
Cultural Heritage List �������� 31
6.Japan Co-operative Alliance  (JCA) � 31

8
8
8
8
9
9

1

Ⅰ Kyosai Business in JapanⅠ

Kyosai Business inJapan

1 Cooperatives and Kyosai Business(1) About Cooperatives

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

Ⅲ

About JCIA

A cooperative is a non-profit organization established voluntarily by a group of people who desire to improve their lives
and carry out various activities.
Anyone who pays membership fee in accordance with the terms and conditions of each organization can become amember. The members of a cooperative are able to take advantage of various services offered by each cooperative andcan reflect their own views on the operation. As symbolized by the slogan, “One for all and all for one,” cooperatives
aim to protect and enrich the lives of their members based on the concept of mutual help.
The services of cooperatives are wide-ranging and related to all aspects of our daily life, including agriculture, forestry,
fisheries, purchasing, banking, kyosai, job creation, traveling, housing, welfare, and medical care.
Cooperatives around the world share the same principles to put these values into practice. Especially, they areinternationally expected to serve as one of the organizations to be able to resolve or relieve social problems in eachcountry including unemployment, poverty, and disparity.

(2) About Kyosai
The kyosai is a mutual aid system where the members share their premium to establish mutual assets, and the funds
are paid out at times of unexpected contingencies, to compensate for the financial deficit and stabilize the lives of themembers and their family in preparation for various risks that jeopardize our daily life such as the death, hospitalization,
house damage or traffic accidents.

Ⅳ

JCIA Member
Societies

2 Major Kyosai Organizations in Japan
In Japan various kinds of Kyosai Organizations exist and there are four kinds of cooperative laws such as Agricultural
Cooperative Society Law, Fisheries Cooperative Association Law, Consumers’ Livelihood Cooperative Society Law andSmall, and Medium Sized Enterprise Cooperative Act.
Each Kyosai Organizations is according to the applicable law permitted to operate kyosai.

Ⅴ

Appendices

List of Organizations, their Applicable Laws and Authorities
Applicable Laws
Agricultural
Cooperative Society
Law
Fisheries Cooperative
Association Law

2

The Authorities
of Laws
Ministry ofAgriculture,
Forestry and
Fisheries

Name of Organizations（JCIA members are printed in purple color）
Zenkyoren & Agricultural Cooperatives in
Prefectural and Regional Level(*1)
Kyosuiren & Fisheries Cooperatives in Prefectural andRegional Level (*1)

Kokumin Kyosai co-op, Nihon Saikyosairen
CO-OP Kyosairen, Zenkokuseikyoren, Seikyo Zenkyoren
Boeisho Seikyo, Kanagawa Kenmin Kyosai(*1)
Zenkoku Denryoku Seikyoren, Kouun kyosai
NihonYusei Group Roudousha Seikyo
Ministry ofDentsu Kyosai, Shinrin Roren Kyosai
Health, Labor and
Zentabako Seikyo, Zensuidokyosai
WelfareJichiro Kyosai, Kyosyokuin Kyosai
Zentokuseikyoukumiai
Zenkoku Syuhan Seikyo, Tobacco Seikyo
Zenkoku Choson Syokuin Seikyo
Toshiseikyo, Keisatsu Syokuin Seikyo, Zensyokyo

Ⅱ

About JCIA

Nikkaren & Fire Insurance Cooperatives in
Prefectural and Regional Level(*1)
Kokyoren(*2) & Truck Transport Insurance
Cooperatives(*1or*2)
Zenjikyo & Automobile Insurance Cooperatives in
Prefectural and Regional Level(*1)
Chusairen & Welfare Insurance Cooperatives in
Prefectural and Regional Level(*1)
Kaigyoui Kyosai(*1), Zenbeihan(*3), Nissyokukyoso(*3)

The regulator of each institution is as same as the authorities of applicable laws unless otherwise stated below.
*1 : Regulated by Prefectural Levels*2 : Regulated by the Ministry of Land, Infrastructure, Transport and Tourism*3 : Regulated by the Ministry of Agriculture, Forestry and Fisheries

3 Major Product Line by Kyosai Organizations

Ⅲ

Cooperatives Act
Ministry of
Economy, Tradeand Industry, andothersBusiness Results for
Kyosai Organizationsin Fiscal 2021

Small and Medium
Sized Enterprise
Cooperative Act

Ⅰ

Consumers’
Livelihood
Cooperative Society
Law

Name of Organizations（JCIA members are printed in purple color）

Kyosai Business in
Japan

The Authorities
of Laws

Applicable Laws

Ⅳ

JCIA Member
Societies

Kyosai products by the cooperatives cover total protection such as life and non-life as preparation for a variety of risks
members face within their lives.
Kyosai organizations provide a wide range of coverage to satisfy the needs of their members. Among them, the fivetypical products are as follows;(1) Fire Kyosai
This is to provide coverage against damages to homes and contents caused by fire, lightning strike, burst and explosion.
Also, there are some products which cover the damage caused by earthquake, storm, flood and snowfall.
This is to provide coverage against risks with regard to physical well-being (death, physical impediment, sickness,injury, nursing care). There are other types of kyosai under which a policyholder can reserve money for the life or forthe education of children.

(3) Personal Accident Kyosai
This is to provide coverage for death or injury etc. caused by a variety of accidents.

(4) Automobile Kyosai
This policy provides compensation for damages to the other party caused by automobile accidents, accident coveragefor the insured and their family members, and physical damage coverage for policyholders’ vehicles.
All vehicles including motorbikes and moped must be insured with the compulsory automobile liability kyosai.

(5) Annuity Kyosai
Annuities are paid every year beyond the specified age after the contribution period to ensure financial stability after
retirement.
3

Ⅴ

Appendices(2) Life Kyosai

Ⅱ

Business Results for Kyosai
Organizations in Fiscal 2021

Ⅰ

Kyosai Business in
Japan

The following are the overall kyosai business performance results for kyosai organizations under cooperative laws in
fiscal 2021, which are based on data of “Kyosai Yearbook 2023” (Business Results in Fiscal 2021) published by JCIA.

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

1 Overview of the Kyosai Business
FY2020

FY2021

GrowthNumber of Members (in thousands)

77,726

77,9760.3%

Number of Policies (in thousands)

130,224

129,753－ 0.4%

Amount Insured (in billions of Yen)

808,584

796,798－ 1.5%

Premium Income (in billions of Yen)

6,818

6,811

－ 0.1%

Claims Paid (in billions of Yen)

4,815

4,774

－ 0.8%

Total Assets (in billions of Yen)

66,866

67,164

0.4%

Ⅲ

About JCIA

※1 “Number of Policies”, “Amount Insured” and “Premium Income” are based on Policies in force※2 “Amount Insured” does not include that of automobile kyosai and compulsory automobile liability kyosai(1) Number of Members…… 77,976 thousand
The number of members increased by 0.3% (249 thousand) up to 77,976 thousand.
(2) Number of Policies …… 129,753 thousand
The number of policies decreased by 0.4% (472 thousand) down to 129,753 thousand.
●Trend in number of policies

Ⅳ

JCIA Member
Societies

（FY）

17

138,254

18

137,108
135,42619
20

130,224

21

129,753
0Ⅴ

Appendices4

90,000 100,000 110,000 120,000 130,000 140,000 150,000（Thousand）

(3) Amount Insured …… 796.80 trillion yen
The amount insured decreased by 1.5% (11,787 billion yen) down to 796.80 trillion yen.

Ⅰ

Kyosai Business inJapan●Trend in amount insured
（FY）

17

872
859

18

845

19
809

20

797
800

900

1,000（Trillions of Yen）

Business Results for
Kyosai Organizationsin Fiscal 2021

0

Ⅱ

21

(4) Premium Income …… 6,811 billion yen
The premium income decreased by 0.1% (7 billion yen) down to 6,811 billion yen.
●Trend in premium income
（FY）

17

6,719

18

7,485
6,509
6,818

21

6,811
0

6,000

7,000

8,000

About JCIA

209,000（Billions of Yen）

Ⅲ

19(5) Claims Paid …… 4,774 billion yen
The claims paid decreased by 0.8% (40 billion yen) down to 4,774 billion yen.
●Trend in claims paid

ⅣJCIA Member
Societies

4,232

17

5,573

18
5,125

19
20

4,815

21

4,774
0

4,000

4,500

5,000

（Billions of Yen）

Appendices(6) Total Assets …… 67,164 billion yen
The total assets increased by 0.4% (298 billion yen) up to 67,164 billion yen.
●Trend in total assets
（FY）

17

66,63018

66,56865,75219
20

66,866

21

67,164050,00055,00060,00065,00070,000（Billions of Yen）

5

Ⅴ

(FY)

2 Business Trends by Type of KyosaiⅠ

Kyosai Business inJapan(1) Fire Kyosai
In comparison with the preceding year (Fiscal 2020), the number of policies decreased by 2.1% (493 thousand) down to23,109 thousand. The amount insured decreased by 0.6% (2,355 billion yen) down to 422,447 billion yen. The premiumincome decreased by 4.7% (88 billion yen) down to 1,759 billion yen. The claims paid increased by 4.9% (82 billion yen)
up to 1,766 billion yen.

◆

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

FiscalYear

Number of
Change from
Policies
Previous(Thousand)Year◆

Business Trend of Fire Kyosai

AmountInsured(Billions of
Yen)

◆

◆

◆

Premium
Claims Paid
IncomeChange from
Change from (Millions of Change from
(Millions ofPrevious
Previous
Previous
Yen)
Yen)
Year
Year
Year

Ⅲ

About JCIA

201724,857－ 1.5%

426,2160.1%

2,180,605－ 27.7%

1,033,032－ 13.9%2018

24,541－ 1.3%

426,9140.2%

2,297,543

5.4%

1,518,278

47.0%

2019

24,043－ 2.0%

425,835－ 0.3%

1,880,424－ 18.2%

1,702,057

12.1%

2020

23,603－ 1.8%

424,802－ 0.2%

1,846,859－ 1.8%

1,684,314－ 1.0%

2021

23,109－ 2.1%

422,447－ 0.6%

1,759,299－ 4.7%

1,766,438

4.9%(2) Life Kyosai
In comparison with the preceding year (Fiscal 2020), the number of policies increased by 0.1% (58 thousand) up to 61,419
thousand. The amount insured decreased by 2.6% (8,239 billion yen) down to 311,405 billion yen. The premium income
increased by 1.5% (54 billion yen) up to 3,594 billion yen. The claims paid decreased by 5.1% (101 billion yen) down to
1,896 billion yen.

Ⅳ

JCIA Member
Societies◆
FiscalYear

Ⅴ

Appendices

6

◆

◆

Number of
Change from
Policies
Previous(Thousand)Year◆

Business Trend of Life Kyosai

◆

◆

◆

AmountInsured(Billions ofYen)

Premium
Claims Paid
IncomeChange from
Change from (Millions of Change from
(Millions ofPrevious
Previous
Previous
Yen)
Yen)
Year
Year
Year

2017

61,497－ 0.6%

346,175－ 3.4%

3,074,299－ 19.5%

1,998,754

0.6%

2018

61,245－ 0.4%

334,041－ 3.5%

3,336,853

8.5%

2,861,589

43.2%

2019

61,056－ 0.3%

325,951－ 2.4%

3,308,623－ 0.8%

2,227,725－ 22.2%

2020

61,3600.5%

319,643－ 1.9%

3,540,148

7.0%

1,996,966－ 10.4%2021

61,4190.1%

311,405－ 2.6%

3,594,023

1.5%

1,896,071－ 5.1%

(3) Personal Accident Kyosai
In comparison with the preceding year (Fiscal 2020), the number of policies increased by 1.0% (178 thousand) up to
17,938 thousand. The amount insured increased by 0.6% (180 billion yen) up to 31,442 billion yen. The premium income
decreased by 2.2% (1.3 billion yen) down to 59.3 billion yen. The claims paid decreased by 8.7% (2.7 billion yen) down
to 28.4 billion yen.

AmountInsured(Billions ofYen)

Number of
Change from
Policies
Previous(Thousand)
Year

◆

◆

◆

Premium
Claims Paid
IncomeChange from
Change from (Millions of Change from
(Millions ofPrevious
Previous
Previous
Yen)
Yen)
Year
Year
Year

24,671－ 1.3%

69,187－ 3.2%

65,025－ 2.3%

39,719－ 6.2%

201824,157－ 2.1%

66,183－ 4.3%

63,477－ 2.4%

37,903－ 4.6%

2019

23,067－ 4.5%

60,695－ 8.3%

61,765－ 2.7%

35,018－ 7.6%

2020

17,760－ 23.0%31,262－ 48.5%60,676－ 1.8%

31,084－ 11.2%2021

17,9381.0%

31,442

0.6%

59,346－ 2.2%

28,367－ 8.7%

Business Results for
Kyosai Organizationsin Fiscal 2021

2017

◆

◆

Business Trend of Automobile Kyosai

◆

◆

◆

Premium
Claims Paid
Number ofIncomeChangefrom
Change from (Millions of Change from
Policies(Millions ofPrevious
Previous
Previous
Yen)(Thousand)
Yen)
Year
Year
Year
0.5%

620,159－ 0.6%

334,012－ 1.2%

2018

16,191－ 0.8%

598,418－ 3.5%

332,675－ 0.4%

2019

16,159－ 0.2%

593,655－ 0.8%

325,208－ 2.2%

2020

16,2670.7%

584,085－ 1.6%

290,419－ 10.7%2021

16,219－ 0.3%

574,322－ 1.7%

282,832－ 2.6%◆
FiscalYear◆◆

Business Trend of Annuity Kyosai◆◆

Appendices(5) Annuity Kyosai
In comparison with the preceding year (Fiscal 2020), the number of policies decreased by 0.9% (47 thousand) down
to 5,188 thousand. The premium income increased by 5.0% (37.7 billion yen) up to 798.0 billion yen. The claims paiddecreased by 1.4% (11.1 billion yen) down to 786.2 billion yen.

◆

Premium
Claims Paid
Number ofIncomeChangefrom
Change from (Millions of Change from
Policies(Millions ofPrevious
Previous
Previous
Yen)(Thousand)
Yen)
Year
Year
Year

2017

4,760

0.5%

750,51720.6%

810,611－ 0.8%

2018

4,874

2.4%

1,161,527

54.8%

805,201－ 0.7%

2019

5,056

3.7%

638,705－ 45.0%819,956

1.8%

2020

5,234

3.5%

760,303

19.0%

797,286－ 2.8%

2021

5,188

－ 0.9%

798,038

5.0%

786,209－ 1.4%

7Ⅴ

16,322

JCIA Member
Societies

2017

Ⅳ

FiscalYear◆

About JCIA

(4) Automobile Kyosai (Including Compulsory Automobile Liability Kyosai)
In comparison with the preceding year (Fiscal 2020), the number of policies decreased by 0.3% (48 thousand) down to
16,219 thousand. The premium income decreased by 1.7% (9.8 billion yen) down to 574.3 billion yen. The claims paiddecreased by 2.6% (7.6 billion yen) down to 282.8 billion yen.

Ⅲ

Business Trend of Personal Accident Kyosai

Ⅱ

◆

Ⅰ

FiscalYear◆

Kyosai Business in
Japan

◆

Ⅲ About JCIA
Ⅰ

Kyosai Business inJapan

1 JCIAJCIA is a general incorporated association which wasestablished for the purpose of promoting coordination
among member societies and contributing to thedevelopment of cooperatives and kyosai. Main activities
of JCIA are Research and Studies of cooperatives andkyosai, Human Resources Development and Training formember societies, Public Relations, Publishing a monthly
journal “Cooperative and Commercial Insurance”, andProviding Consultations about inquiries and complaints
from policy holders and/or their related persons.

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

2 Objectives
The purpose of JCIA shall be to promote sounddevelopment of the kyosai businesses operated bycooperatives, thereby contributing to stabilizing the
lives and improving the welfare of people engaged in

the agriculture, forestry and fisheries industries as wellas other employees and workers in local communities orsmall and medium-sized business owners.

3 History
Ⅲ

About JCIAⅣJCIA Member
Societies

After World War II, quite a few kyosai organizations were
established and have subsequently developed in Japan.
Kyosai has steadily spread its network of cooperationand drawn further attention from the society as an entity
supporting many members’ life.
In these surroundings, cooperation and exchanges between
kyosai organizations with common philosophy and basehad been increasing, and there has arisen a need to establish
a framework to share and coordinate the opinions of thesesocieties in order to deal with common issues.
Under these circumstances, in April 1992, JCIA
was established as a body to promote cooperation andcoordination among kyosai organizations as a result ofcollective efforts by seven kyosai organizations.
After an establishment, JCIA has carried out activities

such as research and study, training, publication, holding
seminars and lectures, conducting “Research Committee
on Cooperative Insurance Theory” in order to deal with
common issues among the member societies and topromote exchanges between kyosai organizations.
JCIA launched the Customer Consultation Department in2003 as the third party body with the aim of consultationand support for the resolution of complaints fromcooperative insurance policyholders. It was certified by
the Minister of Justice under the ADR Promotion Act in2010.
JCIA made a transition to a general incorporated
association in April 2013, responding to a reform of the
public interest corporation.

4 Member Societies

Ⅴ

Appendices

At present, JCIA consists of 12 full members, 1 first-class
supporting member and 4 second-class supporting members.
■ Full Member
Full Member is a cooperative that is established inaccordance with the laws for the purpose to operate the
kyosai business nationwide in Japan and any organizationequivalent.
■ First-Class Supporting Member
First-Class Supporting Member is a cooperative body that
Membership Categories

Full Member

8

is established in accordance with laws for the purpose ofoperating the kyosai business nationwide in Japan.
■ Second-Class Supporting Member
Second-Class Supporting Member is a cooperative bodythat is established in accordance with laws for the purposeof operating the kyosai business.

Organization Name
Zenkyoren (National Mutual Insurance Federation of Agricultural Cooperatives)
Kyosuiren (National Mutual Insurance Federation of Fishery Co-operatives)
Kokumin Kyosai co-op (National Federation of Workers and Consumers Kyosai Cooperatives)
Nihon Saikyosairen (Japan Reinsurance Federation of Consumers’ Cooperatives)
CO-OP Kyosairen (Japan CO-OP Insurance (kyosai) Consumers’ Co-operative Federation, JCIF)
Zenkokuseikyoren (The Federation of Japanese Consumer Cooperatives, FJCC)
Seikyo Zenkyoren (Japan Federation of Mutual Aid Cooperatives, JAFMAC)
Nikkaren (National Federation of Fire Insurance Co-operatives for Small Business)
Kokyoren (National Mutual Insurance Federation of Truck Transport Co-operatives)
Zenjikyo (National Federation of Motor Insurance Cooperatives)
Zenrosai Kyokai (The Foundation for Promoting Workers Welfare and Mutual aid Insurance)
Kyoei Fire (The Kyoei Fire and Marine Insurance Company Ltd.)

Membership Categories
Organization NameFirst-class Supporting Member NOSAI Kyokai (National Agricultural Mutual Insurance Association)
Boeisyo Seikyo (Consumer Co-operative of Ministry of Defense)
Kanagawa Kenmin Kyosai (The Kanagawa Kenmin-Kyosai Consumer’s Cooperative Insurance)
Second-class Supporting Member
Chusairen (Small and Medium size Enterprise Welfare Cooperative Insurance Federation)
Kaigyoui Kyosai (Cooperative of Mutual Insurance for Medical Practitioners)

Ⅰ

Kyosai Business inJapan

5 Management Structure
General Membership Meeting
Auditor

Voice Chairperson
Senior Managing Director
Managing Director

Examination Committee
for Mediation/Arbitration

About JCIA

Administrative Committee
Secretariat
Planning
Department

Research & Study Department
Planning Office for
Cooperative andCommercial Insurance

Customer Consultation
Department

6 Main Activities

Ⅳ

JCIA Member
Societies

considering various social issues.
(4) Promotion of Mutual Exchanges• Promotion of cooperation and coordination among themember societies.
• Cooperation with domestic cooperatives as a member ofJapan Co-operative Alliance (JCA).
• Cooperation with kyosai-related organizations.
(5) International Activity• Cooperation with overseas cooperatives and cooperative
insurers such as International Co-operative Alliance(ICA) and International Cooperative and Mutual
Insurance Federation (ICMIF).
• Conducting research and studies on trends in thesituation concerning cooperative/commercial insurancein overseas.
• Dissemination of information to overseas countries.
(6) Consultations• Providing telephone consultations about inquiries andcomplaints from policy holders and/or their related
persons regarding kyosai business operated by themember societies.
• Support for the resolution of disputes provided by
Customer Consultation Department as the Alternative
Dispute Resolution (ADR) body certified by the
Minister of Justice under the ADR Promotion Act.

Appendices(1) Research and Studies• Conducting research and study activities and expressing
opinions to address common issues to the member
societies (e.g. the revision of laws, etc.).
• Research on kyosai theory conducted by the “ResearchCommittee on Kyosai Theory,” comprised mainly of
researchers.
• Keeping track of trends in the cooperative/commercial
insurance business and exchanging information.
• Organizing business study workshops in order toprovide the executives and employees of the member
with information of international and domestic issues
which affect kyosai.
(2) Human Resources Development and Training• Holding training seminars in order to improve the skillsof the executives and staff of kyosai organizations,and provide information for the member societies andrelated organization.
• Support for training seminars operated by the member
societies.
(3) Public Relations and Publications• P ublishing a monthly journal “Cooperative andCommercial Insurance,” and its supplement “Kyosai
Yearbook” etc.
• Publishing “Kyosai in Japan Fact Book.”• Holding “JCIA Seminars” with the aim of raisingawareness of cooperatives and the kyosai business, and9Ⅴ

General Aﬀairs
Department

Ⅲ〈Sub Committee〉
・Consumers Cooperative Society
Committee
・Small & Medium Enterprises
Cooperative Society Committee〈Workshop on speciﬁc theme〉

Ⅱ

Chairperson

Basic Policy Committee

Business Results for
Kyosai Organizationsin Fiscal 2021

Board of Directors MeetingⅣ JCIA Member Societies
Ⅰ

Kyosai Business inJapan

1 List of Member Societies

Full Member
Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

Zenkyoren
Address

Ⅲ

About JCIA

Applicable Law

JA Kyosai Building, 2-7-9, Hirakawa-cho, Chiyoda-ku, Tokyo 102-8630
Tel:+81-3-5215-9100 (https://www.ja-kyosai.or.jp/)
The Agricultural Cooperative Society Law

Competent Authority

Ministry of Agriculture, Forestry and Fisheries

Establishment• Established in 1951.
• In 2000 Zenkyoren (then a national federation only) merged with 47 prefectural kyosai federations,which had been located in each prefecture, thus forming a two-tiered organizations consisting of 47
prefectural headquarters and a national headquarter (Tokyo).

Line of Business• Japan Agricultural Cooperatives (JA) nationwide and Zenkyoren jointly run a kyosai business.
• Zenkyoren administers operations including the planning of diverse programs, systems development,
asset management, and liability reserves for claims payment.

Kyosai Product Range• Senility kyosai• Whole life kyosai• Building endowment kyosai• Single-premium whole life kyosai• ‌Underwriting-standards mitigation type whole • Fire kyosai• Automobile kyosailife kyosai• Compulsory automobile liability kyosai• Term life kyosai• Personal accident kyosai• Endowment life kyosai• Liability kyosai• Single-premium endowment life kyosai• Farmer liability kyosai• Children’s kyosai• ‌Assumed-interest-rate change type annuity • Volunteer comprehensive kyosai• Group term life kyosaikyosai• Cooperative-owned building fire kyosai• Medical kyosai• ‌Underwriting-standards mitigation type • Retirement annuity kyosai• National pension fund kyosaimedical kyosai• Defined contribution annuity kyosai• Cancer kyosai• Worker’s property accumulation savings• Nursing care kyosaikyosai• Single-premium nursing care kyosaiand others• Disability kyosai• Specific severe disease kyosai

Features• Kyosai business is one of the services along with farm guidance activity, marketing/purchasing andcredit provided by Japan Agricultural Cooperative Group (the JA Group.)•B ased on its business philosophy of mutual aid, Zenkyoren provides coverage for the entire lives of its
members and policyholders (comprehensive coverage of life, homes and automobiles).
• JA and Zenkyoren jointly contract policies and integrally provide coverage through fulfilling eachfunction.

Ⅳ

JCIA Member
Societies

Ⅴ

Appendices10

National Mutual Insurance Federation of Agricultural Cooperatives• Zensuikyo, forerunner of Kyosuiren, entered into kyosai business in 1951.
• In 2008, Japan Fisheries Cooperatives (JF), Fish Processors Cooperative Association and Kyosuiren
jointly came to write kyosai business according to the revision of the Fisheries Cooperatives
Association Law.

Line of Business• Various types of kyosai, such as fire kyosai, householder’s comprehensive kyosai, comprehensive lifekyosai, crew’s welfare kyosai and the like.

Kyosai Product Range• Choko (Comprehensive life kyosai)• Kurashi (Householder’s comprehensive kyosai)• Nenkin (Fishermen annuity)• Kasai (Fire kyosai)• Noriko (Crew’s welfare kyosai) 		
• Danshin (Group credit life kyosai)• National pension fund kyosai

Features• Kyosuiren comprises fishery cooperatives (JF), fisheries production cooperatives, fish processor
cooperatives and their federations. It was established as the only federation engaged in the kyosai
business with each member cooperative and federation contributing a share of the capital. Jointly
selling kyosai contracts, Kyosuiren, JF and others play their respective roles and operate the kyosai
business in an integrated manner.
• As a major business of JF, JF kyosai aims to expend all possible means to “safeguard the livelihoods”
of fisherpersons, thereby Protecting beautiful sea and fisheries and kyosai contributing to thedevelopment of attractive fishing villages and communities where people can live in affluence andpeace of mind.

Ministry of Health, Labor and Welfare

Establishment• The first Workers and Consumers Kyosai Cooperative was established in Osaka in 1954. Since then the“Prefectural Workers and Consumers Cooperative” has been established in each prefecture.
• In 1957 eighteen prefectural workers and Kyosai Organizations, who had already started businesses,
gathered together to establish a central organization, called the National Federation of Workers andConsumers Kyosai Cooperatives (Abbreviated name: “Rosairen.”)• In 1976 national integration was realized by the unification of campaign policy, kyosai business, profit
and loss accounting, and organizational/secretarial operations. Its abbreviated name was also changed
to “Zenrosai.”• In June 2019, on marking its 60th anniversary, a nickname “Kokumin Kyosai co-op” was adopted inorder to become a more friendly and approachable organization.

Line of Business• Kyosai business, and guidance, information sharing, and arrangements for member societies

Kyosai Product Range• Kokumin kyosai (General public kyosai)• Traffic accident kyosai• New comprehensive health kyosai• Long term life kyosai• Annuity kyosai• Group term life kyosai• New group life kyosai for retirees• New group annuity kyosai

Features• Kokumin Kyosai co-op is a federation which consists of 58 member societies: 47 member societies ofConsumers Kyosai Cooperatives based on local workers in each prefecture, eight member societies ofConsumer Kyosai Cooperatives for workers at workplaces which are constructed beyond the bordersof the prefectures, and three member societies of consumers’ federations.
• Kokumin Kyosai co-op, as a consumer cooperative taking charge of workers’ voluntary welfare
movement, engages mainly in the kyosai business, while it is expanding the circle of mutual relief
for companies’ employees as well as local workers and consumers. In this way, Kokumin Kyosai coop is aiming at the realization of its philosophy, which is, “Creation of a rich and safe society througheveryone’s helping each other.”

AppendicesCompetent Authority

JCIA Member
Societies

Applicable Law

12-10, Yoyogi 2-chome, Shibuya-ku, Tokyo 151-8571
Tel:+81-3-3299-0161 (https://www.zenrosai.coop/)
The Consumers’ Livelihood Cooperative Society Law• Mutual aid benefit kyosai• Smile kyosai (Fire insurance/Natural disaster kyosai)• Smile kyosai with social contribution for eco-house• Smile kyosai for mortgage of Labour Bank• My car kyosai (Automobile kyosai)• Compulsory automobile liability kyosai• Liability kyosai

11

Ⅴ

Address

National Federation of Workers and Consumers Kyosai Cooperatives

Ⅳ

Kokumin Kyosai co-op

Ⅲ

Establishment

Ⅱ

Ministry of Agriculture, Forestry and Fisheries

About JCIA

Competent Authority

Business Results for
Kyosai Organizationsin Fiscal 2021

Applicable Law

Kanda Ogawamachi Nichome Building, 2-3-6, Kanda Ogawamachi, Chiyoda-ku, Tokyo 101-0052
Tel:+81-3-3294-9641 (http://www.kyosuiren.or.jp/)
The Fisheries Cooperative Association Law

Ⅰ

Address

National Mutual Insurance Federation of Fishery Co-operatives

Kyosai Business inJapanKyosuiren

Ⅰ

Kyosai Business inJapan

Nihon Saikyosairen
Address
Applicable Law

12-10, Yoyogi 2-chome, Shibuya-ku, Tokyo 151-8531
Tel:+81-3-3320-1711 (https://www.saikyosairen.or.jp/)
The Consumers’ Livelihood Cooperative Society Law

Competent Authority

Ministry of Health, Labor and Welfare

Establishment• 1975: Kokuro Kyosai (currcntly Zenkoku Kouun Kyosai), Zentei Kyosai, Dentsu Kyosai, Zenrinya
Kyosai (currently Shinrinroren Kyosai) and Zensembai Kyosai (currently Zentabaco Seikyo) formed“Tansan Kyosai Rengokai (Federation of Industrial Cooperative Insurance Societies)” and started
automobile kyosai.
• 1980: Zenrosai, Jichiro Kyosai and Nikkyosai Seikyo (currently Kyoshokuin Kyosai) joined thesecompanies to form Jidosha Kyosairen.
• 1987: Jidosha Kyosairen was reorganized and incorporated to Zenrosai Saikyosairen (Zenrosai
Reinsurance Federation of Consumers’ Co-operatives).
• 2004: Automobile kyosai business was incorporated to Zenrosai.
• 2006: The name of the organization changed from Zenrosai Saikyosairen to Nihon Saikyosairen.

Line of Business• Reinsurance business serving as the key reinsurance player for the kyosai organizations

Kyosai Product Range• Fire reinsurance• Natural peril reinsurance• Life reinsurance• Traffic accident reinsurance

Features• Nihon Saikyosairen is the sole reinsurance operation society in Japan. Through its reinsurance
business, Nihon Saikyosairen has contributed to the stabilization of the management of membershipand the sound development of the business. It also engages in strengthening the relationship between
the member societies and kyosai organizations, and in supporting direct contracts.

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

Ⅲ

About JCIA

CO-OP Kyosairen
AddressⅣ

JCIA Member
Societies• Comprehensive reinsurance• Automobile reinsurance• Compulsory automobile liability reinsurance

Japan CO-OP Insurance (Kyosai) Consumers’Co-operative Federation (JCIF)

Applicable Law

4-1-13, Sendagaya, Shibuya-ku, Tokyo 151-0051
Tel:+81-3-6836-1300 (http://coopkyosai.coop/)
The Consumers’ Livelihood Cooperative Society Law

Competent Authority

Ministry of Health, Labor and Welfare

Establishment• 1951: Japanese Consumers’ Cooperative Union (JCCU) was established.
• 1984: JCCU started Kyosai business.
• 2008: CO-OP Kyosairen was established as a federation specializing in kyosai businesses.
• 2009: CO-OP Kyosairen started to operate the businesses.

Line of Business• Kyosai business, and guidance, communication and adjustment for consumer cooperative member
societies, as well as promotion of life planning activities

Kyosai Product Range• CO-OP kyosai (Tasukeai)• CO-OP student comprehensive mutual kyosai• CO-OP automobile kyosai• CO-OP kyosai (Aipurasu)

Features• CO-OP Kyosairen, jointly founded by consumer cooperatives operating CO-OP kyosai businesses and
JCCU, is a consumers’ federation that runs kyosai business.
• CO-OP Kyosairen promotes kyosai in conjunction with the supply and purchasing business for themembers, and kyosai businesses are steadily growing. CO-OP Kyosairen is attracting attention as thedeveloping and expanding kyosai organizations in Japan.

Ⅴ

Appendices12

Japan Reinsurance Federation of Consumers’Cooperatives• CO-OP kyosai (Zuttoai)• CO-OP life kyosai (New ai ai)• CO-OP fire kyosaiEstablishment• Established in 1971 as The Cooperative Unions of Greater Tokyo Area.
• Changed its name to The Federation of Japanese Consumer Cooperatives in 1981.
• Started life kyosai (Kenmin Kyosai) business in 1982.
• Started new fire kyosai (with coverage for storm and flood damage) business in 1985.

Line of Business• Kyosai business, and guidance, communication and adjustment for consumer cooperative member
societies

Kyosai Product Range• Life kyosai (Child type, Comprehensive coverage type, Hospitalization coverage type, Middle andearly old age type, Hospitalization coverage for the middle and early old-aged type)• Fire kyosai (New fire kyosai)

Features• A prefectural kyosai scheme or “Kenmin Kyosai” was established in Saitama in 1973 and it has
subsequently spread throughout Japan. At present, this scheme operates in 47 prefectures. The numberof policyholders is 21.79 million (as of the end of March, 2022).

Applicable Law

Nissay New Osaka Building 14F, 4-30, Miyahara 3-chome, Yodogawa-ku, Osaka-shi, Osaka 532-0003
Tel:81-6-6350-0033 (http://www.zenkyoren.or.jp/)
The Consumers’ Livelihood Cooperative Society Law

Competent Authority

Ministry of Health, Labor and Welfare

Establishment• Established in 1956.

Line of Business• Kyosai business of fire and reinsurance business of fire and traffic accident kyosai

Kyosai Product Range• Fire kyosai• Fire reinsurance

Features• Nationwide organizations that operate community-based kyosai businesses cooperate with each otherwith the aim of developing and improving their regional kyosai businesses.

About JCIA

• Traffic accident reinsurance

JCIA Member
Societies
Appendices

13

Ⅴ

Address

Japan Federation of Mutual Aid Cooperatives (JAFMAC)

Ⅳ

Seikyo Zenkyoren

Ⅲ

Ministry of Health, Labor and Welfare

Ⅱ

Competent Authority

Business Results for
Kyosai Organizationsin Fiscal 2021

Applicable Law

OMIYAKADOMACHI SQUARE 14F, 2-118, Daimoncho, Omiya-ku, Saitama-shi, Saitama 330-8708
Tel:+81-48-633-6200 (https://www.kyosai-cc.or.jp/)
The Consumers’ Livelihood Cooperative Society Law

Ⅰ

Address

The Federation of Japanese Consumer Cooperatives (FJCC)

Kyosai Business inJapanZenkokuseikyoren

Ⅰ

Kyosai Business inJapan

Nikkaren
Address

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

Competent Authority

Ministry of Economy, Trade and Industry

Establishment• Established in 1960.
• Merged National Mutual Insurance Federation of Co-operatives for Small and Medium SizeEnterprises (Chusho-Kigyo Kyosai) in 2014.

Line of Business• Fire kyosai business written jointly with the member societies• Reinsurance of kyosai liability accepted by the member societies in the course of kyosai business• Original kyosai for members of the member societies

Kyosai Product Range• Fire kyosai• Business interruption support kyosai• Automobile kyosai• Medical & cancer kyosai• Comprehensive personal accident kyosai• Labor disaster compensation kyosai

Features• Nikkaren is a kyosai cooperative organized in response to the needs of small and medium-sizedbusiness owners, who desire to support each other and protect themselves from unexpected accidents
such as fire.
• Sales promotion activities are systematically conducted by signing consignment contracts with small
and medium-sized enterprises, including cooperatives, commerce and industry cooperatives, chambersof commerce and industry, and commerce and industry conferences.
• Nikkaren set up new “Earthquake risk coverage clause” to cover loss and damage of homes andordinary buildings in January 2020 and promotes “Business interruption support insurance”, etc.
for assisting the business continuation of small and medium-sized enterprises, etc. in terms of“compensation.”

Ⅲ

About JCIA

Applicable Law

Nihonbashi Center Building, 11-2, Nihonbashi Hama-cho 2-chome, Chuo-ku, Tokyo 103-0007
Tel: +81-3-3667-5111 (https://www.nikkaren.or.jp/)
Small and Medium Sized Enterprise Cooperatives Act

KokyorenⅣ

JCIA Member
Societies

Ⅴ

Appendices14

National Federation of Fire Insurance Co-operatives for Small Business

Address• Life and personal accident kyosai• Automobile accident expenses kyosai• Income protection kyosai• Business interruption mutual aid kyosai• Small and medium enterprises comprehensive
liability kyosai

National Mutual Insurance Federation of Truck Transport Co-operatives

Applicable Law

Tokyo Track Synthesis Hall, 1-8, Yotsuya 3-chome, Shinjuku-ku, Tokyo 160-0004
Tel:81-3-3341-6271 (http://www.kokyoren.or.jp/)
Small and Medium Sized Enterprise Cooperatives Act

Competent Authority

Ministry of Land, Infrastructure, Transport and Tourism

Establishment• Established in 1972.

Line of Business• Reinsurance business, guidance, adjustment, and communication for member societies and kyosai
business compensating for injuries which the employees of the member societies suffered from labor
accident.

Kyosai Product Range• Bodily injury liability kyosai• Property damage liability kyosai• Physical damage kyosai

Features• Trucking businesses greatly contributed to the economic growth of Japan after the war as the leading
provider of land transportation. However, frequent traffic accidents have caused social problems
and since around 1960, dump trucks have been deemed “deadly vehicles.” Consequently, in thecommercial insurance industry, premium for all types of trucks have been raised and in some cases theinsurer has refused to sign contracts with trucking businesses.
• After 1970, truck transport kyosai cooperatives have been established throughout Japan andkyosai businesses have spread widely to address problems related to traffic accidents. Kokyoren ischaracterized by its cooperatives in the truck transport industry.
• Kokyoren actively promotes traffic accident prevention along with its kyosai business. It holds
approximately 2,500 seminars on safe driving every year.

• Drivers’ and passengers’ personal accident kyosai• Labor accident kyosai• Compulsory automobile liability kyosai• Established in 1975.

Line of Business• Reinsurance business for member societies engaged in automobile kyosai and compulsory automobile
liability kyosai businesses. Guidance, liaison and coordination for member societies. Lending businessfunds to member societies and borrowing funds on behalf of member societies. Automobile kyosai
business written jointly.

Kyosai Product Range• Automobile kyosai

Features• Member societies conduct automobile kyosai businesses, in order to help small and medium-sizedenterprises, etc. to cover, under the spirit of mutual aid, economic losses incurred by other small
and medium-sized enterprises, etc. due to accidents that are attributed to the ownership, use, ormanagement of automobiles owned by them. Zenjikyo operates reinsurance business for those member
societies to diffuse their responsibility to provide kyosai coverage and ensure that the claims will be
paid in an appropriate manner.

The Foundation for Promoting Workers Welfare and Mutual aid Insurance

Competent Authority

Cabinet Office, Ministry of Health, Labor and Welfare

Establishment• National Association of Workers Welfare Promotion was established in 1982 and Foundation forWorkers Welfare and Cooperative Insurance was established in 1989. Both of them were consolidated
and became Zenrosai Kyokai (National Association for Workers Welfare and Cooperative Insurance)
in 2004.
• Zenrosai Kyokai effected entity conversion to a general incorporated foundation in 2013.

Line of Business• Zenrosai Kyokai is a general incorporated foundation that runs think-tank business and mutual aid
business contributing to the improvement and development of workers welfare.

JCIA Member
Societies

Applicable Law

Roundcross Shinjuku 5F, 11-17, Yoyogi 2-chome, Shibuya-ku, Tokyo 151-0053
Tel:+81-3-5333-5126 (https://www.zenrosaikyokai.or.jp/)
Act on Arrangement of Relevant Acts Incidental to Enforcement of the Act on General Incorporated
Associations and General Incorporated Foundations and Act on Authorization of Public Interest
Incorporated Associations and Public Interest Incorporated Foundations

Ⅳ

Address

About JCIA

Zenrosai Kyokai• Compulsory automobile liability kyosai

Insurance Product Range • Expenses insurance for celebration or condolence• Fire insurance for cooperative societies’ own buildings• Automobile insurance for cooperatives societies’ own cars
• Non-life insurance agency business (Fire insurance, Automobile insurance)
FeaturesAppendices• Business associated with expenses insurance for celebration or condolence, fire insurance forcooperative societies’ own buildings, and automobile insurance for cooperatives societies’ own cars is
operated as an approved specified insurance business under the Insurance Business Law.
• As a business to complement the approved specified insurance business, a non-life insurance agency
business of fire insurance and automobile insurance has been operated for organizations that are
eligible to be policyholders in the approved specified insurance business since July 1, 2014. (Insurer:
the Kyoei Fire and Marine Insurance Company Ltd.)• Zenrosai Kyokai comprises the “Three Basic Corporations of Kokumin Kyosai co-op,” together with
Kokumin Kyosai co-op and Nihon Saikyosairen.

15

Ⅴ

Establishment

Ⅲ

Ministry of Economy, Trade and Industry

Ⅱ

Competent Authority

Business Results for
Kyosai Organizationsin Fiscal 2021

Applicable Law

Ichigaya Center Building, 14, Hachiman-cho, Ichigaya, Shinjuku-ku, Tokyo 162-0844
Tel:+81-3-3267-1911 (https://www.zenjikyo.or.jp/)
Small and Medium Sized Enterprise Cooperatives Act

Ⅰ

Address

National Federation of Motor Insurance Cooperatives

Kyosai Business inJapanZenjikyoⅠKyosai Business inJapanKyoei Fire
Address

The Kyoei Fire and Marine Insurance Company Ltd.

ⅡBusiness Results for
Kyosai Organizationsin Fiscal 2021

Applicable Law

18-6, Shimbashi 1-chome, Minato-ku, Tokyo 105-8604
Tel: +81-3-3504-0131 (https://www.kyoeikasai.co.jp/)
The Insurance Business Law

Competent Authority

Financial Services Agency

Establishment• Founded in 1942 by the Central Union of Cooperatives, the predecessor of today’s cooperative unions
and cooperative societies including agriculture, forestry and fishery cooperative unions, shinkin/shinkumi banks, and consumer cooperatives.
• In, 2003, Kyoei Fire became a publicly held corporation from a mutual company. The company was
funded by cooperative unions and cooperative societies, establishing a firm position as an insurancecompany based on cooperative unions and cooperative societies both in name and in reality.

Line of Business• Under the spirit of coexistence and mutual aid, the company operates non-life insurance business basedon strong relationships with various cooperative unions.

Insurance Product Range • Fire insurance (earthquake insurance)• Automobile insurance• Compulsory automobile liability insurance• Personal accident insurance• Medical insurance• Cancer insurance• Income protection insurance• Liability insurance
Features• Comprehensive property insurance• Fidelity credit insurance• General commercial credit insurance• Construction insurance• Civil engineering construction insurance• Comprehensive workers’ compensation insurance• Marine insurance• Cargo marine insurance

Ⅲ

About JCIA

• The company operates a unique insurance business based on relationships with various cooperative
unions and cooperative societies. It has an established reputation for an ability to develop products.
For instance, it developed Japan’s first insurance products including fire insurance with a maturity
refund and hole-in-one insurance.

First-Class Supporting Member
ⅣJCIA Member
Societies

NOSAI Kyokai
Address
Applicable Law

19, Ichiban-cho, Chiyoda-ku, Tokyo 102-8411
Tel: +81-3-3263-6411 (http://www.nosai.or.jp/)
Act on Arrangement of Relevant Acts Incidental to Enforcement of the Act on General Incorporated
Associations and General Incorporated Foundations and Act on Authorization of Public Interest
Incorporated Associations and Public Interest Incorporated Foundations

Competent Authority

Cabinet Office

Establishment• Agricultural Insurance Society was established in 1940.
• Agricultural Mutual Insurance Society was established in 1948.
• Agricultural Mutual Insurance Society was renamed to “National Agricultural Mutual Insurance
Association” in 1949.
• The organization shifted to a public interest incorporated association in 2013.

Line of Business• Research and study of the agricultural insurance system, research and study for promoting agriculture
and stabilizing agricultural management, spread and awareness-raising activities for farmers and the
public, and others

Kyosai Product Range• The businesses of NOSAI are managed by the Agricultural Mutual Insurance Associations (municipal
level), the Prefectural Federation of Agricultural Mutual Insurance Associations (prefectural level),etc. It operates the following kyosai businesses: rice, wheat and barley kyosai; livestock kyosai; fruitand fruit-tree kyosai; field crop kyosai; greenhouse kyosai; farmer’s house kyosai; farming equipmentkyosai; agricultural products in storage kyosai and agricultural management income protection kyosai.

Features• In order to stabilize agricultural management, the agricultural insurance system provides mutual aid
services to compensate for losses incurred by farmers due to natural disasters and other unforeseen
accidents, and insurance services to mitigate the impact of declining agricultural income on agricultural
management.
• NOSAI Kyokai is the central organization of the Agricultural Mutual Insurance Association and thePrefectural Federation of Agricultural Mutual Insurance Associations.

Ⅴ

Appendices16

National Agricultural Mutual Insurance Association

Second-Class Supporting Member
Consumer Co-operative of Ministry of Defense

Applicable Law

Yamawaki Bldg. 2F, 4-8-21, Kudanminami Chiyoda-ku, Tokyo 102-0074
Tel: +81-3-3514-2241 (https://www.bouseikyo.jp/)
The Consumers’ Livelihood Cooperative Society Law

Competent Authority

Mistry of Health, Labor and Welfare

Establishment• Established in 1963.

Line of Business• Various types of kyosai

Kyosai Product Range• Fire kyosai

Features• Boeisyo Seikyo is a consumers’ cooperative society. Its affinity groups in workplace are Ministryof Defense defined by Act for Establishment of the Ministry of Defense (Chapter II), Mutual Aid
Association Of Ministry of Defense defined by National Public Officers Mutual Aid Association
Act (Act No.3), Labor Management Organization for USFJ Employees, Incorporated Administrative
Agency defined by Act on the Labor Management Organization for USFJ Employees, Independent
Administrative Agency, and Boeisyo employee consumer cooperative.
• The organization structure and corps for Ministry of Defense and Self-Defense Forces spreads
nationwide, and its headquarter is in Tokyo and staff are stationed in each place in order to operate thebusiness.

Ⅱ

About JCIAThe Kanagawa Kenmin-Kyosai Consumer’s Cooperative Insurance

Establishment• 1966: A voluntary organization was established and provided “Comprehensive life kyosai” for citizens
in Kanagawa Prefecture.
• 1973: “The Kanagawa Kenmin-Kyosai Consumer’s Cooperative Insurance” was certified andrecognized as “Kenmin Kyosai” in Kanagawa Prefecture.

Line of Business• Kyosai business

Kyosai Product Range• Life and children kyosai• Liability kyosai

Features• In the spirit of mutual aid, the basic philosophy of the association is to “guarantee security and a senseof purpose in life”, and it is a professional association that operates mutual aid businesses, mainly lifekyosai, in Kanagawa Prefecture.
• As an educational program for members, the association holds events such as “Iki-iki Kenko (Vivacious
Health)”, “Iki-iki Seikatsu (Vivacious Life)”, and “Child Care Support” as social activities.

• Traffic accident kyosai• Personal accident kyosai

Appendices17

Ⅴ

Kanagawa PrefectureⅣ

Competent Authority

JCIA Member
Societies

Applicable Law

1-1-8-2, Sakuragi-cho, Naka-ku, Yokohama-city, Kanagawa 231-8418
Tel: +81-45-201-0816 (https://www.kenminkyosai.or.jp/)
The Consumers’ Livelihood Cooperative Society Law

Ⅲ• Long term life kyosai

Business Results for
Kyosai Organizationsin Fiscal 2021

• Life kyosai

Kanagawa Kenmin Kyosai
AddressⅠ

Address

Kyosai Business inJapan

Boeisyo SeikyoⅠKyosai Business inJapan

Chusairen
Address

Small and Medium size Enterprise Welfare Cooperative Insurance Federation

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

Applicable Law

Nihonbashi Aruga Bldg, 2-2-5, Nihonbashi Chuo-ku, Tokyo 103-0027
Tel: +81-3-3275-1121 (http://www.chusairen.or.jp/)
Small and Medium Sized Enterprise Cooperatives Act

Competent Authority

Tokyo Prefecture

Establishment• Established in 2012.

Line of Business• Reinsurance business of kyosai liability borne by the member societies.
• Joint kyosai business concerning kyosai contracts for which it bears kyosai liability jointly withmember societies.
• A range of other businesses conducted in support of member societies.

Kyosai Product Range• Reinsurance business for Life and personal accident kyosai etc.
• Life and medical kyosai• Labor accident kyosai

Features• Chusairen was established as a federation in January 2012. Its base is a kyosai society newly
established by a public interest corporation who had been operated kyosai business for small andmedium-sized owners, responding to the laws related to the reform of the public interest corporation.
Chusairen provides various support business and reinsurance business for the member societies as well
as joint kyosai business with the members.

Ⅲ

About JCIA

Kaigyoui Kyosai

ⅣJCIA Member
Societies

Ⅴ

Appendices18

Cooperative of Mutual Insurance for Medical Practitioners

Address

Toho Building 3F, 1-10-6, Minami Chitose, Nagano City, Nagano 380-0823
Tel: +81-26-217-6600 (http://www.kaigyouikumiai.or.jp/)

Applicable Law

Small and Medium Sized Enterprise Cooperatives Act

Competent Authority

Nagano Prefecture

Establishment• Established in 2010.

Line of Business• Kyosai business for members and its incidental business

Kyosai Product Range• Income protection plan for medical practitioners

Features• Being invested from Cooperatives of medical insurance doctors (Business cooperative) of 7
prefectures and the founders (practitioners), Kaigyoui Kyosai was founded and authorized by the
Kanto Shin-Etsu Welfare Bureau in January 2010 (Since April 2015 it has been supervised by Nagano
Prefecture).
• In August 2010, “ Income protection plan for medical practitioners” was launched in order to offer
income protection and support restoration of business in case of business interruptions due to illness or
injury of medical practitioners.
• Its aims are to stabilize the medical supply system and to secure the business and living of doctors anddentists who are providers of medical care.

2 List of Product Line Provided by Major Kyosai
Fire

Life

Accident

Auto.

Annuity

Others〇〇〇〇Zenkyoren〇〇

Fishery
Cooperatives

Kyosuiren〇〇

Kokumin Kyosai
co-op

〇

〇

CO-OP Kyosairen

〇※ 1

〇

Zenkokuseikyoren

〇

〇

〇

Seikyo Zenkyoren

〇

〇※ 2

〇※ 2

Boeisyo Seikyo

〇

〇

〇

〇※ 1

〇

Kokyoren〇〇

Zenjikyo〇〇〇

JCIA Member
Societies〇

Kaigyoui Kyosai
NOSAI Kyokai〇〇

Appendices※1: Products are based on Kokumin Kyosai co-op’s policy terms and conditions※2: Products are provided by some of the member societies of Seikyo Zenkyoren※3: “Others”are as follows;- ‘Worker’s property accumulation savings kyosai’, ‘Farmer liability kyosai’, ‘Liability kyosai’, ‘Volunteer
comprehensive kyosai’ by Zenkyoren- ‘Mutual aid benefit kyosai’, ‘Personal liability kyosai’ by Kokumin Kyosai co-op- ‘Liability kyosai’ by Kanagawa Kenmin Kyosai- ‘Business interruption support kyosai’ ‘Labor disaster compensation kyosai’, ‘Income protection kyosai’, ‘Businessinterruption mutual aid kyosai’, ‘Small and medium enterprises comprehensive liability kyosai’ by Nikkaren- ‘Labor accident kyosai’ by Kokyoren- ‘Labor accident kyosai’ by Chusairen- ‘Income protection plan for medical protectioners’ by Kaigyoui Kyosai- ‘Rice, wheat and barley kyosai’, ‘Livestock kyosai’, ‘Fruit and fruit-tree kyosai’, ‘Field crop kyosai’, ‘Greenhousekyosai’, ‘Farming equipment kyosai’, ‘Agricultural products in storage kyosai’, ‘Agricultural management income
protection kyosai’ by NOSAI Kyokai

19

Ⅴ

〇

〇

Ⅳ

〇

About JCIA

〇

Ⅲ

〇

Ⅱ

〇

〇

Chusairen

Agricultural
Insurance
Associations〇〇

Nikkaren〇〇Business Results for
Kyosai Organizationsin Fiscal 2021

Kanagawa
Kenmin Kyosai

Business
Cooperatives

Ⅰ

Product Line

Agricultural
Cooperatives

Consumers
Cooperatives

Kyosai Business inJapan

Organization

3 Member Societies’Efforts towards Natural Disasters

Ⅰ

Kyosai Business inJapan（1）Insurance Claims and Condolence Money Paid by Member Societies
In the wake of natural disasters such as huge earthquakes, powerful typhoons, and heavy rains, member societies endeavor
to pay insurance and condolence money promptly to the affected policy holders in order to help them put their lives backin order as quickly as possible and carry out various activities for disaster prevention and mitigation.

■ Natural disasters of insurance payout which exceeded 100 Billion Yen

ⅡBusiness Results for
Kyosai Organizationsin Fiscal 2021

The amount of insurance and condolence money paid by Member Societies amounted to more than 100 Billion Yen for thefollowing devastating natural disasters such as Great Hanshin-Awaji Earthquake in 1995 and the Great East Japan Earthquake
in 2011.
Year
1991

Name of Natural Disasters
19th typhoon of 1991 (Mireille)

Insurance and Condolence Money Paid
172 Billion Yen

1995

Great Hanshin-Awaji Earthquake

144 Billion Yen

2004

18th typhoon of 2004 (Songda)

136 Billion Yen

2011

Great East Japan Earthquake

1,255 Billion Yen

Ⅲ

About JCIA

2016

Kumamoto Earthquakes

184 Billion Yen

2018

21st typhoon of 2018 (Jebi)

189 Billion Yen

2019

15th typhoon of 2019 (Faxai)

130 Billion Yen

201919th typhoon of 2019 (Hagibis)

146 Billion Yen

2021

Fukushima Earthquakes of 2021

127 Billion Yen※The above figures are the total amount of payments calculated based on reports from individual member societies as of the end of September 2022.
Some member societies may include in the amount of payments not only general insurance payouts but also life insurance payouts.
The total amount of payments does not include any payments made by member societies who are not able to figure out the amount for each disaster.

19th typhoon of 1991 (Mireille)

Human damage: Number of missing and dead: 62; number of injuries: 1,499.
Property damage: Number of damaged houses: 170,447; number of houses inundated above and below floor level: 22,965.

Ⅳ

JCIA Member
Societies

Great Hanshin-Awaji Earthquake

Human damage: Number of missing and dead: 6,437; number of injuries: 43,792.
Property damage: Number of completely destroyed houses: 104,906; number of half destroyed houses: 144,274; numberof partially destroyed houses: 390,506.

18th typhoon of 2004 (Songda)

Human damage: Number of missing and dead: 45; number of injuries: 1,301.
Property damage: Number of damaged houses: 43,140; number of houses inundated above and below floor level: 8,360.

Ⅴ

AppendicesGreat East Japan Earthquake

Human damage: Number of missing and dead: 22,312 number of injuries: 6,242.
Property damage: Number of completely destroyed houses: 122,006; number of half destroyed houses: 283,160; numberof partially destroyed houses: 749,934.

Kumamoto Earthquakes

Human damage: Number of dead: 273; number of injuries: 2,809.
Property damage: Number of completely destroyed houses: 8,667; number of half destroyed houses: 34,719; number ofpartially destroyed houses: 163,500.

21st typhoon of 2018 (Jebi)

Human damage: Number of dead: 14; number of injuries: 980.
Property damage: Number of damaged houses: 97,910; number of inundated above and below floor level: 707.

20

15th typhoon of 2019 (Faxai)

Human damage: Number of dead: 9; number of injuries: 160.
Property damage: Number of damaged houses: 93,096; number of inundated above and below floor level: 276.

Ⅰ

Kyosai Business inJapan

19th typhoon of 2019 (Hagibis)

Human damage: Number of missing and dead: 121; number of injuries: 388.
Property damage: Number of damaged houses: 75,758; number of inundated above and below floor level: 29,941.
※The figures for casualties and damage are based on the Japan Fire and Disaster Management Agency website, “Disaster
information list”. However, for 19th typhoon of 1991 (Mireille), the figures are based on the Japan Meteorological
Agency website, “Examples of typhoon disaster”

57 Billion Yen
78 Billion Yen

21st typhoon of 2018 (Jebi)

189 Billion Yen

24th typhoon of 2018 (Trami)

92 Billion Yen

15th typhoon of 2019 (Faxai)

130 Billion Yen

19th typhoon of 2019 (Hagibis)

146 Billion Yen

Fukushima Earthquakes of 2021

127 Billion Yen

About JCIA

Heavy Rain of July 2018

※The above figures are the total amount of payments calculated based on reports from individual member societies as of the end of September 2022.
Some member societies may include in the amount of payments not only general insurance payouts but also life insurance payouts.
The total amount of payments does not include any payments made by member societies who are not able to figure out the amount for each disaster.

Ⅳ

JCIA Member
Societies
Appendices

21

Ⅴ

Earthquake in Osaka-Fu Hokubu

Insurance and Condolence Money Paid

Ⅲ

Name of Natural Disasters

Ⅱ

The following are the amount of insurance and condolence money paid by Member Societies for recent great natural disasters.

Business Results for
Kyosai Organizationsin Fiscal 2021

■ Insurance payout for recent great natural disasters

（2）Member Societies’Efforts

Ⅰ

Kyosai Business inJapan■ D istribution of free disaster-relief
tarpaulins / emergency kits andprovision of free temporary housing

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

Zenkyoren provides free disaster-relief tarpaulins
and emergency kits to its policyholders whose houses
have been damaged due to natural disaster and provides
temporary housing free of charge for eight months if they
can no longer live in their houses due to a fire or otherdisaster. (This service is for Zenkyoren policyholders
who fulfill certain requirements.)■ Support activities including visits toall insured households
Kyosuiren visits all insured households in the disasterstricken regions to assess any earthquake and typhoon
damage, and works to provide relief payments as quickly
as possible. Moreover, Kyosuiren has conducteddisaster relief activities including the delivery of relief
supplies to the victims of natural disasters that occurredin FY2021, including heavy rainfalls, typhoons, andearthquakes.

■ Launch of an information magazine
Inochi no Koe

Tarpaulin (Size：3.6 m × 5.4 m (12 tatami mats))

Ⅲ

About JCIA

Emergency Kit

Ⅳ

JCIA Member
Societies

Temporary Housing■ Disaster prevention class by professor
the Vuton

Ⅴ

AppendicesWith Jishin the Vuton, a chair-type earthquake simulator,
Zenkyoren offers on-site training programs where
people can experience real ground motion caused byearthquakes that occurred in the past and realize anew
the necessity of preparing daily for an earthquake, suchas fixing of furniture.

Experiences of Jishin the Vuton22

In 2021 Kyosuiren launched an information magazine
Inochi no Koe for the purpose of saving lives from natural
disasters and marine accidents in commemoration of its
70th anniversary. Inochi no Koe is distributed in the formof a leaflet and is posted on the organizations website.
This magazine picks up JF members’ experiences where
they saved their lives from large-scale disasters(earthquakes, tsunami, typhoons and marine accidents)
and the lessons they learned from the experiences, andoffers members life-saving advice.
Both those who give advice andthose who accept it help each otherwith a kind heart and prepare for
future disasters based on the spiritof mutual aid. The first issue picks
up experiences of JF members andofficers who survived the Great East
Japan Earthquake, marking its 10th
anniversary. Experiences of those
who evacuated from the tsunami
and advice from those who sailed
out offshore over the tsunami areFirst issue ofshown as Inochi no Koe, voice ofInochi no Koe
life.

■ Future Disaster Prevention
Mitigation Project

andKokumin Kyosai co-op, which started its businessfrom housing safety and security, offers the “Future
Disaster Prevention and Mitigation Project,” so thatdisaster prevention and mitigation activities can spread
and a safety network can be established for more people.
This Project is based on lessons and experiences the staff
have gained so far while working to cope with disasters.
① Moshimo Project Shibuya
Since March 2021, Moshimo (what-if) Project Shibuya
has been carried out by 3 organizations, Kokumin Kyosai
co-op, Shibuya City Tourist Association, and Future
Design Shibuya, at Shibuya City, where the Kokumin
Kyosai co-op office is located. This project supported by③ Disaster prevention and mitigation programfor children
For a period between Sep. 1, 2021, and Mar. 31, 2022,
Kokumin Kyosai co-op provided a program “the Bosai
Eco CAMP at home” to Junior Eco-Clubs across thenation engaged in voluntary ecological activities incommunities, in cooperation with Japan Environment
Association, a public interest incorporated foundation,
one of the organizations Kokumin Kyosai co-op donates
to. The program aims at raising children’s awareness of
disaster prevention and mitigation.

Ⅰ

Ⅱ

Ⅲ

About JCIA

Kokumin Kyosai co-op offers programs across thenation which display disaster photos and relief goods by
combining various events such as disaster-prevention
scientific experiment shows and disaster-prevention
picture-story shows in a pleasant and understandable
way. The programs are so family-friendly that both children
and grown-ups can join in. Kokumin Kyosai co-op heldsuch programs 13 times in FY2021, and a total of 472
times so far.

Business Results for
Kyosai Organizationsin Fiscal 2021

■ Activities for disaster prevention andmitigation—Bosai Café—

Kyosai Business inJapanShibuya City aims at raising awareness of communitybased disaster prevention and mitigation.
At Shibuya, gathering various people who are living
lives, working, and enjoying themselves, this Project
aims at creating resilient communities by encouraging
each person to consider what they can do for Moshimo
Day, what-if Day, and prepare for the day.
Autumn Moshimo Week was held at Shibuya Miyashita
Park by showing Moshimo 100, useful tips for Moshimo
situation in a period including International Day for
Natural Disaster Reduction (Oct. 13) and Mutual Aid Day(Oct. 15) in 2021. Moreover, Social Innovation Week
(SIW) Shibuya 2021, Long Panel Discussion, Moshimo
Conference for evolving urban disaster prevention was
held.
In October 2021, the Shibuya City Social Action Partner(S-SAP) Agreement was entered into between variousorganizations and Shibuya City for the purpose ofsolving communal problems.

SIW 2021 Long Panel Discussion, Moshimo Conference for
evolving urban disaster prevention

Ⅳ

Bosai Café

JCIA Member
Societies

Kyoei Fire & Marine Insurance creates and offers
a risk map for each location in order to raise awarenessof disaster prevention and mitigation, and contribute to
the safety and security of each community. With the risk
map, Kyoei Fire makes efforts to talk with individual andcorporate clients. Behind Kyoei Fire’s efforts, the risk ofproperty damage and long-term leave is increasing due
to intensified large-scale storm and flood damage that
occurs more frequently.

Diagnosis service for the ground under your house
Disaster risk map for corporate clients23

Ⅴ■ Contribution to disaster prevention
and mitigation by offering risk maps

Appendices② Diagnosis service for the ground under yourhouse
In June 2021, Kokumin Kyosai co-op started to provide
diagnosis service for the ground under one’s house forthe purpose of raising disaster awareness and promoting
the preparedness for disaster in cooperation with Japan
Home Shield. The service enables us to confirm theground strength and natural disaster risks.
By entering the address of the area you are interestedin, you can view on one page the ground strength andnatural disaster risks, and use them when confirming
dangerous areas and evacuation sites in time of a disaster,and considering purchase or construction of a house.

4

Member Organizations’Response to Covid-19

Ⅰ

Kyosai Business inJapan

Each member makes efforts to pay mutual aid money appropriately and promptly to the insured affected by Covid-19.
Mutual aid money, etc., paid during the period between Apr. 2020 and Jun. 2022 is as follows.
Hospitalization＊1
Number of
ClaimsⅡ

Business Results for
Kyosai Organizationsin Fiscal 2021

Ⅲ

About JCIAⅣJCIA Member
Societies

Ⅴ

Appendices24

Death＊2

Others＊3

Total

Payment
Payment
Payment
Payment
Number of
Number of
Number of(Millions(Millions(Millions(Millions
ClaimsClaimsClaimsof Yen)of Yen)of Yen)of Yen)Apr. 2020-Mar. 2021

52,357

3,740

1,170

3,431

5,764

46

59,291

7,216

Apr. 2021-Mar. 2022

518,057

35,314

2,938

10,4193,309

157

524,304

45,890

Apr. 2022-Jun. 2022

1,095,780

69,920

858

2,474

934

Total

1,666,194

108,973

4,966

16,32410,007118 1,097,572

72,512

321

125,618

1,681,167*1 Hospitalization includes payment for Covid-19 patients who stayed at home or hotels due to circumstances of medical institutions, in addition to
payments for Covid-19 inpatients.
*2 Death shows the total of mutual aid money for deaths & accidental deaths due to Covid-19.
*3 Others shows the total of payment not relevant to hospitalization and deaths, but for residual disability, deaths of a supporter, hospital visits,
surgeries, etc.

International Activities of the Member Societies

Kyosai Business in
Japan

Ⅰ

5

Philosophy and practice of cooperatives have been spreading not only in Japan but also in the world.
Each member society participates in various international activities based on its belief that development of co-operative
movement in the world contributes to the world peace, enhances social justice and improves people’s living and welfare.

(1) ICAⅡBusiness Results for
Kyosai Organizationsin Fiscal 2021

International Co-operative Alliance (ICA, established in 1895, and headquartered in Brussels, Belgium) is an allianceof cooperatives, in which 318 alliance members across more than 110 countries participate. Nationwide organizationsof cooperatives across all kinds of sectors including agriculture, consumer, credit, insurance, health, fishery, forestry,workers, tourism, housing, and energy join in ICA from all over the world. The worldwide affiliated members of ICA
amount to about 1.2 billion individuals.
For the purpose of expanding the cooperative movement all over the world, promoting international cooperation among
cooperatives, disseminating the values and principles of a cooperative, and contributing to world peace and security, ICA
has been working on spreading information, conducting international conferences and seminars, and taking initiatives toreflect its opinions and suggestions to the United Nations (UN) agencies and other organizations.
JCIA has been an associate member of ICA since 2014.

(2) ICMIFⅣJCIA Member
Societies

ICMIF Organization
Regional Association's Secretariat
ICMIF / Americas

AOA

Appendices

General Meeting

Board
Executive Committee

Development CommitteeIntelligence Committee

Reinsurance Committee

25

Ⅴ

ICMIF Members

Ⅲ

About JCIA

International Co-operative and Mutual Insurance Federation (ICMIF, established in 1922, and its secretariat in Manchester,UK), is one of the sectional organizations of ICA. There are 197 members at ICMIF as of October 2022. The total
amount of premium income in all members in 2020, is about 247 billion USD. ICMIF conducts some activities, suchas exchanging information, holding a seminar, personnel exchange and reinsurance business in order to work toward
development of cooperative insurance.
There are seven ICMIF full members, which are Zenkyoren, Kyosuiren, Kokumin Kyosai co-op, Nihon Saikyosairen,
CO-OP Kyosairen (JCIF), Nikkaren, and Kyoei Fire among JCIA member societies, also JCIA is an associate member.
Zenkyoren and Kokumin Kyosai co-op are the ICMIF Board member. Japanese ICMIF members enhance international
cooperation by serving as the director or the member of various committees of ICMIF.
Also, there are 43 members in 11 countries at Asia and Oceania Association of the ICMIF (AOA), which is a regional
association of ICMIF, as of October 2022, and it holds a seminar, a forum and so on.
AOA’s Secretariat is at Zenkyoren, and Japanese kyosai organizations have played leadership role of its operation.

Japanese kyosai organizations of ICMIF members

Ⅰ

Kyosai Business inJapan

Full Member

Main Role of Japanese Kyosai Organizations

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

• Zenkyoren• Kyosuiren• Kokumin Kyosai co-op• Nihon Saikyosairen• CO-OP Kyosairen (JCIF)• Nikkaren• Kyoei FireICMIF Director Election Organization

Associate Member

AOA Director Election Organization• JCIA• JA Kyosai Research Insutitute• Board Member• Excusive Committee Member• Intelligence Committee Member• Reinsurance Committee Member• Chairperson and Secretariat• Auditor

Zenkyoren, Kokumin Kyosai co-op
Zenkyoren
Zenkyoren, CO-OP Kyosairen (JCIF)
Zenkyoren

Zenkyoren
Kyosuiren(3) Major activities of ICMIF

Ⅲ

About JCIA

① ICMIF Centenary Conference & young leaders’ program
The ICMIF Centenary Conference was held in October 2022 in Rome, Italy, joined by 410 people from 130 organizationof 41 countries. There were various keynote speeches and panel discussions with “Leading with purpose” as the main
theme.
From Japan, 34 people participated from 7 organizations, Zenkyoren, Kokumin Kyosai co-op, Nihon Saikyosairen, Co-op
Kyosairen, Nikkaren, Kyoei Fire & Marine Insurance, and Japan Cooperative Insurance Association.
At the conference, the Young Leaders’ Program was provided for young leaders mainly aged 35 and under from member
organizations. The program aimed at exchanging opinions on international issues of mutual aid and insurance industry,and building an international network of young leaders. From Japan 14 people joined in the program from 5 organizations,Zenkyoren, Kokumin Kyosai co-op, Nihon Saikyosairen, Co-op Kyosairen, and JCIA, and there were 61 participantsfrom 19 countries in total.

Ⅳ

JCIA Member
Societies

Ⅴ

Appendices

ICMIF Centenary Conference

26

Participants in Young Leaders’ProgramICMIF’s 5-5-5 Strategy impacts five UN
Sustainable Development Goals (SDGs)

Ⅰ

Kyosai Business inJapanWill help people escape the vicious cycleof poverty and provide a safety net tovulnerable communities.
Will help to ensure food security throughthe delivery of insurance protection tosmallholder farmers, amongst others.
In addition to increasing access to healthinsurance, will focus on disease prevention
and access to quality healthcare.

About JCIA

Ⅲ

ⅣJCIA Member
Societies③ ICMIF iSDG Calculator
ICMIF is developing the ICMIF iSDG Calculator in cooperation with Swiss Re Institute (SRI).
For the purpose of helping member organizations achieve 17 SDGs, the Calculator scientifically supports insurance
providing member organizations in establishing business goals, baselines, and major issues as to the sustainability, whichmust be notified to partners, investors, member organizations, agencies, etc.
From 2020 to 2021, ICMIF and SRI launched a joint project to create a prototype version of the calculator for ICMIF
members in cooperation with 3 ICMIF members. In addition, ICMIF started an SDG working group where many members
around the world verify the prototype and express their opinions.
After joint verification of the prototype in the working group, which started in March 2022, ICMIF iSDG calculator (trial
version) was released at the Centenary Conference in Oct. 2022.

Appendices

27

Ⅴ

The target communities of the 5-5-5Strategy are the most vulnerable to climatechange.

ⅡWill positively impact on women who aremost often the policyholders of a mutual
microinsurance provider.

Business Results for
Kyosai Organizationsin Fiscal 2021

② Online Seminar Jointly Hosted by AOA & ICMIF
In June 2022, Asia and Oceania Association (AOA) of the
ICMIF and ICMIF jointly held an online seminar on 5-5-5
Mutual Microinsurance Strategy pursued by ICMIF, focusing
on its outcome and lessons.
This Strategy aims at spreading mutual microinsurance foruninsured five million low-income households (25 million
people) in five countries (India, the Philippines, Kenya,
Columbia, and Sri Lanka) for five years from Apr. 2017.
At the online seminar joined by 113 people from 11 countries,
Dr. Jaime Aristotle Alip, who has developed this Strategy andled it to success, and members from the Philippines and India
were invited to make speeches under the theme “Significanceand Challenges of the ICMIF 555 Strategy, report of membersof the Philippines and India.” Participants deepened theirunderstanding of roles of mutual microinsurance.

Ⅴ AppendicesⅠ

Kyosai Business inJapan

1 Beginning of the Modern Cooperative Movement in the WorldⅡBusiness Results for
Kyosai Organizationsin Fiscal 2021

The Rochdale Equitable Pioneers Society, established by a group of 28 artisans in
the town of Rochdale in 1844, is generally regarded as the prototype of the modern
cooperative society.
The original rules and practices they put in place formed what are known as the
Rochdale Principles of Co-operation, foremost among which are the principlesof ‘one member one vote’, ‘pro rata distribution of profits upon the amount ofpurchases’, ‘charging the market prices without credit’, and ‘allocation of certain
profits to education’. These principles are known as the Rochdale Principles of Cooperation and have been succeeded to the cooperative movement today.
These cooperative principles were adopted as a form of “Statement on the Cooperative
Identity” (see page 32) at the General Assembly held in Manchester in 1995.
Today, cooperatives are offering a variety of products and services in many countries
worldwide and are estimated to have around 1.2 billion members.

Ⅲ

About JCIA

2 History of Kyosai in JapanⅣ

JCIA Member
Societies

Ⅴ

Appendices28

The actual building of theRochdale Equitable Pioneers
Society established in 1844.
This is currently used as the
Rochdale Pioneers Museum.

(1) Establishment of Industrial Union
After the medieval period, mutual financing associations called ‘tanomoshi-kou’ or ‘Yui-kou’ came into existence amongcommunity members in villages and towns. However those associations gradually ceased to exist as a result of themodernization by the Meiji Government.
Nevertheless, German cooperatives attracted the attention of the Japanese Government, which focused on importing
advanced western systems under a policy of increasing wealth and military power. “A cooperative model contributes tothe stable lives of farmers which makes up the majority of the Japanese population, and will lead to political stability
in the long run.” This was the background of establishing approval of the Industrial Union Act in 1900 by the Meiji
Government.The act, Japan’s first legislation on cooperatives, had clauses such as ‘freedom of membership & withdrawal’and ‘one member one vote’. The industrial unions which were established based on this act later became Agricultural
cooperatives, Consumer cooperatives and Credit Unions that we see today.
(2) The Dawn of Kyosai
The idea of providing insurance services through industrial unions emerged at the beginning of the Taisho Period. At
the 20th National Industrial Union General Meeting in 1924, a resolution of ‘Commencement of life insurance service’
was officially proposed and approved. Although the same kind of resolutions had been adopted almost every year at thegeneral meetings until 1935, it was quite difficult to realize the service.
Toyohiko Kagawa insisted that industrial unions needed to be authorized to do insurance business under the Insurance
Business Act, but it did not come true. There were two main reasons for this: the policy of Ministry of Finance to close
the insurance market from the unions, and strong opposition from existing insurance companies to open the market to theunions.
Mr Kagawa and his peers tried to purchase insurance companies. They realized a great success in purchasing and merging
two companies and set up Kyoei Fire & Marine Insurance Company in 1942. It started as a company which emphasized
its industrial union character with several leaders from industrial unions assuming key posts in the management team.
In later years, various cooperative laws according to each business sector were enacted during the years between 1947 and1949, which provided cooperatives with the basis with which to start Kyosai business, as well as other services.

（3）賀川豊彦

ⅠKyosai Business in
Japan

賀川豊彦
Toyohiko
KagawaAgricultural Cooperative農業協同組合法
Law ◇Zenkyoren◇ JA共済連

第 1条
この法律は、農業者の協同組織の発達を促進することにより、農業生産力の増進及び農業者の経済的社会的地位
 his law has for its
Tobjective
the promotion of the sound development of the farmers cooperative system, therebyの向上を図り、もつて国民経済の発展に寄与することを目的とする。
improving agricultural productivity
and the socio-economic states of farmers as well as ensuring the development of
第7条 組合は、その行う事業によつてその組合員及び会員のために最大の奉仕をすることを目的とする。
national economy.
水産業協同組合法 ◇ JF共水連
Article 7 A cooperative has for
its objective
the performance of business in order to serve its members and member cooperatives
第1条
この法律は、漁民及び水産加工業者の協同組織の発達を促進し、もつてその経済的社会的地位の向上と水産業のto the maximum degree. 生産力の増進とを図り、国民経済の発展を期することを目的とする。
第4条 組合は、その行う事業によつてその組合員又は会員のために直接の奉仕をすることを目的とする。
Fisheries Cooperative Association
Law ◇Kyosuiren
消費生活協同組合法 ◇ 全労済・日本再共済連・コープ共済連・大学生協共済連・全国生協連・生協全共連・防衛省生協・
Article 1 This law has for its purpose advancement of the national economy by increasing fisheries productivity and improving
神奈川県民共済など
the economic and 第
socialstatus of fishermen and marine products processors through the development of fisheries
1条 この法律は、国民の自発的な生活協同組織の発達を図り、もつて国民生活の安定と生活文化の向上を期すること
cooperative association. を目的とする。
第 9条
組合は、その行う事業によつて、その組合員及び会員〔略〕に最大の奉仕をすることを目的とし、営利を目的とArticle 4 A cooperative has for
its objective
the performance of business in order to serve its members and member cooperatives(omitted) to the maximumしてその事業を行つてはならない。
degree, and shall not be allowed to do business for profit making purpose.
中小企業等協同組合法 ◇ 日火連・交協連・全自共・中済連など
Consumer Cooperative 第Law◇Kokumin Kyosai co-op, Nihon Saikyosairen, CO-OP Kyosairen (JCIF),
1条 この法律は、中小規模の商業、工業、鉱業、運送業、サービス業その他の事業を行う者、勤労者その他の者が相互扶助の精神に基き協同して事業を行うために必要な組織について定め、これらの者の公正な経済活動の機会を
Zenkokuseikyoren, Seikyo Zenkyoren, Boeisyo Seikyo, Kanagawa Kenmin Kyosai
確保し、もつてその自主的な経済活動を促進し、且つ、その経済的地位の向上を図ることを目的とする。
etc
第5条 1 項 1号 組合員又は会員〔略〕の相互扶助を目的とすること。
Article 1 This law has for its objectiveof the voluntary development of the consumer cooperative system by people, thereby
2 項 組合は、その行う事業によつてその組合員に直接の奉仕をすることを目的とし、特定の組合員の利益のみ
stabilizing the people’s lives andimproving the life and culture.
を目的としてその事業を行つてはならない。
3 項 組合は、特定の政党のために利用してはならない。
Article 9 The objective of each Association
shall be consistent with the functions which it is authorized to perform.
農業災害補償法 ◇ NOSAI全国
Small and Medium-Sized第 1条
Enterprise
Cooperatives Act ◇Nikkaren, Kokyoren, Zenjikyo, Chusairen, Kaigyoui
農業災害補償は、農業者が不慮の事故に因って受けることのある損失を補填して農業経営の安定を図り、農業生
Kyosai etc
産力の発展に資することを目的とする。
Article 1 The purpose of this第Actto provide for the organizations necessary for persons engaged in a small and medium-sized
2条 is農業災害補償は、農業共済組合又は市町村（特別区のある地にあっては、特別区）の行う共済事業、農業共済組合連合会の行う保険事業及び政府の行う再保険事業又は保険事業とする。
commercial business, industrial
business, mining business, transport business, service business or any other businessand other persons, such as workers, to engage in business in a cooperative manner based on the spirit of mutual support,
and to secure the opportunity for these people to conduct fair economic activities, thereby promoting their voluntary
economic activities and achieving an improvement in their economic status.
Article 5 (1) (i) The purpose of the cooperative shall be mutual support among partner of the cooperative or partner of thefederation.
(2) A cooperative shall have the purpose to directly serve its partner through its activities, and it shall not conduct any
activities for the purpose of only benefiting specific partner.
(3) A cooperative shall not be utilized for any specifical party.

About JCIA

Article 1

Ⅲ

Ⅳ

JCIA Member
Societies
Appendices29

Ⅴ

In Japan, various types of cooperatives
are operating on different bases
and conditions. Also, applicable laws
in which
協同組合が共済事業を実施できる根拠・条件、共済事業をおこなう協同組合の組織・運営、共済事業をJapanese authorities regulatethekyosaiorganizations’businessandmanagement
arediverseaccordingtotheおこなう協同組合への行政庁の監督に関する法律は、協同組合の種類ごとに定められています。 types oforganizational background. また、それぞれの協同組合法の第１条には、その協同組合が設けられた目的が規定されています。協同Each applicable law stipulates the objects of each law and of each organization. The clause spells out what cooperatives
組合が設けられた目的は、私たちが共済事業を通じて何を実現しようとしているかを言い表しています。
desire to achieve through kyosai services.

Business Results for
Kyosai Organizationsin Fiscal 2021

3 Applicable Laws
of Major Kyosai Organizations in Japan (Extract)
3 主要共済団体の根拠法（抜粋）Ⅱ(3) Toyohiko Kagawa
賀川豊彦は、大正・昭和期のキリスト教社会運動家、社会改良
Toyohiko Kagawa (1888-1960)
wasa 戦前のわが国における労働運動、
social reformer and the first million
seller家で、特に、農民運動や生活協
in Japan during Taisho and同組合運動において、
Syowa period. He重要な役割を担った人です。
played a great role in the labor
movement and peasant movement as well as in the cooperative movement in「一人は万人のために、万人は一人のために」という言葉に賛同
prewar Japan. Moved by words, “One for all, all for one”, he devoted his life to
して、相互扶助にもとづく社会の実現を唱えました。
realize a society based on mutual help. “The true nature of insurance is derived「保険は友愛的で社会性を帯びているものなのに、保険会社にfrom comradeship and socialism,
however commercial insurers make its transition
より資本主義化してしまった。
保険は、本質的に協同組合化されto capitalism. Insurance should be provided by cooperatives”, he stated and made
るべきである」と主張して、保険業法のなかに「協同組合による
every effort to include a clauseon ‘cooperative
insurance’in Insurance
Business
Law. However, his dream did
notの規定を設けるべく活動しましたが実現しませんでした。
come to pass.
保険」
Later, cooperative societies その後、started形を変えて、
to provide各種の協同組合法に根拠を得て、
kyosai services, which were
協同組
different from original idea,合による共済事業がスタートすることになりました。
under the supervision of various cooperative acts.

4 ICA Statement on the Co-operative Identity

Ⅰ

Kyosai Business in
Japan

The Statement on Co-operative Identity was adopted at the 1995 General Assembly of the International Co-operative
Alliance (ICA), held in Manchester on the occasion of the Alliance’s Centenary. The Statement was the product of alengthy process of consultation involving thousands of co-operatives around the world.

〈Definition〉

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021

A co-operative is an autonomous associationof persons united voluntarily to meet theircommon economic, social, and culturalneeds and aspirations through a jointlyowned
anddemocratically-controlled
enterprise.

〈Values〉

Ⅲ

About JCIA

Co-operatives are based on the values ofself-help, self-responsibility, democracy,
equality, equity and solidarity. In the
tradition of their founders, co-operative
members believe in the ethical values ofhonesty, openness, social responsibility
and caring for others.

〈Principles〉

The co-operative principles are guidelines
by which co-operatives put their values
into practice.

Ⅳ

JCIA Member
Societies

1. Voluntary and Open Membership
Co-operatives are voluntary organisations,open to all persons able to use their services
and willing to accept the responsibilitiesof membership, without gender, social,
racial, political or religious discrimination.

Ⅴ

Appendices2. Democratic Member Control
Co-operatives are democratic organisations
controlled by their members, who actively
participate in setting their policies andmaking decisions. Men and womenserving as elected representatives areaccountable to the membership. In
primary co-operatives members haveequal voting rights (one member, onevote) and co-operatives at other levels arealso organised in a democratic manner.
3. Member Economic Participation
Members contribute equitably to, anddemocratically control, the capital of theirco-operative. At least part of that capital

30

is usually the common property of the cooperative. Members usually receive limitedcompensation, if any, on capital subscribed
as a condition of membership. Members
allocate surpluses for any or all of thefollowing purposes: developing their cooperative, possibly by setting up reserves,part of which at least would be indivisible;
benefiting members in proportion to theirtransactions with the co-operative; andsupporting other activities approved by
the membership.
4. Autonomy and Independence
Co-operatives are autonomous, self-helporganisations controlled by their members.
If they enter into agreements with otherorganisations, including governments, orraise capital from external sources, they
do so on terms that ensure democratic
control by their members and maintaintheir co-operative autonomy.
5. Education, Training and Information
Co-operatives provide education andtraining for their members, elected
representatives, managers, and employees
so they can contribute effectively to thedevelopment of their co-operatives. They
inform the general public - particularly
young people and opinion leaders - about
the nature and benefits of co-operation.
6. Co-operation among Co-operatives
Co-operatives serve their members mosteffectively and strengthen the co-operative
movement by working together throughlocal, national, regional and international
structures.
7. Concern for Community
Co-operatives work for the sustainable
development of their communities throughpolicies approved by their members.

5 Inscription on the UNESCO Intangible Cultural Heritage List

Ⅰ

Ⅱ

Business Results for
Kyosai Organizationsin Fiscal 2021
About JCIAIn Japan, approximately 65 million people are members of cooperatives, and the cooperative industries that range fromagriculture, forestry, fisheries, purchasing, finance, mutual insurance, job creation, welfare, medical care, travel, housing
and so on.
In April 2018 Japan Co-operative Alliance (JCA) was organized in order that cooperatives work together with each otherto solve various issues that they face and that the possibilities of their roles and functions expand in the region.

Ⅲ

6 Japan Co-operative Alliance (JCA)

Kyosai Business in
Japan

In November 2016, UNESCO (United Nations Educational, Scientific and Cultural Organization) decided, after a proposalby Germany, to include the “idea and practice of organizing shared interests in cooperatives” on UNESCO’s Intangible
Cultural Heritage list. Intangible cultural heritage is defined in the Convention for the Safeguarding of the Intangible
Cultural Heritage as “the practices, expressions, knowledge, skills, etc. that, transmitted from generation to generation,
are constantly recreated by communities and groups.” The Intergovernmental Committee which decided the inscription
praised a cooperative as an “association that allows for community building through shared interests and values creating
innovative solutions to societal problems, from generating employment and assisting seniors to urban revitalization andrenewable energy projects.”
Moreover, the 2030 Agenda for Sustainable Development adopted by the United Nations 70th General Assemblyin September 2015 acknowledges the role of the diverse private sector, such as “cooperatives,” in achieving the 17
Sustainable Development Goals (SDGs) set out in the agenda.
As described above, cooperatives are receiving increasing recognition from the international community. Cooperatives
in Japan are also expected to further develop the idea and practice of cooperatives to pass them on to the next generation,
through ceaseless efforts to produce effective solutions to problems faced by local communities and create better lives,
work and community.

JCA’s predecessor, Japan Joint Committee of Co-operatives (JJC) was established in 1956 to promote collaboration
among Japanese cooperatives. Since its inception JJC had carried out various cooperative activities both domestically andworldwide. In order to further these collaborative activities, JJC was reorganized into JCA.

ⅣJCIA Member
Societies

With the object of contributing to the cooperative's roles “better living and work creation in sustainable regions”, JCA has
following three functions;(1) Promotion and Support for cooperation among cooperatives on the regional, prefectural, and national level(2) Advocating policies and public relations on cooperatives(3) Education, Research and Study on cooperatives
JCA pursuits to expand collaboration among cooperatives at each stage of the region, prefecture and nationwide while
making full use of JCA's knowledge, information and networks of its various member societies.

Appendices

31

Ⅴ

Currently, JCA has more than 600 organizations including national level cooperative organizations, Prefectural units ofAgricultural Co-operatives and regional level various cooperatives. The JCIA joined JCA as the second-class member
since JCA was founded.

MEMO

KYOSAI IN JAPANFACT BOOK 2022
PUBLISHER: JAPAN COOPERATIVE INSURANCE ASSOCIATION INCORPORATEDKENSEI SHINJUKU BLDG. 6F, 5-5-3, SHINJUKUSHINJUKU-KU, TOKYO 160-0022 JAPAN
PHONE: +81-3-5368-5751
FAX: +81-3-5368-5760
URL:https://www.jcia.or.jp/
PUBLISATION PRINTER/Otowa Printing Co.,Ltd.

JAPAN COOPERATIVE INSURANCE ASSOCIATION INCORPORATEDKENSEI SHINJUKU BLDG. 6F, 5-5-3, SHINJUKUSHINJUKU-KU, TOKYO 160-0022 JAPAN
Phone:+81-3-5368-5751 Fax:+81-3-5368-5760

https://www.jcia.or.jp/