COOPERATIVE
INSURANCEIN JAPAN

FACT BOOK 2020

JAPAN COOPERATIVE INSURANCE ASSOCIATION INCORPORATEDCOOPERATIVE INSURANCE IN JAPAN FACT BOOK 2020

This brochure has been compiled to introduce the business result of the major cooperative insurers in Japanfor fiscal 2019 and activities of Japan Cooperative Insurance Association Incorporated (JCIA) and its member
societies.
Each cooperative engaged in cooperative insurance 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 to expand its network of “mutual aid.”
Consequently, the main cooperative insurers under cooperative laws in fiscal 2019 achieved business results asfollows; the number of members: 77 million, the number of insurance policies: 135 million, the amount insured:
845 trillion yen, the premium income : 6,509 billion yen, the claims paid: 5,125 billion yen, the total assets:
65,752 billion yen.
The cooperative insurers have been playing a significant role to supplement social security system in Japan byproviding a means of mutual help among their members.
The cooperative insurers 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 the cooperative insurance and its societies inJapan.

February 2021
Japan Cooperative Insurance Association Incorporated (JCIA)COOPERATIVE INSURANCE IN JAPANⅠ Cooperative Insurance
Business in JapanⅣ JCIA Member Societies

1.Cooperatives and Cooperative Insurance
Business(1) About Cooperatives������� 2(2) About Cooperative Insurance �� 2
2. Major Cooperative Insurers in Japan� 2
3. Major Product Line by Cooperative
Insurers(1) Fire Insurance���������� 3(2) Life Insurance���������� 3(3) Personal Accident Insurance��� 3(4) Automobile Insurance  ����� 3(5) Annuity Insurance�������� 3

Ⅱ Business Results for
Cooperative Insurersin Fiscal 2019
1. Overview of the Cooperative
Insurance 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 Insurance(1) Fire Insurance����������
(2) Life Insurance����������
(3) Personal Accident Insurance���(4) Automobile Insurance������
(5) Annuity�������������

1. List of Member Societies ������ 10
2. List of Product Line Provided by Major
Cooperative Insurers�������� 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. International Activities of the Member
Societies(1) ICA ��������������� 24(2) ICMIF�������������� 24(3) Activities of ICMIF�������� 25

Ⅴ Appendices

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 2020

8
8
8
8
9
9

1. Beginning of the Modern Cooperative
Movement in the World ������ 27
2. History of Cooperative Insurancein Japan(1) Establishment of Industrial Union� 27(2) The Dawn of Cooperative
Insurance ������������ 27(3) Toyohiko Kagawa�������� 28
3. Applicable Laws of Major Cooperative
Insurers in Japan (Extract) ����� 28
4. ICA Statement on the Co-operative
Identity �������������� 29
5.  I nscription on the UNESCO Intangible
Cultural Heritage List ������� 30
6. Japan Co-operative Alliance  (JCA) � 30

Ⅰ

Cooperative Insurance Businessin JapanⅠ

Cooperative Insurance
Business in Japan

1 Cooperatives and Cooperative Insurance Business(1) About Cooperatives

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

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, insurance, job creation, traveling, housing, welfare, and medical care.
Cooperatives around the world share the same principles to put these values into practice. Especially, they are

Ⅲ

About JCIA

internationally 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 Cooperative Insurance
The cooperative insurance 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 thelives of the members 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 Cooperative Insurers in Japan
In Japan various kinds of Cooperative Insurers 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 Cooperative Insurer is according to the applicable law permitted to operate cooperative insurances.

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 crimson 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, Daigaku Seikyo Kyosairen
Zenkokuseikyoren, Seikyo Zenkyoren
Boeisho Seikyo, Kanagawa Kenmin Kyosai(*1)
Zenkoku Denryoku Seikyoren, Kouun kyosai
Ministry of
NihonYusei Group Roudousha Seikyo
Health, Labor and Dentsu Kyosai, Shinrin Roren Kyosai
WelfareZentabako Seikyo, Zensuidokyosai
Jichiro Kyosai, Kyosyokuin Kyosai
Zentokuseikyoukumiai
Zenkoku Syuhan Seikyo, Tobacco Seikyo
Zenkoku Choson Syokuin Seikyo
Toshiseikyo, Keisatsu Syokuin Seikyo, Zensyokyo

Ⅱ

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 Cooperative Insurers

Ⅲ

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

About JCIA

Cooperatives Act
Ministry of
Economy, Tradeand Industry, andothersBusiness Results for
Cooperative Insurers in
Fiscal 2019

Small and Medium
Sized Enterprise
Cooperative Act

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

Cooperative Insurance
Business in Japan

Consumers’
Livelihood
Cooperative Society
Law

The Authorities
of Laws

Ⅰ

Applicable Laws

Ⅳ

JCIA Member
Societies

Insurance products by the cooperatives cover total protection such as life and non-life as preparation for a variety ofrisks members face within their lives.
Cooperative insurers provide a wide range of coverage to satisfy the needs of their members. Among them, the fivetypical products are as follows;(1) Fire InsuranceThis 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 insurance under which a policyholder can reserve money for the life or forthe education of children.

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

(4) Automobile InsuranceThis 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 insurance.

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

Ⅴ

Appendices(2) Life Insurance

Ⅱ

Business Results for Cooperative
Insurers in Fiscal 2019Ⅰ

Cooperative Insurance
Business in JapanThe following are the overall insurance business performance results for cooperative insurers under cooperative laws
in fiscal 2019, which are based on data of “Cooperative Insurance Yearbook 2021” (Business Results in Fiscal 2019)
published by JCIA.

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

1 Overview of the Cooperative Insurance Business
FY2018FY2019GrowthNumber of Members (in thousands)

76,67077,3140.8%

Number of Policies (in thousands)

137,108

135,426－ 1.2%

Amount Insured (in billions of Yen)

858,703

845,061－ 1.6%

Premium Income (in billions of Yen)

7,485

6,509

－ 13.0%Claims Paid (in billions of Yen)

5,573

5,125

－ 8.0%

Total Assets (in billions of Yen)

66,56865,752－ 1.2%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 insurance and compulsory automobile liability insurance(1) Number of Members…… 77,314 thousand
The number of members increased by 0.8% (644 thousand) up to 77,314 thousand.
(2) Number of Policies …… 135,426 thousand
The number of policies decreased by 1.2% (1,682 thousand) down to 135,426 thousand.
●Trend in number of policies

Ⅳ

JCIA Member
Societies

（FY）

15

139,425

16

139,28217

138,254

18

137,108
135,426

19
0Ⅴ

Appendices4

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

(3) Amount Insured …… 845.06 trillion yen
The amount insured decreased by 1.6% (13,643 billion yen) down to 845.06 trillion yen.

Ⅰ

Cooperative Insurance
Business in Japan●Trend in amount insured
（FY）

15

899
886

16

872

17

859

18

845
900

1,000（Trillions of Yen）

(4) Premium Income …… 6,509 billion yen
The premium income decreased by 13.0% (976 billion yen) down to 6,509 billion yen.
●Trend in premium income
（FY）

15

8,189

16

8,174

17

6,719

About JCIA

18

7,485

19

6,509
0

6,000

7,000

8,000

9,000（Billions of Yen）

Ⅲ

800

Business Results for
Cooperative Insurers in
Fiscal 2019

0

Ⅱ

19

(5) Claims Paid …… 5,125 billion yen
The claims paid decreased by 8.0% (447 billion yen) down to 5,125 billion yen.
●Trend in claims paid
4,381

16

4,402

JCIA Member
Societies

15

Ⅳ

(FY)

4,232

17

5,573

18
5,125
0

4,000

4,500

5,000

（Billions of Yen）

Appendices(6) Total Assets …… 65,752 billion yen
The total assets decreased by 1.2% (816 billion yen) down to 65,752 billion yen.
●Trend in total assets（FY）

63,85515

66,00816
1766,63018

66,56819

65,752050,00055,00060,00065,00070,000（Billions of Yen）

5

Ⅴ

19

2 Business Trends by Type of Insurance

Ⅰ

Cooperative Insurance
Business in Japan(1) Fire Insurance
In comparison with the preceding year (Fiscal 2018), the number of policies decreased by 2.0% (498 thousand) down to
24,043 thousand. The amount insured decreased by 0.3% (1,080 billion yen) down to 425,835 billion yen. The premiumincome decreased by 18.2% (417 billion yen) down to 1,880 billion yen. The claims paid increased by 12.1% (184 billion
yen) up to 1,702 billion yen.

◆

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

FiscalYear◆

Business Trend of Fire Insurance
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

Ⅲ

About JCIA

2015

25,219－ 0.4%

425,7820.4%

2,773,104

10.6%

971,667－ 10.1%

2016

25,2320.1%

425,7620.0%

3,015,582

8.7%

1,200,223

23.5%

2017

24,857－ 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%(2) Life Insurance
In comparison with the preceding year (Fiscal 2018), the number of policies decreased by 0.3% (189 thousand) down to
61,056 thousand. The amount insured decreased by 2.4% (8,090 billion yen) down to 325,951 billion yen. The premiumincome decreased by 0.8% (28 billion yen) down to 3,309 billion yen. The claims paid decreased by 22.2% (634 billion
yen) down to 2,228 billion yen.

Ⅳ

JCIA Member
Societies◆
FiscalYear

Ⅴ

Appendices

6

◆

◆

Number of
Change from
Policies
Previous(Thousand)Year◆

Business Trend of Life Insurance
AmountInsured(Billions of
Yen)

◆

◆

◆

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

2015

61,5841.0%

370,162

4.6%

4,096,968

4.9%

2,176,359－ 0.9%

2016

61,8680.5%

358,398－ 3.2%

3,817,426－ 6.8%

1,987,260－ 8.7%

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%

(3) Personal Accident Insurance
In comparison with the preceding year (Fiscal 2018), the number of policies decreased by 4.5% (1,090 thousand) down
to 23,067 thousand. The amount insured decreased by 8.3% (5,488 billion yen) down to 60,695 billion yen. The premiumincome decreased by 2.7% (1.7 billion yen) down to 61.8 billion yen. The claims paid decreased by 7.6% (2.9 billion yen)down to 35.0 billion yen.
Business Trend of Personal Accident Insurance

Number of
Change from
Policies
Previous(Thousand)Year

AmountInsured(Billions of
Yen)

◆

◆

◆

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

25,276－ 25.4%74,030－ 28.3%68,081－ 8.4%

43,450－ 10.0%2016

24,993－ 1.1%

71,496－ 3.4%

66,549－ 2.2%

42,343－ 2.5%

2017

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%

Business Results for
Cooperative Insurers in
Fiscal 2019

2015

Ⅱ

◆

Ⅰ

FiscalYear◆

Cooperative Insurance
Business in Japan◆(4) Automobile Insurance (Including Compulsory Automobile Liability Insurance)◆

Business Trend of Automobile Insurance

◆

◆

◆

Premium
Number of
Claims Paid
IncomeChangefrom
Change from (Millions of Change from
Policies(Millions ofPrevious
Previous
Previous(Thousand)
Yen)
Yen)
Year
Year
Year
16,401

0.4%

622,4070.0%

350,844－ 3.4%

2016

16,245－ 1.0%

623,9880.3%

338,131－ 3.6%

2017

16,3220.5%

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%

JCIA Member
Societies

2015

Ⅳ

Fiscal
Year

◆

Ⅲ

◆

About JCIA

In comparison with the preceding year (Fiscal 2018), the number of policies decreased by 0.2% (32 thousand) down to
16,159 thousand. The premium income decreased by 0.8% (4.8 billion yen) down to 593.7 billion yen. The claims paiddecreased by 2.2% (7.5 billion yen) down to 325.2 billion yen.

(5) Annuity
In comparison with the preceding year (Fiscal 2018), the number of policies increased by 3.7% (182 thousand) up to

FiscalYear◆◆

Business Trend of Annuity

◆

◆

◆

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

2015

4,707

0.5%

598,270－ 0.6%

821,114－ 0.2%

2016

4,737

0.6%

622,336

4.0%

816,836－ 0.5%

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%

7

Ⅴ

◆

Appendices5,056 thousand. The premium income decreased by 45.0% (522.8 billion yen) down to 638.7 billion yen. The claims paid
increased by 1.8% (14.8 billion yen) up to 820.0 billion yen.

Ⅲ About JCIAⅠ

Cooperative Insurance
Business in Japan

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 cooperative insurances.
Main activities of JCIA are Research and Studies
of cooperatives and cooperative insurances, Human

Resources Development and Training for member
societies, Public Relations, Publishing a monthly journal“Cooperative and Commercial Insurance”, and Providing
Consultations about inquiries and complaints from policy
holders and/or their related persons.

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

2 Objectives
The purpose of JCIA shall be to promote sounddevelopment of the cooperative insurance businesses
operated by cooperatives, thereby contributing tostabilizing the lives and improving the welfare ofpeople engaged in the agriculture, forestry and fisheries
industries as well as other employees and workers in local
communities or small and medium-sized business owners.

3 History

Ⅲ

About JCIAⅣJCIA Member
Societies

After World War II, quite a few cooperative insurance
societies were established and have subsequently
developed in Japan. Cooperative insurance has steadily
spread its network of cooperation and drawn further
attention from the society as an entity supporting manymembers’ life.
In these surroundings, cooperation and exchanges between
cooperative insurers 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 cooperative insurance societies as aresult of collective efforts by seven cooperative insures.

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 cooperative insurers.
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 13 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 thecooperative insurance business nationwide in Japan andany organization equivalent.
■ 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 cooperative insurance 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 cooperative insurance 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 Insurance Cooperatives)
Nihon Saikyosairen (Japan Reinsurance Federation of Consumers’ Cooperatives)
CO-OP Kyosairen (Japan CO-OP Insurance Consumers’ Co-operative Federation, JCIF)
Daigaku Seikyo Kyosairen (University Co-operatives Mutual Aid Federation)
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

Cooperative Insurance
Business in Japan

5 Management Structure
General Membership Meeting
Auditor

Voice Chairperson
Senior Managing Director
Managing Director

Examination Committee
for Mediation/Arbitration

About JCIA

Administrative Committee
Secretariat
General Aﬀairs
Department

Planning
Department

Research & Study Department
Planning Office for
Kyosai and Hoken (※)

Customer Consultation
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
Cooperative Insurers in
Fiscal 2019

Board of Directors Meeting（※）Kyosai: Cooperative insurance in Japanese, Hoken : Commercial insurance in Japanese

6 Main Activities

Ⅳ

JCIA Member
Societies

9Ⅴbusiness, and 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 the cooperative insurance-relatedorganizations.
(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 cooperative insurance business
operated by the member 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 cooperative insurance theory conductedby the “Research Committee on Cooperative Insurance
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 cooperative insurance.
(2) Human Resources Development and Training• Holding training seminars in order to improve the skillsof the executives and staff of cooperative insurers,
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 “Cooperative
Insurance Yearbook” etc.
• Publishing “Cooperative insurance in Japan Fact Book.”• Holding “JCIA Seminars” with the aim of raisingawareness of cooperatives and the cooperative insuranceⅣ JCIA Member Societies
Ⅰ

Cooperative Insurance
Business in Japan

1 List of Member Societies

Full Member

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

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 insurance 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 cooperative insurance
business.
• Zenkyoren administers operations including the planning of diverse programs, systems development,
asset management, and liability reserves for claims payment.

Ⅳ

JCIA Member
Societies

Insurance Product Range • Whole life insurance• Building endowment insurance• Single-premium whole life insurance• Automobile insurance• ‌Underwriting-standards mitigation type whole • Compulsory automobile liability insurancelife insurance• Personal accident insurance• Endowment life insurance• Fire insurance• Single-premium endowment life insurance• Liability insurance• Term life insurance• Group term life insurance• Cancer insurance• Cooperative-owned building fire insurance• Medical insurance• Volunteer comprehensive insurance• ‌Underwriting-standards mitigation type • Worker’s property accumulation savings
medical insurance
insurance• Nursing care insurance• Retirement annuity insurance• Single-premium nursing care insurance• National pension fund insurance• Children’s insurance• Defined contribution annuity insurance• Disability insurance
and others• ‌Assumed-interest-rate change type annuity
insurance
FeaturesⅤ

Appendices10

National Mutual Insurance Federation of Agricultural Cooperatives• Cooperative insurance business is one of the services along with farm guidance activity, marketing/purchasing and credit provided by Japan Agricultural Cooperative Group (the JA Group.)• Based 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.

Ministry of Agriculture, Forestry and Fisheries

Establishment• Zensuikyo, forerunner of Kyosuiren, entered into cooperative insurance business in 1951.
• In 2008, Japan Fisheries Cooperatives (JF), Fish Processors Cooperative Association and Kyosuiren
jointly came to write cooperative insurances business according to the revision of the Fisheries
Cooperatives Association Law.

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

Kokumin Kyosai co-op

National Federation of Workers and Consumers Insurance Cooperatives

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

Competent Authority

Ministry of Health, Labor and Welfare

Establishment• The first Workers and Consumers Insurance Cooperative was established in Osaka in 1954. Since thenthe “Prefectural Workers and Consumers Cooperative” has been established in each prefecture.
• In 1957 eighteen prefectural workers and Consumers Insurance Cooperatives, who had already started
businesses, gathered together to establish a central organization, called the National Federation ofWorkers and Consumers Insurance Cooperatives (Abbreviated name: “Rosairen.”)• In 1976 national integration was realized by the unification of campaign policy, cooperative insurance
business, profit and loss accounting, and organizational/secretarial operations. Its abbreviated namewas 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• Cooperative insurance business, and guidance, information sharing, and arrangements for member
societies

AppendicesFeaturesJCIA Member
Societies

Insurance Product Range • Smile insurance (Fire insurance/Natural disaster insurance)• Smile insurance with social contribution for eco-house• Smile insurance for mortgage of Labour Bank
• Kokumin insurance (General public insurance)• New comprehensive health insurance• New life insurance• Iki Iki Oen (Long term life insurance)• Annuity insurance• My car insurance (Automobile insurance)Ⅳ

Address

About JCIA

• Kyosuiren comprises fishery cooperatives (JF), fisheries production cooperatives, fish processor
cooperatives and their federations. It was established as the only federation engaged in the cooperative
insurance business with each member cooperative and federation contributing a share of the capital.
Jointly selling cooperative insurance contracts, Kyosuiren, JF and others play their respective roles andoperate the cooperative insurance business in an integrated manner.
• As a major business of JF, JF Cooperative Insurance aims to expend all possible means to “safeguard
the livelihoods” of fisherpersons, thereby contributing to the development of attractive fishing villages
and communities.

• My car insurance (Automobile insurance)• Compulsory automobile liability
insurance• Traffic accident insurance• New group annuity insurance• Group term life insurance• New group life insurance for retirees• Mutual aid benefit insurance• Liability insurance• Kokumin Kyosai co-op is a federation which consists of 58 member societies: 47 member societies ofConsumers Insurance Cooperatives based on local workers in each prefecture, eight member societiesof Consumer Insurance Cooperatives for workers at workplaces which are constructed beyond theborders of 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 cooperative insurance business, while it is expanding the circle ofmutual relief for companies’ employees as well as local workers and consumers. In this way, Zenrosai
is aiming at the realization of its philosophy, which is, “Creation of a rich and safe society througheveryone’s helping each other.”

11

Ⅴ

FeaturesBusiness Results for
Cooperative Insurers in
Fiscal 2019

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

Ⅲ

Competent Authority

Ⅱ

Applicable Law

CO-OP Building, 1-12, Uchikanda 1-chome, Chiyoda-ku, Tokyo 101-0047
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

Cooperative Insurance
Business in Japan

Kyosuiren

Ⅰ

Cooperative Insurance
Business in Japan

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 insurance.
• 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 insurance 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 cooperative insurers

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

Insurance Product Range • Fire reinsurance• Natural peril reinsurance• Life reinsurance• Traffic accident reinsurance
Features

Ⅲ

About JCIA

Address• Comprehensive reinsurance• Automobile reinsurance• Compulsory automobile liability reinsurance• 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 cooperative insurers, and in supporting direct contracts.

CO-OP Kyosairen

Japan CO-OP Insurance Consumers’Co-operative Federation (JCIF)ⅣJCIA Member
Societies

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 cooperative insurance business.
• 2008: CO-OP Kyosairen was established as a federation specializing in cooperative insurance
businesses.
• 2009: CO-OP Kyosairen started to operate the businesses.

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

Ⅴ

AppendicesInsurance Product Range • CO-OP insurance (Tasukeai)• CO-OP insurance (Aipurasu)• CO-OP insurance (Zuttoai)
Features

12

Japan Reinsurance Federation of Consumers’Cooperatives• CO-OP life insurance (New ai ai)• CO-OP fire insurance• CO-OP Kyosairen, jointly founded by consumer cooperatives operating CO-OP insurance businesses
and JCCU, is a consumers’ federation that runs cooperative insurance business.
• CO-OP Kyosairen promotes cooperative insurance in conjunction with the supply and purchasing
business for the members, and cooperative insurance businesses are steadily growing. CO-OP
Kyosairen is attracting attention as the developing and expanding cooperative insurer in Japan.

Establishment• Zenkoku Daigaku Seikyoren, National Federation of University Co-operative Associations (NFUCA),
was founded in 1958.
• NFUCA started to write cooperative insurance business in 1981.
• University Co-operatives Mutual Aid Federation was established as a federation specializing
cooperative insurance business separated from NFUCA in 2010.

Line of Business• Cooperative insurance business, and guidance, communication and adjustment for consumer
cooperative member societies• University Co-operatives Mutual Aid Federation took over the cooperative insurance business of the
National Federation of University Co-operative Associations (NFCUA). It has been over 35 years
since University Co-operatives Mutual Aid Federation started its comprehensive insurance businessfor students. The current number of policyholders is 730,000 (as of the end of September, 2018).
• Cooperative insurance under University Co-operatives Mutual Aid Federation is characterized bysystems oriented towards college students. For example, there is a special contract in which students
who have lost their supporters are able to continue student life. With life insurance, the students cantake out increased coverage for inpatient and outpatient care and physical impediments by restricting
the limit of coverage for death.

Address

About JCIA

Zenkokuseikyoren

The Federation of Japanese Consumer Cooperatives (FJCC)

Competent Authority

Ministry of Health, Labor and Welfare

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 insurance (Kenmin Kyosai) business in 1982.
• Started new fire insurance (with coverage for storm and flood damage) business in 1985.

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

JCIA Member
Societies

Applicable Law

1-10-1, Numakage, Minami-ku, Saitama-shi, Saitama 336-8508
Tel:+81-48-845-2000 (https://www.kyosai-cc.or.jp/)
The Consumers’ Livelihood Cooperative Society Law

Insurance Product Range • Life insurance (Child type, Comprehensive coverage type, Hospitalization coverage type, Middle andearly old age type, Hospitalization coverage for the middle and early old-aged type)• Fire insurance (New fire insurance)
Features• A prefectural cooperative insurance scheme or “Kenmin Kyosai” was established in Saitama in 1973
and it has subsequently spread throughout Japan. At present, this scheme operates in 39 prefectures.
The number of policyholders is 21.29 million (as of the end of March, 2019).

Address

Japan Federation of Mutual Aid Cooperatives (JAFMAC)

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• Cooperative insurance business of fire and reinsurance business of fire and traffic accident insurance

Insurance Product Range • Fire insurance• Fire reinsurance
FeaturesAppendices

Seikyo Zenkyoren• Traffic accident reinsurance• Nationwide organizations that operate community-based cooperative insurance businesses cooperatewith each other with the aim of developing and improving their regional cooperative insurance
businesses.

13

Ⅴ

Features• Fire insurance (Sales discontinued from April 2019)

Ⅳ

Insurance Product Range • Life insurance

Ⅲ

Ministry of Health, Labor and Welfare

Ⅱ

Competent Authority

Business Results for
Cooperative Insurers in
Fiscal 2019

Applicable Law

12-4, Koenji Minami 1-chome, Suginami-ku, Tokyo 166-0003
Tel: +81-3-5307-1173 (https://kyosai.univcoop.or.jp/)
The Consumers’ Livelihood Cooperative Society Law

Ⅰ

Address

University Co-operatives Mutual Aid Federation

Cooperative Insurance
Business in Japan

Daigaku Seikyo Kyosairen

Ⅰ

Cooperative Insurance
Business in Japan

Nikkaren
Address

National Federation of Fire Insurance Co-operatives for Small Business

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

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 insurance business written jointly with the member societies• Reinsurance of cooperative insurance liability accepted by the member societies in the course ofcooperative insurance business• Original insurance for members of the member societies

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

Insurance Product Range • Fire insurance• Business interruption support insurance• Automobile insurance• Medical & cancer insurance• Comprehensive personal accident insurance• Labor disaster compensation insurance
Features

Ⅲ

About JCIA

Kokyoren
Address• Nikkaren is an insurance 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.”

National Mutual Insurance Federation of Truck Transport Co-operatives

Ⅳ

JCIA Member
Societies

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 cooperative
insurance business compensating for injuries which the employees of the member societies sufferedfrom labor accident.

Insurance Product Range • Bodily injury liability insurance• Property damage liability insurance• Physical damage insurance

Ⅴ

Appendices14• Life and personal accident insurance• Automobile accident expenses insurance• Income protection insurance• Business interruption mutual aid insurance• Small and medium enterprises comprehensive
liability insurance

Features• Drivers’ and passengers’ personal accident insurance• Labor accident insurance• Compulsory automobile liability insurance• 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 insurance cooperatives have been established throughout Japan andcooperative insurance businesses have spread widely to address problems related to traffic accidents.
Kokyoren is characterized by its cooperatives in the truck transport industry.
• Kokyoren actively promotes traffic accident prevention along with its cooperative insurance business.
It holds approximately 2,500 seminars on safe driving every year.

Establishment• Established in 1975.

Line of Business• Reinsurance business for member societies engaged in automobile insurance and compulsory
automobile liability insurance businesses. Guidance, liaison and coordination for member societies.
Lending business funds to member societies and borrowing funds on behalf of member societies.
Automobile insurance business written jointly.
• Member societies conduct automobile insurance businesses, in order to help small and mediumsized enterprises, etc. to cover, under the spirit of mutual aid, economic losses incurred by othersmall 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 insurance coverage and ensure that the claims will be
paid in an appropriate manner.

Address

About JCIA

Zenrosai Kyokai

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

Features• Compulsory automobile liability insurance

Business Results for
Cooperative Insurers in
Fiscal 2019

Insurance Product Range • Automobile insurance

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

Ministry of Economy, Trade and Industry

Ⅲ

Competent Authority

Ⅱ

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

Cooperative Insurance
Business in Japan

Zenjikyo

Ⅰ

Cooperative Insurance
Business in Japan

Kyoei Fire
Address

The Kyoei Fire and Marine Insurance Company Ltd.

ⅡBusiness Results for
Cooperative Insurers in
Fiscal 2019

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 and cancer insurance• Income protection insurance
Features• Liability insurance• Comprehensive property insurance• Fidelity credit insurance• Construction civil engineering insurance• Comprehensive workers’ compensation insurance• Hull and cargo insurance, and others• 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.

Ⅲ

About JCIAFirst-Class Supporting Member

NOSAI Kyokai

ⅣJCIA Member
Societies

Address

National Agricultural Mutual Insurance Association

Ⅴ

AppendicesApplicable 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

Insurance 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 insurance businesses: rice, wheat and barley insurance; livestock insurance;
fruit and fruit-tree insurance; field crop insurance; greenhouse insurance; farmer’s house insurance;
farming equipment insurance and agricultural products in storage insurance.
Features16• The agricultural disaster compensation system (NOSAI system) was established in 1947 with the aimof stabilizing agricultural management by covering losses that farmers may incur in the event of an
unexpected accident such as a natural disaster, etc.
• 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.
Forms of insurance other than farmer’s house insurance, farming equipment insurance and agricultural
products in storage insurance are reinsured by the government.
• NOSAI Kyokai is the central organization of the Prefectural Federation of Agricultural Mutual
Insurance Associations (including specified associations.)

Second-Class Supporting Member

Ⅰ

Consumer Co-operative of Ministry of Defense

Competent Authority

Mistry of Health, Labor and Welfare

Establishment• Established in 1963.

Line of Business• Various types of cooperative insurance• 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.

The Kanagawa Kenmin-Kyosai Consumer’s Cooperative Insurance

Competent Authority

Kanagawa Prefecture

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

Line of Business• Cooperative insurance business• Personal accident insurance• Kanagawa Kenmin Kyosai is a cooperative society in Kanagawa specialized in cooperative insurance
business focusing on life insurance. It also operates an educational business for its members, where
various events are conducted including “Iki-iki Kenko (Vivacious Health),” “Iki-iki Seikatsu (Vivacious
Life),” and “Child Care Support.”
Appendices

17

Ⅴ

Features• Traffic accident insurance

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

Insurance Product Range • Life and children insurance• Liability insurance

About JCIA

Kanagawa Kenmin Kyosai
Address• Long term life insuranceⅣ

Features• Life insurance

Business Results for
Cooperative Insurers in
Fiscal 2019

Insurance Product Range • Fire insurance

Ⅲ

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

ⅡAddress

Cooperative Insurance
Business in Japan

Boeisyo Seikyo

Ⅰ

Cooperative Insurance
Business in Japan

Chusairen
Address

Small and Medium size Enterprise Welfare Cooperative Insurance Federation

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

Ministry of Economy, Trade and Industry

Establishment• Established in 2012.

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

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

Insurance Product Range • Reinsurance business for Life and personal accident insurance etc.
• Life and medical insurance• Labor accident insurance
Features• Chusairen was established as a federation in January 2012. Its base is a cooperative insurance society
newly established by a public interest corporation who had been operated cooperative insurance
business for small and medium-sized owners, responding to the laws related to the reform of the public
interest corporation. Chusairen provides various support business and reinsurance business for themember societies as well as joint cooperative insurance business with the members.

Ⅲ

About JCIA

Kaigyoui Kyosai
Address

1-5-26, Wakasato, Nagano City, Nagano 380-0928
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• Cooperative insurance business for members and its incidental business

Ⅳ

JCIA Member
Societies

Insurance Product Range • Income protection plan for medical practitioners
FeaturesⅤ

Appendices18

Cooperative of Mutual Insurance for Medical Practitioners• 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 Cooperative Insurers
Life

Accident

Auto.

Annuity

Others

〇

〇

〇

〇

〇

Fishery
Cooperatives

Kyosuiren〇〇

Kokumin Kyosai
co-op

〇

〇

CO-OP Kyosairen

〇※ 1

〇

Daigaku Seikyo
Kyosairen〇※ 2〇

Zenkokuseikyoren

〇

〇

〇

Seikyo Zenkyoren

〇

〇※ 3

〇※ 3

Boeisyo Seikyo

〇

〇

〇

〇

〇

〇
〇

Kokyoren〇〇

Zenjikyo

〇

Ⅳ

〇
〇

Kaigyoui Kyosai
NOSAI Kyokai

JCIA Member
Societies

〇

Ⅱ

〇

〇

〇

Chusairen

Agricultural
Insurance
Associations〇〇

About JCIA

Business
Cooperatives〇〇

Business Results for
Cooperative Insurers in
Fiscal 2019

Kanagawa
Kenmin Kyosai

〇

〇

〇

Appendices※1: Products are based on Kokumin Kyosai co-op’s policy terms and conditions※2: Sales discontinued from April 2019※3: Products are provided by some of the member societies of Seikyo Zenkyoren※4: “Others”are as follows;- ‘Worker’s property accumulation savings insurance’, ‘Liability insurance’, ‘Volunteer comprehensive insurance’
by Zenkyoren- ‘Mutual aid benefit insurance’, ‘Personal liability insurance’ by Kokumin Kyosai co-op- ‘Liability insurance’ by Kanagawa Kenmin Kyosai- ‘Business interruption support insurance’ ‘Labor disaster compensation insurance’, ‘Income protection insurance’,‘Business interruption mutual aid insurance’, ‘Small and medium enterprises comprehensive liability insurance’by Nikkaren- ‘Labor accident insurance’ by Kokyoren- ‘Labor accident insurance’ by Chusairen- ‘Income protection plan for medical protectioners’ by Kaigyoui Kyosai- ‘Rice, wheat and barley insurance’, ‘Livestock insurance’, ‘Fruit and fruit-tree insurance’, ‘Field crop insurance’,‘Greenhouse insurance’, ‘Agricultural machine insurance’, ‘Agricultural machine replacement insurance’,‘Agricultural products in storage insurance’ by NOSAI Kyokai

19

Ⅴ

〇

Ⅲ

Fire

Zenkyoren

NikkarenⅠ

Product Line

Agricultural
Cooperatives

Consumers
Cooperatives

Cooperative Insurance
Business in Japan

Organization

3 Member Societies’Efforts towards Natural Disasters

Ⅰ

Cooperative Insurance
Business in Japan（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
Cooperative Insurers in
Fiscal 2019

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

Name of Natural Disasters

Insurance and Condolence Money Paid

Ⅲ

About JCIA

1991

19th typhoon of 1991 (Mireille)

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

1,254 Billion Yen

2016

Kumamoto Earthquakes

184 Billion Yen

2018

21st typhoon of 2018 (Jebi)

182 Billion Yen

2019

15th typhoon of 2019 (Faxai)

103 Billion Yen

201919th typhoon of 2019 (Hagibis)

125 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 2020.
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.
※Source of figures for casualties and damage: Japan Meteorological Agency website, “Examples of typhoon disaster.”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 houses completely and half destroyed by fire: 7,132.
※Source of figures for casualties and damage: Japan Meteorological Agency special website, “20 years from the Great
Hanshin-Awaji Earthquake.”

18th typhoon of 2004 (Songda)

Ⅴ

Appendices

Human damage: Number of missing and dead: 46; number of injuries: 1,399.
Property damage: Number of damaged houses: 64,993; number of houses inundated above and below floor level: 21,086.
※Source of figures for casualties and damage: Japan Meteorological Agency website, “Examples of typhoon disaster.”Great East Japan Earthquake

Human damage: Number of missing and dead: 22,288 number of injuries: 6,233.
Property damage: Number of completely destroyed houses: 121,996; number of half destroyed houses: 282,941; numberof partially destroyed houses: 748,461 (as of March 1, 2020).
※Source of figures for casualties and damage: Japan Meteorological Agency website, “Major earthquakes having
occurred in and around Japan (since 1996).”

Kumamoto Earthquakes

Human damage: Number of missing and 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: 162,500 (as of April 12, 2019).
※Source of figures for casualties and damage: Japan Meteorological Agency website, “Major earthquakes having
occurred in and around Japan (since 1996).”20

21st typhoon of 2018 (Jebi)

Human damage: Number of missing and dead: 14; number of injuries: 980.
Property damage: Number of damaged houses: 97,910; number of inundated above and below floor level: 707.
※Source of figures for casualties and damage: Japan Fire and Disaster Management Agency website, “Disaster
information list”

Ⅰ

Cooperative Insurance
Business in Japan

15th typhoon of 2019 (Faxai)

Human damage: Number of missing and dead: 9; number of injuries: 160.
Property damage: Number of damaged houses: 93,096; number of inundated above and below floor level: 276.
※Source of figures for casualties and damage: Japan Fire and Disaster Management Agency website, “Disaster
information list”

Ⅱ■ Insurance payout for recent great natural disasters

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

Insurance and Condolence Money Paid
56 Billion Yen

Heavy Rain of July 2018

78 Billion Yen

21st typhoon of 2018 (Jebi)

182 Billion Yen

24th typhoon of 2018 (Trami)

91 Billion Yen

15th typhoon of 2019 (Faxai)

103 Billion Yen

19th typhoon of 2019 (Hagibis)

125 Billion Yen

About JCIA

Earthquake in Osaka-Fu Hokubu

Ⅲ

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.
※Source of figures for casualties and damage: Japan Fire and Disaster Management Agency website, “Disaster
information list”

Business Results for
Cooperative Insurers in
Fiscal 201919th typhoon of 2019 (Hagibis)※The above figures are the total amount of payments calculated based on reports from individual member societies as of the end of September 2020.
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

Ⅴ

Appendices21

（2）Member Societies’Efforts

Ⅰ

Cooperative Insurance
Business in Japan■Distribution of free disaster-relief tarpaulins
and provision of free temporary housing

Zenkyoren provides free disaster-relief tarpaulins to
our policyholders whose houses have been damaged
due to a 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 other disaster. (Thisservice is for Zenkyoren policyholders who fulfill certain
requirements.)■Efforts to support disaster stricken regions– Great East Japan Earthquake –ⅡBusiness Results for
Cooperative Insurers in
Fiscal 2019

Kokumin Kyosai co-op has been conducting
reforestation activities, known as the “Zenrosai Forest
in Miyagi” (in the Iwanuma area, Miyagi Prefecture),
to regenerate the forested coastline which helps mitigate
natural disasters, in areas stricken by the Great East
Japan Earthquake.
The staff of the Kokumin Kyosai co-op, together with
co-op members and other cooperating organizations,carry out many activities such as planting hardy Japanese
black pine seedlings, cultivating them, and weeding.
This is an effort to keep the memory of the Great East
Japan Earthquake from fading, and Kokumin Kyosai
co-op will continue to restore the forested coastline bytaking care of the trees.

Ⅲ

About JCIA

Zenkyoren tarpaulin (3.6m × 5.4m (12-tatami mat size))

Restoration of the forested coastline“Zenrosai Forest in Miyagi”

Ⅳ

JCIA Member
Societies

Zenkyoren temporary housing

Ⅴ

Appendices■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 conducted disaster relief
activities including the delivery of relief supplies to thevictims of natural disasters such as Typhoon No. 15 in
September 2019 and Typhoon No. 19 in October 2019.

22

Weeding before planting seedlings in the restoration area

■Measures to Prevent and Reduce Disasters– Bosai Café –Cooperative Insurance
Business in JapanⅠ

Since February 2008, the Kokumin Kyosai co-op
has been holding the “Bosai Café” which the Cabinet
Office is promoting to raise public awareness of disasterprevention. With the motto “Easy to understand and fullof fun,” the program offers a variety of activities for all
the family, such as emergency food tasting, lectures fromexperts, disaster science experiment demonstrations, anddisaster prevention games. Bosai Café is held in many
cities across the country. In FY2019, it was held 49
times, making a total of 443 times over the years.

Business Results for
Cooperative Insurers in
Fiscal 2019

Ⅱ

– The 2016 Kumamoto Earthquake –Kokumin Kyosai co-op held the “Inochi no Uta(Songs of Life)” concert and “Uki Uki Yose (Japanese
Story-Telling)” to lift the spirits of the disaster victims.
Eight hundred people, most of whom had been living
in temporary housing including government-provided
leased housing were invited to Uki Uki Yose. The
participants looked happy and were having a good time.

– Typhoon No. 19 of 2019 –Bosai CaféⅣJCIA Member
Societies
Appendices

23

Ⅴ

Kokumin Kyosai co-op raised relief funds for the
local governments of those regions seriously affected by
Typhoon No. 19 of 2019 (Miyagi, Fukushima, Tochigi,
Chiba, and Nagano Prefectures). With the organization’scontribution, 5 million yen was donated to eachprefecture. The organization also donated 6 million yen
to the Japanese Red Cross Society.

Ⅲ

About JCIA

Part of the disaster relief event Uki Uki Yose Story-Telling
held in Kumamoto Prefecture

4International Activities of the Member Societies

Ⅰ

Cooperative Insurance
Business in Japan

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
Cooperative Insurers in
Fiscal 2019

International Co-operative Alliance (ICA, established in 1895, and headquartered in Brussels, Belgium) is an allianceof cooperatives, in which 315 alliance members across 111 countries participate (as of October 2020). Nationwide
organizations of 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) ICMIF

Ⅲ

About JCIAⅣJCIA Member
Societies

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 195 members at ICMIF as of November 2020. The total
amount of premium income in all members in fiscal 2017, is about 232 billion USD. ICMIF members conduct some
activities, such as exchanging information, holding a seminar, personnel exchange and reinsurance business in order towork toward development of cooperative insurance.
There are eight ICMIF full members, which are Zenkyoren, Kyosuiren, Kokumin Kyosai co-op, Nihon Saikyosairen,
CO-OP Kyosairen (JCIF), Daigaku Seikyo Kyosairen, Nikkaren, and Kyoei Fire among JCIA member societies, also
JCIA is an associate member. Zenkyoren and Zenrosai are the ICMIF Board member. Japanese ICMIF members enhanceinternational cooperation by serving as the director or the member of various committees of ICMIF.
Also, there are 46 members in 13 countries at Asia and Oceania Association of the ICMIF (AOA), which is a regional
association of ICMIF, as of November 2020, and it holds a seminar and a forum and so on.
AOA’s Secretariat is at Zenkyoren, and Japanese cooperative insurers have played leadership role of its operation.

ICMIF Organization
ICMIF Members

Regional Association's Secretariat
ICMIF / Americas

AOA

Ⅴ

Appendices

General Meeting

Board
Executive Committee

24

Development CommitteeIntelligence Committee

Reinsurance Committee

Japanese cooperative insurers of ICMIF members

ICMIF Director Election Organization• Board Member• Excusive Committee Member• Intelligence Committee Member• Reinsurance Committee Member

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

AOA Director Election Organization
Zenkyoren
Kyosuiren(3) Activities of ICMIF

ICMIF’s 5-5-5 Strategy impacts five UN
Sustainable Development Goals (SDGs)

About JCIA

Will 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 health prevention
and access to quality healthcare.

JCIA Member
Societies

Will positively impact on women who aremost often the policyholders of a mutual
microinsurance provider.
The target communities of the 5-5-5Strategy are the most vulnerable to climatechange.

Appendices25Ⅴ■5-5-5 Mutual Microinsurance Strategy
ICMIF’s 5-5-5 Mutual Microinsurance Strategy strives toextend mutual and cooperative microinsurance to five million
previously uninsured households over the next five years.
After a momentous year, projects have now been launched infive countries (Colombia, India, Kenya, the Philippines and
Sri Lanka).
As well as being recognized on a global level by B20(Business 20) ICMIF’s 5-5-5 Strategy is also contributing toa wide spectrum of the UN 2030 Sustainable Development
Goals (SDGs).
Many of ICMIF member including Zenkyoren, Kokumin
Kyosai co-op, CO-OP Kyosairen(JCIF), and Daigaku Seikyo
Kyosairen are supporting partners of this strategy.

Ⅳ• Chairperson and Secretariat• Auditor

Ⅲ• JCIA• JA Kyosai Research Insutitute

Ⅰ

Associate Member

Main Role of Japanese Cooperative Insurer

Business Results for
Cooperative Insurers in
Fiscal 2019

• Zenkyoren• Kyosuiren• Kokumin Kyosai co-op• Nihon Saikyosairen• CO-OP Kyosairen (JCIF)• Daigaku Seikyo Kyosairen• Nikkaren• Kyoei Fire

Cooperative Insurance
Business in Japan

Full Member■ ICMIF Conference and Young Leaders ProgramⅠ

Cooperative Insurance
Business in Japan

In 2019, the ICMIF Conference was held in Auckland, New Zealand, which had 314 participants from 89 organizations
representing 36 countries. “The Future of Mutuality” was the theme of the conference, with keynote speeches and manymember panel discussions. Participants from Japan amounted to 34 delegates from 7 member organizations: Zenkyoren,
Kyosuiren, Kokumin Kyosai co-op, Nihon Saikyosairen, Co-op Kyosairen, Daigaku Seikyo Kyosairen, and the Japan
Cooperative Insurance Association Incorporated.
The Young Leaders Program was also held during the conference. This program aims to build an international network ofyoung professionals (35 or younger) from ICMIF member organizations. The participants discussed issues experienced
in the mutual fund and insurance industries around the world. Fifty participants from 13 countries joined the program,including 14 from Japan, who were members of 6 organizations: Zenkyoren, Kyosuiren, Kokumin Kyosai co-op, Nihon
Saikyosairen, Co-op Kyosairen, and Japan Cooperative Insurance Association Incorporated.

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

Ⅲ

About JCIA

Panel discussion at the ICMIF Conference

Participants of the Young Leaders Program■AOA General Meeting /Board Meeting and AOA/ICMIF Microinsurance SeminarⅣ

JCIA Member
Societies

The AOA held its General Meeting in Auckland, NZ to coincide with the ICMIF Conference. Discussions included
activity plans for 2020 and 2021, amendments in bylaws, as well as the election of board members who will serve until
the next meeting. The meeting included 91 delegates from 24 member organizations. During the Board Meeting held after
the General Meeting, new board members were elected and Fumio Yanai from Zenkyoren was reappointed as Chair of
the AOA board.
In addition, the AOA and ICMIF jointly held the Microinsurance Seminar with the theme, “Connecting to Emerging
Markets: Benefits and Opportunities for ICMIF Members.” Ninety-five delegates from 36 organizations in 17 countries
attended the seminar, which included presentations by specialists from external organizations such as the United Nations
Development Programme (UNDP). The participants deepened their understanding of the significance of microinsurancein achieving the SDGs. Moreover, case studies were presented by the member organizations, which included possible
candidates for the ICMIF 5-5-5 Mutual Microinsurance Strategy or organizations that receive benefits from the project.
Through these presentations, the participants also learned about the current status of the project and the benefits which
members in developed countries would receive through their support of emerging markets.

Ⅴ

AppendicesAOA General Meeting participants

26

AOA/ICMIF Microinsurance SeminarⅤ AppendicesⅠ

Cooperative Insurance
Business in Japan

1 Beginning of the Modern Cooperative Movement in the WorldThe 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.

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

Ⅲ

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

2 History of Cooperative Insurance in Japan(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 Cooperative Insurance
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 (cooperative insurance) business, as well asother services.

Ⅳ

JCIA Member
Societies

Ⅴ

Appendices27

（3）賀川豊彦

Ⅰ

Cooperative Insurance
Business in Japan

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

Ⅲ

About JCIAⅣJCIA Member
Societies

Ⅴ

Appendices

28(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 started
to provide 各種の協同組合法に根拠を得て、
insurance services, which were
その後、形を変えて、
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.

賀川豊彦
Toyohiko
Kagawa3 Applicable Laws
of Major Cooperative Insurers in Japan (Extract)
3 主要共済団体の根拠法（抜粋）
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 regulatethecooperative
insurers’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 insurance services.
Agricultural Cooperative農業協同組合法
Law ◇Zenkyoren◇ JA共済連
Article 1

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
This law has for its
objective
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), Daigaku
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
Seikyo Kyosairen, Zenkokuseikyoren, Seikyo Zenkyoren, Boeisyo Seikyo,
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。
Kanagawa Kenmin Kyosai 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.

4 ICA Statement on the Co-operative Identity

Ⅰ

Cooperative Insurance
Business in JapanThe 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.

3. Member Economic Participation
Members contribute equitably to, anddemocratically control, the capital of theirco-operative. At least part of that capital

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.

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.

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.

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.

29

Ⅴ

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

Ⅳ〈Principles〉

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.

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.

Ⅲ〈Values〉

Business Results for
Cooperative Insurers in
Fiscal 2019

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.

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.

Ⅱ〈Definition〉

5 Inscription on the UNESCO Intangible Cultural Heritage ListⅠ

Cooperative Insurance
Business in Japan

Ⅱ

Business Results for
Cooperative Insurers in
Fiscal 2019

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.

6 Japan Co-operative Alliance (JCA)

Ⅲ

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.
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

Ⅴ

Appendices30

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.
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

MEMO

COOPERATIVE INSURANCE IN JAPANFACT BOOK 2020

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/