Sompo Himawari Life provides Insurhealth®, a new value combining a traditional insurance function with a
healthcare function. By integrating healthcare services with the insurance function that helps ensure peace of mind
even in emergencies, we strive to prevent customers from experiencing unexpected health issues.
●Launch of "Protection for You and Your Family," Income Compensation Insurance to Support Health (First in the
In April 2018 Sompo Himawari Life updated its income compensation insurance, Family Protection, a key product, to
launch Linkx: Protection for You and Your Family.
This product features a "health challenge" system, which allows policyholders to lower their insurance premiums by
measuring improvements in their health (stopping smoking, BMI, blood pressure) over a certain period from
enrollment, and to receive the amount equivalent to the difference in the premiums paid from the time of first
enrollment in the form of a monetary reward for completing health challenges.
Customers want protection not only against death but also for protecting their lives if they find themselves unable
to work for some reason. To meet this desire, it has increased the options available as added protection against
incapacity. These options include: "incapacity rider" that pays customers an annuity if they are certified as having
a grade 1 or grade 2 disability and entitled to receive basic disability pension as a guarantee in order to live and
"seven major disease rider with mental disease protection" that, in addition to the provision for seven major
diseases, allows customers to receive an annuity if corresponding to specific circumstances as a result of a mental
illness recognized as a social issue.
● Linkx Pink
Launched in August 2018, Linkx Pink is our initiative to assist women in living fulfilled lives by providing
comprehensive support services to ensure early detection of breast cancer and offer insurance coverage if cancer is
detected as well as support for patients and survivors.
Inspired by the hope of our female employees to encourage women to live their own fulfilling lives, whether or not
they have breast cancer, we started the initiative to do more than just providing support as an insurer.
Linkx Pink (no surrender value cancer diagnosis insurance for women) is a simple cancer insurance that guarantees
breast or other cancers. It encourages breast cancer screening by paying a cancer-free bonus once every two years,
as well as providing economic support when the insured is treated for cancer. We have also signed partnership
agreements with a number of companies to provide seamless services so that women can continue to live with dignity
even during and after treatment. These companies share our desire to alleviate anxiety among women and to solve
● Egao Wo Mamoru Dementia Insurance
In October 2018, we launched Egao Wo Mamoru Dementia Insurance (Dementia Insurance for protecting your smile) that
guarantees mild cognitive impairment (MCI). Sompo Himawari Life provides a full range of support to customers by helping them to delay
the onset and progression of dementia, along with responding to their nursing care needs. The services include the
SOMPO Egao Club dementia support that provides information and services to promote early detection of MCI and
dementia and prevent a decline in cognitive function; insurance functions that cover MCI and dementia with a
one-time payment; and nursing care and related services of the Sompo Holdings Group to support customers when
nursing care is required.
By providing insurance that includes MCI-based services, this “Insurhealth,” *1 product aims to deepen understanding of
dementia, change the way people approach dementia, support the health of the patient, and reduce the nursing care
burden on the care provider.
- Insurhealth：a new value that combines insurance and healthcare
● “Blue” medical insurance for people with diabetes
On December 24, 2019, we launched “Blue” medical insurance for people with diabetes (lump sum benefit medical
insurance for diabetics). There are approximately three million diabetics in Japan, and the number of patients with
this classic chronic disease is increasing each year.*1
Diabetes is a disease with no noticeable symptoms that is said to be a silent killer. As a result, diabetics are
prone to stop seeking treatment following changes in their living environment. This is why we offer Insurhealth®, a
new type of insurance that incorporates a mechanism to prevent severe aggravation that aims to ensure diabetics
continue their treatment.
We are working in partnership with H2, K.K., the developer of Health2Sync, an app for managing chronic illnesses
such as diabetes, to support the prevention of severe aggravation in people with diabetes by encouraging them to
continuously manage their HbA1c levels*2 using the app.
- Source: Patient Survey 2017, Japan’s Ministry of Health, Labour and Welfare
- Hemoglobin A1c: reflects average blood sugar levels over the past one to two months
● Medical insurance to support health “Protection for Your Health”
On June 2, 2020, Sompo Himawari Life launched a new medical insurance product, Medical Insurance MI-01 (whole-life insurance, pet
name: Medical insurance to support health “Protection for Your Health”).
In addition to the traditional role of paying insurance claims and benefits, this product includes a new service to
help maintain and improve health and thus help prevent serious illnesses. When customers claim health recovery
support benefits, we provide them with lifestyle disease-related services they need based on their state of health,
offering a new value of preventing serious aggravation of illnesses.
● Suwan Toku Cancer Insurance
On March 22, 2021, Sompo Himawari Life launched whole-life cancer insurance (C1) (Suwan Toku Cancer Insurance).
Suwan Toku Cancer Insurance is the industry’s first cancer insurance designed only for non-smokers and can be bought on the internet. The insurance is built on mutual support among non-smokers who are at low risk of disease and offers coverage at an affordable premium. In preparation for the latest cancer treatment, Sompo Himawari Life supports the cost of treatment and loss of income through a cancer treatment benefit that covers a variety of treatments, and a popular cancer diagnosis benefit.
Sompo Himawari Life offers new value to customers by introducing them to products such as SalivaChecker®, a cancer risk test offered by SalivaTech, Co., Ltd. that can be performed at home, to provide not only financial coverage in the event that a customer develops cancer, but also total support for the prevention, early detection, and early treatment of cancer, as well as post-cancer care.
● Release of Health Support Cancer Insurance Yuki no Omamori
As the ninth product in the Insurhealth® line, on October 2, 2021, the Company released “Cancer Treatment with Co-payment Included (Type I) (C2)” (also called “Whole Life Cancer Insurance”) and “Cancer Diagnosis with Co-payment Included (C3)” (also called “Whole Life Cancer Insurance”) (nicknames for the Health Support Cancer Insurance Yuki no Omamori) as new products. These products provide not only coverage when cancer develops but also total support from before cancer development to post-treatment care. As a service for early detection, the Company has introduced a cancer risk test that can be performed at home, provided by HIROTSU BIO SCIENCE INC. and SalivaTech Co., Ltd. The Company provides coverage that is economical, in light of the costly treatment system, and matched to the latest cancer treatments, thereby realizing a new form of cancer insurance and introducing the industry’s first* system in which insurance premiums are not incurred for the first three months from the start of the contract.
Launch of Medical Master (First in the Industry)
In June 2021, as part of our comprehensive business activity insurance (Business Master Plus), one of our key products, Sompo Japan launched Medical Master, a plan that covers the risk of executives and employees falling ill.
As labor shortage has become a pressing issue for companies, enhancing employee benefits has become a widespread trend in an effort to secure talented human resources, with the aim of improving employee loyalty and reducing turnover rates.
Meanwhile, there is growing concern among executives and employees that they may not be able to work due to illness or other reasons.
Medical Master covers the risk of employees falling ill and being absent from work. Sompo Japan aims to contribute to a society in which people can work with peace of mind by supporting the further enhancement of companies’ employee benefits through Medical Master, thereby solving the issue of labor shortage and removing the anxiety of being unable to work.