Domestic Life Insurance

As a “health support enterprise,”
we provide new value with
Insurhealth^® which has the
original functions of insurance and
functions that promote health.

As a life insurance company that assists customers during unlikely events, we aim to be a health support enterprise that exists to help customers prepare for the worst and lead healthy lives every day, being there for customers every day to benefit their health. With people living to be 100 years old these days, we will support our customers in leading abundant lifestyles and realizing their dreams, while working to help build a rich and sustainable society.

Strengths

Product Composition

We provide a wide range of insurance products that cover customer risks in response to changes in the social structure surrounding the customer and in their lifestyle.

Growth Potential

We are realizing growth in keeping with efficiency and profits through product strategies that focus on high-margin protectiontype products, such as medical insurance and income compensation insurance, and sales strategies that make maximum use of our network of P&C insurance agencies.

Topics

Release of Health Support Medical Insurance Kenko no Omamori Heart Wide

As the eleventh product in the Insurhealth^® line, on October 2, 2024, the Company released a new product, limited notification-type medical insurance (M2) (nickname “Health Support Medical Insurance Kenko no Omamori Heart Wide”), that offers simple application procedures even for people concerned about their health. From the conventional limited notification-type medical insurance (the new Kenko no Omamori Heart), we review the insurance of the main contract and offer simple and rational insurance based on the reimbursement High-Cost Medical Expense Benefit. Riders are enhanced to provide insurance that meets the needs of diverse customers.

Release of Health Support Variable Insurance Shorai no Omamori

As the tenth product in the Insurhealth^® line, on May 8, 2023, the Company released a new product, “Variable Insurance (V1) (Disability and Nursing Care Protection)” (nickname “Health Support Variable Insurance Shorai no Omamori”). In addition to death protection in the event it is needed, the product also provides comprehensive protection for being unable to work, including disability and nursing care, which are a growing risk in terms of asset formation for the working generation. Additionally, the product also includes industry firsts^*, such as a “health reserve” scheme that enables customers to leverage their good health to enhance their asset formation, and a secondary insurance period in which customers can continue to have their assets managed in a special account after the insurance pay-in period is complete.

According to research by Sompo as of February 20, 2023

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 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.

According to research by Sompo as of September 6, 2021

Release of Health Insurance (MI-01) to Support Initiatives to Help Prevent Lifestyle Diseases From Becoming More Serious

As the seventh product in the Insurhealth^® line, on June 2, 2020, the Company released Health Insurance (MI-01) (whole life type; nickname for the Health Support Medical Insurance Kenko no Omamori) as a new health insurance product.
Traditional health insurance has mainly served to help people with medical bills after they are hospitalized or have surgery.
In addition to this traditional benefit, the new health insurance product Health Support Medical Insurance Kenko no Omamori provides health services for customers to prevent diseases from becoming more serious, by guiding them to lifestyle disease support services (providing them with the necessary services for their known conditions) when customers file a claim for health recovery assistance benefits.

Launch of "MY Himawari" app that connects life insurance and health

We released the "MY Himawari" app on September 24, 2024. It allows you to confirm the details of your current insurance contracts and conduct various related procedures. It also helps predict future health risks and provides support for adopting healthy behaviors to avoid those risks. My Himawari is based on the concept of “See, Connect, and Change” and provides various services related to life insurance (My Life Insurance) and health (My Health).
◆See: By visualizing the gap between your "ideal state" and "current state" in terms of health and insurance, MY Himawari offers an opportunity to reflect on health and insurance, encouraging a change in health awareness.
◆ Connect: By staying connected with your loved ones, friends and our company, MY Himawari proposes personalized suggestions for improving health and insurance coverage.
◆ Change: The app supports you in maintaining healthy lifestyle habits and improving or sustaining your health condition.
Whether or not you have a contract with our company, the app is free for everyone to use.

Launch of lifestyle improvement support service Blood Glucose Coaching

Blood Glucose Coaching^*1 is a service that helps users to understand the changes in their blood glucose levels in daily life, which cannot be determined through health checkups, and establishes the causes and improvement methods. The service can provide a visual representation of the user’s glucose level^*2 in real time, using a device that can monitor the level constantly.
Additionally, if the glucose level exceeds a target range, the service notifies the user via a dedicated app^*3 with messages linked to the measured level. Together, this visualization of blood glucose fluctuation and messages help to raise users’ awareness of the relationship between their lifestyle habits and these fluctuations,” encouraging them to make active lifestyle improvements.

Until February 2025 (planned), the service name is Linkx Blood Glucose Coaching.
Glucose levels are highly correlated with blood glucose levels, and glucose level trend is considered a reliable indicator of blood glucose trend.
The service uses the smartphone app “Health2Sync” provided by Health2Sync.

[Industry first] Launch of women’s life design support service Life is^*1

Sompo Himawari Life launched an industry first^*2 paid healthcare service in the Femtech domain in September 2022.
Health issues such as periods, future pregnancy and menopause are closely linked to hormonal changes and work performance and life design. Understanding the impact hormones have on women’s lives, and suggesting personalized improvement measures, can help resolve discomfort and concerns.
Unravelling the health and career concerns of women working in companies supports the ideal life design of individual women and promotes the creation of working environments that are comfortable for women.