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Realization of “Theme Park for the Security, Health, and Wellbeing of Customers”The Sompo Holdings Group is reforming existing business models as well as its entire business portfolio
by leveraging digital technologies and developing new businesses and services.
By creating new value through transformation into a “theme park for the security, health, and wellbeing
of customers,” we aim to help realize a resilient, sustainable society.
Sompo Japan Nipponkoa Insurance Inc. sells insurance through agencies. SAISON AUTOMOBILE AND FIRE INSURANCE COM-
PANY, LIMITED and Sonpo 24 Insurance Company Limited are responsible for direct sales. In addition, Sompo Japan Nipponkoa
DC Securities Inc. provides defined contribution pension fund management services, and Sompo Risk Management Inc. pro-
vides risk solution services and handles the cybersecurity business.
Sompo Japan Nipponkoa’s Products and Services That Leverage Leading-Edge Digital Technologies
Safe Driving Support System for Companies—Smiling Road
We offer a telematics-enabled service that supports safe driving using a
dedicated driving monitor. The service reduces accidents, with the cumu-
lative number of accidents at all companies using the service down
roughly 20%.
Introduction of Telematics-Enabled
Insurance with Safe Driving Discounts
We have developed Japan’s first telematics-
enabled insurance. Customers can receive
discounts of up to 20% on premiums based on
the results of the driving examinations of our
smartphone app. We have been selling the new
insurance product since January 2018.
Sompo Risk Management’s Main Services
• Support services to establish, revise, and train in business continuity plans
• Social media risk consultation services
• Cybersecurity services
Value-generating innovation —Be the most highly evaluated P&C insurance company—Domestic P&C Insurance Business
Domestic P&C insurance business
Domestic life insurance business
Overseas insurance business
Nursing care & healthcare
business
jpn_sompo-rm_comm-logomark_en_type-b_basic_posi
Sompo Japan Nipponkoa Himawari Life Insurance, Inc., offers new services centered on health and sells protection products,
such as medical insurance and family income insurance, mainly through agencies.
The Sompo Holdings Group has developed
its business through organic growth and
disciplined M&A. The group operates its
overseas business in 218 cities located in
30 countries and regions worldwide, in both
developed and emerging countries.
Evolve into a health support enterprise—The second founding—
Sompo International, the core company in the overseas insurance business, is a global specialty pro-
vider of commercial P&C insurance and reinsurance, currently comprised of the operations of legacy
Endurance (acquired in March 2017), Sompo America and SJNK Europe. This company, with high-
quality underwriting and risk management expertise in the commercial business, offers a wide range of commercial property, liability and
specialty insurance and reinsurance products on a global basis.
Sompo International’s operating platform across North America and Europe will lead the strategic expansion of Sompo’s overseas
commercial and retail business. In the retail business, we have established a new platform in Sompo International Holdings to facilitate
the integration of our overseas operations. This new platform will enable us to accelerate the growth of the overseas insurance business
by sharing underwriting, technology, and other expertise to fully leverage the Group’s resources.
Global Expansion218 cities in 30 countries and regions (As of March 31, 2018)
Overseas Insurance Business
Domestic Life Insurance Business
The Launch of Our First Insurhealth Product
In April 2018, we launched a renewed family
income insurance product, which combines insur-
ance coverage and health support.
The insurance industry’s first “Get Healthy
Challenge!” program reduces the premiums of
customers whose health improves within a certain
period after enrollment. Moreover, the program
provides customers with a reimbursement of the
difference between the former and reduced premi-
ums dating back to the time of policy enrollment.
Development of the Health Service Brand
Linkx (pronounced “link cross”) is a health service brand that we launched
in September 2016.Our aim is to offer health-related apps and products
that not only pay out the insurance amount when the need arises but also
provide support for illness avoidance by building relationships with cus-
tomers throughout their lifetimes and helping customers maintain and
improve their health.
Health information app that supports personal health
Dieting app that enables friends or partners to pair up to keep each other on track
Walking app that makes daily walks more fun
Automatic household accounting app that visualizes money flows
Accelerate growth through steady organic growth and disciplined M&A activities
Asset Management Business
Assistance Business Healthcare Business
Home Remodeling Business
Extended Warranty Business
Strategic Businesses
We offer services of the highest grade 24/7 that
support the security and wellbeing of customers
in their daily lives.
We use the latest technologies to provide compa-
nies, medical insurers, and other customers with
comprehensive health-care services, which cover
individualized analysis of mental and physical health
through to prevention and recurrence prevention.
This company proposes and provides top-caliber
products and asset management services to assist
customers in building asset portfolios over the
medium-to-long term. Such offerings are made
available through its investment advisory business
geared toward pension funds and other institu-
tional investors and through its investment trust
business designed primarily for private investors.
As a general remodeling firm, the
company eliminates uneasiness, incon-
venience, and discomfort through
high-quality remodeling services, pro-
viding homes in which residents can
live safely, comfortably, and with peace
of mind.
As a professional extended warranty company, we
offer extended warranty services that enable cus-
tomers to prolong insurance periods beyond prod-
uct manufacturers’ warranty periods and use repair
services for malfunctioning or defective products.
Nursing Care Business Sales of Listed Nursing Care Providers (Fiscal Year Ended March 31, 2018)
Facility-based
nursing care
We operate 299 fee-based nursing homes in the low- to mid-price range under the Sompo Care Sompo no Ie and Sompo Care La vie Re brands as well as 132 serviced residential complexes for the elderly under the Sompo Care Sompo no Ie S brand.
At-home
nursing care
Under the Sompo Care brand, we provide home-visit nursing care and other at-home nursing care services through 686 offices.
* The number of at-home nursing care service offices is based on the number of separately registered service types and differs from the number of locations
Sompo Care Group’s sales second highest in industry
1 Company A ¥148.1 billion
2 Sompo Care Group ¥119.2 billion
3 Company B ¥111.8 billion
4 Company C ¥81.8 billion
5 Company D ¥45.5 billion
6 Company E ¥39.5 billion
* Prepared by Sompo Holdings, Inc., based on each company’s financial settlement documents
Main services
• Road assistance
• Home assistance
• Overseas medical care program
• Business process outsourcing
• Services for visitors to Japan
Main services
• Support services for Health & Productivity
Management* and for mental and physical health
• Health guidance and support service (information
services, specific health guidance, support in
preventing the progression of disease)
* Health & Productivity Management is a registered trademark of the incorporated nonprofit organization Workshop for the Management of Health on Company and Employee
jpn_sompo-hs_comm-logomark_en_type-b_basic_posi
In July 2018, we merged our four nursing care service companies and relaunched them as Sompo Care Inc. Further, in April 2018
we introduced a Regional Headquarters System that divides Japan into four regions. This enables us to provide one-stop con-
sultation services in each region with respect to our full lineup of nursing care services, which encompasses everything from at-
home nursing care to facility based nursing care.
Realize “Japan, an affluent country that can boast to the world of a long and quality life”
Nursing Care & Healthcare Business
Development of Products and Services Leveraging the Latest Digital Technologies
We have established SOMPO Digital Lab in the world’s leading-edge technology hubs as a base for the creation of products
and services that use new digital technologies. As an addition to our two labs in Tokyo and Silicon Valley, we established a lab
in Israel in November 2017.
DRIVING! Safe Driving Support Service for Individuals
In January 2018, as a rider for automobile insurance, we introduced a service for
individuals that is based on telematics and driving recorders.
We help customers drive safely by using our differentiated capabilities as an insu
rance company to provide an extensive lineup of services that contributes to safety
and reassurance when customers are driving, when they are off the road, and if an
accident occurs.
Home Hazard MapsWe have developed unique hazard maps by combining the insurance payment data of
Sompo Japan Nipponkoa with the hazard maps issued by public institutions. We have
been providing these maps through agencies nationwide since April 2018.
We are endeavoring to further enhance the satisfaction of customers with respect
to their insurance policies by visualizing natural disaster risks in regions where cus-
tomers reside—such as the probability of earthquakes, envisioned inundation height
(water depth) during floods, and locations with a danger of landslides—and giving
customers a better understanding of natural disaster risks.
A screenshot of the SOMPO Egao Club website service menu page
Insurance payment
Accident response
Monitoring and detection
Reinforcementmeasures
Policy formulation
Sophisticateddiagnosis
One-Stop Platform
Simple diagnosis
Full service lineup
Collaboration
Partner companies with advanced technological and solution capabilities
Participation in the Cybersecurity Business
The Sompo Holdings Group entered the cybersecurity business
in January 2018. We offer one-stop services for cybersecurity
measures that encompass risk assessments and preventive
measures through to compensation. These services are based
on an alliance with cybersecurity providers who offer advanced
services and the leading-edge technologies that are available
to the Group through SOMPO Digital Lab Tel Aviv’s local net-
work in Israel.
Launch of the SOMPO Dementia Support Program
In order to address various social issues surrounding dementia, Sompo
Holdings, Inc., launched “SOMPO Dementia Support Program” by aiming “to
build a society that strives to prevent dementia, and enables people to continue
living with dignity as individuals, even after being diagnosed with dementia”.
Since October 2018, Sompo Japan Nipponkoa has been marketing Oyako
No Chikara, an insurance product that enables people to avoid having to
resign from work to provide nursing care to aging parents. At the same time,
Sompo Japan Nipponkoa Himawari Life Insurance has been marketing Linkx
Egao Wo Mamoru Dementia Insurance, an insurance product which pays a
one-time insurance benefit when the insured is diagnosed with both mild
cognitive impairment (MCI) and dementia. As an ancillary service to these
products, we are also providing the SOMPO Egao Club Dementia Support
Service, which supplies information of the measures to prevent a cognitive
impairment and services to support the delivery of appropriate care.
Tel Aviv / Silicon Valley
18.11 501427 -0600
(billions of yen)
(FY)0
500
2,000
3,000
1,000
2,500
1,500
2,552.1
2,854.7
2,550.3
2015 2016 2017
159.5
139.8
166.4
50
100
200
0
150
2015 2016 2017
(billions of yen)
(FY)
Corporate Data
Key Indicators
(As of March 31, 2018)
History
Tokyo FireJul. 1887
Sompo JapanJul. 2002
Sompo Japan NipponkoaMerged on September 1, 2014
Yasuda Fire & Marine Nissan Fire & Marine Taisei Fire & Marine
Nippon AccidentMay 1911
Nippon FireMay 1892
NIPPONKOAApr. 2001
Nippon Fire & Marine Koa Fire & Marine
Chugai MarineApr. 1918
NKSJ HoldingsEstablished on April 1, 2010
Sompo Japan Nipponkoa HoldingsChanged our company name on September 1, 2014
Sompo HoldingsChanged our company name on
October 1, 2016
Company name : Sompo Holdings, Inc.
Date of establishment : April 1, 2010
Capital : 100 billion yen
Group CEOPresident & CEO
: Kengo Sakurada
Business activities : Management of P&C insurance compa-nies, life insurance companies, and other companies controlled as subsidiaries pur-suant to the Insurance Business Law, and other related operations.
Exchange listing : Tokyo Stock Exchange (First Section)
Net Premiums Written Rating Information (As of August 16, 2018)
Rating agency ObjectSompo Japan Nipponkoa
Sompo Japan Nipponkoa Himawari Life
S&PFinancial Strength Rating A+ A+
Moody’sInsurance Financial Strength Rating A1 —
Rating and InvestmentInformation, Inc. (R&I)
Issuer Rating AA —
Insurance Claims Paying Ability — AA
Japan Credit RatingAgency, Ltd. (JCR)
Ability to Pay Insurance Claims Rating AA+ —
A.M.BestFinancial Strength Ratings A+ —
Net Income Attributable to Shareholders of the Parent
26-1, Nishi-Shinjuku 1-chome, Shinjuku-ku, Tokyo 160-8338, Japan
URL: https://www.sompo-hd.com/en/
FY2011June Berjaya (Malaysia) becomes
consolidated subsidiary.October Sompo Japan Himawari Life and
Nipponkoa Life merge to form the company that is now Sompo Japan Nipponkoa Himawari Life Insurance.
FY2012April Prime Assistance is established and
enters assistance business.September Cedar becomes affiliate and enters
nursing care business.
FY2013June Marítima Seguros (Brazil) becomes
consolidated subsidiary.
FY2014September Sompo Japan and NIPPONKOA
merge to form Sompo Japan Nipponkoa.
FY2015April Fresh House becomes subsidiary and
enters home remodeling business.December Watami no Kaigo becomes subsid-
iary, and Group establishes Sompo Care Next.
Product Warranty Japan (now Sompo Warranty) becomes subsidiary and enters extended warranty business.
March Former capital alliance partner Mes-sage becomes subsidiary.
FY2016June Group concludes Bancassurance
agreement with major banking group in ASEAN, CIMB Group Holdings.
March Sompo International (British Overseas Territory of Bermuda) becomes subsidiary.
FY2017January The Sompo Holdings Group enters
the cybersecurity business.
FY2018July Four companies, including Sompo
Care and Sompo Care Next, merge to form Sompo Care.
October Sompo Risk Management & Health Care splits into Sompo Risk Manage-ment and Sompo Health Support.
Domestic P&C Insurance Business Domestic Life Insurance Business Nursing Care & Healthcare Business
Overseas Insurance Business Strategic Businesses