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CSR Promotion Structure and Materiality and Plans and Results of CSR Initiatives~Tokio Marine Group’s CSR Promotion Structure

Tokio Marine Holdings has established a dedicated CSR Division (CSR Division, Strategy and Synergy Department) to identify material CSR issues and to formulate and implement Group CSR strategies. The division supports the CSR activities of each Group company through dialogue and cooperation with CSR key persons appointed to promote CSR within the divisions in charge of CSR at the respective Group companies.
Tokio Marine Group regularly convenes the CSR Board, comprising the president of Tokio Marine Holdings (board chairman) and presidents of major domestic Group companies, as well as the CSR Key Persons Conference, which consists of Tokio Marine Holdings and Group companies’ CSR divisions. These bodies evaluate various types of CSR initiatives and discuss response measures for CSR issues (important issues to be shared by each Group company) for the entire Group. Tokio Marine Holdings also convenes CSR Dialogues with external experts, non-governmental organizations (NGOs), and non-profit organizations (NPOs). The dialogues give us opportunities to hear outside opinions about our awareness and approaches concerning the Group’s CSR issues. These opinions and other ideas are then reflected in our CSR strategy and our approach to each individual CSR issue.
The Company’s Board of Directors receives reports on the CSR activities of the entire Group while formulating the Overall Group CSR Strategy (medium-term plan and single fiscal-year plans). CSR promotion officers at each Group company play a leading role in promoting and handling common issues to be addressed by the entire Group as well as in implementing CSR activities based on the characteristics of each business and local communities.

Tokio Marine Group CSR Promotion Structure

CSR Management System

In Tokio Marine Group, the departments handling each respective function are responsible for implementing initiatives for each CSR issue. The management systems for each ISO 26000 core subject and issue are listed within each section of this report.

ISO 26000 Core Issues and Issues Management Elements Reference
Human rights Due diligence/Human rights risk situations/Avoidance of complicity/Discrimination and vulnerable groups Approach regarding impact Respect for Human Rights, Fundamental Policy
Management methods Policies/Commitment Tokio Marine Group CSR Charter, Respect for Human Rights
Fundamental Policy
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Management System concerning Respect for Human Rights and Initiatives
Complaint handling mechanism Respect for Human Rights in the Group, Hotline System
Specific steps Respect for Human Rights
Labour practices Employment and employment relationships/Conditions of work and social protection/Social dialogue/Health and safety at work/Human development and training in the workplace Approach regarding impact Promoting Health and Productivity Management
Developing and Utilizing Diverse Human Resources
Management methods Policies/Commitment Five Spirits of Developing Human Resources
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Developing and Utilizing Diverse Human Resources
Complaint handling mechanism Fair Personnel System, Raising Employee Satisfaction Levels
Specific steps Promoting Health and Productivity Management, Developing and Utilizing Diverse Human Resources
The environment Prevention of pollution/Sustainable resource use Approach regarding impact Core Theme 2: Protecting the Earth
Management methods Policies/Commitment Tokio Marine Group CSR Charter
Tokio Marine Group Environmental Philosophy, Environmental Policy and Stance
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Management Structure under an Environmental Management System (EMS)
Complaint handling mechanism ISO 14001, Green Assist
Specific steps Promoting Environmental Management
Climate change mitigation and adaptation Approach regarding impact Core Theme 2: Protecting the Earth
Management methods Policies/Commitment Tokio Marine Group CSR Charter
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Management Structure under an Environmental Management System (EMS)
Complaint handling mechanism ISO 14001, Green Assist
Specific steps Making Society Resilient to Natural Disasters
Preventing Global Warming by Promoting the Development of Clean Energy
Biodiversity and restoration of natural habitats Approach regarding impact Tokio Marine Group’s Vision for Biodiversity
Management methods Policies/Commitment Preservation of Biodiversity
Tokio Marine Group’s Vision for Biodiversity
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Management Structure under an Environmental Management System (EMS)
Complaint handling mechanism ISO 14001, Green Assist
Specific steps Promotion of Environmental Management, Preserving Biodiversity through Products and Services
Fair operating practices Anti-corruption/Responsible political involvement/Fair competition/Respect for property rights Approach regarding impact Internal Control
Management methods Policies/Commitment Tokio Marine Group CSR Charter, Declaration of Commitment to Compliance, Tokio Marine Group Code of Conduct
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Tokio Marine Group Compliance System
Complaint handling mechanism Hotline System (Internal Whistleblower System)
Specific steps Compliance, Risk Management
Promoting social responsibility in the value chain Approach regarding impact CSR in the Value Chain
Management methods Policies/Commitment Tokio Marine Group CSR Charter
Tokio Marine & Nichido Group Principle of Transactions
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Value Chain Management
Complaint handling mechanism Response to Customer Feedback
Specific steps CSR in the Value Chain
Consumer issues Consumer service, support, and complaint and dispute resolution/Education and awareness Approach regarding impact Improving Quality from the Customer’s Perspective
Management methods Policies/Commitment Tokio Marine Group CSR Charter
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Quality Improvement Initiatives
Response to Customer Feedback
Working Together with Agents to Improve Quality
Complaint handling mechanism Response to Customer Feedback
Specific steps Compliance, Improving Quality from the Customer’s Perspective, Promoting Health and Productivity Management
Consumer data protection and privacy Approach regarding impact Information Security
Management methods Policies/Commitment Privacy Policy
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Consumer Data Protection, Privacy Policy, Information Security
Complaint handling mechanism Response to Customer Feedback
Specific steps Information Security
Sustainable consumption Approach regarding impact Sustainable Consumption Management System
Management methods Policies/Commitment Tokio Marine Group CSR Charter
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Sustainable Consumption Management System
Complaint handling mechanism Response to Customer Feedback
Specific steps Eliminating Poverty in Society
Community involvement and development Community involvement Approach regarding impact
Management methods Policies/Commitment Tokio Marine Group CSR Charter
Goals and targets Plans and Results of CSR Initiatives
Responsibilities and management resources Tokio Marine Group CSR Promotion Structure
Complaint handling mechanism Response to Customer Feedback
Specific steps Building a Secure Society by Leveraging Traffic Technology Innovation
Building a Secure Society by Responding to Varying Lifestyles and Changes in Society, Building a Society Based on Health and Longevity to Ensure Peace of Mind
Nurturing Generations Responsible for the Future
Building a Society in Which the Elderly Can Live with Peace of Mind
Building a Society in which Persons with Disabilities Can Take on Active Roles

System for Sustainable Consumption

Tokio Marine Group developed microinsurance and weather insurance for low-income earners in those developing countries with vulnerability to climate change, natural disasters, illnesses and accidents. Also, Tokio Marine Group supplies products and services that support the building and introduction of renewable energy facilities and also operates the Green Gift Project. Under this project, when customers choose web-based insurance contracts on our website Tokio Marine & Nichido donates funds corresponding to a portion of the value of the reduction in paper used to support environmental protection activities in Japan and overseas. The organizational structures for undertaking these initiatives are as follows.

Initiatives Company
Microinsurance and weather insurance (India) IFFCO-TOKIO General Insurance Co. Ltd.
Products and services that support the building and introduction of renewable energy facilities Tokio Marine & Nichido (Sales Development Department, Sales Department)
Green Gift Project Tokio Marine & Nichido (Sales Planning Department, CSR Department)

Group Core CSR Themes and Materiality~What Types of Issues Are We Addressing?

With the adoption of the Sustainable Development Goals (SDGs) in September 2015, there are rising expectations that companies will work toward realizing an even more sustainable and highly resilient world. In collaboration with stakeholders, Tokio Marine Group is leveraging its expertise and know-how in insurance and risk management to contribute to the resolving of various societal issues that include the frequent occurrence of large-scale natural disasters, shifting demographics, the changing environment resulting from technological innovation and poverty.

Tokio Marine Group’s CSR Materiality (Material Issues)

Tokio Marine Group identified CSR issues for each of the three core CSR themes and governance and specified their CSR materiality (material issues). We will promote initiatives by reflecting the identified CSR materiality in the Group’s CSR strategy and CSR targets.

Process for Identifying Tokio Marine Group’s CSR Materiality

Tokio Marine Group uses the following process to implement the “Disclosure 102-46: Defining report content and topic Boundaries” in “Global Reporting Initiative (GRI) Standards.”

  1. Identifying Related Issues
    The Group identified CSR issues that are subject to examination giving consideration to ways of contributing to CSR issues unique to the insurance and financial businesses and meeting the expectations of stakeholders in the future. In this examination, we analyzed the Group’s value chain and identified CSR issues in each core theme giving consideration to stakeholder interests and expectations brought up during stakeholder engagement.
  2. Prioritization of Issues
    Tokio Marine Group identified Group CSR initiatives by analyzing “Feedback from stakeholder engagement (CSR dialogue) with customers, shareholders, investors, employees, agents, business partners, local communities and societies,” “CSR issues and responses to a changing business environment surrounding the Group,” and “Relation to Tokio Marine Group’s corporate principle and management vision” from the dual perspectives of “significant impact on stakeholder evaluations and decision-making (impact on stakeholders)” and “significant impact of organizations on the economy, the environment and society (impact on business)” and then identified the priority of material CSR issues and CSR issues subject to disclosure.
    • *Tokio Marine Group classified G4 “Material Aspects” into “CSR Materiality (Material Issues)” and “CSR Issues Subject to Disclosure.”
  3. Confirming the Validity of Material Issues
    The comprehensiveness of CSR issues subject to examination, the relevance to core CSR themes, CSR Materiality (Material Issues) and the validity of CSR issues subject to disclosure are confirmed at CSR dialogues (meetings for dialogue and opinion exchanges between experts and Group management) and ultimately the approval of management is obtained.
  4. Review
    The CSR Board, which consists of presidents of major Group companies, periodically reviews the state of initiatives for CSR Materiality (Material Issues). Third-party assurance will be obtained from an independent external verification authority for core CSR themes and information will be disclosed in the Sustainability Report.

Value Chain and CSR Issues

●CSR Materiality (Material Issues), ○CSR issues subject to disclosure *CSR issues are underlined.

To Be a Good Company Toward a safe, secure and sustainable future

CSR Core Theme Principal Stakeholders in the Value Chain
Shareholders and Investors Employees (Group Activities) Insurance Agents and Business Partners Customers Local Communities and Societies, Research Institutes

Core Theme 1
Providing Safety and Security

Providing safety and security to customers, local communities and society worldwide through the insurance business

●Providing sustainable products and services beneficial for safety and security ●Providing products and services beneficial for safety and security ●Providing products and services beneficial for safety and security ●Products and services beneficial for disasters, safety and security, and an aging society ●Climate change and natural disasters research
●Local community and social contribution activities that realize security and safety
●Raising brand strength by promoting ESG in the provision of products and services ●Responding to customer needs and changes in risk resulting from various technological innovation ●Promoting ESG in the provision of products and services in collaboration with business partners ●Insurance that responds to low birth rates and aging societies, and changing population demographics ●Promoting ESG in the provision of products and services to respond to poverty
○Promote understanding of products and services through consumer education ○Promote understanding of products and services through consumer education ○Promote health in local communities through sports promotion

Core Theme 2
Protecting the Earth

Contributing to a sustainable global environment

●Insurance products for responding to climate change and natural disasters ●Protection of the global environment through the provision of environment-friendly products ●Protection of the global environment through the provision of environment-friendly products ●Protection of the global environment through the provision of environment-friendly products ●Local community and social contribution activities realizing protection of the global environment
●Protection of the global environment through the provision of environment-friendly products ●Improve business efficiency through information systems that utilize technological innovation ●Promoting ESG in the provision of products and services by promoting business partner environmental protection ●Insurance products that respond to climate change and natural disasters ●Social contribution activities that deter climate change and natural disasters
○Reduction of environmental footprint and achieve carbon neutral status ○Reduction of environmental footprint and achieve carbon neutral status ○Consumer education through the promotion of Web clauses

Core Theme 3
Supporting People

Developing employees and partners who support and bring a virtuous cycle to local communities and society

●Promotion of diversity and inclusion ●Promotion of the Group’s diversity and inclusion ●Promoting ESG in the provision of products and services by maintaining good working conditions at business partners ●Provide customer support that responds to technological innovation such as web-based sales ●Local community and social contribution activities that support youth, the elderly, persons with disabilities and athletes
●Local community and social contribution activities that address low birth rates and aging societies, and population demographics ●Human resources development that aims for realizing a company that develops the top “people” in Japan
●Human resources development that responds to technological innovation ●Human resources development that responds to technological innovation ○Consumer education through an insurance guidebook ●Develop youth to respond to low birth rates and aging societies, and population demographics
○Labour practices that promote the health of employees ○Fair labour practices that emphasize dialogue aimed at promoting the health of employees ○Promote health in local communities by encouraging health examinations
Governance-Strengthening CSR Management
Continuously enhancing shareholder value
●Enterprise Risk Management (ERM)
●Corporate governance/Internal control
●Strengthening of international supervisory regulations
●Changes in the global economy and financial environment
●Generate and distribute economic value
○Anti-corruption
○Evaluation of human rights and anti-discrimination
○Grievance resolution

Tokio Marine Group CSR Materiality (Material Issues) Matrix

CSR Issues and Responses to a Changing Business Environment Surrounding the Group

We expect the insurance business environment to change significantly over the medium to long term due to a number of factors including the unprecedented pace of technological development, more frequent natural catastrophes, demographic shifts in the Japanese market and an increase in global oversight and regulation.
By proactively grasping these changes in the environment, we plan to refine our business strategy and advance our business platform that supports the creation of corporate value. Furthermore, by offering solutions to issues faced by stakeholders arising from changes in the business environment, we will provide safety and security to our stakeholders while striving to raise the competitiveness of the Group.
From such a perspective, we analyzed and prepared responses to CSR issues and changes in the business environment surrounding the Group to deepen discussion of ways to resolve issues faced by stakeholders arising from changes in the business environment from the perspective of CSR matters. With these prepared responses serving as a starting point, we will further sophisticate our CSR activities.

Climate change and increase in natural disasters

Core theme Stakeholders Corresponding actions (Materiality)
Providing Safety and Security Shareholders Research on climate change and natural disasters (Disaster, accidents, microinsurance)
Insurance products responding to climate change and natural disasters (Disaster, accidents, microinsurance)
Employees, Insurance Agents and Business Partners Instill the necessity of preparation for increasing natural disasters in customers (Consumer education)
Respond quickly to claims payments at occurrence of disasters(Grievance resolution (Quality improvement of products and services))
Customers There is a rising need for casualty insurance due to the frequent occurrences of major natural disasters (Disaster, accidents, microinsurance)
Businesses that accelerate developing clean energy (Development of clean energy)
Local Communities and Societies Accumulation of information regarding disaster prevention and appropriate action in the case of a disaster (Disaster prevention, traffic accidents)
Protecting the Earth Employees, Insurance Agents and Business Partners Reduction of environmental footprint through products and services(Global environment protection activities (Biodiversity))
Local Communities and Societies Climate change, natural disasters and depletion of biodiversity Global environment protection activities (Biodiversity) (Environmental protection activities in local communities)
Governance and Compliance Shareholders Response to impact on the insurance business of issues such as the frequent occurrences of major natural disasters and the creation of communities with strong resilience to disasters (Enterprise Risk Management, generate and distribute economic value)
Insurance Agents and Business Partners Pressure by institutional investors on company climate change strategy over its value chain and the implementation of effective initiatives (Supplier environmental and social assessment)
Investment Investment for promoting clean energy and investment for promoting ESG management (Sustainable investment)

Changing market structure accompanying shifting population demographics in Japan

Core theme Stakeholders Corresponding materiality
Supporting People Employees Acceptance, promotion and utilization of diversity in such areas as gender, age and nationality (Diversity and inclusion)
Labour shortage due to the aging of society, secure and develop young workers Implement initiatives for “Health and Productivity Management (Labour practices)
Customers Aging of customers (Medical treatment, household economy and longevity (Integrated insurance services relating to health))
Local Communities and Societies Increase in nursing care and health needs (Promote health in local communities)
Increasing unemployment rates for young people, poverty and inequalities in educational opportunities (Developing youth)
Governance and Compliance Shareholders The form of insurance will change due to a rise in one-person households and the aging of society (Corporate governance/Internal control, Enterprise Risk Management)

Changes in customer needs and risk due to diverse technological innovation

Core theme Stakeholders Corresponding materiality
Providing Safety and Security Employees Responding to customer needs and changes in risk resulting from various technological innovation (Human resources development)
Customers Provide customer support that responds to technological innovation such as web-based sales (Grievance resolution (Quality improvement of products and services))
Supporting People Employees Importance of IT and necessity of information security (Human resources development)
Improve business efficiency through information systems that utilize technological innovation (Quality improvement of products and services) (Information security)
Governance and Compliance Shareholders Impact on business processes, including sales and aftersales service and customer information gathering (Corporate governance/Internal control, Enterprise Risk Management)
Insurance Agents and Business Partners Being able to differentiate product and service quality and maintain the corporate brand (Generate and distribute economic value)
Investment Importance of information security due to insurance sales through websites Further respect of market regulations (Information security)

Changes in the global economy and financial environment

Core theme Stakeholders Corresponding materiality
Governance and Compliance Shareholders Investment risk due to low interest rates, decrease in investment returns (Corporate governance/Internal control, Enterprise Risk Management)
Insurance Agents and Business Partners Investment risk due to low interest rates, decrease in investment returns (Generate and distribute economic value)
Customers Competition in providing services in intensifying due to the increasingly unclear behavior of customers and due to deregulation (Grievance resolution (Quality improvement of products and services))

Plans and Results of CSR Initiatives

CSR Plan within the Fiscal 2015-2017 Mid-Term Business Plan

Under the mid-term business plan “To Be a Good Company 2017 (FY2015 - FY2017),” Tokio Marine Group has set the following core CSR themes and implemented initiatives for the three core CSR themes and strengthening CSR management.

In fiscal 2017, our initiatives generally proceeded smoothly and we attained our objectives in all activities. Under the new mid-term business plan “To Be a Good Company 2020 (FY2018 - FY2020), in working toward being a “Good Company,” in fiscal 2018, all Group employees throughout the world will continuously work to implement the three CSR core themes and strengthen CSR management as his/her own matter with the aim of raising corporate value and generating social value.

  • Core Theme 1: Providing Safety and Security
  • Core Theme 2: Protecting the Earth
  • Core Theme 3: Supporting People
  • Governance ~ Strengthening CSR Management

Core Theme 1: Providing Safety and Security

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2017 Activities and Numerical Targets Fiscal 2017 Results Self-Assessment Fiscal 2018 Activities and Numerical Targets
Making Society Resilient to Natural Disasters
  • Value creation by providing disaster risk solutions
  • Respond to climate change and natural disaster risk
  • Value creation by industry-academia collaborative research
  • Provide disaster and accident risk solutions
  • Promote industry-academia collaborative research and create value
  • Hold Natural Disaster Risk Seminars
  • Provided disaster- and accident-related insurance and risk consulting services; continued to distribute personalized videos to customers to prepare for typhoons and torrential downpours
  • Promoted climate change and natural disaster risk research with The University of Tokyo, Nagoya University, Kyoto University and Tohoku University, and won the Excellent Resilience Award at the Japan Resilience Award 2018
  • Held a panel discussion with Tohoku University at the World Disaster Risk Reduction (Bosai) Forum and disseminated the relevant information broadly to society
  • Held a Natural Disaster Risk Seminar on water disaster risk (November 2017)
Self-Assessment
  • Provide disaster and accident risk solutions
  • Promote industry-academia collaborative research
  • Hold Natural Disaster Risk Seminars
Building a Secure Society by Leveraging Traffic Technology Innovation
  • Develop products and services that respond to technological innovation
  • Develop products and services that respond to technological innovation
  • Developed automobile insurance for the “Sharing Economy”
  • Launched a Rider for Expenses for Saving Victims for auto insurance and Super Insurance
  • Launched Drive Agent Personal, a new service for auto insurance
Self-Assessment
  • Develop products and services that respond to technological innovation
Building a Secure Society by Responding to Varying Lifestyles and Changes in Society
  • Develop related products and services
  • Develop related products and services
  • Launched a new product, D&O Management Package
  • Launched Cyber Risk Insurance for corporate customers
Self-Assessment
  • Develop related products and services
Eliminating Poverty in Society
  • Provide all people with access to insurance services
  • Provide insurance for low-income earners and those engaging in small-scale farming
  • Increased the prevalence of weather insurance and microinsurance in India
Self-Assessment
  • Provide insurance for low-income earners and those engaging in small-scale farming
Improving Quality from the Customer’s Perspective
  • Value creation by quality improvement
  • Promote quality improvement initiatives
  • Implemented initiatives for Anshin Quality
Self-Assessment
  • Promote quality improvement initiatives
Local Community and Social Contribution Activities
  • As an indicator for measuring the state of CSR initiatives with the participation of all employees, total employee participation rate in volunteer activities: At least 100% (total participation rate regarding three core themes)
  • Continue support for recovery of the disaster-affected areas
  • Hold Disaster Prevention Lessons at schools
  • Total employee participation rate in volunteer activities: At least 100% (total participation rate regarding three core themes)
  • Continue support for recovery of the disaster-affected areas
  • Hold Disaster Prevention Lessons at schools
  • Total employee participation rate in volunteer activities: 139.4% (attained target for the fourth consecutive year, total participation rate regarding three core themes)
  • Continued employee cafeteria menu for support for recovery of the disaster-affected areas as well as volunteer support for recovery of the disaster-affected areas
  • Held Disaster Prevention Lessons (382 times, with participation of 30,108 children and students) accumulated total as of March 31, 2018)
Self-Assessment
  • Total employee participation rate in volunteer activities: At least 100% (total participation rate regarding three core themes)
  • Continue support for recovery of the disaster-affected areas
  • Hold Disaster Prevention Lessons at schools

Core Theme 2: Protecting the Earth

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2017 Activities and Numerical Targets Fiscal 2017 Results Self-Assessment Fiscal 2018 Activities and Numerical Targets
Promotion of Environmental Management
  • FY2017 CO2 emissions: -3% (compared with FY2014)
  • CO2 emissions per employee: -3% (compared with FY2014)
  • Be carbon neutral
  • Promote paperless operations
  • Promote 3R
  • CO2 emissions: -1% (Scope 1+2+3, compared with FY2016)
  • CO2 emissions per employee: -1% (Scope 1+2+3, compared with FY2016)
  • Be carbon neutral
  • Paper consumption: -1% (compared with FY2016)
  • Promote introduction of Raku Raku Tetsuzuki
  • Promote 3R/Waste emissions: -0% (compared with FY2016)
  • CO2 emissions: -3.5% (Scope 1+2+3, compared with FY2016)
  • CO2 emissions per employee: -4.2% (Scope 1+2+3, compared with FY2016)
  • Achieved carbon neutral status (sixth time in five consecutive years)
  • Paper consumption: -0.5% (compared with FY2016)
  • Promoted introduction of paperless Raku Raku Tetsuzuki online procedures using tablet in face-to-face sales
  • Promoted 3R/Waste emissions: -40.0% (compared with FY2016)
Self-Assessment
  • CO2 emissions: -1% (Scope 1+2+3, compared with FY2017)
  • CO2 emissions per employee: -1% (Scope 1+2+3, compared with FY2017)
  • Be carbon neutral
  • Paper consumption: -1% (compared with FY2017), promote introduction of Raku Raku Tetsuzuki
  • Promote 3R/Waste
  • emissions: -0% (compared with FY2017)
Protection of Biodiversity through Products and Services
  • Implement Green Gift Project
  • Implement Green Gift Project
  • Preservation of biodiversity through environmental protection activities and environmental awareness-raising activities in Japan and overseas
  • Mangrove Planting Project
  • Implemented Green Gift Project and reduced paper resources by 2,990 tons
  • Conducted biodiversity protection activities in Japan in conjunction with NPOs 197 times, with a total of 13,666 people participating (accumulated total as of March 31, 2018)
  • Conducted mangrove planting (10,550 ha of forested area (accumulated total as of March 31, 2018))
Self-Assessment
  • Green Gift
  • Protect biodiversity through environmental preservation and awareness-raising activities in Japan and overseas
  • Mangrove Planting Project
Prevention of Global Warming by Promoting Development of Clean Energy
  • Provide Mega-Solar Package Program
  • Provide TM Nippon Solar Energy Fund
  • Provide Mega-Solar Package Program
  • Provide TM Nippon Solar Energy Fund
  • Established the Tokio Marine Low-Carbon Japanese Equity Fund
  • Provided Mega-Solar Package Program and Impairment Liability Coverage for Geothermal Power Generation Operators
  • Provide TM Nippon Solar Energy Fund
Self-Assessment
  • Establish the Tokio Marine Low-Carbon Japanese Equity Fund
  • Provide Mega-Solar Package Program, etc.
  • Provide TM Nippon Solar Energy Fund
Building Communities for People to Live with Peace of Mind through Environmental Protection Activities
  • Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes)
  • Total employee participation rate in volunteer activities: 100% (total of three core themes regarding local community and social contribution activities)
  • Hold Green Lessons at schools
  • Children’s Environmental Award
  • Marunouchi Citizens Environmental Forum
  • Total employee participation rate in volunteer activities: 139.4% (attained target for the fourth consecutive year, total participating rate regarding three core themes)
  • Held Green Lessons (792 times, 53,369 children and students (accumulated total as of March 31, 2018))
Self-Assessment
  • Total employee participation rate in volunteer activities: At least 100% (total participating rate regarding three core themes)
  • Hold Green Lessons at schools
  • Hold Children’s Environmental Award

Core Theme 3: Supporting People

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2017 Activities and Numerical Targets Fiscal 2017 Results Self-Assessment Fiscal 2018 Activities and Numerical Targets
Promoting Health and Productivity Management
  • Promoting Health and Productivity Management
  • Percentage taking medical exam: Approx. 100%%
  • Rate of stress test implementation: At least 90%
  • Selected as Health & Productivity Stock for the second consecutive year, strengthened support for customers’ health and productivity management through establishment of Health and Productivity Management Task Force
  • Percentage taking medical exam: 100%
  • Rate of stress test implementation: 97.4%
Self-Assessment
  • Percentage taking medical exam: Approx. 100%
  • Rate of stress test implementation: At least 90%
Developing and Utilizing Divers Human Resources
  • Promote diversity and inclusion
  • Promote diversity and inclusion
  • Promote employment of persons with disabilities (Includes attainment of 2.0% employment rate of persons with disabilities)
  • Promote female empowerment
  • Employment rate of persons with disabilities 2.2% (Japan, as of June 1, 2017)
  • Selected as “Nadeshiko Brand” in fiscal 2017
  • Self-Assessment
  • Promote employment of persons with disabilities (Includes attainment of 2.0% employment rate of persons with disabilities)
  • Promote female empowerment
Building a Society Based on Health and Longevity to Ensure Peace of Mind
  • Corporate value by providing solutions related to health and dwindling population/aging society / Develop and provide products and services to meet dwindling population/aging society and changing population demographics
  • Provide living benefit related products
  • Launched Aruku Hoken
Self-Assessment
  • Develop and provide living benefit related products
Nurturing Generations Responsible for the Future
  • Promote youth development
  • Support to foster young swimmers
  • Support scholarship students through foundations
  • Participate in girls educational support program in developing countries
  • Provided special backing of National JOC Junior Olympic Cup Swimming Tournament
  • Provided scholarships through foundations and supported orphans of traffic accidents and children whose parents died from disease
  • Supported female education in developing countries through international NGO “Room to Read”
  • Self-Assessment
  • Continue supporting youth development, the elderly, persons with disabilities and athletes
  • Promote initiatives for children responsible for the future
Aiming to Create a Symbiotic Society
  • Promote support of the elderly and persons with disabilities
  • Promote enrollment in courses fostering employee supporters of people with dementia, support attainment of Technical Care Helper Certificate
  • Support for the Special Olympics
  • Enhance support for sports by persons with disabilities
  • Support for Japan Deafblind Association, etc
  • Enrollment in courses fostering employee supporters of persons with dementia: 4,649 employees (accumulated total as of March 31, 2018)
  • Held courses supporting attainment of Technical Care Helper Certificate
  • Provided support of Special Olympics (Tokio Marine & Nichido, Safety National)
  • Started support for sports for disabled persons by backing Japan Para-Sports Association and Japan Inclusive Football Federation so as to enable people to learn about, watch and experience sports by disabled persons
  • Supported The Japan Deafblind Association
Self-Assessment
  • Hold courses fostering supporters of persons with dementia (participation of more than 5,000 employees) and courses supporting attainment of Technical Care Helper Certificate
  • Promote initiatives toward holding and the success of 2020 Tokyo Olympic and Paralympic Games
  • Support sports for disabled persons
  • Support The Japan Deafblind Association
Local Community and Social Contribution Activities
  • Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes)
  • Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes)
  • Total employee participation rate in volunteer activities: 139.4% (achieved target for the fourth consecutive year, total participation rate regarding three core themes)
  • Self-Assessment
  • Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes)
  • Hold career education program “Group Work on Managing Risks and Opportunities”

Governance~Strengthening CSR Management

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2017 Activities and Numerical Targets Fiscal 2017 Results Self-Assessment Fiscal 2018 Activities and Numerical Targets
Corporate Governance / Internal Control
  • Foster the sense of CSR in employees and enhance skills
  • Implemented CEO Recognition for CSR award
  • Implemented and selected and awarded winners of the CEO Recognition for CSR award that covers domestic and overseas Group companies
Self-Assessment
  • Enhance Tokio Marine Group CEO Recognition for CSR award
Tokio Marine Group’s Approach to CSR
  • Strengthen CSR communication in the Group
  • Implement CSR Board, CSR Key Persons Conference, etc.
  • Implemented CSR Board (January 2018), CSR Key Persons Conference (July 2017) and strengthened CSR communication in the Group
Self-Assessment
  • Strengthen CSR communication in the Group through the CSR Board, etc.
CSR in the Value Chain
  • Promote utilization of recycled materials
  • Promoted utilization of recycled materials
  • Enhance human rights initiatives
  • Percentage of recycled automobile materials used: 2.59% (Previous fiscal year: 2.84%) (Tokio Marine & Nichido)
  • Conducted research on human rights risk
Self-Assessment
  • Promote the use of recycled automobile materials
  • Enhance human rights initiatives
Stakeholder Engagement
  • Enhance communication with stakeholders
  • Hold CSR Dialogue
  • Held CSR Dialogue (December 2017)
Self-Assessment
  • Enhance communications with stakeholders through CSR Dialogue and other means
Overview of Group CSR Reporting
  • Expand upon CSR and nonfinancial information disclosure
  • Publish and further develop Integrated Report
  • Enhance the contents of Sustainability Report
  • Publish Integrated Annual Report 2017
  • Sustainability Report 2017 to be in accordance with G4 or referenced to G4
  • Published Integrated Annual Report 2017 (August 2017)
  • Sustainability Report 2017 in accordance with G4 or referenced to G4 (September 2017)
Self-Assessment
  • Expand upon CSR and nonfinancial information disclosure
  • Enhance the ESG section of the Integrated Report 2017
  • Sustainability Report 2018 to be in accordance with G4 or referenced to G4

Tokio Marine & Nichido Corporate Value Index

Tokio Marine & Nichido has reevaluated the Tokio Marine & Nichido Corporate Value Index implemented since 2003. From its fiscal 2015 measurements, Tokio Marine & Nichido has made wide-ranging disclosures with the aim of “visualization of the kinds of value it can provide its principal stakeholders (customers, shareholders, investors, agents, employees and local communities).
Tokio Marine & Nichido will use this index in its CSR initiative plan formulation and provide value to all stakeholders to raise the trust of all people and society. By doing so, Tokio Marine & Nichido aims to contribute to continuously raising corporate value and to the creation of social value.

  • ※1
    Automobile insurance
  • ※2
    Non-life insurance companies that submit applications for registration as an agent acting on behalf of the relevant corporation or individual when these corporations or individuals register as a non-life insurance agent in accordance with the Insurance Business Law