Domestic Life Insurance

The domestic life insurance business is one with particularly high growth potential among Group businesses, second to the domestic P&C insurance business. We will accelerate growth by providing products and services of choice to customers. Major products include “Shin Kenko no Omamori”(released in May 2014) and “Shin Kenko no Omamori Heart” (released in April 2015). Both of these products have proved immensely popular among customers, with a combined total of 600,000 applications for these products since their launch.


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.


Launch of Health Service Brand "Linkx"("Link Cross")

Sompo Japan Nipponkoa Himawari Life Insurance sees a health support enterprise that assists customers in improving their health as the natural evolution of a life insurance company. Striving to carry out this evolution, we launched our Linkx (pronounced “link cross”) brand of services, which we supply as a forerunner in providing new value. Linkx embodies our devotion to “broader,more connected, and healthier lives,” and we are deploying products and services based on this sentiment.
As specific measures, we are examining the possibilities of offering revolutionary new products as well as apps and other healthcare-related services.

Launch of a New Health Curation App that Supports Personal Health—"Linkx siru," (Pronounced "Link Cross siru") an App Available via Download by Anyone, Free of Charge (October 2016)

Linkx siru (pronounced “Link Cross siru”) is a curation app that distributes optimal health-focused articles to customers. The app does so by identifying and learning patterns in the articles read by customers through the latest analysis technology.
The app uses cutting-edge ICT to distribute health-related information tailored to the needs of each customer according to the articles he or she reads, thereby helping customers to comfortably and enjoyably maintain good health as they see fit. The more it is used, the more it will evolve into a highly personalized app that is the only one of its kind in the world.

Launched Linkx coins, a New Insurance Product Focused on Advanced Medical Treatment and Organ Transplantation, Available for a Monthly Premium of ¥500 (September 2016)

On September 20, 2016, Sompo Japan Nipponkoa Himawari Life Insurance, Inc. launched Linkx coins (“Link cross coins”; official name: insurance for advanced medical treatment with organ transplantation medical treatment benefit), an online-only product that customers can enroll in for a monthly premium of ¥500.
Linkx coins is an insurance product that focuses on covering conditions that put the greatest financial burden on the insured when undergoing treatment. This is achieved by narrowing down the insurance protection needed for the treatment of unexpected medical conditions to a bare minimum. If the insured receives care involving advanced medical treatment, Linkx coins will pay an advanced medical treatment benefit and make a one-time advanced medical treatment payment. If the insured undergoes a designated organ transplantation, Linkx coins will pay an organ transplantation medical treatment benefit. Linkx coins is the first insurance product to be released under the Linkx (“Link cross”) health service brand developed by Sompo Japan Nipponkoa Himawari Life.

Alliance with DeSC Healthcare(July 2016)

Sompo Japan Nipponkoa Himawari Life Insurance formed a business alliance with DeSC Healthcare, Inc., through which it will develop healthtech* services that utilize IT. DeSC Healthcare provides the KenCoM health management Internet service for participants in health insurance groups and also constructs and operates digital health service platforms based on KenCoM.

  • Healthtech is a portmanteau of “health” and “technology” that originated in the United States. Such technology employs daily life log data collected through smartphones or wearable terminals to assist in health improvement.

Launch of Initiative Promoting Healthier Lifestyles (May 2016)

Sompo Japan Nipponkoa Himawari Life Insurance, Inc. has partnered with Fitbit Inc. to launch an initiative that will help employees and customers lead healthier and more active lifestyles. To kick things off, wearable devices for gathering various biometric data were distributed to Himawari employees in May 2016. The data collected will be used to promote healthier lifestyles among the employees, and as a reference for developing various products and services in the future. In the subsequent stages, Himawari will collaborate with its employee health insurance association to analyze the data and clarify the causal relationships between illnesses and lifestyle habits. The goal will be to develop innovative new products and services from the data.

  • Fitbit, based in the U.S., has sold more than 30 million wearable devices for measuring biometric data in 55 countries, along with the health-related services it provides.

chargeHR, a wearable device made by Fitbit Inc.

Group Companies

Sompo Japan Nipponkoa Himawari Life Insurance, Inc.

A life insurance company that offers advanced products and services as the growth engine of the Group.