发布时间：2008.3

摘要

Countries covered: Japan

The Japanese Insurance Industry Report provides insightful analysis, market overview, industry structure and outlook of life and non-life/ general insurance industries in the region. Richly laden with quantitative analysis, the report provides the reader with a rudimentary preface to the Japanese insurance industry. A synopsized discussion offers preludes to reinsurance and other insurance markets within the non-life insurance sector, such as health, automobile, property, fire, accident, catastrophe and pet insurance. The closely summarized Japanese market report is designed to offer a broad, macro level picture of trends, regulatory/legislative environment, insurance associations; and recent mergers & acquisitions, and strategic corporate developments witnessed by the industry. Also provided is a compilation of recent past/ historical perspective of the country’s insurance market, corporate developments, and market facts & figures of the industry. The report examines the leading companies’ footing in insurance markets at regional level, along with their annual written premiums and/ or market shares. Regional key and niche players briefly discussed and abstracted in the report include Asahi Mutual Life Insurance, Dai -ichi Mutual Life Insurance, Meiji Yasuda Life Insurance, Millea Holdings, Inc., Tokio Marine & Nichido Fire Insurance Co., Ltd., Mitsui Sumitomo Insurance Company, Ltd., Nippon Life Insurance Co., Sompo Japan Insurance Inc., and Sumitomo Life Insurance.

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目录及图表

1. Industry Review

Japan - A Leading Insurance Market Worldwide

Table 1: Japanese Recent Past, Current & Future Analysis for

Insurance Industry by Segment - Life and Non- Life Markets

Independently Analyzed with Annual Premiums in US$ Billion

for Fiscal Years 2005 through 2010 (includes corresponding

Graph/Chart)

Table 2: Japanese 6-Year Perspective for Insurance Industry

by Segment - Percentage Breakdown of Premiums for Life and

Non-Life Markets for 2005, 2008, and 2010 (includes

corresponding Graph/Chart)

Table 3: Japanese Insurance Industry (2006): Per Capita

Premium in US$, and Penetration of Insurance by Category -

Life and Non-Life

Japanese Insurance Industry - An Overview

Non-Payment Issues Hit the Japanese Life Insurance Industry

Foreigners Reign

IT Spend - An Ascent to Efficiency

Table 4: Japanese Insurance Industry (2005-2010): Total

Insurance IT Expenditure in US$ Billion For Life and Non-Life

Insurance (includes corresponding Graph/Chart)

Amendments to IBL: A Review

De Mutualizing of Insurance Companies: Demoralizing Consumer Interests?

Japanese Insurance Industry: Developments in the Recent Past

Japan’s Favoritism to Kampo Met with Hot Opposition

Sluggish Japanese Economy Lags Growth in the Insurance Market - A Late 90’s Scenario

Deregulation of the Insurance Industry: Flagged off in the Year 1996

Deregulation Shakes Up the Laxity in the Market

2. Japan’s Insurance Sector: A Mid 90’s Review

Slow Claims Paying Method: Performance Restraint of the 90’s

Leading Japanese Insurers Worldwide - Mid 90s (Assets in ¥ Billion)

Japan in Comparison with Other Leaders (Based on General Premium Income)

Japanese Non-Bank Financial Firms Among the 1,000 Largest Companies Worldwide

Estimated Problem Loans of Japanese Financial }

Institutions: Mid-90s (¥ Trillion)

Table 5: Problem Loans for Japanese Financial Institutions

- A Mid 90’s Scenario (includes corresponding Graph/Chart)

3. Review of Major Insurance Sectors

3a. Life Insurance

Recovery: Hope or Hype?

Challenges Facing Japanese Life Insurance Sector

Foreign Players Eye the Takeover of Domestic Life Insurers

Deregulation Shakes the Market Lull

Table 6: Japanese Life Insurance Market (FY2005-FY2007E):

Percentage Breakdown of Total Premium Income by Category for

Individual Insurance, Individual Annuity, Group Insurance,

Group Annuity, and Others (includes corresponding

Graph/Chart)

Table 7: Japanese Life Insurance Industry (FY2000-FY2006):

Total Assets By Value in ¥ Billion (includes corresponding

Graph/Chart)

Table 8: Japanese Life Insurance Industry (FY2005 & FY2006):

Total Business in Force (In ¥ Billion) by Individual

Insurance, Individual Annuity, Group Insurance, and Group

Annuity (includes corresponding Graph/Chart)

Table 9: Japanese Business in Force Life Insurance Market

(2004): Percentage Breakdown of Insurance Policy Types By

Number and Value for Whole Life, Whole Life-with-Term,

Adjustable Interest Rate Funding Whole Life, Term,

Endowment, Endowment- with-Term, Variable, and Others

(includes corresponding Graph/Chart)

Table 10: Japanese Life Insurance Industry (2000 - 2004

Historic Data):Total New Business (In ¥ Billion) By

Individual Insurance, Individual Annuity, and Group

Insurance (includes corresponding Graph/Chart)

Table 11: Japanese New Business Life Insurance Market

(2004): Percentage Breakdown of Insurance Policy Types By

Number and Value for Whole Life, Whole Life-with-Term,

Adjustable Interest Rate Funding Whole Life, Term,

Endowment, Endowment-with- Term, Variable, and Others

(includes corresponding Graph/Chart)

Table 12: Japanese Life Insurance Industry (FY2005 &

FY2006): Total Payments in ¥ Billion by Benefits, Annuity,

Repayments, and Others (includes corresponding Graph/Chart)

Table 13: Japanese Life Insurance Industry (2001-2004):

Total Payments in ¥ Billion By Benefits, Annuity,

Repayments, and Others (includes corresponding Graph/Chart)

Structure of the Life Insurance Industry

2002-2003: Market Leaders

Table 14: Japanese Life Insurance Industry (2003): Gross

Written Premium in US$ Billion by Leading Companies for

Nippon, Dai-ichi, Meiji Yasuda, Sumitomo, ALICO Japan,

Daido, Mitsui, American Family, Taiyo, and Fukoku (includes

corresponding Graph/Chart)

Table 15: Top-Five Players in the Japanese Life Insurance

Market (2002) - Gross Written Premiums in US$ Million for

Nippon, Dai-Ichi, Sumitomo, Meiji, and Yasuda (includes

corresponding Graph/Chart)

3b. Health Insurance

Personal Health Insurance is the Mainstay

Medical Insurance - A Sunrise Opportunity?

Medical Expenditure: Spiraling Up

Medical Expenditures in Japan: 2000 - 2025

Table 16: Health Insurance Market Size in Japan (*): 2000 &

2005 (¥ Trillion) (includes corresponding Graph/Chart)

High-Risk Medicare Boosts Private Medical Insurance

Table 17: Rising Popularity of Disease Specific Riders in

Japan (2003-2004) (includes corresponding Graph/Chart)

3c. General/Non-Life Insurance

Market Overview

Table 18: Japanese General Insurance Industry

(FY2005-FY2007E): Percentage Breakdown of Direct Premiums by

Category for Automobile (Voluntary), Fire, Personal

Accident, Automobile (Compulsory), and Miscellaneous

(includes corresponding Graph/Chart)

Table 19: Japanese General Insurance Industry

(FY2005-FY2007E): Percentage Breakdown of Net Premiums by

Category for Automobile (Voluntary), Automobile

(Compulsory), Fire, Personal Accident, and Miscellaneous

(includes corresponding Graph/Chart)

Table 20: Japanese General/Non-Life Insurance Companies -

Key Statistics (FY2005)

Table 21: Japanese Market for General/Non-Life Insurance

(2005): Direct Claims in Billion Yen, and Percentage

Breakdown by Business Segment - Compulsory Automobile

Liability, Fire, Marine & Inland Transit, Personal Accident,

Voluntary Automobile, and Miscellaneous Casualty (includes

corresponding Graph/Chart)

Table 22: Japanese Market for General/Non-Life Insurance

(2004): Percentage Value Breakdown of Net Premium by Segment

- Auto (Compulsory, Voluntary), Fire, Miscellaneous

Casualty, Personal Accident and Marine & Inland Transit

(includes corresponding Graph/Chart)

Tokio Leads the Pack

Table 23: Leading Players in Japanese Non-Life Insurance

Market (2004): Percentage Market Share by Company - Aioi

Insurance, Fuji Fire & Marine, Kyoei, Mitsui Sumitomo,

Nipponkoa, Nissay Dowa, Nisshin Fire & Marine, Sompo Japan,

Tokio Marine Nichido, and Others(includes corresponding

Graph/Chart)

Table 24: Japanese Non-Life Insurance Industry (2003):

Gross Written Premium in US$ Billion by Leading Companies

for Tokio, Mitsui Sumitomo, Sompo Japan, Aioi, Nippon Koa,

Nichido, Nissay Dowa, Fuji, AIU, and Kyoei (includes

corresponding Graph/Chart)

Classification of Foreign Non-Life Insurance Firms

Investment Framework

Distribution

Table 25: Japanese General/Non-Life Insurance Market (2005):

Percentage Breakdown of Direct Premium Generation by

Distribution Channel - Agents, Brokers, and Direct

Distribution(includes corresponding Graph/Chart)

Table 26: Japanese General/Non-Life Insurance Market: Total

Direct Premiums Collected by Distribution Channel

(2001-2002) in Million Yen

Automobile Insurance in Japan

Property Insurance

Fire Insurance

Personal Accident Insurance

Catastrophe Insurance

Disaster Claims: Running Heavy on the Industry

Table 27: Catastrophe Insurance Market in Japan: Disaster

Claims Paid in Million Yen for 2005

Earthquake Insurance

Table 28: Japanese General/Non-Life Insurance Market:

Claims Paid under Earthquake Insurance on Dwelling Risks

(In Billion Yen) (includes corresponding Graph/Chart)

Division of Earthquake Insurance

Residential Risks

Industrial risks

Effect of Kobe Earthquake

Other Insurance Sectors

“Third Sector” in Japan

Savings Type Insurance Market

3d. Pet Insurance

3e. Reinsurance

Table 29: Japanese Reinsurance Industry: Leading

Catastrophic Losses Caused by Floods or Windstorm During

1955-2004 By Number of Casualties and Property Damaged (In

Million) (includes corresponding Graph/Chart)

Table 30: Japanese Reinsurance Market: Top Ten Earthquake

Losses During 1955-2004 By Number of Casualties and Property

Damaged (includes corresponding Graph/Chart)

Table 31: Japanese Reinsurance Market: Leading Disasters by

Total Claims Paid in ¥ Billion for Fire, Automobile, and

Marine Sectors (1990-2004) (includes corresponding

Graph/Chart)

Table 32: Japanese Reinsurance Market: Leading Earthquakes by

Total Claims Paid in ¥ Billion (1990-2004) (includes

corresponding Graph/Chart)

4. Facts & Figures - A Snapshot of the Japanese Insurance

Industry in Recent Past

Table 33: Top-Five Players in the Japanese Non-Life Insurance

Market (2002) - Gross Written Premiums in US$ Million for Tokio

Marine, Sompo Japan, Mitsui Sumitomo, NipponKoa, and Aioi

(includes corresponding Graph/Chart)

Table 34: Japanese General/Non-Life Insurance Companies - Key

Statistics (2002)

Table 35: Japanese General/Non-Life Insurance Market: Net

Premiums by Category (2001-2002) in Million Yen (includes

corresponding Graph/Chart)

Table 36: Japanese General/Non-Life Insurance Market: Total

Direct Premiums of Foreign General Insurance Firms by Category

(2001-2002) in Million Yen (includes corresponding

Graph/Chart)

Table 37: Japanese General/Non-Life Insurance Market: Direct

Claims Paid (2001-2002) by Category in Million Yen (includes

corresponding Graph/Chart)

Table 38: Direct Premiums Written Abroad by Japanese

General/Non-Life Insurers (in Million Yen) for 2001 & 2002

(includes corresponding Graph/Chart)

Table 39: Japanese Automobile Insurance Market: Direct Claims

Paid Out by Insurers: 1995-2002 (In ¥ Billion) (includes

corresponding Graph/Chart)

Table 40: Ownership of Voluntary Automobile Insurance in Japan

(1999-2001)

Performance Indicators of Insurers: 2000

Table 41: Leading Japanese Non-Life Insurers’ Performance

Indicators: 2000 (¥ Billion) (includes corresponding Graph/

Chart)

Disaster Claims

Table 42: Japanese General/Non-Life Insurance Market: Claims

Paid for Typhoon or Windstorm (In Billion Yen) (includes

corresponding Graph/Chart)

Table 43: Japanese Fire Insurance Market: Direct Claims Paid

Out by Fire Insurers: 1995-2002 (In ¥ Billion) (includes

corresponding Graph/Chart)

Table 44: Key Personal Accident Insurers in Japan by Net

Premiums Written: 2000 (In ¥ Billion) (includes corresponding

Graph/Chart)

Table 45: Japanese Personal Accident Insurance Market: Direct

Claims Paid Out by Insurers: 1995-2002 (In ¥ Billion)

(includes corresponding Graph/Chart)

5. Regulatory/Legislative Environment

General Supervision

Accounting Practices

New Pension Scheme

6. Role of Insurance Associations in the Japanese Insurance Industry

Marine and Fire Insurance Association of Japan, Inc

Major Activities

General Insurance Association of Japan

Information Services

Disaster Prevention and Traffic Safety Promotion

Prevention of Social Problems

International Activities

Activities for Development of Confidence

Preservation of Environment & Promote NPO Activities

Requests and Proposals

International Association of Insurance Supervisors

Organization for Economic Co-operation and Development

International Meeting of Insurance Associations

International Union of Marine Insurance

East Asian Insurance Congress

7. Product Launch

Euler Hermes to Launch Export Credit Insurance in Japan

8. Product Launches in the Past

Tokio Marine and Fire Insurance Co. Launches Two Products

Mitsubishi Enters into Weather Related Insurance Coverage

9. Recent Industry Activity

Japan Post to Distribute Aflac Japan’s Cancer Insurance Product

AEGON and Sony Life to Set-Up a New Life Insurance Company

Millea Enters into Partnership with JP Morgan

Millea Holdings to Take Over Nisshin Fire & Marine Insurance

American International Group’s Japan Units to Merge

AIG in Alliance with Bank of Tokyo

Rakuten to Enter Non-Life Insurance Business

Tokio Marine in Alliance with Nisshin Fire

Mitsui Sumitomo Insurance to Acquire Mingtai Fire & Marine Insurance

Tokio Marine to Acquire One-Fourth Shares in Tianan Insurance

Euler Hermes to Launch Export Credit Insurance in Japan

Japan’s Regulatory Panel to Recommend New Policy on Child Care

AIU to Tap Japanese Trade Insurance Market

AIG to Acquire Insurance Portfolio of the Royal & Sun

10. Strategic Developments in the Past

Yasuda Fire and Marine Insurance Co. and Nissan Fire and

Marine Insurance Co. Merge

Prudential Acquires Orico Life Insurance

Mass Mutual Acquires Aetna Heiwa Life Insurance

Daido Life and Taiyo Mutual Take Over Tokyo Mutual Life

Prudential Insurance Acquires Kyoei Life Insurance

JLT, FinTech Form Capital Risk Joint Venture

Heiwa Opens Captive Insurer in Hawaii

Aquila Signs Agreement with Mitsui Marine and Fire Insurance

Cigna Divests Stake in Yasuda Kasai Himawari Life Insurance

11. Focus on Select Japanese Players

Asahi Mutual Life Insurance

Dai -ichi Mutual Life Insurance

Meiji Yasuda Life Insurance - Leading Life Insurer in Japan

Millea Holdings, Inc.

Tokio Marine & Nichido Fire Insurance Co., Ltd

Mitsui Sumitomo Insurance Company, Ltd.

Nippon Life Insurance Co. - Largest Japanese Life Insurer.

Sompo Japan Insurance Inc.

Sumitomo Life Insurance