1. Strengthening natural disaster response capabilities
a. Strengthening preparedness for major earthquakes
To ensure prompt and appropriate insurance claim payments in the event of a super large-scale earthquake, such as a Tokyo Inland Earthquake and/or a Nankai Trough Earthquake, GIAJ will work to convert the damage status report (self-report) system, which has to date been conducted by paper and mail, to an online system. GIAJ will aim to complete its development during this fiscal year. In light of the Noto Peninsula Earthquake, new issues have been identified, such as the difficulty of on-site inspections due to the disruption of roads, etc.
GIAJ will examine the issues in assessing earthquake insurance losses and consider the necessary measures. On the occasion of the 30th anniversary of the Great Hanshin-Awaji Earthquake (Kobe Earthquake), GIAJ will pass on the memories and experiences of the disaster to future generations and implement a plan to convey the importance of preparedness.
b. Trouble prevention measures related to unscrupulous companies that take advantage of natural disasters
Because there remain problems with unscrupulous companies soliciting victims of natural disasters and charging them high fees and/or cancelation fees for home repairs, etc., GIAJ will continue to raise awareness about the prevention of problems in cooperation with relevant organisations such as the police and consumer affairs bureaus, and the Independent Insurance Agents of Japan, etc. GIAJ will continue to support appropriate insurance claim payments through the use of fraudulent claim prevention systems (operated by the GIAJ) and other means.
2. Improving convenience through promotion of digitalisation
a. Digitalisation of CALI (Compulsory Automobile Liability Insurance)
The development of ”One-JIBAI (CALI)”, an industry-wide joint system, is underway, to be launched by the end of this fiscal year (next March). The system will improve convenience for customers by making the transfer and cancelation of insurance policies paperless and the payment of premiums cashless, and also improve the efficiency of the industry as a whole by enabling policy administration. To further promote appropriate claim adjustment operations, GIAJ has begun the development of a system that digitises and shares insurance claim-related documents, and conducts investigation and settlement processing without paper.
b. Digitisation of educational texts for general examination for general insurance solicitors
GIAJ will establish an environment in which educational texts for the General Examination for General Insurance Solicitors can be viewed on PCs, tablets, and smartphones to improve convenience and learning effectiveness for examinees and promote paperless initiatives, too.
3. Improving literacy towards general insurance
a. Enhancing the dissemination and understanding of general insurance
GIAJ will engage in awareness-raising activities on water damage compensation based on an appropriate recognition of their own water damage risks, such as flooding due to river overflows, landslides, and inundation due to inland flooding. To ensure that small and medium-sized enterprises (SMEs) are properly prepared for business risks, GIAJ will conduct a survey on SMEs' risk awareness and countermeasures, and engage in dissemination and enlightenment activities in cooperation with the Independent Insurance Agents of Japan and the local Ministry of Economy, Trade and Industry bureaus throughout Japan.
b. Strengthening cooperation with the life insurance industry
In cooperation with the Life Insurance Association of Japan and the Japan Institute of Life Insurance, with which GIAJ signed a "Comprehensive Collaborative Agreement on Insurance Education" last November, the general insurers’ body will expand seminars for junior high and high school teachers of home economics, social studies, and civics to deepen their understanding of private insurance, and create educational materials for private insurance education.
4. Other initiatives
Furthermore, GIAJ will steadily promote the following initiatives, which are indispensable to fulfil the GIAJ’s objectives:
- Operation of the General Insurance Counselling and ADR Centre
- Various requests and recommendations
- Responses to international standards
- Support to and cooperation with other economies in Asia
- Promotion of disaster prevention education
- Catastrophe loss reserve system
- Raising awareness of traffic accident prevention
- Donation of light fire trucks
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