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and prevention, as the uptake of earthquake insurance coverage nationwide remains Life insurers in Japan are particularly keen on encouraging policyholders to live a healthier,
relatively modest and leaves room for further improvement as to assuage the future fuller life by providing incentives to lower premiums as they change their lifestyles for the
impact of major earthquakes. better. Some examples of services offered by life insurers in Japan include smartphone
Another defining feature of Japan is the world’s most aging population with a low apps that enable tracking your health, as well as giving advice for healthier living. Having
birthrate. This leads to the possibility of increasing the need for medical and long-term said that, it is crucial to continue to proactively reach out to the public with the right tools
care protection, and is an inevitable demographic issue that at some point every country and information focusing on enhancing education that encourages people to engage in
needs to confront as it advances economically. healthier living.
Japan, of course, has arrived at this point a lot earlier than most countries, and has plenty When all said and done, the key to addressing protection gaps lies in properly
to offer in terms of experience and expertise full of empirical advice. The Japanese understanding and practicing “prevention,” “protection” and “preparedness,” as the LIAJ
system is based on universal health care coverage provided by the government, as considers these as the main attributes that constitute our “Three Ps Concept” underlying
additional health care coverage is supplemented by private coverage. In line with how the foundation and role of insurance in society. This will enable the public and private
this Japanese system works, one notable effort especially taken rigorously among public sectors to work closely to reach a viable solution addressing protection gaps that benefits
and private sectors is promoting healthy living as a form of prevention. the society as a whole.