Coopkyosai

What Coopkyosai does

Coopkyosai (コープ共済) is a Japanese consumer cooperative federation that provides mutual aid insurance products to members of 358 consumer cooperative societies across Japan. Established on November 5, 2008, following a revision of Japan's Co-op Law, the organization was spun off from the Japan Co-operative Union (JCCU) to specialize in mutual insurance products separately from retail operations. It operates on the principle of mutual aid (共済/kyosai), where member premium contributions (掛金) fund benefits for other members, rather than the conventional insurance profit model. As of June 2026, the federation serves approximately 10 million primary insured members and was rebranded from its original English name JCIF to CO-OP Kyosai in 2021.

The federation's product portfolio spans eight core mutual aid lines: Tasukeai (basic family coverage for injuries, illness, and disasters), Aiplus (life, hospitalization, and cancer coverage), Platinum85 (senior coverage for ages 65+), Zuttoai (lifetime medical and life protection), Gakusei Sogo Kyosai (comprehensive student coverage), Shin AiAi (5-year term life with maturity benefit), Fire and Natural Disaster mutual aid, and My Car mutual aid (offered in cooperation with Kokumin Kyosai Co-op). The organization also provides group insurance products (injury, nursing care, critical illness) to cooperative members at discounted rates. Distribution operates through a multi-channel model: the federation's 358 member cooperative societies serve as the primary distribution channel providing localized service, supplemented by internet enrollment services, a 24/7 online member portal (共済マイページ/My Page) with LINE account login integration, and dedicated call centers including a specialized Senior Support Dial for members aged 70+.

Revenue is generated through monthly mutual aid premiums collected via the cooperative federation structure; the organization is a non-profit consumer cooperative and does not publicly disclose financial figures in the manner of publicly traded insurance companies. The business model is built on community-led go-to-market, with the cooperative ecosystem providing both distribution and governance. Coopkyosai holds the No. 1 position in Japan for children's mutual aid contracts by volume and has been recognized with UNESCO Intangible Cultural Heritage status (2016) for the underlying cooperative philosophy.

Name

Coopkyosai

Legal name

Japan CO-OP Insurance (Kyosai) Consumers' Co-operative Federation

Website

https://coopkyosai.coop

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Coopkyosai is a Japanese non-profit cooperative federation providing mutual aid insurance products to approximately 10 million members through a network of 358 consumer cooperative societies across Japan, offering life, medical, cancer, accident, and property coverage on a subscription premium model.

Ownership category

akta.pro rank

Product category

Mutual Aid Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Health and Welfare Funds (525120)

SIC

Insurance Carriers, Nec (6399), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industries

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Mutual aid insurance
• Consumer cooperative
• Life insurance products
• Medical insurance
• Disaster coverage

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mutual Aid Premiums (共済掛金): CO-OP Kyosai operates as a consumer cooperative federation providing mutual aid insurance products. Members contribute premiums (掛金) which are used to provide mutual aid benefits to other members. Revenue is generated through member premium contributions collected via the network of 358 member cooperative societies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Coopkyosai operates as a federation of 358 consumer cooperative societies across Japan, providing mutual aid insurance (共済) products to cooperative members. The organization offers a portfolio of mutual aid products covering life, hospitalization, cancer, accidents, natural disasters, fire, automobile, and student protection, with premiums collected through member co-ops and benefits paid out to members from the collective pool.

Product overview

Coopkyosai (コープ共済) is a cooperative mutual aid (共済) system offered by the Japan CO-OP Insurance (Kyosai) Consumers' Co-operative Federation, providing a comprehensive portfolio of mutual aid products to members of Japanese consumer cooperatives. The product lineup centers on six core mutual aid products: ＣО・OП共済　たすけあい (basic family coverage), ＣО・OП共済　あいぷらす (life, hospitalization, and cancer coverage), プラチナ85 (senior coverage for ages 65+), ＣО・OП共済　ずっとあい (lifetime medical and life protection), ＣО・OП 学生総合共済 (student comprehensive mutual aid), and ＣО・OП生命共済　新あいあい (5-year term life with maturity benefit), supplemented by 火災共済＋自然災害共済 (fire and natural disaster mutual aid) and マイカー共済 (automobile mutual aid). The system is supported by an online member portal (共済マイページ) enabling 24/7 policy management, claims submission, and account updates. Additionally, Co-op members can access group insurance products (団体保険) including 新コープのからだ保険 (injury insurance), コープの介護保険 (nursing care insurance), and コープの三大疾病保険 (critical illness insurance) at discounted group rates. The federation operates as a federation of 358 member cooperative societies as of June 2026.

Differentiator

Problem solved

Functional benefit

Brands

• たすけあい (Tasukeai): Family basic protection plan - one of the core mutual aid products
• あいぷらす (Aiplus)
• ずっとあい (Zuttoai)
• 学生総合共済 (Gakusei Sogo Kyosai)
• ＣＯ･ＯＰ生命共済 新あいあい (CO-OP Seimei Kyosai Shin Ai-Ai)
• ＣＯ･ＯＰ火災共済 自然災害共済 (CO-OP Kasai Kyosai/Shizen Saigai Kyosai)
• プラチナ85 (Platinum 85)

Products and services

• CO・OP Mutual Aid Tasukeai (たすけあい) Basic mutual aid product providing fundamental coverage for injuries, illness, and disasters for families. The foundational product in the CO-OP Kyosai lineup with customizable coverage options for cooperative members.
• CO・OP Mutual Aid Aiplus (あいぷらす) Comprehensive mutual aid covering life insurance, hospitalization, and cancer protection. Offers enhanced coverage including cancer-specific rider benefits for adults seeking life and medical coverage.
• Platinum85 (プラチナ85) Senior-focused mutual aid product designed for individuals aged 65 and over, providing healthcare and life protection coverage tailored to elderly members' needs.
• CO・OP Mutual Aid Zuttoai (ずっとあい) Lifetime medical and life protection mutual aid offering permanent coverage. Includes lifetime medical and lifetime life protection options for cooperative members.
• CO・OP Student Comprehensive Mutual Aid (学生総合共済) Comprehensive mutual aid for university and technical college students aged 18 and older. Provides coverage specifically designed for students' needs including accident and health protection during their studies.
• CO・OP Life Mutual Aid Shin AiAi (新あいあい) 5-year term life mutual aid with maturity benefit. A savings-oriented life protection product that pays a maturity benefit at the end of the term.
• CO・OP Fire Mutual Aid + Natural Disaster Mutual Aid (火災共済＋自然災害共済) Mutual aid products covering residences and household belongings against fire, flooding, and natural disasters. Includes building and contents protection for homeowners and property owners.
• My Car Mutual Aid (マイカー共済) Automobile mutual aid providing car-related compensation and protection. Offered in cooperation with Kokumin Kyosai Co-op (Zenrosai).
• New Coop Body Insurance (新コープのからだ保険) Group injury insurance product available exclusively to Co-op members at discounted rates through the group insurance program.
• Coop Nursing Care Insurance (コープの介護保険) Group nursing care insurance product available to Co-op members as part of the group insurance offerings.
• Coop Critical Illness Insurance (コープの三大疾病保険) Group critical illness insurance covering three major diseases (cancer, stroke, heart attack) available to Co-op members.
• Co-op Kyosai My Page (共済マイページ) Online member portal allowing policyholders to manage policies, submit claims, check coverage details, update addresses, and process various transactions 24/7, with LINE account login integration.

Quantifiable outcome

• 10 million policyholders reached (June 2026)
• +1 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• 日本障害者スキー連盟 (Japan Paralympic Ski Federation)coreStrategic or Co-development Partner · 1 January 2024Gold Partner contract with Japan Paralympic Ski Federation. CO-OP Kyosai supports para-sports as part of social contribution activities.
• 日本赤十字社 (Japanese Red Cross Society)coreStrategic or Co-development PartnerCollaboration program (タイアップ企画) with Japanese Red Cross Society as part of Life Planning Activities. Joint health promotion initiatives.
• 358 Consumer Cooperative Societies (Member Co-ops)coreChannel Partner/ Reseller/ DistributorCO-OP Kyosai is a federation of 358 consumer cooperative societies. Each member co-op is an independent legal entity that provides mutual aid products to their members alongside other services like retail, medical/nursing services, and student support.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Regional players

• Uniqa Insurance Group: Austria-based mutual insurance group offering life, health, and property/casualty products across Central and Eastern Europe. Comparable as a mutual-cooperative-style insurer with multi-line products and a regional federation-style distribution footprint.
• Achmea: Dutch cooperative insurance group providing health, life, and non-life insurance under a member-owned cooperative structure. Comparable for the cooperative/mutual ownership model and multi-line product portfolio analogous to Coopkyosai's Kyosai lineup.
• Securian Financial: U.S. mutual holding company providing life insurance, annuities, and investment products through a mutual structure analogous to Coopkyosai's cooperative federation model. Comparable for mutual governance and member-ownership economics, though operating in a different regulatory and geographic market.

Broad incumbents

• Meiji Yasuda Life Insurance: One of Japan's largest mutual life insurers, offering life, medical, and retirement products with a broad agency and bank-distribution network. Major incumbent overlapping with Coopkyosai's life and medical mutual aid lines.
• Dai-ichi Life Holdings: Major Japanese life insurance group with broad life, health, and asset-management offerings. Broad incumbent competitor across the same households Coopkyosai serves, though with a commercial rather than cooperative distribution model.
• Sumitomo Life Insurance: Large Japanese mutual life insurer providing life, health, and retirement products through in-house and bank channels. Broad incumbent in the same Japanese household protection market where Coopkyosai competes for life and medical premiums.
• Nippon Life Insurance: Japan's largest mutual life insurer with a comprehensive product portfolio across life, health, and annuity. Broad incumbent offering overlapping life and medical coverage but distributed through professional sales channels rather than cooperative societies.

Direct peers

• JA共済 (JA Kyosai): Mutual aid arm of the Japan Agricultural Cooperatives (JA) group, providing life, building, and automobile mutual aid to farming and rural members nationwide. Directly comparable as a cooperative federation offering multi-line Kyosai products at scale.
• 都道府県民共済: Federation of prefectural citizens' cooperative mutual aid societies across Japan offering low-cost life and medical mutual aid to residents. Closely comparable consumer-facing Kyosai products distributed through regional cooperative networks.
• こくみん共済 coop (Zenrosai): Japan's other major consumer/labor-affiliated cooperative mutual aid federation. Operates the same Kyosai-style mutual aid model with similar life, medical, fire, and auto products, distributed through affiliated unions and cooperatives — the closest direct peer to Coopkyosai.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/coop_kyosai
• YouTubeyoutube.com/channel/UCOugnxwdiY0iovE5rNeaIBg
• Facebookfacebook.com/coopkyosai
• Instagraminstagram.com/coopkyosai

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coopkyosai