MICIN Insurance

What MICIN Insurance does

MICIN Insurance (MICIN少額短期保険株式会社) is a Japan-licensed small-amount short-term insurance carrier founded in 2021 and headquartered in Otemachi, Japan, with 51–100 employees. The company operates a niche insurance business exclusively serving cancer survivors, addressing a structural coverage gap: traditional Japanese insurers typically require 5–10 years cancer-free status before underwriting, while the first decade post-treatment represents the highest-risk recurrence window. MICIN accepts applications from stage 0–2 cancer survivors beginning 6 months after surgery, offering an 800,000 yen lump-sum payment upon recurrence or new cancer diagnosis, with renewable coverage until age 80.

The product portfolio consists of four core insurance products: a women's cancer survivor policy (breast, cervical, uterine, ovarian), a colorectal cancer survivor policy, a gastric cancer survivor policy, and a relaxed-type hospitalization protection product. The company operates a direct-to-consumer distribution model via its website (micin-insurance.jp), supplemented by hospital-distributed brochures, partnerships with cancer survivor support organizations (Patient Household Support Association, Peer Ring, Cancergift.co), and a content/community platform ("With Mi") that publishes educational articles, patient testimonials, expert columns, and event information. The company maintains active social media presence across Facebook, Twitter/X, Instagram, YouTube, and LINE.

Revenue is generated through monthly insurance premiums on subscription-based policies. Pricing is not publicly disclosed but is determined by product type, applicant age, and cancer history, with applications subject to a review process. The company is privately held with no disclosed venture or growth equity funding rounds, operates only within Japan, and is led by Representative Director Sasamoto (笹本). There is no disclosed use of artificial intelligence or proprietary technology platforms; the business is structured as a regulated insurance carrier operating in a regulatory category (少額短期保険) that allows specialized underwriting for underserved segments.

Name

MICIN Insurance

Legal name

MICIN少額短期保険株式会社

Website

https://micin-insurance.jp

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

MICIN Insurance is a Japan-licensed small-amount short-term insurer that provides specialized cancer insurance exclusively for cancer survivors, accepting applications 6 months post-surgery and paying an 800,000 yen lump sum upon recurrence or new cancer diagnosis.

Ownership category

akta.pro rank

Product category

Specialty Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industry

Standalone Critical Illness Insurance (FSAIAKAA)

Keywords

• Cancer survivor insurance
• Small-amount short-term insurance
• Cancer recurrence coverage
• Specialty health insurance
• Oncology insurance products

Headquarters

HQ city

Otemachi

HQ country

Japan

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: MICIN Insurance generates revenue through insurance premiums from its small-amount short-term insurance products (少額短期保険). These are specialized cancer insurance products for cancer survivors, with coverage and premiums structured according to the insurance type selected.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

MICIN Insurance is a Japanese small-amount short-term insurance provider (少額短期保険) that exclusively serves cancer survivors. It underwrites specialized cancer insurance products covering breast, cervical, uterine, ovarian, colorectal, and gastric cancer survivors, allowing enrollment as early as six months after surgery and paying an 800,000 yen lump sum upon recurrence or new cancer diagnosis. The company also offers a relaxed-type hospitalization coverage product for cancer survivors preparing for injury or illness.

Product overview

MICIN Insurance (MICIN少額短期保険株式会社) offers a specialized portfolio of small-amount short-term insurance products exclusively for cancer survivors. The product lineup consists of four core insurance products targeting specific cancer types: (1) Insurance for women who experienced breast cancer, cervical cancer, endometrial cancer, or ovarian cancer; (2) Insurance for colorectal cancer survivors; (3) Insurance for stomach cancer survivors; and (4) A new relaxed-type hospitalization protection insurance for cancer survivors. All products allow enrollment 6 months after surgery and provide lump-sum payments upon cancer recurrence or new cancer diagnosis, addressing the gap in coverage that cancer survivors typically face when seeking traditional insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Women's Cancer Survivor Insurance (Breast, Cervical, Endometrial, and Ovarian Cancer) (がんを経験した女性を支えるがん保険) Insurance for women who have experienced breast cancer, cervical cancer, endometrial (uterine body) cancer, or ovarian cancer. Eligible applicants are aged 20-69 with Stage 0-2 cancer history who are cancer-free 6 months post-surgery. Provides an 800,000 yen lump-sum payment upon cancer recurrence or new cancer diagnosis.
• Colorectal Cancer Survivor Insurance (大腸がんを経験した人を支えるがん保険) Insurance product for individuals who have experienced colorectal cancer (colon and rectal cancer). Provides a lump-sum payment upon cancer recurrence or new cancer diagnosis for eligible survivors.
• Gastric Cancer Survivor Insurance (胃がんを経験した人を支えるがん保険) Insurance product for individuals who have experienced gastric (stomach) cancer. Provides a lump-sum payment upon cancer recurrence or new cancer diagnosis for eligible survivors.
• New Relaxed-Type Insurance: Hospitalization Protection for Cancer Survivors (新緩和型保険 がんと向き合うための入院保障) Relaxed-type hospitalization insurance for cancer survivors that provides hospitalization benefits in the event of injury or illness, including coverage beyond cancer-related care.

Quantifiable outcome

• 80,000 yen monthly treatment cost coverage for approximately 9-16 months with 800,000 yen lump-sum payment (assuming high-cost medical system coverage of 80,000-90,000 yen/month for 70 years old with average income)

Named customers2 records

Segments3 records

Ideal customer profiles3 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 and minor.

• Patient Household Support Association (患者家計サポート協会)coreGTM or Marketing PartnerCo-organizer of events and workshops for cancer survivors. The association provides expertise in financial planning for cancer patients and co-hosts workshops with MICIN on topics like financial preparedness for cancer recurrence.
• Peer Ring (ピアリング)minorGTM or Marketing PartnerCancer survivor peer support community for women with female-specific cancers. Co-organizes beauty care forums and community events with MICIN.
• Cancergift.cominorGTM or Marketing PartnerCancer support organization co-organizing events and workshops for cancer survivors alongside MICIN.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Tokio Marine & Nichido (東京海上日動): Japan's largest property and casualty insurer, offering a broad portfolio of health and cancer insurance products through agents. Comparable to MICIN as a cancer insurance provider in the Japanese market, but with vastly larger capital, traditional distribution, and a wider product range beyond the cancer-survivor niche.
• Aflac Japan (Aflac Incorporated, Japan Branch): Japan's dominant cancer and medical insurance carrier, with a multi-decade franchise built around cancer insurance products sold through traditional agent channels. Comparable to MICIN as a cancer-insurance specialist, but operates at vastly larger scale, through intermediated distribution, and with broader product scope.
• Sompo Japan Insurance (損保ジャパン): Major Japanese P&C insurer offering health, cancer, and accident insurance products through established agent networks. Comparable to MICIN as a Japanese cancer insurance competitor, with substantially greater scale and distribution reach but a less focused product proposition for cancer survivors.

Direct peers

• Hoken-no-Madoguchi (保険見直し本舗 / 保険の窓口): Japan's largest chain of insurance consultation shops, acting as a multi-carrier broker for life and health insurance products including cancer coverage. Comparable to MICIN as a customer-acquisition channel in the Japanese cancer insurance market, but with a fundamentally different intermediated, advisory-based model.
• Lifenet Insurance (ライフネット生命保険): Japanese online direct-to-consumer life insurance company with a similar mission of simplifying insurance through digital channels and transparent pricing. Comparable to MICIN in the DTC distribution model and target on underserved, digitally-engaged customers, though Lifenet sells standard life insurance rather than cancer-survivor specialty products.
• SBI Insurance (SBI損保): Online direct-to-consumer insurance company within the SBI Group, offering simplified, lower-premium insurance products in Japan. Comparable to MICIN in the digital-first distribution model and target on customers underserved by traditional insurers, though SBI's product set spans auto, fire, and travel rather than cancer specialty.
• Rakuten Insurance (楽天損害保険 / 楽天生命): Online direct-to-consumer insurance arm of Rakuten Group, leveraging the Rakuten ecosystem for customer acquisition. Comparable to MICIN in the digital-first distribution and target on convenience-oriented customers, though Rakuten's product line is broader and its user base is not specifically cancer survivors.

Others

• Maggie's (cancer support centers, including Maggie's Tokyo): UK-origin international network of cancer support centers, including Maggie's Tokyo (MICIN's partner). Comparable to MICIN as a touchpoint in the cancer survivor community and a referral channel, but operates as a non-profit support service rather than a financial product provider.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/MICIN_Insurance
• YouTubeyoutube.com/@micin8378/featured
• Facebookfacebook.com/100690032341424
• Instagraminstagram.com/micin_insurance01

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 MICIN Insurance