(株) 損保ジャパン日本興亜

What (株) 損保ジャパン日本興亜 does

Sompo Japan Nipponkoa Online Insurance Agency operates the website sompo-japan-co.jp as a direct-to-consumer internet insurance distribution platform, sold by Rise Consulting Corporation (ライズコンサルティング), a licensed insurance agency (保険取扱代理店) founded in 2004 and headquartered in Nihonbashi, Tokyo. The platform distributes two products underwritten exclusively by Sompo Japan Nipponkoa: (1) overseas travel insurance "off!" — a customizable per-trip policy with day-by-day and destination-based pricing, 24-hour Japanese-language medical assistance, and a cashless treatment service at partner hospitals; and (2) motorcycle compulsory liability insurance (i自賠責) for vehicles up to 250cc, available in 1-5 year terms. The agency's business model is internet-only direct distribution, eliminating agent commissions, physical sales offices, and paper processing to deliver 40-55% premium discounts versus equivalent retail travel insurance products (e.g., Thailand 5-night trip priced at 3,510 yen online vs. 6,760 yen at retail).

The technical platform is a standard web-based insurance sales portal with credit card payment processing, contract completion in minutes, and a 24/7 purchase window from 45 days before departure through the departure day. Service infrastructure is delivered through strategic partnerships with Japan Emergency Assistance and Wellbeing (operating the Japanese-language medical helpline) and Prestige International (travel support services), collectively providing medical, interpretation, and evacuation coverage across 190+ countries. The reported customer satisfaction metrics are 96% price satisfaction, 97% product satisfaction, and 93% stated intent to repurchase.

The agency operates from a small team of approximately 5 employees and generates revenue through commissions on underwritten premiums. Customer concentration is heavily diversified across individual consumers, but the business carries complete dependence on a single carrier (Sompo Japan Nipponkoa) for both product supply and regulatory underwriting authority. No AI/ML capabilities, funding events, M&A activity, or material hiring signals are disclosed.

Name

(株) 損保ジャパン日本興亜

Legal name

株式会社ライズコンサルティング

Website

https://sompo-japan-co.jp

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Sompo Japan Nipponkoa Online Insurance Agency is a Japanese direct-to-consumer internet insurance distributor operating as Rise Consulting Corporation, selling internet-only overseas travel insurance and motorcycle compulsory liability policies underwritten by Sompo Japan Nipponkoa.

Ownership category

akta.pro rank

Product category

Travel and Vehicle Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB)

Keywords

• Overseas travel insurance
• Motorcycle liability insurance
• Online insurance agency
• Direct-to-consumer insurance
• Insurance underwriting

Headquarters

HQ city

Tokyo (Nakano-ku)

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Overseas Travel Insurance Premiums: One-time insurance premiums collected at policy purchase. Pricing is based on travel destination, duration, and selected coverage options. Customers can customize coverage including treatment costs, injury/death benefits, liability, personal belongings, and flight-related coverage.
2. Motorcycle Compulsory Liability Insurance (i自賠): Mandatory third-party liability insurance for motorcycles. Premiums vary by engine displacement (under 125cc vs 125cc-250cc) and coverage period (1-5 years). Government-mandated pricing with uniform rates across all insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

The company provides two online-direct insurance products: "Overseas Travel Insurance off!" which delivers customizable travel insurance coverage with 24/7 Japanese-language support and cashless medical treatment abroad at up to 40% lower premiums than comparable policies, and "Motorcycle Compulsory Liability Insurance" sold exclusively online at discounts of up to 55%. Both products are sold through the internet-only insurance agency operated by Rise Consulting Corporation under the Sompo Japan Nipponkoa brand.

Product overview

損保ジャパン日本興亜株式会社 offers two main internet-based insurance products: (1) 新・海外旅行保険【off!（オフ）】, an internet-exclusive travel insurance with customizable coverage and up to 55% savings, featuring 24-hour Japanese medical assistance and cashless treatment; and (2) バイク自賠責保険（i自賠）, an online motorcycle compulsory liability insurance for vehicles up to 250cc with 1-5 year policy terms. Both products are distributed through affiliated insurance agencies operating the online platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Overseas Travel Insurance off! (新・海外旅行保険off!) Direct-to-consumer online travel insurance covering overseas medical treatment, injury, illness, baggage, and liability for individual Japanese travelers, featuring 24/7 Japanese-language support and cashless treatment arrangement at overseas medical institutions.
• Motorcycle Compulsory Liability Insurance (バイク自賠責保険)

Quantifiable outcome

• Premium discount of 40-55% compared to traditional retail travel insurance
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• 日本エマージェンシーアシスタンス株式会社 (Japan Emergency Assistance Co., Ltd.)coreStrategic or Co-development PartnerProvides 24-hour Japanese-language medical assistance hotline services for overseas travelers. Handles emergency medical referrals, hospital admissions, medical interpretation, emergency evacuation coordination, and repatriation services.
• ウェルビー株式会社 (Wellbeing Co., Ltd.)coreStrategic or Co-development PartnerPartner in operating the Sompo Japan Overseas Medical Helpline, providing Japanese-language medical assistance services to policyholders abroad.
• 株式会社プレステージ・インターナショナル (Prestige International Co., Ltd.)coreStrategic or Co-development PartnerProvides travel support services including phone interpretation, message relay, airport/hotel transfers, flight and hotel reservations, passport and credit card troubleshooting support, and travel safety information.

Scale indicators3 records

Recent moves5 records

Expansion highlights2 records

Direct peers

• エイチ・エス損保 (H.I.S. Insurance): Japanese direct-to-consumer travel insurance carrier affiliated with the H.I.S. travel agency group. Offers branded online overseas travel insurance with similar pricing-led internet distribution, directly competing for the same Japan-based outbound traveler customer.
• SBI損害保険 (SBI Insurance): Direct-to-consumer online P&C insurer in Japan offering auto and other personal lines via internet channels with a cost-leadership positioning. Overlaps with the subject on the digital distribution model and price-disciplined consumer segment.

Broad incumbents

• 三井住友海上火災保険 (Mitsui Sumitomo Insurance): Major Japanese P&C insurer that the agency is also authorized to broker products for, based on the privacy policy disclosure. Comparable as a multi-line carrier incumbent whose products compete for the same Japanese consumer's insurance wallet.
• ソニー損保 (Sony Assurance): Direct-channel Japanese P&C insurer known for online auto insurance and modular personal insurance products. Comparable on the digital-first agency/agent-of-record distribution model and brand-driven consumer acquisition.
• 楽天損害保険 (Rakuten Insurance): Online Japanese P&C insurer within the Rakuten ecosystem. Comparable as an internet-native insurance carrier competing for the same digital-first Japanese consumer and leveraging an embedded-comparison shopping experience.
• au損害保険 (au Insurance): KDDI-affiliated Japanese P&C insurer selling online auto and personal insurance. Comparable on the direct internet channel model and the modular coverage-incremental product design pattern used by the subject.
• チューリッヒ保険 (Zurich Insurance Japan): Global insurer with a Japan direct auto insurance business. Listed in the agency's privacy policy as one of the carriers the agency is authorized to broker for, making it a direct comparable on the agency-aligned carrier side.
• エース損害保険 (Ace Insurance / Chubb Japan): Global insurance carrier with a Japan P&C operation offering travel and personal accident products. Comparable to the subject because it is one of the carrier counterparts across whose products Rise Consulting also has agency arrangements.

Emerging players

• チョコレート保険 (Chocolate Insurance): Japan-based digital insurance agency offering modular, low-premium travel insurance sold primarily through mobile and online channels. Targets the same price-sensitive DIY outbound traveler segment with a similar customizable coverage design.

Others

• 保険ほっとライン (Hoken Hot Line): Japan-based chain of insurance consultation stores and online brokerage. Comparable as a multi-carrier insurance distribution platform targeting individual consumers, though it operates primarily offline and with a broader multi-line product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/-%E6%A0%AA-%E6%90%8D%E4%BF%9D%E3%82%B8%E3%83%A3%E3%83%91%E3%83%B3%E6%97%A5%E6%9C%AC%E8%88%88%E4%BA%9C

Revenue estimate

Valuation estimate

Number of profiles

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 →

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