Name: 日本最大的保險公司之一如何為老齡化人口提供服務 (How one of Japan's largest insurers is pivoting to serve an aging population)
Uploaded: 2025-07-22T17:53:01.000Z
Duration: 15 min

您好，歡迎來到《亞洲管理》。

In this final episode of a two-part series, we're spotlighting innovative Japanese companies making a global impact.

在這個兩部分系列的最後一集中，我們將重點介紹具有全球影響力的創新型日本公司。

Today, we're talking to Nikio Okamura, Group CEO of insurance giant Sompo Holdings, to find out how he's transforming the insurance and nursing care industry.

今天，我們將與保險巨頭 Sompo Holdings 的集團首席執行官 Nikio Okamura 談話，瞭解他如何改變保險和護理行業。

Sompo Holdings, founded in 1887 as Japan's first fire insurance company, has grown into a global leader in the insurance industry.

Sompo Holdings 成立於 1887 年，是日本第一家火災保險公司，現已發展成為全球保險業的領導者。

Today, it stands as one of Japan's largest insurance providers, with operations spanning 28 countries.

如今，它已成為日本最大的保險供應商之一，業務遍及 28 個國家。

Beyond traditional insurance, Sompo has strategically expanded into life insurance, nursing care and digital ventures.

除傳統保險外，Sompo 還戰略性地將業務擴展到人壽保險、護理和數字投資領域。

Recently, under the leadership of Group CEO Nikio Okamura, the company has undergone a major restructuring to better align with the evolving business landscape.

最近，在集團首席執行官岡村寧夫的上司下，公司進行了重大重組，以更好地適應不斷變化的業務環境。

Under your leadership, you recently restructured Sompo Holdings into two global business segments, Sompo Property and Casualty and Sompo Wellbeing.

在您的上司下，Sompo Holdings 最近重組為兩個全球業務部門：Sompo Property and Casualty 和 Sompo Wellbeing。

What is the rationale behind the reorganisation?

We used to have four business units under Sompo Holdings.

過去，Sompo Holdings 旗下有四個業務部門。

One is Sompo Japan, focusing on Japan's domestic PNC market, and Sompo International, focusing on PNC outside Japan.

一個是 Sompo 日本公司，專注於日本國內的 PNC 市場，另一個是 Sompo 國際公司，專注於日本以外的 PNC 市場。

And Sompo Himalaya Life, the life insurance company in Japan, and Sompo Care, is nursing care or senior care in Japan.

日本的壽險公司 Sompo Himalaya Life 和日本的護理或養老護理公司 Sompo Care。

But when we look at the external environment, the market environment becomes severe.

但從外部環境來看，市場環境變得嚴峻。

So I would like to increase resilience and connect and be connected to the keyword we set.

是以，我希望增強復原力，並與我們設定的關鍵詞聯繫起來。

So the integration between Sompo Japan and Sompo International, we hope they can improve resilience.

是以，Sompo 日本公司和 Sompo 國際公司之間的整合，我們希望它們能夠提高復原力。

They can utilise balance sheet wisely, so they can improve risk-taking capability.

他們可以合理利用資產負債表，從而提高承擔風險的能力。

And also, they can increase the investment income.

此外，它們還能增加投資收益。

They can improve the underwriting capability.

Do you believe the newly integrated overseas insurance and domestic operations will give you the scale and the muscle power to compete better with global rivals like Allianz and AIG?

您是否認為新整合的海外保險和國內業務將為您帶來規模和實力，使您能夠更好地與安聯和 AIG 等全球競爭對手競爭？

Sompo International, the size of the business is one-third or one-fourth of Sompo Japan.

Sompo International 的業務規模是日本 Sompo 的三分之一或四分之一。

But since we acquired Endurance, we intentionally allocate capital to support their growth.

但自從我們收購了耐久公司後，我們有意分配資金支持他們的發展。

In total, 30 billion US dollars, the gross return premium.

總計 300 億美元的總回報保費。

Yes, if we work together, I believe we can improve bargaining power of insurance.

是的，如果我們共同努力，我相信我們可以提高保險的議價能力。

We can take more risk, then we can improve profitability.

我們可以承擔更多的風險，從而提高盈利能力。

The global insurance market is facing a lot of headwinds at the moment.

目前，全球保險市場正面臨諸多不利因素。

Rising interest rates, persistent inflation.

How will you adjust your pricing, your risk management and your investment strategies in this environment?

在這種環境下，您將如何調整定價、風險管理和投資策略？

Each country, the regulation is different.

So some of the countries, we can adjust premium rate almost every day.

是以，在一些國家，我們幾乎每天都可以調整保險費率。

But in Japan, it's almost once a year in practice.

但在日本，這幾乎是一年一度的慣例。

So it's a pretty tough environment in the inflation world today.

是以，當今世界的通脹環境相當嚴峻。

So that's why the bargaining power of insurance is key.

是以，保險的議價能力是關鍵。

And the enhancing retention or risk-taking capability is also key.

此外，提高保留或承擔風險的能力也很關鍵。

But the inflation causes a higher interest rate as well.

但通貨膨脹也會導致利率上升。

So we intentionally allow longer duration of the asset to enjoy investment income.

是以，我們有意延長資產的期限，以享受投資收益。

So working together with SOMPA Japan and SOMPA International, we increase the asset and the management so that we can enjoy the investment income as well.

是以，我們與 SOMPA 日本和 SOMPA 國際合作，增加了資產和管理，這樣我們也能享受投資收益。

When you look at your newly integrated core property and casualty insurance business, it forms about 70% of your overall business.

新整合的核心財產險和意外險業務約佔公司整體業務的 70%。

I hope both SOMPA PNC and Wellbing, they are growing together.

我希望 SOMPA PNC 和 Wellbing 共同成長。

But by 2030, we plan to double profit and also market cap.

但到 2030 年，我們計劃利潤翻番，市值也翻番。

And then the business portfolio, maybe 80% will come from SOMPA PNC, 20% from Wellbing.

然後是業務組合，可能 80% 來自 SOMPA PNC，20% 來自 Wellbing。

And 40% of the profit will come from Japan and 60% from outside of Japan.

利潤的 40% 將來自日本，60% 來自日本以外。

As Japan grapples with a rapidly ageing population, one of its largest insurers is betting big on the future of elder care.

隨著日本人口迅速老齡化，日本最大的保險公司之一正豪賭老年護理的未來。

SOMPA Holdings, traditionally known for property and casualty insurance, has been transforming itself into a leader in senior care services.

傳統上以財產和意外保險聞名的 SOMPA 控股公司正在轉型成為養老服務領域的領導者。

Why did you get into nursing care services in 2015?

您為什麼會在 2015 年進入護理服務領域？

Our DNA, we have to support customers and we have to provide solutions for the customers and also social needs.

我們的 DNA 是支持客戶，為客戶和社會需求提供解決方案。

One of the biggest challenges for Japan is ageing society.

老齡化社會是日本面臨的最大挑戰之一。

People, they have a lot of anxiety about ageing society.

We believe the demand of nursing care is increasing.

我們相信，對護理服務的需求正在不斷增加。

So that's why we decided to enter the nursing care business seven years ago.

這就是我們七年前決定進入護理行業的原因。

You say you aim to be the world's most unique insurance group in the world.

你們說，你們的目標是成為世界上最獨特的保險集團。

So using technology and we want to improve the efficiency, but also we would like to develop new solutions to the customers.

是以，我們不僅要利用技術提高效率，還要為客戶開發新的解決方案。

So the innovation means we have to keep moving forward in order to customer needs.

是以，創新意味著我們必須不斷前進，以滿足客戶的需求。

And for the group's nursing care business, that innovation is being co-developed here at the company's Future Care Lab research facility.

對於該集團的護理業務來說，這種創新是在公司的未來護理實驗室研究機構共同開發的。

This cutting-edge hub explores the latest technology to enhance seniors' quality of life while easing the burden on caregivers.

這個前沿中心探索最新技術，以提高老年人的生活品質，同時減輕護理人員的負擔。

Among its co-developed innovations include smart bed sensors that track sleep, interactive exercise games, a specially designed shower pod for elderly individuals with disabilities and companion robots, all of which are already in use at Sompo's nursing care facilities.

該公司共同開發的創新產品包括可跟蹤睡眠的智能床傳感器、互動式運動遊戲、專為殘疾老人設計的淋浴艙和陪伴機器人，所有這些產品都已在尚寶的護理設施中使用。

Here in Japan, you set up Future Care Lab where you're actually and implementing the latest technologies with the aim of creating a better quality of life for seniors as well as easing the burden of caregivers.

在日本，你們建立了未來護理實驗室，在那裡實際應用最新技術，目的是為老年人創造更好的生活品質，同時減輕護理人員的負擔。

What sustainable caregiving models and solutions is Sompo bringing to an aging market like Japan?

對於日本這樣一個老齡化市場，Sompo 帶來了哪些可持續的護理模式和解決方案？

One of the biggest challenges for us is the gap between supply and demand of nursing care services.

我們面臨的最大挑戰之一是護理服務供需之間的差距。

There are three major concerns people have.

Third is financial security in retirement.

So through Sompo's well-being initiative, we would like to tackle these three concerns.

是以，我們希望通過 Sompo 的福祉計劃來解決這三個問題。

So through Sompo Care, we provide nursing care services, senior care shortage of labor today and in the future.

是以，通過尚寶護理公司，我們提供護理服務，解決當前和未來的養老護理勞動力短缺問題。

But to provide service sustainably, we have to utilize technology, AI, data to improve quality of services and efficiency of the services.

但是，為了可持續地提供服務，我們必須利用技術、人工智能和數據來提高服務質量和效率。

所以，這是一個永無止境的故事。

I would like to keep investment in the technology in the nursing care industry.

我希望繼續投資護理行業的技術。

How will technology continue to shape the newly formed Sompo well-being and what new innovations can we expect in the coming years from you?

技術將如何繼續塑造新成立的尚寶福祉，未來幾年我們可以期待你們的哪些新創新？

Yes, maybe like other countries, the nursing care services was relied on the family member.

是的，也許像其他國家一樣，護理服務依賴於家庭成員。

But because of a changing demographic trend and the value of the family, the nursing care provided by professionals using technology.

但由於人口趨勢的變化和家庭的價值，專業人員利用技術提供護理。

So today, for example, we have the sleep measurement sensor in our nursing homes.

例如，今天我們在養老院裡安裝了睡眠測量傳感器。

Using this technology sensor, we can monitor the sleep quality and the sleep pattern of our client so that we can improve the nursing care services and also we can eliminate some of the tasks done by people.

利用這種技術傳感器，我們可以監測客戶的睡眠品質和睡眠模式，從而改進護理服務，還可以省去人們的一些工作。

And also the nursing care industry, 20 to 25 percent of the work is paperwork.

在護理行業，20% 到 25% 的工作都是文書工作。

So now we are introducing some digital technology to eliminate paperwork so that caregivers can focus on their tasks.

是以，我們現在正在引進一些數字技術，以消除文書工作，讓護理人員能夠專注於他們的任務。

So every day, we are trying to improve the efficiency and also we are trying to improve quality of services using technology.

是以，我們每天都在努力提高效率，同時也在努力利用技術提高服務質量。

Right now, under Sompo well-being, you're integrating life insurance with your long-term nursing care services in Japan.

目前，在日本，Sompo wellbeing 將人壽保險與長期護理服務相結合。

Where do you see the profitability and growth potential of Sompo well-being?

您認為 Sompo wellbeing 的盈利能力和增長潛力在哪裡？

Let me talk about the Sompo life, Sompo Himalaya life.

讓我來談談Sompo的生活，Sompo喜馬拉雅的生活。

The Sompo Himalaya life launched insure health.

尚保喜馬拉雅人壽推出健康保險。

So the insurance product, they are attached with some incentive plan, including for the fitness or nutrition and the checkups, such kind of services.

是以，保險產品附帶了一些獎勵計劃，包括健身或營養和體檢等服務。

And through the insure health, we aim to extend the healthy life expectancy, which is one of the concerns in the aging market.

通過健康保險，我們的目標是延長健康的預期壽命，這也是老齡化市場關注的問題之一。

And today, the Sompo Himalaya life is a profit driver in Sompo well-being business.

如今，Sompo 喜馬拉雅生活已成為 Sompo 健康業務的利潤驅動力。

Today, the 80 percent of the profit in the Sompo well-being is Sompo Himalaya life.

如今，尚普福祉 80% 的利潤來自尚普喜馬拉雅生活。

Last year, the company made headlines when your former CEO resigned because of the big motor insurance fraud scandal.

去年，你們的前任首席執行官因重大汽車保險欺詐醜聞而辭職，成為公司的頭條新聞。

The price-fixing controversy caused and impacted Sompo's reputation.

操縱價格風波對 Sompo 的聲譽造成了影響。

As the new CEO, what are you doing to rebuild public trust and make sure similar incidences don't arise in future?

作為新任首席執行官，您如何重建公眾信任，確保今後不再發生類似事件？

Unfortunately, there are some incident, the problems.

不幸的是，有些事件還是存在問題的。

But I think the main cause is status quo bias.

但我認為主要原因是對現狀的偏見。

是以，我們必須設計一種商業模式。

And also, we have to focus on the customer.

此外，我們還必須以客戶為中心。