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00:00In Japan, many people are involved in health insurance,
00:05and in particular, the genetic inclusion rate of life insurance is 89.2%.
00:10The inclusion rate of automobile insurance and fire insurance is also at a high level.
00:15I'm in, but I don't know.
00:18However, many people do not know the content of the insurance.
00:23In Japan, there is a surge in claims that are not guaranteed to be accepted.
00:30For example, when a bicycle is stolen,
00:33or when you go to the hospital in a state of emergency,
00:36and you are diagnosed on that day.
00:39In fact, there is a possibility that you will receive insurance money even at such times.
00:44There is a company that has created a service that anyone can easily notice
00:49Hello!
00:50It's a company called IVY.
00:55So how do you get rid of insurance claims?
01:01Here it is.
01:03Just register your insurance picture.
01:06This is an insurance management app called Hokenbo that prevents insurance claims.
01:10Hokenbo?
01:12Hokenbo is a free application that manages insurance information while you are registered
01:16and prevents claims from leaking.
01:19The registration method is very simple.
01:21Why is it free?
01:23You can register information on the Hokenbo app
01:26just by preparing an insurance certificate and taking a picture of it.
01:30Wow!
01:31Easy!
01:32Insurance certificates are different in type depending on the manufacturer,
01:36but the strength of Hokenbo is that it corresponds to the data of all companies.
01:42Just by registering an insurance certificate,
01:44you can see the schedule for the full term and the term of the contract,
01:47as well as the insurance amount for each month.
01:51Wow, I didn't know that.
01:53And here is the new feature of the Hokenbo app that prevents claims from leaking.
01:58You can see the area that has been insured with the insurance you have registered.
02:03Wow, that's great!
02:05You can automatically identify the insurance you have registered
02:08for each category,
02:09and just by answering the questions in the app,
02:11you can see the insurance you may have received.
02:16For example, if you happen to run into a bicycle while walking on the sidewalk
02:20and decide to register your insurance.
02:24Select illness, injury, or death from the application form.
02:30Next, tap on the option to register for illness or injury,
02:34and finally tap on the option to register for injury.
02:39Oh, I didn't know that.
02:42As a result of the diagnosis,
02:44you can see the fire insurance that seems to have nothing to do with injury.
02:48Why?
02:50In the case of injury,
02:52you may need to register for a lawyer.
02:55I was a little surprised to learn that a special insurance
02:58that guarantees the cost of paying the lawyer
03:01can be used to pay for the insurance.
03:07In fact, there are many applications that are easy to miss.
03:21I'm going.
03:22I'm going.
03:26Huh?
03:27The bicycle I parked here yesterday has been stolen.
03:32This is a big problem.
03:33In fact, there is a possibility that fire insurance
03:36may be used at any time.
03:38What?
03:41If it is stolen at home,
03:44it may be a target.
03:47Target? I don't know.
03:49In other cases,
03:51it may be a target.
03:53Are you okay?
04:03It cost a lot of money,
04:05but I'm glad I could buy it in one day.
04:10In fact, this is a life insurance that is easy to miss.
04:15Many people think that they are just treated for a sudden illness or injury,
04:19but even if they retire on that day,
04:21they may be treated as hospitalized,
04:23and they may receive a hospitalization subsidy.
04:29In other words, if you use an insurance application,
04:32you can easily notice the claims of insurance that have been hard to notice so far.
04:40In addition, what is highly evaluated by users
04:43is that you can register and share your family's insurance.
04:47For example, when your father dies,
04:49you can't apply for a family that lives apart.
04:52You don't know what insurance you have.
04:54There are a lot of situations like this.
04:56It is very important to recognize the insurance that your father has.
05:02In particular, after the death of a family,
05:04there is a case in which the insurance is continuing
05:06even though the payment of the insurance amount
05:08is over due to frequent claims.
05:13There is no record of withdrawal from the recent account,
05:16and it seems that there are many things that you don't notice.
05:20It is important to know the content of your family's insurance
05:23so that you can apply smoothly even in the worst case.
05:27I don't study insurance.
05:30The strong ally of insurers, insurance.
05:33It's been about six years since the release of the app,
05:36but in the past year and a half, the number of users has doubled.
05:41How did you expand your awareness?
05:46In this industry, only the development of insurance apps
05:49and the application that correctly reflects the application
05:52from the certificate image registered by the customer
05:55are the two industries.
05:57There are no salesmen.
06:00There are no salesmen in the company.
06:04However, one of the roles is
06:07the insurance agency Real Life in Nishiku, Osaka City.
06:12What is the logo of the insurance company
06:15on the name card given to you?
06:18There is also a QR code.
06:20It is very important that one customer can apply
06:23to multiple insurance companies
06:26in a transparent way like an insurance company.
06:29We also say,
06:31please contact us if anything happens.
06:34We say that we will respond to anything.
06:37Even so, if you don't contact the customer,
06:40they won't notice it.
06:42It's a matter of whether the customer will contact us or not.
06:46If this is not the case,
06:48we can't help with the application.
06:51I think it is very important for this industry
06:54that the customer can see it
06:57on the smartphone they usually have.
07:00I think it is very important for this industry that the customer can see it
07:01on the smartphone they usually have.
07:03Many insurance agencies that sympathize with the unprecedented service
07:06such as Real Life in Nishiku, Osaka City
07:09recommended the insurance company as a management app
07:12and led to an increase in the number of users.
07:18And with the increase in the number of insurance users,
07:21there are benefits like this.
07:23When you take a picture,
07:25you can see how many insurance companies are in it.
07:28You can see how many insurance companies are in it.
07:31It's the same with long-term insurance.
07:33Customers should realize that they need to be reviewed.
07:36I think this is an attractive feature that only insurance companies can have.
07:42In addition, not only insurance agencies,
07:45but also major insurance companies are paying attention.
07:48Insurance companies are considered to be the ones
07:51that maximize the value of insurance.
07:56In fact, seven major insurance companies,
07:59including SDI Insurance,
08:01They are in agreement with the insurance system and support the management of the company.
08:06However, if the number of insurance users increases, the demand for insurance companies should also increase.
08:13Still, why is the insurance company cooperating?
08:17I think the mission of the insurance company is to be useful to customers through proper insurance ban payments.
08:23I hope that customers will be able to apply for insurance without any problems.
08:34The insurance app is also praised by insurance professionals.
08:38It was developed by Ito, an insurance enthusiast in Tsujigane.
08:43It's called enlightenment.
08:46After learning about insurance at university and gaining experience in insurance agencies and insurance companies,
08:52he founded IVY in 2018.
08:57Ito's idea for the insurance app was an event in his university days.
09:04I was a third-year university student at the time.
09:06I went to the site as a volunteer during the Great East Japan Earthquake.
09:09I saw a house that had been washed away by the tsunami and collapsed.
09:12I realized that there was no insurance certificate at hand.
09:15If the person was dead or injured, the family would apply instead.
09:20I was conscious of the issue of how to apply for insurance.
09:24So I came up with the idea of leaking insurance claims.
09:27It's amazing.
09:28What is the thought of Ito, who aims for a society without leaking claims by shaping the idea of preventing leaking claims of insurance in his university days?
09:40I want to cooperate with all insurance companies.
09:42Otherwise, the leaking of claims will not be reduced to zero.
09:46That's what I'm thinking about.
09:48When there is a disaster, a disease, or an accident,
09:53not only private insurance companies, but also government agencies
09:57do their own research and do complicated procedures one by one.
10:02I want to create a society where people can feel as safe as possible when they are in a very difficult situation.
10:15Good morning. I'm Terasu Togiyo. Nice to meet you.
10:18I'm Ito from Ivy. Nice to meet you.
10:22Can you tell us about insurance?
10:27I'm really excited.
10:29I'm also excited.
10:32Every year, I receive a report, but I really don't understand it.
10:37I have two life insurance.
10:40My husband also has two life insurance.
10:42Maybe he's wearing something.
10:45I think he's losing money.
10:47Why do you have two life insurance?
10:50Because I'm worried.
10:52I'm worried if one life insurance is enough.
10:55If I have two life insurance, I'm worried if I'm losing money.
10:58There are a lot of people like that.
11:00There is a good insurance that you can wear.
11:04Medical insurance is a medical insurance that you can get 10,000 yen a day after you are hospitalized.
11:09If you have three life insurance, you can get 30,000 yen for three life insurance.
11:14So you don't have to apply because you're wearing it.
11:17You don't have to apply at all.
11:20However, there are times when you can't pay for it.
11:22For example, you have to be careful not to break something that has been damaged by the other party.
11:26For example, you have to be careful not to break something that has been damaged by the other party.
11:31You can see the difference in the insurance.
11:34What kind of insurance do you have?
11:37I'm a little curious about that.
11:40Can you show me your insurance?
11:42Our company does not sell insurance at all.
11:45Why is that?
11:47We have to cooperate with all insurance companies to reduce the spread of claims.
11:52I see.
11:53You can't rely on insurance companies.
11:54That's right.
11:55We have to protect the position of the third party.
11:57If we sell insurance, we will inevitably have companies that sell and companies that don't sell.
12:01That's why you can stay with that face.
12:03That's right.
12:07If I had relied on insurance, I would have had a face that smelled like money.
12:13I don't have that face at all.
12:16Here, I asked Mr. Ito to tell me an example of a claim that I absolutely want you to know.
12:24For example, there is a car insurance.
12:27There is an insurance for injuries in car insurance.
12:30It is often thought that only car accidents are paid for.
12:35In fact, it is included in the patent and rules such as traffic accidents when you are not in the car.
12:44I've never heard of it.
12:45There is also life insurance.
12:47Everyone thinks it's insurance when you die.
12:50I didn't think I could get it while I was alive, so I didn't apply for it.
12:55If you are in care or have a serious disability, you can quit your job or reduce it.
13:02You may have been able to take care of yourself slowly.
13:05That's why insurance is included.
13:08If you don't organize these things when you have time, you may not have time to think about insurance.
13:21That's right.
13:22Can I ask you one more question?
13:23Yes.
13:24I recently went to Southeast Asia to play.
13:27The next day, I went to the hospital while I was on duty.
13:33I was able to leave the hospital in a few hours.
13:38This is overseas medical insurance.
13:40For example, if it is included in a high-ranking credit card, it may be a target.
13:47There is such a thing on the card.
13:50I don't know that.
13:52I feel like I was told a lot when I registered my card.
13:56There are various insurances.
13:58You hear that, right?
13:59Even if you don't understand the meaning, it's an adult who nods.
14:03It's no good if you don't understand that.
14:05I feel like I understand.
14:07By the way, it's not just about uploading insurance documents in the insurance book.
14:13If you choose a credit card name, it will be automatically converted into data.
14:19For example, I bought a card for overseas travel and shopping insurance, but it broke.
14:26In that case, you can get insurance.
14:28Is that so?
14:29You don't have to notice it.
14:31That's amazing.
14:34Through the volunteers of the Great East Japan Earthquake, they have overcome the challenges of the outflow of claims.
14:40They are the representatives who have created a new mechanism that has never been seen in the insurance industry.
14:47They are approaching the peak of business development.
14:51But when I was a student, there were no people who had doubts about the mechanism.
14:58I don't think so.
15:00Did you think this would become a business?
15:03I thought it was something that the government or public institutions would do.
15:09I didn't think I would do it at all.
15:12However, the financial department said it was a customer-centered business administration.
15:17Did I say that?
15:19You said it, didn't you?
15:21It's hard to reach the general public.
15:23Finally, the insurance industry has begun to spend money on initiatives to prevent the outflow of claims.
15:31However, more than six insurance companies are registered in the insurance industry per capita.
15:36Even if there is information about the entrance of various companies, it is divided.
15:40I thought that this could be commercialized in a way that individual insurance companies could not solve.
15:45So I decided to start a business.
15:47When you decided to start a business, didn't you have any doubts about where to start?
15:53I didn't know at all.
15:55I've always wanted to have something like an insurance company.
15:59But there was no sign of it coming out.
16:01Maybe it's not for people outside the industry.
16:03I thought there were few people in the insurance industry who could make it.
16:07I was a system engineer for a year before I started my business.
16:11I concentrated for a year to study IT.
16:15Mr. Ito, who studied IT, quit his job in 2018 and started a business right away.
16:22And the next year, he released his insurance policy.
16:27I think there are insurance companies who thought,
16:30Don't make this kind of thing.
16:34How did you feel about that?
16:36It's a few people.
16:38There are some people in the industry who say,
16:42I think it would be better to have an insurance policy.
16:46But many people who work in the insurance industry
16:50really do insurance work.
16:52I want to deliver that value.
16:54I want to do a good job of the system.
16:57So I think that if the technique of doing this kind of thing
17:01spreads more and more in the industry,
17:03the view will change.
17:07And Mr. Ito did something every week to get rid of the leak of insurance claims.
17:25In mid-February, an event themed on the future of the insurance industry was held in Shibuya on this day.
17:31About 60 people from the industry gathered there.
17:36I'm sorry to interrupt, but I have installed an insurance application.
17:40Please take a look.
17:43Thank you very much.
17:45In general, insurance companies
17:48tell their customers,
17:50Please contact me if anything happens.
17:53But in fact, that's not good.
17:55You may need to apply for it yourself.
18:00You don't have to apply for it yourself.
18:03I would like to ask insurance companies
18:07to take this precautionary measure as a normal action in the industry.
18:12Mr. Ito has been attending insurance events once a week
18:17and has emphasized the importance of preventing the leak of claims.
18:22The social issue of the leak of claims
18:26is not recognized by the insurance industry,
18:30so I think it's important to tell them directly.
18:37And for Mr. Ito,
18:39the time after the performance is important.
18:49A private exchange with an insurance company.
18:53In this way, the circle is steadily expanding.
18:56This is important.
18:58Actually, at events like this,
19:01when the event is over,
19:03the users come to us.
19:06The key to the innovation of insurance companies
19:09is to work with the industry and private exchange.
19:12It seems that this effect has also reached those in the insurance industry.
19:17If you don't apply for it,
19:20you won't be able to visit the insurance companies.
19:23So you will go to SIC, SBI, etc.
19:27I think this will be the center of the expansion of travel.
19:33I think it's a service that is absolutely necessary for customers.
19:39I think insurance companies are doing their best to fill in the gaps.
19:46It's a savior of setting up with customers.
19:49Most of the insurance companies we have a partnership with
19:53are starting from the park, such as financing.
19:58People in the insurance industry are all one-time insurers.
20:02I think they are one-time insurers
20:06because they think that they will be the cause of such requests.
20:09I think that's why they are more interested.
20:15The people who were interviewed earlier
20:18are older people, right?
20:21I thought it would be really difficult to make older people understand.
20:26Insurance companies are close to the age group,
20:31so if you want to run a company,
20:34you need to be in the position of a person with a high age group.
20:39A person from an insurance company told me that he was about 60 years old.
20:44He said that he had left too much negative influence in the industry.
20:50He believes that the system that he wants to support
20:56so that the generation of children and grandchildren will be a good society
21:01will change in the future.
21:04That's why I got a lot of support.
21:07I have something to reflect on while talking.
21:11Some people say they don't understand.
21:14There are children who grow up hearing that they don't understand.
21:19As a parent, you have to understand insurance properly
21:23and pass it on to your children.
21:25If you don't do that, you will continue to have negative influence.
21:30What I do is that I register with the insurance company
21:34and consult with the insurance company.
21:38I feel a lot of pressure from the insurance company
21:42because I feel that I understand this person to some extent.
21:46If I think that the literacy level is a little high,
21:49I think I have to explain it properly,
21:52so I can make a good explanation.
21:55You don't have to go all the way.
21:57If you enter the insurance company and make a face like you have a high literacy level,
22:01there is a possibility that the question from the insurance company will be an empty answer.
22:05That's a good idea.
22:11Next time, we'll take a closer look at the start-up
22:14that develops small and light high-performance drones.
22:18Is there a jellyfish in it?
22:20I'm so excited.
22:21I think it's going to be a lot of fun.
22:23Drones born from the charm of the deep sea
22:26are all-purpose machines for cleaning, inspection, and investigation.
22:30I think the number of underwater robots will increase dramatically.
22:33I did it.