Overview of Zenrosai
UNI-LCJ
Global Finance Meeting
10-11 June 2013
ROSAIROREN(Federation of Zenrosai trade unions)
1
Main Parts
1. Introduction(はじめに)
2. Highlights of Zenrosai(全労済の概要)
3. Key issues in future(今後の課題)
4. The Great East Japan Earthquake(東日
本大震災)
5. About ROSAIROREN(労済労連について)
2
1. Introduction
Zenrosai is a Cooperative
(全労済は保障の生協です)
National Federation of Workers and Consumers Insurance
Cooperatives
(正式名称は全国労働者共済生活協同組合連合会)
 Non Profit organization from 1957
(1957年設立の非営利団体)
 Supervision by the Ministry of Health, Labor and Welfare
(厚生労働省管轄の団体)
 Open to anyone
(誰でも組合員になれます)

3
1. Introduction
Operating Insurance Business
for Members
(組合員のための保障事業)
Provide total coverage for members’ life
(組合員にトータル的な保障を提供しています)
 Hand in hand with trade unions
(労働組合と連携して取り組みをすすめています)
 Philosophy of mutual aid & solidarity
(相互扶助・連帯の精神にもとづいて活動しています)

4
2. Highlights of Zenrosai
Affinity Groups and Organizers
(協力団体と推進員)

More than 10 million members(1000万人を超える組合
員)

Affinity groups total:46,774(協力団体数46,774団体)
–
–
–

Organizers total:27,795(推進員27,795名)
–
–
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Trade unions:34,890(労働組合34,890団体)
Other associations: 7,641 (その他職場を中心とする団体7,641団
体)
Community associations: 4,243 (地域の協力団体4,237団体)
Workplaces:24,482(職場推進員24,482名)
Community:3,313(地域推進員3,866名)
2. Highlights of Zenrosai
Democratic Structure(民主的な運営)
Annual General Meeting
総会
Prefectural General Meeting
県総代会
Workplaces
(地区運営組織)
Communities
(地区共済会)
Members(組合員)
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2. Highlights of Zenrosai
At Workplaces(職域推進)

Promoting insurance coverage through affinity
markets, such as trade unions
(労働組合を中心とする協力団体を通じた事業推進)
 Group insurance as one of services of each group
(団体共済制度を保障サービスの柱に)
 Low operating expense
(低い事業費)
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2. Highlights of Zenrosai
At Communities(地域推進)
Easy to join(簡潔な加入手続き)
 Simple policy(明瞭な共済制度)
 No agents(代理店を介さない)
 Various channels (Branch offices, DM, Banks,
Organizer, Convenience stores)
(多様な推進チャネル(支所、ダイレクトメール、銀行、推
進員、コンビニエンスストア)

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2. Highlights of Zenrosai
Total Number of Contracts(契約件数)
(3582万件から3454万件に)
Million
36
35
35.82
34
35.04
34.54
33
32
31
9
30
2009
2010
2011
As of May 31
2. Highlights of Zenrosai
Total Premium Income(受入共済掛金(保
険料収入))
(約70億ドル(5600億円)程度)
Billion USD
*1USD≒80.85JPY
8
7
7.36
7.28
2009
2010
6
7.13
5
4
3
2
1
10
2011
Fiscal years ended May 31
2. Highlights of Zenrosai
Total Assets(総資産)
(350億ドル(2.8兆円)⇒420億ドル(3.3兆円)
Billion USD
*1USD≒80.85JPY
50
40
30
20
35.37
36.85
42.91
10
0
11
2009
2010
2011
As of May 31
2. Highlights of Zenrosai
Assets Management(資産運用)
外国証券
Foreign securities (7.3%)
Bonds &
Debentures(公
社債)
(79.8%)
株式
Stocks (0.04%)
Other (7.3%) その他
Cach, Deposit (5.8%) 現預金
Money Trust (1.4%)
金銭債権
Total: USD 34.24 Billion
合計340億ドル(2.8兆円)
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As of May 31, 2011
2. Highlights of Zenrosai
Total protection provided
by Zenrosai(全労済の保障領域)
医療保障
For medical
cover
For old age life
老後保障
13
For bereaved
family
Total
Protection
遺族保障
介護保障
For Physical
Disability & Nursing
Care
トータルに保障 For house and
household
For automobile
accident
住宅・家財保障
自動車関連保障
2. Highlights of Zenrosai
Activities for our society
(社会貢献活動)





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Contribution to the society(社会貢献)
– Fosterage activity(子育て支援)
– Donation activities(助成(寄付)事業)
– Cultural and education activity(文化・教育事業)
Wrestling with environment problem(環境問題への取り組み)
Assistance for fertile life(豊かな生活実現のための取り組み)
Cooperation among cooperative societies(助け合いの社会をめざした協
同)
International activities(国際活動)
3. Key issues in future
Key issues in future(今後の課題)

Improving insurance lines and services
(制度改定・サービスの向上)
 Marketing activities for competitive age
(競争が激化する中でのマーケティング活動)
 Strengthen activity as cooperative society
(協同組合の社会的地位向上の活動)
 Implement “Zenrosai for the members”
(組合員の全労済の実現)
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3. Key issues in future
Improving lines and services
(制度改定・サービスの向上)

Improve Insurance lines in order to meet
the member’s need(組合員のニーズを満
たす制度改定)
–
–
–
16
Indivisual long term insurance(個人長期も
の)
Natural Disaster Insurance(自然災害)
Revision of individual short-term insurance
(個人短期もの)
3. Key issues in future
Zenrosai for the members
(組合員の全労済)
Customer Satisfaction Project(組合員満足向上
の取り組み)
 Japanese customer Satisfaction Index
(2010)(日本版顧客満足度指数 2010年調査)

–
–
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1st in Non-life insurance(損保分野で1位)
2nd in Life insurance(生保分野で2位)
4. The Great East Japan Earthquake
Impact of
The Great East Japan Earthquake
(東日本大震災の影響)

Claim Payments (As at January 31st , 2012)
–

Estimate Claim Payment(給付の概算)
–
–
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Total: USD 1,400 Million(支払共済金1400万ドル・1100
億円)
Non-Life : USD 1,360 Million(損害系 1000億円)
Life: USD 120 Million(生命系 100億円)
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4. The Great East Japan Earthquake
Approach to
The Great East Japan Earthquake
(東日本大震災への対応)




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Swift Claim Payment with concentrated effort is the
top priority(組合員への迅速な共済金支払いを第一に
やってきた)
Dispatched employees from all over Japan to the
affected areas immediately(全国から被災地に、職員を
動員して現場調査を行った)
Donated USD 1.36 Million to the affected prefectures
(被災県に136万ドル(1億円)の寄付を行った)
Fund raising Activity by Employees, Members, Affinity
Groups.(職員・組合員・協力団体から募金を募った)
5. About ROSAIROREN
Outline of ROSAIROREN
(労済労連の概要)




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Address:2-12-10,Yoyogi, Sibuya-ku, Tokyo 151-8571
Japan(住所:東京都渋谷区代々木2-12-10)
Number of members:3,548(including non-regular
workers243)(組合員3,548名、うち非正規243名)
Number of affiliates : 10(10単組が加盟)
Zenrosai (2,090); Saikyosairen (13);
Niigatasogoseikyo(166); Zenrosai-Libs(221);
Zenrosai-Assist(203); Jidoshakyosai(549); ZenrosaiSystems(213); Wic-Service (9); Space-Zero(5);
Zenrosai-Jichirokyosai (79) ※AS of Apr 2013
5. About ROSAIROREN
Rationale and Main Focus
(労済労連の運動の柱と特徴的な取り組み)
Improvement of working conditions for all workers in Zenrosai-Group(全労済グルー
プすべての労働者の労働条件の向上)

Development of welfare movement by workers themselves
(労働者自主福祉運動の発展をめざす)
・A policy for “Development of welfare movement by workers themselves”(労働者自主
福祉運動の発展をめざした政策を持っている)
・A written statement of ROSAIROREN’s views with regards to the draft from the
Japan National Planning Committee for IYC 2012(国際協同組合年全国実行委員会
に対して労済労連としての提言を行った)
・Collaboration with Zenrokin, and Cooperative unions(全労金をはじめとした協同組織
産別・単組との連携を強化する)

Strengthening of organization and movement(組織と運動の強化)
・Organizing of non-regular workers; improvement of work place for temporary
workers; gender equality(非正規の組織化、派遣労働者の働きやすい職場づくり、男女
平等参画)

Policies for society with peace and hope(平和で明るい社会づくり)

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2. Highlights of Zenrosai