WellBe Risk Management Service

Risk Finance

For damage and costs associated with accidents, we offer a variety of insurance programs and cost reduction measures according to the risks unique to each customer!

Risk Finance
Service Content

As our risk finance services, the WellBe Group plans and sells effective insurance products to cover the costs and compensations associated with diseases, injuries, and accidents.
For medical treatment costs, we propose a system that effectively combines realistic cost reduction measures and the selection of costs to be born by your company by making actual costs visible and tangible.

Development of a risk finance system
Development of a risk finance system

By making the effective use of various products and systems, including general insurance products offered by insurance companies, WellBe's original insurance products, existing cost adjustment systems of each company, and public insurance programs, such as national health insurance and worker's accident compensation insurance, we create an optimal cost coverage system tailored to the situation of each customer.

Operation and maintenance of the risk finance system
Operation and maintenance of the risk finance system

We implement cost adjustment programs in a cost effective manner by capitalizing on the WellBe Group's original systems comprising affiliated hospitals, damage investigations and assessments, and cost adjustment networks.
The first operational step is the visualization of costs.
We operate the system by efficiently repeating the following cycle:"visualization of costs" →"appropriate cost adjustment" →"reduction in overall costs."

Our treatment cost adjustment programs, where the overall treatment costs arising on a daily basis are first realistically reduced and then each company bears the reduced costs while insurance is used to cover greater costs in case of emergency, can be applied even to existing insurance products (overseas travel insurance, etc.) to produce great results.

 
Products used in the risk finance system

We propose optimal insurance products by accurately identifying, analyzing, and assessing customers' risks and thereby reduce accidents and minimize damage if accidents should occur.

Products provided by insurance companies (insurance of persons)

Overseas travel insurance (Japan), local medical insurance (China, Asia)

Products provided by insurance companies (property insurance)

Insurance products related to fire, machine, liability, and logistics (Japan, China, Asia)

Products developed by WellBe

  • chinaAnzen BanriProducts exclusive to WellBe members

    In case of death, permanent damage, or injury due to a road accident while driving a company car or leased car, we will promptly pay the insurance payment regardless of the percentage of fault determination. WellBe also offers full support to the passengers outside the company.

    chinaAnzen Banri leased carαProducts exclusive to WellBe members

    "Anzen Banri" option exclusive to leased cars
    This insurance covers the driver's liability for leased car accidents involving third party liability (person and property).

    Click here for relevant materials.
    (Japanese version)
  • vietnamSafety LineProducts exclusive to WellBe members

    In case of death, permanent damage, or injury due to a road accident while driving a company car or leased car in Vietnam, we will promptly pay the insurance regardless of the percentage of fault determination. WellBe also offers full support to the passengers outside the company.
    (Jointly developed product with United Insurance Company of Vietnam)

  • chinaAutomobile Insurance

    We provide advice on compensation details (policy assessment), propose optimal insurance, and handle accidents in a reliable manner. Upon request, we also provide support for settlement negotiations and lawsuits in collaboration with the Group's assessment company (pay service).

    Click here for relevant materials.
    (Japanese version)
  • chinaChuzai ChugokuProducts exclusive to WellBe members

    This is medical insurance with generous premium discounts, which targets expatriates working in China and their families and can be purchased locally in yuan.
    This was developed in response to the soaring overseas travel insurance costs and the promulgation of a national decree ordering foreign employees' mandatory participation in China's social insurance system.
    We manage Chinese medical insurance programs in a sound manner by introducing hospitals with adequate levels of treatment and fees to our customers via WellBe's 24X7 Alarm center. At the designated hospitals, you can use our cashless service for the payment of your medical fees.

    Click here for relevant materials.
    (Japanese version)
  • chinaAnshin SeikatsuProducts exclusive to WellBe members

    This is medical insurance that locally-hired Japanese (persons with foreign citizenship) can purchase in yuan in China.
    We manage Chinese medical insurance programs in a sound manner by introducing hospitals with adequate levels of treatment and fees to our customers via WellBe's 24X7 Alarm center. At the designated hospitals, you can use our cashless service for the payment of your medical fees.

    Click here for relevant materials.
    (Japanese version)
  • vietnamYou YouProducts exclusive to WellBe members

    This is medical insurance with generous premium discounts, which all Japanese living/staying in Vietnam (expatriates, long/short-tem business travelers, their families, and locally-hired Japanese employees) can purchase in Vietnam. We manage Vietnamese medical insurance programs in a sound manner by introducing hospitals with adequate levels of treatment and fees to our customers via WellBe' 24X7 Alarm center.
    At the designated hospitals, you can use our cashless service for the payment of your medical fees.

Adjustment Scheme on overseas medical costs (Self insurance by using public insurance)

Adjustment Scheme on overseas medical costs (Self insurance)

Unique system for loss investigation and assessment
Unique system for loss investigation and assessment

We support our customers in a speedy manner by having WellBe Group's Loss investigation and assessment company engage in accident assessment operations. Our accident response services extend over a wide area, including settlement negotiations with the third party not only in insurance accidents, but also in automobile accidents.
Shanghai Dynapro Insurance Surveyors and Loss Adjusters Co.,Ltd. http://www.dynapro.net.cn/jp/

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