Recently the NHK News On-line reported the following:
唾液でがん検査 保険大手が出資へ 保険料安くなる商品開発も
2019年8月23日 0時00分
わずかな唾液から、がんのリスクを調べられる検査技術を開発したベンチャー企業に、大手の生命保険会社と損害保険会社が出資することになりました。検査を受けた人には保険料を安くする新しい保険商品の開発などを検討する見通しです。
生命保険大手の日本生命と損害保険大手のＳＯＭＰＯホールディングスは今月中にも、慶応大学の研究所が設立した山形県のベンチャー企業、サリバテックにそれぞれ数億円、出資する方針です。
ベンチャー企業は、わずかな唾液を採取するだけでがんの疑いがあるかどうかを調べることができる検査技術を開発し、各地の医療機関で使われるようになっています。
日本生命とＳＯＭＰＯホールディングスでは、定期的に検査を受けると保険料が安くなる新しい生命保険や医療保険の開発などを検討する見通しです。
検査でがんを早期に発見できれば契約者のためにもなるうえ、保険会社にとっても保険金の支払いが減って収益の拡大が期待できます。
最近では、健康診断を受けたり運動したりして、病気の予防に取り組んでいる人の保険料を割り引く「健康増進型」の保険が人気で、保険会社も商品開発に力を入れています。
Translation
A major life insurance company and a non-life insurance
company had invested in a venture company that developed testing technologies which
could examine cancer risks from a small amount of saliva. For those who had
been examined, plans were being considered to develop new insurance products
that would reduce their insurance premiums.
The major life insurance company Nippon Life and the
non-life insurance company SOMPO Holdings were planning to invest several
hundred million yen each this month in a venture company, Saliva Tech, a
research institute in Yamagata Prefecture established by Keio University.
The venture company had developed testing techniques that could
be used to determine whether there was a cancer suspicion by collecting a small
amount of saliva and this technique was being used in medical institutions
around the world.
Nippon Life and SOMPO Holdings were planning to consider the
development of new life insurance and medical insurance that would reduce
insurance premiums if there was regular cancer checking.
If cancer could be detected early through testing, beside that
it would be beneficial to policyholders, the insurance companies could expect
to increase their profits by reducing insurance payments.
Recently, “Health Promotion” insurance, which discounted
insurance premiums for people who took health checkups and did exercise to
prevent disease, was popular. Insurance companies were also putting a lot of
effort into their product development.
I think this new
insurance product which demands regular saliva testing for cancer is a win-win
situation for both the insurer and the insured.
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