#Japan #Tokyo #Health Insurance #Lifenet Seimei #Jibun e no Hoken Z

One Year of Lifenet's Term Medical Insurance: A Hit Among Younger Generations

In October 2024, Lifenet Seimei Insurance Inc. launched its innovative Term Medical Insurance products, 'Jibun e no Hoken Z' and 'Jibun e no Hoken Z Ladies.' As they celebrate their first anniversary, the insurance company has shared significant findings from a report reflecting the preferences of their applicants.

Dominance of Young Applicants

According to the data, a remarkable 71% of the insurance applicants are individuals aged 39 and under. The breakdown shows that 39% are in their 10s and 20s, while 32% are in their 30s, and the remaining 29% are older. This insight underscores the appeal of Lifenet's insurance offerings to the younger demographic.

Corny, the product offers a fixed 10-year insurance term setup, which has been selected by an impressive 89% of applicants. The average monthly premium stands at 2,130 yen for 'Jibun e no Hoken Z,' with those aged 39 and younger enjoying an average premium of just 1,509 yen. Similarly, 'Jibun e no Hoken Z Ladies' offers an average monthly premium of 2,873 yen, with younger women paying about 2,606 yen on average. The affordability factor seems to greatly influence the decision-making of young applicants.

The Concept Behind the Insurance

Lifenet Seimei operates under the philosophy that insurance should be re-evaluated based on individuals' needs and life stages. Offering term insurance at a lower initial cost than lifelong medical insurance, 'Jibun e no Hoken Z' and 'Ladies' permits easier re-adjustment for policyholders. The data indicates that a significant number of young individuals are actively utilizing term insurance as they navigate their evolving life situations and financial commitments.

Quick and Efficient Claims Process

From October 1, 2024, to June 30, 2025, the insurance products went through various claims, reporting 67 inpatient benefit instances and 82 surgical benefit claims. Lifenet Seimei has established a commitment: once all necessary documentation is received, benefits should be disbursed within five business days, marked by an impressive average processing time of just 2.91 days across all products in 2024.

In August 2025, Lifenet introduced same-day benefits payment for claims through their 'Smart Fast Claim' service. This groundbreaking option allows clients to receive their medical insurance benefits on the same day they notify the company of their claims, illustrating Lifenet's dedication to clarity, affordability, and convenience in service, all while prioritizing the company's responsibilities in benefit payouts.

Recommendations for Policyholders

Lifenet advocates utilizing term life insurance to maintain necessary coverage for specific periods. Customers have been known to adjust their coverage amounts based on their financial positioning—such as decreasing coverage once savings goals are met or even canceling policies after their children become independent. This flexibility lends itself to a richer insurance selection experience while ensuring policyholders can manage their expenses effectively.

As Lifenet Seimei continues in its mission, the company aims to support the creation of a society where individuals can confidently nurture future generations, focusing on offering insurance products favored by younger consumers.

By committing to the principles of transparency, cost-effectiveness, and quality service, Lifenet remains at the forefront of the digital life insurance space in Japan. As a leading online insurer, they are adaptable to the needs of their clientele, continuously striving to enhance their offerings and exceed expectations.

For more details on their services, visit the Lifenet Seimei Main Page to explore their comprehensive health insurance plans including 'Jibun e no Hoken Z' and 'Jibun e no Hoken Z Ladies.'