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Aflac Japan (Aflac Life Insurance Japan)

アフラック生命保険

89Score

★★★★☆4.3

Customer satisfaction · 24.0M members

Oricon: Top Cancer Insurance(2025)S&P: A+ / AM Best: A+ (Superior)(2025)

Aflac is the largest supplementary health insurer in Japan by individual policies in force (~24 million). A pioneer and market leader in cancer insurance, Aflac distributes through ~19,300 agencies including Japan Post and is backed by its Fortune 500 US parent company.

Overall Score

89/100

Founded

1974

Headquarters

Shinjuku, Tokyo

Type

private

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Key Metrics

Policies In Force

~24 million

Market Focus

Cancer & medical (third-sector)

Distribution Network

~19,300 agencies + Japan Post

Parent Revenue

US$18.93B (2024)

Editorial Ratings

Oricon: Top Cancer Insurance(2025)

Rating: Top Tier — Cancer Insurance (max: 1st Place)

88Oricon

S&P: A+ / AM Best: A+ (Superior)(2025)

Rating: A+ (Parent S&P A+; AM Best A+) (max: AAA)

90R&I

Coverage Highlights

✓Market-leading cancer insurance with fixed per-day/per-event benefits
✓Medical insurance covering hospitalization and surgery lump-sum payments
✓Distribution through Japan Post's nationwide network
✓Fixed-benefit model (pays per-day/per-event, not reimbursement)
✓Backed by Fortune 500 parent (Aflac Inc.)

Pros

✓Dominant market position in cancer and medical insurance
✓Extensive distribution network including Japan Post partnership
✓Strong brand recognition (Aflac duck)
✓Financial backing of US-listed parent company

Cons

✗Focused primarily on supplementary/third-sector (not comprehensive health)
✗Premium pricing compared to some domestic mutuals
✗Limited English-language support for policyholders

Frequently Asked Questions

What types of insurance does Aflac Japan offer?

Aflac Japan specializes in supplementary (third-sector) insurance, primarily cancer insurance and medical insurance that covers hospitalization costs, surgery lump-sum payments, and copayments not covered by Japan's public NHI system.

How large is Aflac in Japan?

Aflac is the largest supplementary insurer in Japan with approximately 24 million individual policies in force. Japan operations account for roughly 75% of parent company Aflac Inc.'s total revenue.

Can I buy Aflac insurance at a Japan Post office?

Yes. Aflac distributes through approximately 19,300 agencies including Japan Post offices nationwide, making it one of the most accessible insurance products in Japan.

Is Aflac Japan financially stable?

Yes. Aflac's parent company holds an S&P A+ and AM Best A+ (Superior) rating, is listed on the NYSE, and is a Fortune 500 company with US$18.93 billion in revenue (2024).

Quick Summary

InsurerAflac Japan (Aflac Life Insurance Japan)

Country🇯🇵 Japan

Overall Score89/100

Satisfaction4.3/5

Members24.0M

Typeprivate

Founded1974

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