Expansion of overseas insurance BPO services, primarily in emerging markets

「The healthcare program provided by the Group for expatriates overseas was introduced by 8 companies in the fiscal year ending March 2026, and introduction by more than 6 companies is expected in the fiscal year ending March 2027. The number of major clients is approximately 100, and the number of expatriates and their family members covered by the service exceeds 32,000. We will continue making proposals to companies expanding overseas.」

「Our core healthcare program continues to expand steadily, with growth in membership driven by the acquisition of new client companies and expansion into new areas contributing to revenue.」

「The overseas travel insurance ancillary services business contributed to higher profit mainly through efficiency improvements. In addition, use of the Japanese Help Desk (JHD), which provides local interpretation and in-hospital support services mainly in Southeast Asia, increased year on year, and the business remained solid. Revenue was ¥860 million, up 20.7% year on year, and operating profit was ¥291 million, up 15.7%.」

「In the fiscal year ending March 2025, we expanded the installation of help desks at overseas hospitals to 69 locations as of the end of March 2025. In the fiscal year ending March 2026, we plan to expand this to 80 locations. Demand for the healthcare program also remains strong, and the launch of services for 4 new companies has been decided for the fiscal year ending March 2026. We will continue working toward further expansion.」

「In Asia and Oceania, revenue was ¥712 million, up 29.4% year on year, and operating profit was ¥252 million, up 32.1%, driven by the expansion of healthcare-program services and continued growth in the number of contracted companies, as well as an increase in cases handled by overseas travel ancillary services and support provided within local medical institutions.」

「The healthcare program was introduced by 5 companies in the fiscal year ended March 2024, and introduction by approximately 7–8 companies is expected in the fiscal year ending March 2025. There are approximately 50 major clients, and the number of expatriates and their family members covered by the service exceeds 30,000. We have also opened clinics for Japanese patients and will continue expanding services locally to increase revenue opportunities.」

「The global business, which provides claims-agent services for overseas travel insurance and medical support for expatriates (healthcare programs), was affected in the US credit card business by higher payment processing fees paid to partner banks and lower personal consumption resulting from inflation. However, growth in existing services, including an increase in healthcare-program members and expansion of the claims agent's service area, contributed to revenue of ¥5,921 million, up 19.4% year on year, and operating profit of ¥642 million, up 46.5%.」

「The global business, which provides claims-agent services for overseas travel insurance and medical support for expatriates (healthcare programs), was affected by higher payment processing fees in the US credit card business. However, the expansion of the claims agent's service area, increased use of the Japanese Help Desk, and price revisions reflecting inflation for healthcare programs and other services progressed, resulting in revenue of ¥3,940 million, up 17.5% year on year, and operating profit of ¥408 million, up 16.0%.」

「The global business, which provides claims-agent services for overseas travel insurance and medical support for expatriates (healthcare programs), benefited from growth in users as the number of expatriates overseas and overseas travelers increased for overseas travel insurance ancillary services and healthcare programs, higher spending in the US credit card business, and the weaker yen. Revenue was ¥1,924 million, up 21.3% year on year, and operating profit was ¥210 million, up 35.2%.」

「The global business, which provides claims-agent services for overseas travel insurance and medical support for expatriates (healthcare programs), was driven by the recovery in the number of overseas travelers, growth in healthcare-program membership, increases in membership and payment volume in the US credit card business, and the weaker yen. Revenue was ¥4,957 million, up 31.0% year on year, and operating profit was ¥438 million, up 34.4%.」

「Although some parts of East Asia were affected by lockdowns and other measures, the number of service users increased steadily as economic activity recovered, making the recovery trend in the Global business more pronounced. Spending in the US credit card business also continued to increase, resulting in substantial growth in both revenue and operating profit. Revenue was ¥3,353 million, up 39.0% year on year, and operating profit was ¥352 million, up 70.9%.」

「The Global business, which provides claims agent services for overseas travel insurance and medical support services for expatriates, including healthcare programs, benefited from heightened corporate interest in managing the health of employees working overseas during the pandemic. New healthcare program wins progressed strongly, while overseas travel insurance also showed signs of recovery. In the US credit card business, membership also began to increase year on year, and spending continued to trend upward. Revenue was ¥1,586 million, up 38.0% year on year, and operating profit was ¥155 million, up 59.0%.」

「We have designated healthcare programs as a priority investment area and emerging markets, particularly in Asia and Central and South America, as strategic expansion regions. While strengthening the foundations of our centers in regions where Japanese companies are making significant inroads, we will clarify the roles of our overseas centers in 18 countries worldwide and build an operating structure while acquiring the capabilities needed to address the issues faced by Japanese companies operating overseas that became apparent during the pandemic.」

「In Asia and Oceania, some expatriates in India, China and parts of Southeast Asia have begun returning to their respective countries, leading to increased use of medical institutions. However, the effects of COVID-19 remain, and revenue growth has yet to gain momentum. Revenue was ¥339 million, up 6.5% year on year. Operating profit was ¥34 million, down 67.7% year on year, due to preparations to establish a call center in Thailand to enhance customer care for expatriates in Southeast Asia, where the healthcare business has many major customers.」

「Although the number of expatriates and overseas travelers did not recover as the effects of COVID-19 remained pronounced, particularly in Southeast Asia, the Global business reported revenue of ¥2,412 million, up 5.0% year on year, and operating profit of ¥206 million, up 4.0%.」

「Although the recovery of the business, particularly healthcare programs for Japanese expatriates overseas, is expected to take time due to COVID-19, the global expansion of Japanese companies is expected to accelerate further, particularly in South Asia, Central and South America, and the Middle East. This includes companies entering emerging markets to gain price advantages or access global markets, as well as companies increasing the number of overseas expatriates to expand their operations in these regions. We have designated healthcare programs as a priority investment area and emerging markets, particularly in Asia and Central and South America, as strategic expansion regions. While strengthening the foundations of our centers in regions where Japanese companies are making significant inroads, we will clarify the roles of our overseas centers in 18 countries worldwide and build an operating structure while acquiring the necessary capabilities.」

「The Global business, which provides claims agent services for overseas travel insurance, medical support services for expatriates, including healthcare programs, and credit card issuance services, was affected by the decline in overseas travelers and credit card spending due to COVID-19. Revenue was ¥3,363 million, down 28.5% year on year, while operating profit was ¥230 million, down 69.4%.」

「In Asia and Oceania, revenue was ¥230 million, down 41.8% year on year, as overseas travelers, including business travelers, tourists and international students, had virtually stopped traveling and the business was limited to serving existing customers.」

「Going forward, we will continue to focus on accurately identifying the needs of customers, or end users, through our network of 22 centers in 18 countries worldwide. As a leading BPO company, we will work to create innovative businesses, steadily expand our operations and generate stable earnings, with the aim of becoming a company that prospers together with its stakeholders.」

「In the Americas and Europe, revenue was ¥1,979 million, down 0.2% year on year, from the core credit card services business, while operating profit was ¥559 million, up 4.2% year on year, due to a review of the US medical network.」

「Operating profit was ¥220 million, up 8.2% year on year, as the provision of value-added services to HCP members through JHD services launched in Southeast Asia gained traction and costs were reduced in East Asia and Oceania.」

「The Insurance BPO business, which provides insurance-related services, reported revenue of ¥1,111 million, up 9.2% year on year, due to the steady expansion of medical support services for expatriates, including healthcare programs.」

「The Group has designated healthcare programs as a priority investment area and emerging markets, particularly in Asia and Central and South America, as strategic expansion regions. While strengthening the foundations of our centers in regions where Japanese companies are making significant inroads, we will clarify the roles of our overseas centers in 16 countries worldwide and build an operating structure while acquiring the necessary capabilities.」

「The Insurance BPO business reported revenue of ¥3,018 million, up 10.1% year on year, due to the acquisition of new clients and steady growth in membership for its services for Japanese expatriates, including healthcare programs.」

「The Insurance BPO business reported revenue of ¥2,013 million, up 10.2% year on year, due to the acquisition of new clients and steady growth in membership for its services for Japanese expatriates, including healthcare programs.」

「The Insurance BPO business, which provides insurance-related services, reported revenue of ¥1,017 million, up 10.2% year on year, due to the steady expansion of medical support services for expatriates, including healthcare programs.」

「The Group has designated healthcare programs as a priority investment area and emerging markets, particularly in Asia and Central and South America, as strategic expansion regions. While strengthening the foundations of our centers in regions where Japanese companies are making significant inroads, we will clarify the roles of our overseas centers in 14 countries worldwide and build an operating structure while acquiring the necessary capabilities. As part of this effort, we will implement measures such as placing staff at major overseas medical institutions, with a focus on providing more comprehensive support to Japanese expatriates and their accompanying families.」

「The Insurance BPO business, which provides insurance-related services, reported ¥2,741 million, up 3.4% year on year, due to the steady expansion of services for Japanese expatriates, including healthcare programs.」

「The Insurance BPO business reported revenue of ¥1,827 million, up 7.8% year on year, due to the acquisition of new clients and steady growth in membership for its services for Japanese expatriates, including healthcare programs.」

「The Insurance BPO business, which provides insurance-related services, reported revenue of ¥923 million, up 7.7% year on year, as overseas-related businesses, including claims agent services and healthcare programs, continued to expand steadily.」

「The number of cases handled has increased in claims agent services provided overseas for non-life insurers and in healthcare programs for Japanese expatriates overseas, as Japanese companies accelerate their expansion into emerging markets.」

「The Insurance BPO business reported ¥2,650 million, up 4.5% year on year, due to the steady expansion of overseas-related businesses, including claims agent services and healthcare programs.」

「The Insurance BPO business, which provides insurance-related services, reported revenue of ¥1,694 million, up 3.0% year on year, due to the steady expansion of overseas-related businesses, including claims agent services and healthcare programs.」

「The Insurance BPO business, which provides insurance-related services, reported revenue of ¥857 million, up 0.8% year on year, as overseas-related businesses, including claims agent services and healthcare programs, continued to expand steadily.」

「We have designated emerging markets, particularly in Asia and Central and South America, as strategic expansion regions. While strengthening the foundations of our centers in regions where Japanese companies are making significant inroads, we will build an operating structure that makes effective use of our overseas centers in 14 countries worldwide.」