JustInCase
Japan's first P2P insurer and digital insurance platform provider, now operating under Sony Financial Group
Overview
JustInCase is a Tokyo-based licensed small-amount, short-term insurer and insurance technology platform provider. Founded in December 2016, the company was acquired by Sony Financial Group in November 2024 and now operates its insurance business as Sony Syoutan Insurance (Sony Shogaku Tanki Hoken). Its technology subsidiary, justInCaseTechnologies, continues to develop and license SaaS insurance management platforms to carriers and corporate agencies across Japan.
The company built its reputation on product innovation, introducing Japan's first peer-to-peer (P2P) insurance product -- Warikan (warikan) cancer insurance -- along with a range of on-demand, short-term personal coverage options including one-day sports insurance, one-night hospitalization coverage, and smartphone protection. These products target digitally-native consumers seeking flexible, affordable coverage alternatives to traditional annual policies.
On the technology side, justInCaseTechnologies operates the joinsure SaaS platform, which serves major Japanese financial institutions and carriers including Orico, Hokkaido Electric Power, and SBI Insurance Group. The platform includes AI-powered sales enablement tools that reported a 35% improvement in digital application conversion rates during pilot programs in 2024.
At a Glance
- Founded
- 2016
- Headquarters
- Tokyo, Japan
- Employees
- [Unknown]
Category & Focus
- Category
- InsurTech Carrier
- Insurance Verticals
- Personal Lines Life & Health Specialty
- Target Customers
- Consumers (B2C), Insurance Carriers (B2B)
Customers
- Sony Financial Group (parent company post-acquisition)
- Orico -- joinsure SaaS deployment
- Hokkaido Electric Power -- embedded insurance via joinsure
- SBI Insurance Group -- joinsure partnership
- JAL (Japan Airlines) -- digital touchpoint transformation
- Kansai Electric Power -- joinsure AI Sales Enablement pilot
- UCS -- joinsure AI Sales Enablement pilot
- Tokyo Kaijo Nichido (Tokio Marine subsidiary) -- small-amount insurance setup support
Last updated: 2026-06-22