YAMAP Naturance Non-Life Insurance

Overview

YAMAP Naturance Non-Life Insurance is a direct-to-consumer non-life insurance carrier based in Japan, providing outdoor activity accident coverage to users of the YAMAP outdoor platform. Established in 2024 as a wholly-owned subsidiary of YAMAP Inc., it is the 35th non-life insurance company licensed by Japan's Financial Services Agency, an uncommon achievement for a venture-backed company. The company name combines "Nature" and "Insurance" to form "Naturance," reflecting its focus on outdoor enthusiasts.

The carrier uses behavioral and location data from the YAMAP platform to assess risk and price coverage for outdoor activities including hiking and mountain trekking. Products integrate directly into the YAMAP mobile app for seamless purchase. YAMAP Inc. serves as a licensed sales agent, enabling tight distribution within the app ecosystem. A telematics-based dynamic pricing product is currently in development.

YAMAP Naturance operates as a growth-stage subsidiary backed by YAMAP Inc., which raised 2.04 billion yen in a Series D round in May 2024 from investors including Japan Evolution Fund, Yamanashi Chuo Bank, ZENRIN FUTURE PARTNERS, and Sumitomo Mitsui Trust Bank, among others.

Products & Services

Personal Lines

Key Features

Outdoor Leisure Insurance: Covers injuries and rescue expenses during outdoor activities; launched May 2024
Sanpo Insurance (Sanpo Hoken): Hiking-specific coverage with flexible daily and trip-based premiums, purchased via YAMAP app
Outdoor Household Insurance: Covers household goods and outdoor equipment during outdoor activities

Specialty Lines

Key Features

Telematics Insurance (in development): Dynamic pricing based on real-time risk assessment using YAMAP platform behavioral data

YAMAP Naturance Non-Life Insurance

Overview

Products & Services

Personal Lines

Key Features

Specialty Lines

Key Features

At a Glance

Category & Focus

Links

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