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Employee Health & Benefits

Marsh provides support to reduce the work burdens of human resource divisions relating to benefits programs and offers solutions that lead to increased corporate value by providing and operating enhanced benefits programs to employees.

Marsh creates benefit programs customized to the business content and needs of each firm and facilitates their active use by employees in order to support the execution of business by employees who can work with peace of mind both in Japan and overseas and the facilitate the creation of environments where employees can contribute to increasing corporate value. The benefits programs proposed by Marsh are developed with a focus on various insurance programs such as competitive and tailor-made employee selection insurance programs that utilize group insurance. We provide integrated support for the development of appropriate insurance programs from analysis and evaluation to proposing economically reasonable insurance programs and efficient operation. We also work to encourage participation in insurance programs that are appealing to employees through the use of communications tools that we have developed and provide advice on the use of benefits programs that also consider reducing the work burdens of personnel in human resource departments.

Overview of Services

1. Benefits Consulting

Marsh has verified current benefits programs, employment rules, and so on and is knowledgeable about global standards and domestic and overseas trends regarding benefits, and based on this provides benefits program consulting (including negotiating with insurance companies) and performs insurance arrangements. Examples include new compensation programs for absence from work that make use of general group long-term disability insurance in Europe and the United States and proposals for cost reduction strategies that utilize life insurance pooling systems for Japanese-based multinational companies.

2. Marsh Contact Center (One Call Solution)

The Marsh Contact Center functions as a liaison that can take the place of companies’ human resource divisions with regard to insurance programs. The Contact Center’s specialized staff provides integrated services including the provision of information on multiple insurance products, processing insurance claims, and responding to inquiries regarding policy details.

3. Marsh MyStar Gate

Marsh MyStar Gate is a system that uses a dedicated website to perform group insurance solicitation, accept applications, and manage the status of various insurance programs in which employees voluntarily enroll. By using this system, employee participation in benefit programs is encouraged and the work burdens concerning program solicitation in human resource divisions are reduced.

4. Human Resource Business Process Outsourcing (HR-BPO)

By providing the following outsourcing services with the aim of reducing work burdens in human resource departments, Marsh helps clients focus on their core business and achieve higher efficiency in management divisions.

Group insurance transfer administration agency services

Insurance premium billing and collection administration agency services

Asset-building savings program administration agency services

5. Employee Assistance Programs (EAP)

Marsh provides various services to support employee healthcare.

  • EAP vendor referrals and support
  • Stress check and organizational diagnosis service referrals
  • Support for responding to stress check program mandate under the amended Industrial Safety and Health Law

Marsh provides support to reduce the work burdens of human resource divisions relating to benefits programs and offers solutions that lead to increased corporate value by providing and operating enhanced benefits programs to employees. 

Product Lineup

The insurance benefits available in Japan vary greatly in terms of coverage and premiums depending on the lines of insurance and the number of insureds.

Life, AD&D and BTA

  • Group Term Life
  • Group Personal Accident/ AD&D
  • Overseas Business Travel Accident
  • Individual Term Life
  • Individual AD&D、For Directors


  • Group Long-Term Disability
  • Supplemental Workmen’s Compensation Insurance
  • Individual Long-Term Disability
  • Individual Short-Term Disability、For Directors


  • Hospitalization
  • Individual Hospitalization
Group Long-Term Disability (GLTD)

Long term disability (LTD) insurance is a program that supplements income in the case where an employee is unable to work because of illness or injury. LTD has been introduced by many companies in the United States and Europe and is steadily becoming established as an essential benefits program in Japan, particularly among publicly-traded companies, since its introduction in 1994. LTD programs are closely linked to the personnel programs of each company, and as a result, specialized knowledge is required for planning, introduction, and operation. Marsh Japan is a leader in introducing LTD programs in Japan.

Read More

Global Employee Benefit Program Solutions

Marsh, which is an insurance broker and risk advisory under the umbrella of Marsh & McLennan Companies (MMC), and Mercer, an organizational and personnel management consulting firm, launched the Mercer Marsh Benefits™ brand in 2012 to offer a variety of solutions in the employee benefits field.

In recent years, optimization of employee benefit programs for employees assigned to overseas locations as well as employees of overseas subsidiaries has become a key issue for global companies. Mercer Marsh Benefits™ supports multinational corporations by utilizing Mercer’s extensive organizational and personnel data and Marsh’s specialized insurance expertise and negotiating capabilities in global insurance markets to optimize employee benefit insurance programs at overseas business sites and implement cost controls and governance on a global level.

Mercer Marsh Benefits™ currently provides benefits to clients at more than 27,000 companies and organizations globally including many leading global companies and governmental bodies. Marsh Benefits™ network extends to 135 countries worldwide and encompasses a staff of 18,000 including 200 experts on global benefits programs. Systems in Japan were reinforced in 2014, and highly detailed solutions tailored to the specific needs of Japanese corporate clients are provided by making maximum use of networks in Asia and globally.


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