justInCaseTechnologies, Inc. (CEO: Kazy Hata, hereinafter "the Company") has started providing its SaaS insurance system "joinsure" to Hokkaido Electric Power Co., Inc. (President and Executive Officer: Susumu Saito, hereinafter "Hokkaido Electric Power") from September 5,2024, to support Hokkaido Electric Power’s digitalization of customer touchpoints andoperational efficiency in its insurance business.

Hokkaido Electric Power has been striving for expanding its service lineup that contributes tosolving customer problems and social issues, as well as creating a virtuous cycle in the regional economy through communication with customers and the community, which is the foundation of its electric power business. As part of these efforts, Hokkaido Electric Power has launched a new service called "Enemall Hoken" with the aim of providing peace of mind and support for itsweb service "Hokuden Ene Mall" members and their families’ lives.

"Enemall Hoken" offers medical insurance, cancer insurance, and long-term care insurance underwritten by Tokio Marine Nichido Fire Insurance Co., Ltd. (President and CEO: Hiroaki Shirota, hereinafter "Tokio Marine Nichido Fire Insurance"), providing customers comprehensive risk coverage and peace of mind. Hokkaido Electric Power decided to adopt our solution as it recognized the value of our insurance marketing know-how and the benefits of “joinsure”.

Comment from Mr. Yoshiki Okuyama, Director, Sales Promotion Department, HokkaidoElectric Power
"Our company has been advancing initiatives not only in the energy sector but also in non-energy fields to realize comfortable and healthy living (well-being) in a sustainable society in Hokkaido. In this context, with the support of justInCase Technologies, Inc., we are able to start the new service 'Enemall Insurance'. Leveraging the insurance marketing expertise of justInCase Technologies, Inc., we will strive to boost enrollment in 'Enemall Insurance.'

Moving forward, we will collaborate with Hokkaido Electric Power and Tokio Marine & Nichido Fire Insurance to enhance the value of our insurance products and improve user experience in order to attract more customers to 'Enemall Insurance.'"

About SaaS Insurance System "joinsure"
"joinsure" is a cloud-based insurance business system developed by the Company based on the justInCase Group's knowledge. It consists of an insurance application system, policy management system, and insurance claim management system. It is widely used as a middleware in the scenarios of new company establishments, new product development, and collaboration with platformers. It supports not only small-amount short-term insurance business but also life and non-life insurance operations. In addition to significantly reducing initial costs compared to typical scratch development, it enables quick market entry of insurance products and promotion of various embedded insurance that matches customer needs in collaboration with platformers.
https://justincase-tech.com/joinsure

1. Providing SaaS Benefits
By using this service, not only can our customers achieve significant reduction in initial costs compared to typical scratch development, but legal revisions are automatically updated, and functions added after system adoption can be used without additional costs. By utilizing "joinsure", which has functions implemented for a series of insurance operations, swift business launch is possible. Also, as system maintenance work is unnecessary, focus can be placed on product development and design.

2. Realizing Quick Launch of New Products
Typically, it takes several months to over a year from obtaining permission for an insurance product to its sale. When joinsure is implemented as a core system, the development and implementation period for the design process can be significantly shortened as the system design takes insurance-specific status event management and data structures into consideration. It is designed to support over 60 types of insurance products, allowing for quick launch of complex products that satisfy customers' various needs.

3. Enabling Fully Web-Based Insurance
Operations "joinsure" is a system that provides fully web-based insurance operational functions. Although online insurance sales have been available for quite some time, its market share remains small. As "joinsure" has a track record of improving conversion rates, the Company believes it can greatly contribute to promoting the digitalization of insurance operations.

About Enemall Hoken
Insurance Product Names: Cancer Coverage, Medical Coverage, Long-term Care Coverage
Coverage Overview: Cancer, Medical, Long-term Care
Underwriting Insurance Company: Tokio Marine Nichido Fire Insurance Co., Ltd.
Appointed Agent: Hokuden Kogyo Co., Ltd.
URL: https://soliciting.joinsure.jp/cancer/8942e45b674623b3

About Hokuden Enemall
It is a content-rich website operated by Hokkaido Electric Power showcasing the joys of Hokkaido living with a slogan "Because We Love Hokkaido".
URL: https://www.enemall.hepco.co.jp/

About Hokkaido Electric Power
Company name: Hokkaido Electric Power Co., Inc.
Date of Establishment: May 1, 1951
Representative: Susumu Saito, President and Executive Officer
Head Office: 1-2, Odori East, Chuo-ku, Sapporo
Business Description: Electric power business etc.
URL: https://www.hepco.co.jp/

About Hokuden Kogyo
Trade Name: Hokuden Kogyo Co., Ltd.
Representative: Kazuhiko Ujiie, President & CEO
Head Office: 1-3-1, Kita 1-jo, Higashi, Chuo-ku, Sapporo
Business Description: Energy saving business, sale of coal ash products, sale of civil
engineering and construction materials, rental apartment business, time-sharing and monthly
parking lot business, travel agency, insurance agency, electric pole advertising, auto lease, hot
spring business
URL: http://www.hokudenkogyo.co.jp/

About Tokio Marine & Nichido Fire Insurance
Trade Name: Tokio Marine & Nichido Fire Insurance Co., Ltd.
Representative: Hiroaki Shirota, President & CEO
Location: 2-6-4 Otemachi, Chiyoda-ku, Tokyo
Business Description: Non-life insurance business, agency and clerical work, defined
contribution pension plan operation management, automobile liability security business
commission, etc.
URL: https://www.tokiomarine-nichido.co.jp

About justInCaseTechnologies
Company Name: justInCaseTechnologies Inc.
Established: 2019
Representative: Kazy Hata, CEO
Location: 1-8-1 Nihonbashi Kayabacho, Chuo-ku, Tokyo
Business Description: Provision of insurance and finance-related tech services
URL: https://justincase-tech.com/