Tokio Marine sets global AI governance policy with oversight rules

Key provisions ensure AI decisions remain subject to human judgment.

Tokio Marine Holdings, Inc. has announced the implementation of its Basic Policy on Artificial Intelligence (AI) Governance, effective across its global group companies starting April.

The policy sets out the insurer’s framework and core principles for the responsible use of AI.

The move follows rising global concerns around the risks of AI use, including misinformation, discrimination, and breaches of personal rights. 

In Japan, local regulators such as the Ministry of Economy, Trade and Industry and the Financial Services Agency have also issued guidelines encouraging voluntary corporate action on AI governance.

The newly established policy outlines principles on transparency, human oversight, elimination of bias, data protection, and operational reliability. 

Key provisions ensure AI decisions remain subject to human judgment and commit the group to preventing rights violations or data misuse.

Tokio Marine said the initiative aims to advance AI utilisation for risk detection and mitigation in insurance services, whilst aligning with evolving international and domestic regulatory expectations. 

The group intends to strengthen internal systems for AI implementation and risk management, supporting continued digital innovation across its operations.