Insurance to prepare for the “childcare leave risk” of companies, major companies are entering one after another. Business opportunity for “postpartum papa childcare leave”

While the government encourages women to take childcare leave, such as by establishing a system of “postpartum papa childcare leave,” companies continue to face labor shortages and other concerns. In order to relieve such anxiety, major insurance companies have launched a new insurance product called “insurance for childcare leave.”

Up to 500,000 yen for the cost of hiring a replacement

Childcare leave is also a “risk” for small and medium-sized enterprises that are suffering from labor shortages. In order to relieve the anxiety, major insurance companies have embarked.

Sompo Japan started selling from October 14th, for companies whose executives and employees have taken maternity leave and childcare leave.Recruitment costs for replacement personnelIt is insurance that compensates for use.Of course, it was newly established from this OctoberSupports “postpartum papa childcare leave”do.

the company’sFor small businesswas added in the form of a rider to the insurance of

If an employee takes maternity leave or childcare leave for a total of 31 days or more, the participating companyUp to 500,000 yencan receive

In addition to the costs of recruiting and hiring replacement personnel (short-term temporary workers, part-time workers, etc.), the insurance money will also cover the cost of preparing a PC environment at home so that those who have taken childcare leave can telework while raising children after returning to work. Available.

The annual insurance premium is about 30,000 yen.

“I want to solve the labor shortage problem of small and medium-sized enterprises.”

company employee

Sompo Japan has been preparing for the introduction of this insurance for about a year. The person in charge says.

“labor shortageMany small and medium-sized enterprises are worried about this, and I have heard that they want to increase the rate of taking childcare leave, but are worried about the loss of key personnel.I want you to send your employees off comfortably on childcare leaveThis is a special contract I made with this in mind.”

In fact, according to a 2022 survey by the Japan-Tokyo Chamber of Commerce and Industry, the issue of taking childcare leave, especially for men, is that “there is no substitute staff within the company who can handle childcare leave for employees who are in charge of specialized or personal work” (52.4%). %), and 35.7% said, “Due to difficulties in recruiting and funding, we are unable to secure replacement personnel for childcare leave from outside.”

Support for extension of childcare leave such as waiting-list children

nursery school

In July 2022, Tokio Marine & Nichido Fire Insurance also began selling insurance that covers childcare leave. This is to deal with unexpected situations such as delays in employees returning to work due to issues such as childcare waiting lists.

Under the Child Care and Family Care Leave Act, in principle, the child can take child care leave until the child turns one year old, but if there are circumstances such as the child not being able to enter a nursery school, it can be extended up to two years old.

In the new insurance, employeesextend childcare leaveif you do, among other thingsPeriod from 1 year old to 1 year and 6 months oldThis system compensates for the recruitment costs incurred by companies to secure replacement human resources.

This is also a new special contract for existing insurance for small and medium-sized enterprises, and companies can receive up to 500,000 yen if their employees are absent for 90 consecutive days or more.

Parental leave is also a risk for companies. Insurance companies have faced this fact head-on and turned it into a business opportunity. An increase in the rate of taking childcare leave can be said to be a new business opportunity.

(Written by Ikuko Takeshita)

Source: BusinessInsider

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