







Who We Are





Overview
• Founded in the US in 1991 - over 33 years
• Headquarters: New York City, with regional offices around the country
• Multilingual customer phone service and member support materials in English, Spanish, Japanese, and Korean
• Rated A- Excellent by AM Best, 2/2024
• Products:
Medical
Dental
Vision
Networks:
Life
Short Term Disability
Long Term Disability

• Dental: Aetna Dental Administrators (ADA), DenteMax and First Dental Health (FDH)
• Vision: EyeMed Insight Network

Nippon Life Benefits is a Subsidiary of Nippon Life Insurance World-Class

Financial Strength
Founded in 1889, Nippon Life is headquartered in Osaka and Tokyo, Japan* with $645 billion in assets*
Employees:
• 47,937 Sales Representatives
• 20,135 Non-Sales Main Lines of Business
• Individual & group life insurance
•
• Individual & group annuity

Nippon Life Insurance of Japan Major Subsidiaries & Affiliated Companies Insurance and Related Businesses
• TAIJU LIFE INSURANCE COMPANY LIMITED (Japan – Life insurance)
• Nippon Wealth Life Insurance Company Limited (Japan – Life insurance)
• HANASAKU LIFE INSURANCE Co., Ld. (Japan – Life insurance)
• Nippon Life Insurance Company of America (USA – Employee benefits)
• MLC Limited (Australia – Life insurance)
• Great Wall Changsheng Life Insurance Co., Ltd. (China – Life insurance)
• Bangkok Life Assurance Public Company Limited (Thailand–Life insurance)
• Reliance Nippon Life Insurance Company Limited (India– Life insurance)
• PT Asuransi Jiwa Sequis Life (Indonesia – Life insurance)
• Grand Guardian Nippon Life Insurance Company Limited (Myanmar– Life insurance)
Asset Management-Related Businesses
• Nissay Asset Management Corporation (Japan – Investment management, investment advisory, and type II financial instruments services)
• Nippon Life India Asset Management Limited (IndiaInvestment advisory and discretionary investment contract services)
• The TCW Group, Inc. (USA – Investment advisory and discretionary investment contract services)
• Post Advisory Group, LLC (USA – Investment advisory and discretionary investment contract services)
• The Master Trust Bank of Japan, Ltd. (Japan – Trust banking services)
• Nippon Life Global Investors Americas, Inc. (USA – Loans and investment on behalf of Nippon Life)

What is Ningen Dock?
Ningen Dock Program: Inspired by ships at dock for maintenance, it offers comprehensive health assessments.
Preventive Medicine: Developed in Japan to identify health risks early, detect cancer and lifestyle diseases, and confirm overall health status.
Diagnostics: Includes blood tests, chest X-rays, ultrasound scans, and optional advanced diagnostics like endoscopy, CT scans, and MRIs.
Health Outcomes: This proactive approach leads to better health and longer life spans, a cornerstone of Japanese healthcare.


*Excluding children.

Ningen Dock Scope of Coverage


• Exclusively available to expatriate employees (Non-U.S. citizens temporarily working in the United States)
• Covers annual employer-required routine physical exams and eligible services in the U.S.
• Option to include spousal coverage
• In-network and out-of-network: 100% of covered services up to $2,000 annually, with no deductible or copay.
• $4,000 buy-up option for enhanced coverage

Your NLB Global Coverage
• Direct access to over 1.3 million doctors, hospitals and walk-in clinics
• Multilingual team available for questions regarding plan benefits
• Assistance locating hospitals, doctors and specialists near you
• Help with finding health care services
• Assistance with prescription medications, medical devices, and second opinions
• Personalized assistance for managing chronic or complex health conditions and coordinating care among your medical providers
• Customer service team support for help with claims management and submission in multiple languages



Ningen Dock Coverage

Members present their Ningen Dock ID card at their provider's office.
If the provider is in-network, no further action is needed is needed by the member.



Out-of-network providers may require upfront payment from the member, who can then submit a claim to NLB for reimbursement.
In-network and out-of-network: 100% of covered services up to $2,000 annually, with no deductible or copay.


Ningen Dock Covered Tests and Examinations
Category Covered Tests and Examinations
Physical Examination
Body Measurement
Audiometry
Ophthalmologic Exam
Respiratory System Exam
Periodic Comprehensive Preventive Examination
Complete Physical Examination
Intake Analysis of Medical Questionnaire
Ningen-Dock Results Report
Depression Scale
Height Measurement
Weight Measurement
Body Mass Index
Air Displacement Plethysmography (ADP)
Pure-Tone
Audiometry (R・ L)
Eyesight (R・ L)
Ocular Fundus (R・ L)
Eye Pressure (R・ L)
Chest X-ray
Spirometry
Sputum Exam


Ningen Dock Covered Tests and Examinations
Category Covered Tests and Examinations
Cardiovascular System Exam Blood Pressure
Cardiac Electrogram (at rest)
Carotid Ultrasound

Digestive System Examination Upper Gastrointestinal X-ray, Upper Abdominal Tests, Esopho-Gastro-Duodenoscopy, Colonoscopy (Esophagus, Stomach, Duodenum, Large Intestines), Abdominal Ultrasound, (Liver・ Gallbladder・
Pancreas・ Kidney), Rectal Examination, Gastroscopy (Esophageal or Nasal), Ova and Parasite Test
Urinalysis
Ph, Specific Gravity, Protein, Ketones, Nitrite Glucose, Occult Blood, Bilirubin, Urobilinogen
Stool Test Occult Blood in Stool
Urinary System
Gynecologic Examination
Prostatic Examination
P S A
Kidney Ultrasound Sedimentation
Pap Smear
Mammogram
CA125 (Ovarian Tumor Marker)
Estradiol (blood test)
Post Menopausal (FSH)
Transvaginal Ultrasound

Ningen Dock Covered Tests and Examinations
Category Covered Tests and Examinations
Comprehensive Screen Profile RBC Count
WBC Count Hemoglobin
Blood Biochemistry G O T
G P T
L D H r-G T P A L P
Pancreatic Function
Lipid
Serum Amylase
Hematocrit
Blood Platelet Count

Kidney Function BUN Creatinine
Protein Total
Direct Bilirubin
Blood Typing CA-19
CEA
Crawl Test
HIV/AIDS Test
Leukemia Blood Test

Ningen Dock Covered Tests and Examinations
Category Covered Tests and Examinations
Gout
Hepatitis Panel
Lipid
Uric Acid
Hepatitis A Antigen
Hepatitis B Antigen
Hepatitis B Antibody
Total Cholesterol
Triglycerides
Thyroid
HCV Hepatitis C Antibody
Syphilis Test
L D L Cholesterol
H D L Cholesterol
T S H
Thyroid Ultrasound
Misc. Venipuncture
Specimen Collection
Iron
Phosphate
C-Reactive Protein
Rheumatoid Factor
Vitamin D Hydroxy
Dexa Scan Calcium Sodium
Chloride
Chlamydia
CT Scan

Gonorrhea
Herpes
HPV Test
Lower Extremity Ultrasound and Color Doppler
MRI/MRA



