UR Doctor and Japan Cancer Financial Planners Association Jointly Announce "Human Capital Risk Management Model" Connecting Preventive Medicine to Work-Life Balance and Financial Support

UR Doctor Inc. (Chuo-ku, Tokyo; Representative Director: Takamichi Karasawa) and the Japan Cancer Financial Planners Association (JCFP) (Chuo-ku, Tokyo; Representative Director: Takuto Kawahara; Operated by Precision Financial Inc.) have jointly announced a "Human Capital Risk Management Model." This model aims to address disease-originating human capital risks within companies by providing seamless support from preventive medicine to work-life balance assistance and financial support for employees diagnosed with cancer. JCFP's core mission is to resolve "Financial Toxicity" by establishing a specialized foundation to support the lives and choices of individuals facing cancer.

Against the backdrop of labor shortages due to the declining birthrate and aging population, and increased interest in human capital management, companies must view employee health issues not merely as welfare benefits, but as critical themes directly linked to business continuity and corporate value. In particular, illnesses such as cancer lead to complex management challenges, impacting not only the individual's treatment and life but also resulting in turnover, presenteeism, decreased productivity, management response issues, and household financial anxiety. This collaboration is designed to create a unified corporate support structure that does not compartmentalize everyday prevention, visualization, and early detection from, in times of need, continued employment, consultation, and financial support. This approach in the health management domain is based on the idea that instead of traditional welfare benefits or insurance appeals, the focus should be on preventive medicine infrastructure, sophistication of health management, and productivity improvement.

UR Doctor Inc. supports companies in creating environments where employees can manage their health while balancing work, through visiting preventive medical services and the utilization of health data. This is expected to ensure opportunities for medical examinations, visualize health status, facilitate early detection of diseases, and promote behavioral changes. Conventionally, health check-ups and comprehensive medical examinations incurred unseen burdens for companies due to business interruptions caused by travel to medical institutions and waiting times. The system that allows examinations to be conducted in the office contributes to both reducing this burden and improving examination rates. Additionally, continuous management of health information and the establishment of consultation channels lead to better understanding of employee conditions and practical follow-up systems for companies.

Meanwhile, JCFP promotes the creation of environments where employees can continue working even in unforeseen circumstances, through cancer literacy education, work-life balance support during cancer treatment, assistance with utilizing public systems, household financial outlook support, and decision-making support. JCFP's basic plan defines Financial Toxicity not only as direct financial burdens like medical expenses but also as a structural problem involving a chain reaction of employment restrictions, income reduction, changes in household structure, complexity of system responses, and uncertainty of future prospects. Furthermore, JCFP and its certified cancer specialized FPs (Cancer FP®) clearly state their position as not performing medical acts, but rather providing support in the areas of lifestyle, systems, employment, household finances, and information outside of medical care.

The characteristic of the model presented by both parties is that they redefine the target of corporate management not as "the disease itself," but as human capital risks arising from the disease. Specifically, risks such as unexamined health check-ups, dropping out of precise examinations, difficulty in continuing employment during cancer treatment, Financial Toxicity, presenteeism, and health information management are organized. For each, a structure is adopted that captures preventive/mitigation measures, operational KPIs, changes in employee behavior, final risk indicators (KRI), and management results/corporate value in a series. This aligns with the concept, recently organized by JCFP, that "corporate risk should be understood by its ignition point and loss structure."

Concurrent with this announcement, we have also released the "Corporate Human Capital Risk Management Map." This map visualizes, starting from major human capital risks, preventive/mitigation measures, operational KPIs, changes in employee behavior/condition, final risk indicators (KRI), and management results/corporate value. This enables companies to position health measures not as isolated initiatives, but as a management infrastructure that leads to the maintenance and promotion of human capital, prevention of turnover, improvement of productivity, and enhancement of reliability.

Going forward, UR Doctor Inc. and JCFP will sequentially advance joint program development for corporations, conduct seminars and webinars on health management and cancer literacy, verify operations with adopting companies, and develop case studies. We will promote social implementation as a practical model for companies to confront employee health issues as core human capital management challenges, rather than dismissing them as "self-responsibility" or "individual problems." JCFP's basic plan also outlines a vision for building a new support model that connects with local communities, businesses, medical institutions, and local governments to support a society where people can live with cancer. We will also support effective corporate actions for cancer control promotion.

Human Capital Risk Management Map

Representative Director, UR Doctor Inc.