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Employee Benefits for Foreign-Owned Banks We excel at navigating employee benefits for foreign-owned companies because we are one. Since 1991, Nippon Life Benefits has delivered customized benefits with exceptional service, offering full Medical, Dental, Vision, Life, and Disability coverage, as well as multilingual support, to foreign-owned companies in the U.S.
As a U.S. subsidiary of Nippon Life Insurance, we’re backed by one of the world’s largest mutual life insurers, with $656B in assets¹ and an A+ (Superior) from AM Best
Our flexible coverage offers a range of plan options for quality care and essential support when it matters most. We deliver competitive rates, extensive provider networks, and exceptional customer service, tailored to meet diverse needs and budgets.
Medical Plan Options
• PPO Plans: Customizable deductibles, coinsurance, copays, and out-of-pocket options • High-Deductible Health Plans (HDHP) provide high-quality, cost-effective coverage to save premium dollars and promote health advocacy
Aetna Signature Administrators® (ASA)
• National PPO network with over one million physicians and 6,400 hospitals, and NCQA-accredited Private Healthcare Systems (PHCS) • One of the largest PPO networks with over one million providers and 4,600 hospitals. nationwide access, NCQA and URAC-accredited
Benefits Highlights
Prescription Drugs: Prescription drug benefits are provided through CVS Caremark, with over 60,000 participating pharmacies nationwide. Lab Testing Benefits*: We offer fast, accurate outpatient lab work through Quest Diagnostics®, the nation’s leading provider of diagnostic testing. • No-cost outpatient lab testing, covering all approved services, no deductibles, copays, or coinsurance • Significant discounts on outpatient lab testing for HDHP members Teladoc® 24/7 access to U.S. board-certified physicians for non-emergency medical and mental health issues via phone or video Aetna International: Medical & prescription coverage for traveling outside the U.S., included in all plans
1. *2025 Nippon Life Annual Report. 2. AM Best Credit Rating. Nippon Life Insurance Company of America (Nippon Life Benefits) is responsible for its own financial condition and contractual obligations. Products quoted by Nippon Life Benefits are underwritten by Nippon Life Benefits (NAIC number 81264). Nippon Life Benefits is licensed & authorized in all states and DC, except not ME, NH or WY; domiciled in Iowa, with a principal place of business at 666 Third Avenue, Suite 2201, NY, NY 10017; and a member company of Nippon Life Insurance Company of Japan.