apanese ICMIF member JCIF (the Japan CO-OP Insurance Consumers’ Co-operative Federation) has a membership made up of about 150 consumer cooperatives (coops) whose main business is product supply by home delivery or at stores; Kyosai (the name for cooperative insurance in Japan); medical and welfare business; and is a national federation that specializes in Kyosai business for general consumer cooperative members. The CO･OP Kyosai, JCIF’s product, is mainly made up of medical insurance and life insurance products, with  8.92 million cooperative member policyholders.