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As Myanmar’s preferred insurer, we are committed to leading by example in environmental responsibility. We have initiated key initiatives to make our planet a better place to live, including reduction in plastic waste and making our office a paper-less environment.
Tree Plantation
Ensuring our environment remains green is everyone’s responsibility. Tree-plantation initiatives have been part of our anniversary projects to mark our yearly achievements. Planting trees contributes not only to reducing carbon dioxide levels, but also to soil conservation, water retention, and preserving biodiversity. As part of our commitment, we will continue to expand our tree plantation initiatives, knowing that it can have a lasting impact on the environment for generations to come.
Plastic Waste Reduction
With plastic pollution becoming a critical global issue, it is crucial to take action to combat it. Our campaign to reduce plastic waste is dedicated to educating our employees, customers, and the broader community about the necessity of cutting down on single-use plastic and encouraging recycling. As part of our efforts, we have replaced plastic bottles with glass water bottles and mugs in all office spaces. Through this initiative, we aim to lessen the environmental damage caused by plastic waste and promote a more sustainable future.
Energy Conservation
Emphasizing energy reduction and efficiency, we prioritize environmental sustainability and operational cost savings. Our initiatives include installing motion sensor lights to optimize energy usage, ensuring lights are only on when needed. We also promote the use of economy flight classes for business travel to minimize our carbon footprint. Additionally, encouraging employees to adopt energy-saving practices helps foster a culture of sustainability. These efforts underscore our commitment to sustainable operations and a greener future.
Paperless Office Initiative
AYA SOMPO is committed to reducing paper consumption and promoting digital workflows to transform our office into a paperless environment. Utilizing technologies like PowerApps for payment approval and administrative tasks, along with other streamlined system, we have improved document management, electronic communication, and digital archiving. This transition minimizes our ecological footprint while enhancing operational efficiency and productivity. Over the past six years, we have reduced A4 paper usage by 88%, preserving over 2,000 trees. Our efforts highlight our commitment to environmental responsibility, inspiring positive change, and fostering a sustainable future.
These initiatives reflect our dedication to sustainable practices and our role in shaping a brighter, greener future for Myanmar and beyond. Through continuous innovation and responsible stewardship, AYA SOMPO is committed to making a lasting impact on both society and the environment.
At AYA SOMPO, our dedication to social responsibility is one of our key objectives. We are committed to making a lasting positive impact on the communities we serve through initiatives that promote quality job creation, diversity and inclusion, health and wellness, and social investments. Here is how we have contributed this year:
Quality Job Creation: Recognizing the importance of employment opportunities in promoting economic growth and social stability, we have partnered with educational institutions to implement initiatives aimed at enhancing employability. We have established scholarship programs in partnership with educational institutions to provide financial support, gain valuable work experience, develop industry-specific skills, and enhance employability, setting them on the path towards successful careers.
Diversity and Inclusion: Promoting diversity and inclusion in our workforce is a priority. Through inclusive hiring practices, comprehensive diversity training, and fostering a supportive and equitable work environment, we ensure that employees from all backgrounds feel valued and respected. Our goal is to create a workplace where everyone can thrive and contribute to our collective success.
Health and Wellness: The health and well-being of our employees are our top priority. We offer comprehensive healthcare benefits, wellness programs, and initiatives that prioritize both physical and mental health. One initiative was providing our newly launched AYA Health Insurance by offering cost-sharing with a subsidized amount by the company and the option of monthly installment payments, making healthcare more accessible to our employees and contributing to a healthier workforce and community.
Social Investments: We actively invest in social impact projects, charitable activities, and community development initiatives that address critical social challenges. By supporting these projects, we aim to create positive change in society and contribute to the sustainable development of our communities.
At AYA SOMPO, we are proud of our social commitment and the positive changes we are driving. Our ongoing efforts in job creation, diversity and inclusion, health and wellness, and social investments reflect our dedication to building a better future for our employees, communities, and society as a whole.
At AYA SOMPO, robust corporate governance is the cornerstone of our success. We are committed to fostering transparency, accountability, and ethical conduct, which are vital to maintaining stakeholder trust and ensuring sustainable growth. This year, we have further refined our governance practices to align with our strategic objectives and uphold our corporate values.
Board of Directors
Our Board of Directors plays a critical role in shaping the strategic direction, managing risks, and overseeing the performance of the company. Composed of experienced professionals with diverse backgrounds, our Board provides invaluable insights and expertise to our decision-making processes. Regular Board meetings and annual general meetings allow us to review company performance, discuss strategic initiatives, and refine our governance practices. The Board ensures that our actions align with our corporate values and objectives, promoting responsible and sustainable growth.
Cultivating an Ethical Culture
At AYA SOMPO, we prioritize ethics and integrity as fundamental principles guiding our operations. Our robust Code of Conduct clearly outlines the ethical standards expected of every employee, promoting a culture of transparency, respect, and accountability. Through continuous training and ethical awareness initiatives, we ensure that our team consistently adheres to these high standards. This unwavering commitment to ethical practices not only enhances our corporate reputation but also strengthens the trust and confidence our stakeholders place in us.
Proactive Risk Management
AYA SOMPO places a strong emphasis on proactive risk management as fundamental to our operations. We employ a comprehensive framework to systematically identify, assess, and mitigate risks across all areas of our business, integrating robust processes and controls to safeguard stakeholder interests and ensure long-term stability. Continuous improvement and oversight by the Board and Management Committee ensure our readiness to address emerging challenges effectively, maintaining a secure operational environment and bolstering stakeholder confidence.
Audit and Compliance
At AYA SOMPO, we maintain rigorous standards in audit, risk, and compliance to uphold transparency and accountability throughout our operations. Our dedicated team conducts independent evaluations of our controls and risk management processes, identifying areas for improvements. We foster a proactive approach to compliance, continuously updating our practices to meet evolving standards and mitigate risks effectively. Our collaboration with external auditors further enhances the integrity of our financial reporting and internal controls, providing stakeholders with assurance of our commitment to sound governance practices.
Stakeholder Management
Stakeholder management at AYA SOMPO is integral to our commitment to transparency and collaboration. We value our relationships with all stakeholders including customers, employees, regulators, and the communities we serve and strive to engage with them openly and responsively. Through active communication channels and feedback mechanisms, we listen attentively to their needs and concerns, incorporating their perspectives into our decision-making processes. This proactive engagement not only strengthens mutual understanding but also enables us to deliver solutions that resonate with stakeholders’ expectations. By fostering these meaningful connections, we build trust, enhance satisfaction, and drive sustainable value across our stakeholder network.
AYA SOMPO is dedicated to evolving our governance practices to meet the highest standards. We actively monitor changes in regulatory requirements and industry trends, implementing necessary adjustments to our governance framework. This commitment to continuous improvement ensures that we maintain the trust and confidence of our stakeholders, driving long-term value creation and sustainable success.
AYA SOMPO is committed to environmental sustainability by reducing its environmental impact through responsible business practices. Our initiatives include promoting digital insurance services and electronic policy documents to reduce paper usage, improving operational efficiency, and integrating environmental risk considerations into our business and underwriting processes. These efforts support our long-term commitment to sustainable development in Myanmar.
AYA SOMPO supports the Social pillar of ESG by investing in people and communities across Myanmar. Our initiatives include providing scholarships, offering internship and learning opportunities for young talent, and implementing corporate social responsibility (CSR) programs that promote education, community well-being, and social development. Through these efforts, we aim to create a positive and lasting impact for our employees, customers, and the communities we serve.
AYA SOMPO follows strong corporate governance practices based on transparency, accountability, and regulatory compliance. We maintain strict anti-bribery and anti-corruption policies, protect customer data and privacy, comply with applicable financial regulations, and promote ethical business conduct to ensure fair treatment of policyholders and stakeholders.
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Daw Thazin Aung
Non-Executive Director
Daw Thazin Aung is a Non-Executive Director of AYA SOMPO Insurance, a joint venture company between AYA Myanmar Insurance and Sompo Japan Insurance Inc., and a member of AYA Financial Group.
Daw Thazin Aung presently holds the position of Chief Executive Officer of AYA Bank PCL. In her capacity with AYA Bank PCL, she takes charge of business development management and making strategic decisions to ensure the Institution’s sustainable and profitable growth.
In addition to her role as Chief Executive Officer, she also holds several positions within AYA Financial Group. With AFG, she takes charge of AYA Trust Securities Co., Ltd. as the Managing Director for Capital Market Activities including securities brokerage and Corporate Finance Transactions. From her capacity with Corporate Finance activities, she oversees and monitors diversified investment portfolios that include existing, on-going, and new business ventures of Chairman’s investment office as well as new Mergers and Acquisitions, Joint Ventures with Potential Partners for AYA Financial Group’s entities and/or investment in new ventures. She holds a master’s degree in business administration (Corporate Finance) from Nottingham Trent University. Before joining AYA Financial Group, she was a PwC Advisory Partner and local Lead Director/Partner for PwC Myanmar. She has over 16 years of professional experiences including 11.5 years with PwC Singapore and PwC Myanmar for audit, financial advisory and consulting and 5 years in the Maritime service industry in Myanmar.

Mr. Taichi Yamamoto
Director
Mr. Taichi Yamamoto is a Board of Director at AYA SOMPO Insurance. Mr. Taichi Yamamoto has held various senior management positions both in Japan and overseas, including as a Director, Senior Vice-President for Business Operations and Chief Risk Officer at PGA Sompo Insurance Corporation (Manila), and a Managerial position at Sompo Japan Insurance (Singapore) Pte Ltd. He has a vast experience in insurance business and has been with the Sompo Group since 1997.
Mr. Taichi Yamamoto is currently managing SOMPO P&C Office at Sompo Holdings, Inc. (Tokyo) since June 2025. He holds a Bachelor of Economics from Tokyo University, Japan, and Master of Business Administration (MBA) from Hitotsubashi University, Japan.

U Myo Min Thu
Chief Executive Officer
U Myo Min Thu is the Chief Executive Officer of AYA SOMPO Insurance, a leading general insurer in Myanmar, and a joint-venture between AYA Myanmar Insurance and Sompo Japan Insurance Inc. Since 2019, he has led the company’s strategic growth and transformation, strengthening its market leadership through digital innovation, operational excellence, and customer-focused solutions. With over 15 years of leadership experience across the insurance, banking, and aviation sectors, he brings a strong track record of building and scaling businesses in emerging markets.
Under his leadership, AYA SOMPO Insurance has strengthened its position as a market leader, with a focus on digital innovation, operational excellence, and customer-centric insurance solutions that expand access to insurance services across the country.
Prior to his current role, U Myo Min Thu had held management positions in Singapore and overseas, where he developed deep expertise in managing teams from different cultural backgrounds, focusing on commercial strategy, operations, and organizational transformation. He brings to the country his wealth of knowledge, international exposure, and experience. He holds a bachelor’s degree in Banking and Finance from the London School of Economics and an MBA from Edinburgh Business School (Heriot-Watt University). Passionate about advancing inclusive financial services, he is committed to shaping the future of Myanmar’s insurance industry by building resilient, digitally enabled organizations.

U Than Zaw
Vice Chairman
U Than Zaw is the Vice Chairman of AYA SOMPO Insurance, a joint venture company between AYA Myanmar Insurance and Sompo Japan Insurance Inc., and a member of AYA Financial Group.
U Than Zaw played a pivotal role in establishing AYA Myanmar Insurance (AMI) as the Managing Director when the market liberalized for private insurers in 2013. He was appointed as the Managing Director to AYA Bank from 2011 to 2013 and presently holds the position of Vice Chairman at AYA Bank PCL. During his tenure, he has led the emerging bank in expanding its brand presence and branch network across Myanmar.
U Than Zaw’s extensive experience includes eight years as Treasurer of the Myanmar Olympic Committee and two years as Chief Executive Officer of the Myanmar Football Federation. He has been instrumental in strengthening systems and procedures through proactive initiatives and continues to provide Board-level guidance on policies and practices to ensure the company remains fully compliant with stipulated laws and regulations.

U Zaw Zaw
Chairman
U Zaw Zaw is the Chairman of AYA SOMPO Insurance, a joint venture company between AYA Myanmar Insurance and Sompo Japan Insurance Inc., and a member of AYA Financial Group.
U Zaw Zaw is an established and well-connected entrepreneur and business leader in Myanmar, with over 30 years of management experience. With a combination of overseas experiences and personal strengths, U Zaw Zaw founded Max Myanmar Company in 1993 and AYA Bank in 2010. His achievements include steering the management and growth of AYA Financial Group and Max Myanmar Group of Companies, major conglomerates in Myanmar. He is also the Founder and Chairman of AYA Bank PCL, one of the country’s largest and leading banks in Myanmar.
He is currently serving as the President of the Myanmar Football Federation since 2005 and Senior Vice President of the Asian Football Confederation (AFC). He relentlessly provides both funding and effort for the development of football in Myanmar. As a firm believer of contributing to the society and helping the needy, he has supported various philanthropic causes through the Ayeyarwady Foundation, including the Yankin Children Hospital, Ayeyarwady Covid-19 Center, and a wide range of corporate social responsibility initiatives nationwide.
Health Bonus
Up to 10% of renewal premium from the first renewal year onward if no claim is made in the previous year
| Renewal Period | First Year | Second Year Onward |
| Health Bonus % | 10% | 5% |
Choose from the following types of AYA Health Standard Plans to suit your needs!
AYA Health Plus
AYA Health Pro
AYA Health Prestige
AYA Health Prime
We also provide corporate customers with versatile health insurance solutions as Cafeteria Plan, meticulously customized to align perfectly with your unique needs. Regarding the purchase of the Cafeteria Plan, only the rules, regulations, and decisions of AYA SOMPO Insurance Co.,Ltd are considered final.
| Table of Benefits (in MMK) | AYA HEALTH | |||
|---|---|---|---|---|
| PLUS | PRO | PRESTIGE | PRIME | |
| Maximum Benefit PRIME Plan only : Additional Limit of up to 44,000,000 MMK, applies to Thailand Zone |
11,000,000 | 11,000,000 | 11,000,000 | 11,000,000 |
| Medical and Hospital Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
| Ambulance Services | 165,000 | 165,000 | 165,000 | 165,000 |
|
Hospitalization Costs
|
Full Refund | Full Refund | Full Refund | Full Refund |
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| Chronic Conditions | ||||
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Maternity Cover (10 Months Waiting Period)
|
Nil | Nil | Nil | 1,100,000 |
| Thailand Zone | ||||
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Nil | Nil | Nil | 44,000,000 |
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| Outpatient Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
| Physicians fees, Prescription Drugs and Dressings Specialist and Consultant Fees Diagnostic tests, medical scanning and imagery services |
220,000 | 440,000 | 660,000 | 660,000 |
Optical Care
|
Nil | Nil | Nil | 220,000 |
| Dental Care Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
Dental Treatment Dental Surgery |
Nil | Nil | Nil | 220,000 |
| Personal Accident Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
Accidental Death Loss of Sight or Loss of Limb Permanent Total Disablement |
11,000,000 | 11,000,000 | 11,000,000 | 11,000,000 |