The present invention provides a personal information management system, a personal information management program and a personal information protecting method capable of storing personal information in consideration of security protection and facilitating utilization of the stored information. A personal information management system for handling personal information has a function of connection to a personal information dispersion management server that provides functions of encrypting personal information by the secret sharing scheme and decrypting the encrypted personal information with an index key for decrypting. The system has a search keyword management database storing the index key for decrypting and a personal information managing apparatus. When a request for storing personal information requiring security protection is generated, the personal information is divided and stored in the personal information dispersion management server, and the personal information is stored so as to be associated with the index key for decrypting into the search keyword management database.