Nationale-Nederlanden, company of the NN Groupoffers protection, retirement and savings and investment solutions To about 850,000 customers across Spain. A large percentage of all these people are so-called ‘senior public‘, For this Nationale-Nederlanden agency network. This is explained in this interview by Alex Bogman, the company’s executive vice president and commercial director.
They recently launched a health and casualty insurance targeting the senior public. How do you think the insurance market, especially health insurance, will develop in the coming years?
vulnerability of the elderly and you need to feel protected At this stage, with the high costs of private health insurance after a certain age, Of course like senior with youOur new offering to the market adds great value to this sector of society.
And it’s not health insurance, it’s a different concept that combines health and protection at a very competitive price, including home care services, family and geriatric medicine unlimited medical consultations, specialist consultations, podiatry sessions and mammography diagnostic testing. or an annual prostate ultrasound, dental insurance and other coverage in case of potential health problems. Additionally, in the event of an accident, Contigo Senior customers will receive diagnostic capital and the support of the best professionals to assist them so that they can adapt to their new temporary situation as easily as possible. gets better. and in the care of your home.
In a country like Spain with an aging population, provide older people with tools that help them live better and maintain their autonomyso that they and their families can continue to experience the inner peace they need. This is the goal we pursued with Contigo Senior.
Speaking of the elderly, it seems that the culture of saving for retirement is not well established in our country. Why is it so hard for us Spaniards to save money when we can afford it? What kind of solutions do you offer at Nationale-Nederlanden in this regard?
The answer to the first question is simple: financial education. It is the big challenge for Spaniards and the key to reducing the economic risks associated with the increase in life expectancy. We recently published the results of the study “Longevity: Are we Spaniards ready for a long, happy and healthy life?”It can be concluded that 46% of those surveyed at Nationale-Nederlanden do not know how much money they need to save for the future, and 13% do not have sufficient financial knowledge to do so. or don’t know where to start in 12% of cases. The data revealing this We need to develop our financial culture in order to make the best decisions, assess risks and achieve prosperity. In this sense.
But despite these results, luckily this is changing, albeit slowly, and more and more companies like ours are getting involved in finance training.
Companies play a fundamental role because, on the other hand, they are starting to realize this. offering products to supplement the public pension may become mandatory in a few years, as already in other neighboring countries. The next step is for them to include these products in their compensation packages.
The closure of commercial offices in the banking and insurance sector as a result of digitization is a growing trend, predominantly affecting the older age range. How does this topic come up in the Nationale-Nederlanden? How does the company’s business structure adapt to the challenges of digitalisation?
Through innovation, we apply new data processing and artificial intelligence techniques with human relations and the world. more personalized service provided to customers by the insurance agent figureIt allows them to react and even anticipate their needs by adding value and making a difference compared to other companies in the finance and insurance industry that have chosen to close their offices to go 100% digital.
We, on the contrary, since 2019, We have made great changes in terms of innovation and digital transformation.happening new commercial office models We are opening in our country. We are committed to new technologies, transforming our offices into avant-garde and comfortable spaces equipped with state-of-the-art digital screens that have become another communication channel with the customer and enable us to present. insurance agentsa much more efficient and personalized service, powerful and consolidated social digital strategy. Because we are a digital company, but our insurance agents continue to play a key role in our customer relationship model.
Could you briefly talk about the future plans of the company?
Continue to achieve the goals we set for ourselves with our new corporate strategy, which includes: keep optimizing our commercial networkthrough the combination of technology with human therapy provided by the insurance agent and we consolidate ourselves in the protection segment. This is our priorities along with our passion to continue to deliver the best customer experience.