News

Achmea expands its activities in Cyprus

Fri, 04 Sep 2026 17:30:00 +0200

Achmea is expanding its existing activities in Cyprus. Interamerican, the Greek subsidiary of Achmea, is taking over the non-life insurance portfolios of the Cypriot direct insurer Gan Direct Insurance, doubling its portfolio in Cyprus. As a result of this acquisition Interamerican, which is already active in Cyprus with its digital direct insurance platform Anytime, will reinforce its role as one of the leading insurers in the Cypriot market.

Gan Direct Insurance has been operating in Cyprus since 1994 and has built a strong reputation as a direct insurer, allowing customers to purchase insurance without intermediaries.

The acquisition underlines Achmea's growth strategy in non-life insurance through direct and digital channels. Robert Otto, member of the Executive Board of Achmea: “This portfolio acquisition is in line with our international ambitions. Gan Direct has built a strong name in Cyprus in direct, digital non-life insurance. By adding these portfolios to our operations, we are strengthening our position and accelerating growth in the region.”

Market leader and growth strategy
Achmea is the market leader in non-life insurance in Greece with Interamerican. In Greece and Cyprus, Interamerican offers online insurance directly under the Anytime brand. And since last year also in Romania.

The acquisition will be submitted to the local regulator for approval.

Achmea reports strong results and is well on track with its strategy 2030

Thu, 13 Aug 2026 07:30:00 +0200

Operational result decreased slightly to € 492 million, including the impact of severe thunder and hailstorms at the end of June.
Net result increased significantly to € 688 million, supported in part by favourable developments on the financial markets.
Solvency increased to 217%, driven by high OFCG of € 1.0 billion, supported by strong business performance, the reinsurance of longevity risk at Pension & Life and the new internal capital model at Achmea Bank.
Premium volume excluding pension buy-outs was slightly higher at € 23.7 billion, assets under management increased to € 275 billion.
Strategy 2030 well on track, supported by the announcement of a new structure of our distribution organisation, the reinsurance of longevity risk, the scaling of AI across Achmea and a successful start with direct car insurance in Romania.
Continued high customer satisfaction with strong NPS scores for Centraal Beheer (+26),
Interpolis (+20) and Zilveren Kruis (+18).
Ambition for impact investments increased to 15% by 2030; the share of impact investments within the portfolio now stands at 12.5%.

Bianca Tetteroo, chair Executive Board:
"We have made a strong start to the year. We helped many customers, welcomed new customers and realised strong financial results. Thanks to the dedication and commitment of our colleagues, we are successfully delivering on our Next Level strategy towards 2030. With a sharp focus on execution, we are achieving tangible results and are well on track. I would like to explicitly thank our colleagues for their contribution.

With our strategy, we respond to a world that is changing constantly. Guided by our vision 'Sustainable Living. Together' and our cooperative roots, Achmea stands at the heart of society. Together, we work each day on solutions that support people, both now and in the future.

This was clearly demonstrated during the severe thunder and hailstorms at the end of June, which caused damage to more than 12,500 customers. We immediately scaled up our capacity to ensure that they received prompt and effective support. We also help our customers reduce the future risks associated with extreme weather. For example, Centraal Beheer customers gained access to a ‘Climate Compass’ in the app, providing insight into climate-related risks and measures they can take for their homes and local environment.

On track with strategy 2030
During the first half year, we continued to make important progress on this strategy and further strengthened our market position:

As of January, we reinsured half of the longevity risk. This transaction covered approximately € 8 billion of pension liabilities. By doing so, we free up capital to support pension funds with buy-outs and further optimise the investment portfolio.
In May, we announced the establishment of a new distribution organisation. By bringing our activities together and placing a strong emphasis on data-driven and personalised customer contact, we are strengthening our commercial capabilities and taking customer service to an even higher level.
We are accelerating the use of AI technology across all our core processes, creating tangible value for customers, such as faster claims handling. The decommissioning of the mainframe in June marks an important next step in modernising our IT landscape and supports the further scaling-up of AI. We are investing significantly in our colleagues' AI expertise, enabling us to fully harness the power of AI for our customers, employees and Achmea.
We further strengthened our market leadership in the Netherlands and continued to build out our international business, with a focus on direct digital non-life insurance. In Romania, the commercial roll-out of Anytime, which started last year, is progressing successfully. In Slovakia, we announced the sale of our health activities. This creates opportunities to further accelerate the growth of our international non-life portfolios.

Strong result
We achieved an operational result of € 492 million (-13%). Lower results at Non-Life and Health were partially offset by higher results in the International, Retirement Services and Pension & Life segments.

At Non-Life, the operational result declined to € 165 million (-25%), partially due to damage claims resulting from the thunder and hailstorms at the end of June. Premium income increased further to € 3 billion (+4%), supporting our market-leading position.

At Pension & Life, the operational result increased to € 151 million (+15%), primarily driven by increased scale and the combination with Lifetri. In addition, we realised growth of 7% in annuities and term life insurance.

In International, the operational result more than doubled to € 99 million, driven by strong commercial growth and improved margins. Premium volume increased to € 1.3 billion (+7%).

Retirement Services reported an increase in the operational result to € 39 million, partially due to a higher contribution from Achmea Bank and the loss provision for Achmea Pension Services from 2025. Revenue increased to € 295 million (+8%) and assets under management rose to € 275 billion (+6%).

At Health, the operational result declined to € 99 million (-55%) as a result of increasing healthcare costs. Premium income increased slightly to € 19 billion (+2%), despite a decline in the number of policyholders. We maintained our position as market leader.

Net result for the first six months increased significantly to € 688 million (+80%), supported by the strong operational result and favourable developments on the financial markets.

Our Operational Free Capital Generation (OFCG) amounted to € 1,036 million, significantly higher than last year (+215%). This increase resulted from strong results, the longevity reinsurance at Pension & Life and the new internal capital model at Achmea Bank. As a result, our solvency increased to 217%.

Sustainable Living. Together
Through our investments, we contribute to addressing societal challenges such as climate change and the energy transition. As such, we increased our ambition for impact investments, where financial and societal returns go hand in hand, from 10% to 15% of our own investment portfolio by 2030. The share of impact investments now stands at 12.5% of the portfolio (€ 5.2 billion), with which we are on track.

Achmea Real Estate acquired two residential rental complexes that will be made more sustainable. Residents will benefit from lower energy costs and increased living comfort. In addition, with more than € 500 million of committed investments on behalf of our clients, we are contributing to reducing the housing shortage.

Another way in which we create societal impact is through the campaign by Zilveren Kruis and the KNVB, which encourages dialogue about mental health challenges among young people. Absenteeism in the Netherlands continues to increase, partially due to mental health issues. It is therefore essential that we continue working together on solutions.

Closing remarks
At the beginning of July, our highly valued Supervisory Board member Tjahny Bercx passed away. Since his appointment in 2021, he served Achmea with great commitment and dedication. We are deeply grateful for his contribution and will remember him with great appreciation.

Further, I would like to express my heartfelt gratitude to Michiel Delfos for his commitment and valuable contribution to Achmea. As he prepares for his forthcoming departure, we wish him all the best for the future. At the same time, we look forward to welcoming his successor, Rogier Peters, as Chief Risk Officer and member of our Executive Board.

I am proud of the results we achieved in the first six months of the year. As highlighted earlier, these results would not have been possible without the dedication and commitment of our colleagues. Our ability to create impact is further strengthened through the close collaboration with our partners and shareholders Rabobank and Vereniging Achmea. Finally, I would like to thank our customers for the trust they place in Achmea and our brands. Together, we continue to create value and make a meaningful impact on society.”

Achmea Real Estate purchases over 500 homes on behalf of PME Pensioenfonds as part of the SoZa project in The Hague

Thu, 16 Jul 2026 09:00:00 +0200

On behalf of PME Pensioenfonds, Achmea Real Estate has purchased 517 homes and approximately 1,580 m² of commercial and community space in the SoZa project in The Hague from property developer and builder VORM. The homes are part of the redevelopment of the former Ministry of Social Affairs site on Anna van Hannoverstraat. A new urban district will be built there, comprising nearly 1,200 homes, offices and amenities.

The purchase includes three buildings containing a total of 114 student homes, 135 mid-range rental homes, and 268 private-sector rental homes. The project is expected to help increase the available housing for various target groups in The Hague. The site is located in the Central Innovation District (CID), right next to Den Haag Laan van NOI station. This purchase brings Achmea Real Estate’s (ARE) total investment volume on behalf of its customers this year to more than €500 million, which includes previous investments in the residential projects Hibi in Amsterdam and Boogie Wood in The Hague.

Boris van der Gijp, Co-Chair of ARE: ‘This is a unique purchase. SoZa is one of the largest inner-city regeneration sites in the Netherlands, situated in a location steeped in the history of The Hague. The project combines affordable housing, student accommodation and private-sector rental properties in an easily accessible location. By doing this on behalf of PME Pensioenfonds, we are both creating an attractive investment and helping to address the housing shortage in the region.’

Marcel Andringa, Managing Director at PME: ‘This investment adds a significant number of homes to our portfolio. SoZa provides housing for various target groups in an area where there is high demand for residential accommodation. This means we are helping to meet housing needs in the Netherlands while also generating a stable long-term return for our participants.’

Hans Meurs, CEO of VORM: “It is precisely at a time such as this, when the need for housing is so great, that strong players must take responsibility. Achmea Real Estate’s investment in SoZa underscores the confidence in this location and in this partnership. During the first phase, in addition to the 517 homes for ARE, we are also building 251 social housing units. We expect to reach an agreement for these with a housing association in The Hague this summer. We are absolutely delighted about this and are full of energy as we continue to build this new neighbourhood.”

The zoning plan for SoZa has recently been finalised. Now that the site has been delivered, the existing building will be demolished to make way for the first phase of the project to commence. The homes are scheduled for completion in 2030.

Achmea announces sale of Slovak healthcare activities

Wed, 15 Jul 2026 08:25:00 +0200

Achmea and the Slovak health insurance company Dôvera signed an agreement to transfer all shares of the Slovak health insurance company Union zdravotná poisťovňa (UZP) from Achmea to Dôvera. UZP started in 2006 in the Slovak health insurance market and has developed strongly since then. It is now entering its next phase. Customers will benefit from greater scale, combined expertise, and the further development of affordable healthcare in Slovakia.

Achmea will remain active in Slovakia through Union, focusing on property & casualty (P&C) and life insurance. Union's P&C and life insurance company and health insurer Dôvera will enter into a partnership as part of which clients can benefit from a broader range of insurance solutions.

Robert Otto, member of Achmea’s Executive Board: “Dôvera is a strong local health insurer that can take the next strategic step. Both UZP and Dôvera have made a significant contribution to the Slovak healthcare system in recent years. With their combined expertise and larger scale, the combination is well positioned to further develop health insurance services and further enhance quality.”

For Achmea, the sale creates opportunities to accelerate growth in other portfolios in Slovakia and across other European countries. Achmea has subsidiaries in Greece, Türkiye and Australia and provides non-life insurance in Cyprus, Germany, Romania and Spain through online platforms. In addition, Achmea offers greenhouse insurance under the Hagelunie brand in several European countries, Australia and Canada.

The transaction is subject to approval by the relevant regulatory authorities. Closing is expected by the end of the year. Upon completion, the transaction will have a positive impact on the group solvency ratio of 2 percentage points.

Achmea mourns the loss of Supervisory Board member Tjahny Bercx

Mon, 06 Jul 2026 17:45:00 +0200

The Supervisory Board and the Executive Board of Achmea B.V. are deeply saddened by the passing of Tjahny Bercx. After a short illness, he passed away in Amsterdam on 2 July at the age of 63.

Since October 2021, Tjahny Bercx served as a valued member of Achmea's Supervisory Board. He also served on the Supervisory Boards of Achmea Schadeverzekeringen N.V. and Hagelunie N.V.

We will greatly miss Tjahny’s warm presence on our Supervisory Board. We are profoundly grateful for his significant contribution to our organisation. Through his strong commitment and positive spirit, Tjahny left a lasting impression.

Our thoughts are with his wife, children, and all those who were dear to him. We wish them strength to bear this immense loss.

On behalf of the Supervisory Board, the Executive Board and all employees of Achmea,

Jan van den Berg,
Chair of the Supervisory Board Achmea B.V.

Bianca Tetteroo,
Chair of the Executive Board Achmea B.V.

Achmea Pension & Life Insurance assumes pension liabilities of Kring ES Nederland from Centraal Beheer APF

Thu, 25 Jun 2026 17:45:00 +0200

Achmea Pension & Life Insurance has entered into an agreement with Centraal Beheer Algemeen Pensioenfonds for a collective value transfer in connection with the buy-out of the pension liabilities of the Kring ES Nederland and the associated assets. The transaction concerns the pension liabilities of approximately 500 members and related assets of € 270 million. This step is in line with Achmea’s ambition to expand its position in the pension buy-out market.

Kring ES Nederland was transferred to Centraal Beheer APF in November 2021. Within this scheme, pension benefits are accrued for employees of the affiliated employers, Enterprise Services Nederland and DXC Finance (IT services), who joined the companies before 2014.

The affiliated employers have decided to align future pension accrual with their other pension arrangements. As a result, the current scheme will become a less suitable administration structure. In consultations with the social partners, an alternative administration structure has therefore been selected that is better aligned with the future design of the scheme. The intention is to transfer all accrued and pension-in-payment entitlements built up to 1 October 2026 to an insurer through a collective value transfer. Employees will subsequently have the option to make an individual transfer of their pension rights to the provider of the defined contribution (DC) scheme.

Following a thorough assessment of the available options, service quality and costs, Centraal Beheer APF selected Achmea Pension & Life Insurance as the new pension provider. Pension benefits will see a one-time uplift by a percentage of the catch-up indexation and will subsequently be indexed annually in line with the European Harmonised Index of Consumer Prices excluding tobacco (HICPxT). Final certainty regarding both the one-time catch-up indexation and future annual indexation will only be available once the transfer has been completed. Pension benefits provided by Achmea Pension & Life Insurance are guaranteed.

Arthur van der Wal, Chairman of the Executive Board of Achmea Pension & Life Insurance: “I am delighted with this pension buy-out, which fits perfectly with our ambition to grow our presence in this market. We thank Centraal Beheer APF for the confidence they have placed in us. We warmly welcome the members of the Kring ES Nederland and will ensure a smooth and carefully managed transition."

Hans Klopper, Managing Director of Enterprise Services Netherlands: “We are pleased that, together with Centraal Beheer APF, we have achieved a sustainable and future-proof pension solution for the members.”

Janwillem Bouma, Chairman of Centraal Beheer APF, said: “As a pension fund, we place the interests of all our members at the heart of our decision-making. Through the buy-out with Achmea Pension & Life Insurance, we have found a sustainable and future-proof alternative for the members of the Kring ES Nederland.”

The transfer to Achmea Pension & Life Insurance requires a carefully managed process that will be undertaken jointly by all parties involved. Part of this process is the assessment by De Nederlandsche Bank of the proposed collective transfer of pension rights and obligations.

Dutch greenhouse horticulture expertise brought to Australia to protect against extreme weather

Wed, 17 Jun 2026 10:25:00 +0200

Australian greenhouse growers are set to benefit from specialised Dutch expertise to help them prepare for the impacts of climate change, including extreme weather. Through Achmea Farm Insurance in Australia, and in collaboration with Protected Cropping Australia, the national industry body for protected (greenhouse) horticulture, Hagelunie is bringing this expertise to Australian growers. Hagelunie is Achmea’s global specialist in greenhouse horticulture insurance.

The collaboration focuses on practical knowledge sharing between growers, clients and specialists in Australia and the Netherlands: how to strengthen greenhouses, limit damage and help businesses better withstand extreme weather. Achmea Farm Insurance is working closely with Hagelunie to bring that expertise to the sector.

“At Achmea, we are pleased to be working with growers and the wider sector in Australia to help strengthen business resilience, thereby contributing to Australian food production,” said Marie Groenhof, Global Head of Greenhouse Horticulture at Achmea.

Key role for greenhouses
The collaboration brings together Achmea’s expertise in insurance and prevention with the strong industry leadership of Protected Cropping Australia, the national industry body for the sector. Hagelunie’s specialist knowledge of risks in greenhouse horticulture will help growers better protect their greenhouses, employees, crops and infrastructure.

In Australia, a growing share of food is produced in greenhouses and other protected environments, can improve food production efficiency under the right conditions. The sector is worth more than € 2.7 billion and plays an important role in food supply and employment.

The Netherlands is a global leader in greenhouse horticulture
A key part of the collaboration is sharing knowledge and experience, drawing on international examples and practical solutions. Expertise from leading greenhouse horticultural countries, such as the Netherlands, is being shared with Australian growers. This includes knowledge on future-proof and resilient greenhouse structures that are better able to withstand climate risks such as extreme rainfall, storms, heat and drought. It also covers safe business operations, with a focus on successfully and safely implementing innovations that contribute to sustainable and efficient cultivation methods.

Through this collaboration, Australian growers gain better insight into how to strengthen their businesses and adapt to a changing climate. This aligns with growers’ need not only to insure against damage but, above all, to prevent it. At the same time, Hagelunie also gains valuable knowledge and practical experience from Australia through this collaboration, further strengthening its international expertise in greenhouse horticulture.

Through the partnership with Achmea Farm Insurance and Protected Cropping Australia, Achmea underlines the importance of working with partners to reduce risks, share knowledge and help growers respond to climate-related and other risks.

Peter Langenbach appointed new Division Chair of Zilveren Kruis

Thu, 28 May 2026 10:30:00 +0200

Peter Langenbach will be appointed Division Chair of Zilveren Kruis, Achmea's health insurer, with effect from 15 June 2026. He succeeds Georgette Fijneman, who will become CEO of PGGM Pensioenservices.

Peter Langenbach has served as Director of Healthcare Purchasing at Zilveren Kruis since July 2022. Prior to this, he was Chair of the Board of Directors of Maasstad Hospital in Rotterdam and a board member of Spijkenisse Medical Center. In addition, Peter is Associate Professor of Finance in Healthcare at TIAS Business School.

Bianca Tetteroo, Chair of the Executive Board of Achmea: "I am delighted that we have found a suitable internal successor for Georgette Fijneman so quickly. Over the past four years, Peter has made a significant contribution to the positioning of Zilveren Kruis and the further development of our healthcare purchasing strategy. He has extensive knowledge and experience in the healthcare sector and an innovative vision for how healthcare should be organised. This firmly safeguards Zilveren Kruis's strategic course. On behalf of the Executive Board, I wish Peter every success and fulfilment in his new role."

Achmea aims for next-level customer experience with one single distribution organisation

Thu, 07 May 2026 11:30:00 +0200

Early next year, Achmea will be merging the distribution organisations of its various brands into a single new division. By intensifying cooperation as one Achmea and combining commercial distribution power, Achmea will be able to respond more effectively to customers’ needs and further reinforce its market position.

Achmea operates through strong brands such as Centraal Beheer, Interpolis and Zilveren Kruis, each of which currently has its own teams for customer services and market approach. These will be brought under centralised management, while each brand will explicitly retain its own distribution strategy and brand identity. Activities within the scope of this change include commerce, distribution, marketing, branding, customer contact and online customer journeys. This transformation aligns with the way in which the brands are already cooperating in areas such as product administration and claims processing.

Strategy 2030
One of the four key choices of our Next Level strategy towards 2030 is to further expand our commercial edge, based on excellent customer experience. We focus on personalised customer interactions and respond to changing customer needs. By making optimal use of the latest technological innovations, we offer customers fast, smart digital options for arranging their affairs at their own convenience.

Maintaining high customer satisfaction levels
Lidwien Suur, member of the Executive Board: ‘These days, our customers count on better and better services: digital, available at every moment and providing solutions that fit their life or business. At the same time, technological developments – from data to GenAI – are advancing at a rapid pace. This requires clear choices. I am confident that we will become stronger by sharing our knowledge and experience, and by further enhancing our collaboration across all of our brands. We will be able to help customers faster and more effectively, which will serve to reinforce our brands. There will continue to be space for the features that make each brand unique. Combining our expertise will also help us to work in a more efficient and effective way. During the transformation process, we will maintain a strong focus on servicing our customers and distribution partners. This will facilitate healthy, sustainable growth in a challenging market and will help to keep customer satisfaction high.’

Overlapping functions
The transformation will lead to a decrease in the number of FTE due to reduced overlap between teams, the pooling of expertise, and the standardisation and automation of work methods and systems. Around 2,300 employees currently work in the business units that are in scope of the transformation. This number is expected to decline by around 15%, or approximately 350 FTE. Lidwien Suur: ‘We will make every effort to effectively support those employees whose work is affected by the change programme, and provide them with guidance in seeking other work where necessary.’ In total, Achmea employs more than 14,000 FTE in the Netherlands.

The goal is to put the new organisational structure into effect in the first quarter of 2027. The transformation plan is subject to the advice to the Central Works Council and will be further developed over the coming months.

Achmea publishes ambitious Climate and Nature Transition Plan 2026

Wed, 22 Apr 2026 08:30:00 +0200

Today marks Earth Day, an annual day in April when attention is drawn globally to the environment, nature and sustainability. For Achmea, it is the appropriate moment to share an update on our Climate Transition Plan. In this update, we broaden our focus beyond climate alone to also encompass nature and biodiversity. We set out how we are making concrete, action-oriented contributions to these important societal themes.

The Climate and Nature Transition Plan 2026 sets out how we are delivering on the first pillar of our sustainability ambitions: accelerating the transition to net zero and strengthening nature’s resilience. The plan also underlines our continued commitment to our ambitions. This is closely aligned with our vision of Sustainable Living Together and our cooperative identity, in which societal impact and long-term value creation are central.

Bianca Tetteroo, Chair of the Executive Board, said: “Climate and nature are not separate issues, but are closely interconnected. They increasingly determine the scale of risks, the frequency of damages, and what remains insurable over time. Climate change affects nature, while healthy ecosystems help to mitigate and absorb its impacts. That is why Achmea brings these themes together in a single transition plan. We focus on solutions that contribute to both climate mitigation and adaptation, within our role as insurer, investor and employer.”

Influence through investments
For our investments in companies, we have sharpened our climate target. We aim to reduce CO₂ emissions by 32.6% by 2030 (compared with 2023) and achieve net zero emissions by 2040. We have also expanded the scope of our real estate investment targets to include the indirect portfolio. In addition, we have raised the ambition for our own impact investments to 15% by 2030. We are also intensifying our engagement with companies on topics such as deforestation, climate change and a just transition. In this way, we use our influence as an investor to accelerate sustainable change.

Insuring the energy transition
Through our insurance activities, we support the energy transition. We provide insurance cover for new technologies deployed in areas such as renewable energy generation, energy storage, hydrogen and carbon capture. In doing so, we offer developers and financiers greater certainty, help to reduce emissions and contribute to a safer and more future-proof energy system.

Preparing customers for climate change
Climate change has a direct impact on our customers. With the Climate Compass in the Centraal Beheer app, they gain insight into their personal climate risks. In addition, we offer practical solutions, for example through the Climate Store or by financially supporting sustainability measures within their mortgage. In this way, we help customers to better prepare for the future.

Sustainable across own operations
Within our own operations, we are taking concrete steps. We are working on the world’s largest circular solar carport on our campus in Apeldoorn, enhance biodiversity across our own sites, and invest an additional € 4 million in large-scale reforestation through Land Life Company. In doing so, we capture CO₂, strengthen nature, and are able to offset residual emissions from its international operations after 2030.

Steadfast long-term direction
Bianca Tetteroo concluded: “Publishing this update today aligns with the spirit of Earth Day: taking action. In times of uncertainty, we remain steadfast in our climate and nature commitments. The long term requires clarity, consistency and responsibility. With our transition plan, we bring greater focus and coherence, building step by step towards a future-proof economy and society, taking into account both risks and solutions.”

Achmea Mortgages becomes part of Achmea Investment Management

Wed, 22 Apr 2026 08:00:00 +0200

Achmea intends to provide its institutional clients with a single, integrated touchpoint for investment advisory, asset management services, and investment opportunities in Dutch residential mortgages. This will offer clients greater clarity, simplifies governance and creates synergies and growth opportunities. In practice, this means that Achmea Mortgage Funds will be legally merged with Achmea Investment Management.

Achmea Investment Management serves more than fifty large institutional clients in the areas of asset management and investment advisory. Achmea Mortgage Funds (trading name: Achmea Mortgages) also serves more than fifty institutional clients and offers this client base a broad range of investment opportunities in Dutch residential mortgages.

Following the legal merger, the activities of Achmea Mortgages (39 employees) will form part of Achmea Investment Management, where Achmea Mortgages’ expertise will be deployed to serve clients more broadly with alternative fixed income solutions. The legal entity Achmea Mortgage Funds will cease to exist.

Maureen Schlejen, divisional chair of Achmea Investment Management: “The integration of Achmea Mortgages into Achmea Investment Management aligns with Achmea IM’s broader platform strategy. By combining expertise, we are creating a scalable platform for alternative fixed income solutions. In doing so, we are capitalizing on the growing demand from institutional clients for stable, transparent and high-quality solutions within fixed income, while creating targeted growth opportunities within this segment.”

The legal merger is expected to take place in the second half of 2026 and remains subject to regulatory approval and a positive opinion from the works council.

Impact fund Achmea Real Estate acquires 128 homes in Bilthoven for sustainability upgrade

Tue, 21 Apr 2026 08:30:00 +0200

Achmea Real Estate has acquired 128 apartments in Bilthoven on behalf of the Achmea Dutch Residential Impact Fund (ADRIF), with the ambition of making them more sustainable over the coming years. Tenants can expect enhanced living comfort and lower energy costs. This marks the first acquisition by the impact fund, which was established last year.

Achmea has purchased the two apartment complexes on Spreeuwlaan and Kramsvogellaan from a private investor. Tenants were informed last week. The properties, with an average floor area of 83 m², were built in 1976 and predominantly carry an energy label D. Subject to tenant consent, Achmea initially aims to upgrade these to label A/A+, and subsequently to Paris Proof standards.

Upgrading to A/A+ will involve insulating the building envelope (including the roof and façade), installing solar panels and modernising building systems. Research conducted by BAM Wonen indicates that this can significantly reduce building-related gas and electricity consumption.

As a result, tenants in Bilthoven will benefit from improved comfort and lower energy bills. Despite a modest rent increase to cover the sustainability investments, total housing costs (rent and energy costs) are expected to remain stable or decrease slightly for residents. That is, if other factors (such as energy usage, energy prices or household size) remain unchanged.

Onno Hoff, Fund Manager at ADRIF: “We are proud of this first acquisition for the fund. Together with tenants and BAM Wonen, we will now swiftly take concrete steps. If all studies proceed according to plan and no delays occur in the approval processes, we expect to commence the sustainability works next year.”

Across the Netherlands, approximately 850,000 rental homes currently have an energy label D or lower. These will need to be upgraded over the coming years in order to meet the Paris climate targets. “This large-scale transition requires substantial capital,” said Boris van der Gijp, Co-Chair at Achmea Real Estate. “Institutional investors can play a key role in this, while achieving an appropriate financial return. We warmly invite them to join us.”

Achmea appoints Rogier Peters member of the Executive Board and Chief Risk Officer

Tue, 14 Apr 2026 17:45:00 +0200

Rogier Peters will be appointed as a member of the Executive Board and Chief Risk Officer (CRO) of Achmea, effective 1 October 2026. He will succeed Michiel Delfos, who will step down on the same date. Rogier Peters has held the position of CRO at international insurer MSIG Europe, which specialises in commercial non-life and maritime insurance, since 2020.

Rogier Peters is an experienced insurance executive and an expert in risk management with an actuarial background. He has worked in the international insurance sector for more than twenty years and previously held CRO roles at Ageas UK and Etiqa, among others. His career began in actuarial practice at Tillinghast Towers Perrin, Aegon and Fortis. He studied Actuarial Science at the University of Amsterdam and followed supplementary courses in Asset Liability Management (ALM) and risk management.

Bianca Tetteroo, Chair of the Executive Board of Achmea: “Rogier’s appointment strengthens the integrated risk perspective within the Executive Board. Given his actuarial and international background, I am confident that he will make a valuable contribution to the execution of our strategy towards 2030, with a focus on integrated risk management. We are pleased to be able to welcome someone of his calibre and look forward to working with him.”

Jan van den Berg, Chair of the Supervisory Board of Achmea: “Rogier is a versatile executive with in-depth knowledge of risk management within complex financial institutions. I am pleased that the Executive Board will maintain its full strength. His appointment provides the right balance of expertise, international experience, leadership skills and personalities within the Board.”

Composition of the Board
The newly composed Executive Board will comprise of Bianca Tetteroo (Chair), Michel Lamie (Vice-Chair and CFO), Rogier Peters (CRO), Daphne de Kluis, Robert Otto and Lidwien Suur.

The appointment of Rogier Peters has been approved by De Nederlandsche Bank (DNB) and received a positive recommendation from the Central Works Council. His appointment was discussed at Achmea’s General Meeting today.

Achmea publishes 2025 annual report and announces € 415 million dividend

Tue, 14 Apr 2026 17:43:00 +0200

Achmea's General Meeting has today adopted the financial statements for 2025. The meeting also approved a dividend distribution of € 415 million to shareholders, of which €321 million (77%) will be paid in shares.

Achmea has also published its 2025 Annual Report today. As in the previous report, we also set out our efforts and targets in the area of sustainability, in line with the Corporate Sustainability Reporting Directive (CSRD).

Conclusion of 2021-2025 strategic period
Bianca Tetteroo, Chair of the Executive Board, said: “With the presentation of the annual report, the 2021-2025 strategic period has come to a close. In 2021, we set a number of financial targets for the end of 2025. We are proud to report that we have exceeded these targets, including an operational result of € 938 million (target: € 650–750 million) and capital generation of € 504 million (target:
€ 500 million). Since 2021, we have achieved growth of almost 40% in both revenue and premium volume, and delivered revenue increases across all segments. We continued to support millions of customers in the Netherlands and abroad, and our services continue to be highly valued, as reflected in strong customer satisfaction scores. We also delivered solid results in sustainability and societal impact. By the end of 2025, impact investments accounted for 12.2% (€ 4.7 billion) of our own investment portfolio, surpassing our 10% target.

We look back on a successful period and, with strong ambition, are entering a new strategic phase towards 2030. I would like to thank our customers and partners for the trust they place in Achmea. I look forward to continuing to live up to this trust in the years ahead, maintaining high customer satisfaction and ensuring that Achmea continues to make a meaningful contribution to society."

The 2025 Solvency and Financial Condition Report (SFCR) outlines our financial position based on the Solvency II guidelines. The annual report 2025 and the SFCR are available at Publications | Achmea

Dividend distribution
The General Meeting has approved the proposal to distribute a dividend of € 415 million for 2025. Shareholders may choose to receive a (partial or full) cash dividend or a stock dividend in ordinary Achmea shares.

Of the total € 415 million, € 321 million will be distributed as a dividend in shares (77%) and € 94 million in cash (23%). Vereniging Achmea and STAK Achmea, the largest shareholder, prefer to receive the € 287 million dividend entirely in shares. Bianca Tetteroo welcomed with this choise: “Vereniging Achmea’s and STAK Achmea’s preference to receive their dividend in shares enables us to further invest in customer service and in the development of innovative products that help prevent damage and promote health. This also enables us to deliver greater societal impact in line with our cooperative identity.”

Hanno Mijer appointed as member of Achmea’s Supervisory Board

Tue, 14 Apr 2026 17:41:00 +0200

At today's General Meeting, Hanno Mijer was appointed as a member of the Supervisory Board of Achmea. Vice-Chair Wim de Weijer has stepped down after completing his term, having served as a Supervisory Board member since 2016.

Hanno Mijer began his career in the insurance sector in 1988 at Aegon and subsequently worked as a partner at the international consultancy Watson Wyatt. Since 2007, he has held various executive positions within Zurich Insurance Group, including CEO of Cover-More and CEO of Corporate Life & Pensions. In his role as Global Head of Zurich Resilience Solutions, he focused on developing innovative risk prevention, data, and technology services. His experience in this field has clear social relevance: effective risk prevention helps limit losses for customers and strengthen society’s resilience. In addition, Hanno Mijer has broad expertise in life, pension and general insurance, across both the retail and corporate markets. He has been appointed for a four-year term, as approved by De Nederlandsche Bank (DNB).

Jan van den Berg, Chair of Achmea's Supervisory Board, said: “Hanno Mijer has extensive experience in the international insurance sector, along with strong expertise in governance and supervision. This makes him a valuable addition to Achmea's Supervisory Board and we look forward to his insights and contributions. We would also like to thank Wim de Weijer for his dedication and valuable contribution to Achmea's solid development over the past ten years. He has consistently applied his social and cooperative compass in addressing broader societal challenges.”

At the General Meeting, Chair Jan van den Berg, a member of Achmea's Supervisory Board since 2018, was also reappointed for another two-year term.

The Supervisory Board has elected Else Bos as Vice-Chair from among its members. The composition is now as follows: Jan van den Berg (Chair), Else Bos (Vice-Chair), Tjahny Bercx, Antonio Cano, Miriam van Dongen, Lex Kloosterman, Nienke Meijer, and Hanno Mijer. Hanno Mijer will also join the Supervisory Board of Achmea Schadeverzekeringen N.V.

Reappointment of member of the Executive Board
The Supervisory Board has formally reappointed Michiel Delfos, member of the Executive Board and CRO of Achmea since 2022, until 1 October 2026. On that date, he will step down from his position and be succeeded by Rogier Peters. For further information, please refer to the separate press release.

Achmea hosts Investor Update on Next Level strategy for 2030

Tue, 14 Apr 2026 07:32:50 +0200

Achmea is hosting an online event for analysts and investors today on its Next Level strategy for 2026–2030. Over the course of five presentations, CEO Bianca Tetteroo, Vice-Chairman and CFO Michel Lamie, Executive Board member Lidwien Suur, and division chairs Karin Bos (Non-life) and Arthur van der Wal (Pension & Life) will set out the strategic choices and financial targets towards 2030. Their commentary will provide a more detailed look at the strategic direction and financial ambitions presented at the end of last year.

Bianca Tetteroo: “Achmea is strongly positioned. We have successfully completed our 2021–2025 strategic period, laying a solid foundation for the years ahead. Premium volume increased to € 27.5 billion, with growth across all segments. With Achmea Next Level, we are building on the successful course we have been pursuing, focusing on further growth and sustainable value creation for all our stakeholders. This aligns with our cooperative identity. We are making four key strategic choices, responding to a rapidly changing environment. At the same time, we continue to innovate and invest in solutions that support our customers. I look forward to turning this growth strategy into tangible impact and results, together with our customers, colleagues and partners.”

Four defining strategic choices
Our Next Level strategy is anchored by four strategic choices that will shape Achmea's future profile and positioning:

Data-driven and personalised distribution, elevating the customer experience to an even higher level.
Rollout of a company-wide AI programme to further strengthen our digital leadership and position AI as a catalyst for transformation and growth.
Continued international expansion with a focus on direct digital P&C insurance, while reinforcing our leading positions in the Dutch home market.
Enhancing and strengthening the position of Pension & Life through the execution of our strategic partnership with Sixth Street.

Targets for 2030
By 2030, Achmea aims to further increase its operational result by investing in growth, innovation, digitalisation and efficiency. We have defined the following clear objectives:

An operational result of € 1 billion and an OFCG of € 750 million by 2030 (both targets include Sixth Street's minority stake in Achmea Pension & Life).
We maintain a robust capital position and our strong ratings.
Towards 2030, we aim to grow Achmea Investment Management’s assets under management in impact investments (for own book and customers) to € 20 billion.
We remain committed to our previously communicated carbon reduction goals: net zero in our own operations by 2030; net zero for our investment portfolio (equities and corporate bonds) by 2040; and net zero for the remainder of our investment portfolios and our insurance portfolio no later than 2050.

Live broadcast: event and slides
The event starts this afternoon at 13:00 CEST and can be attended live via Investor update 2026 / Achmea. The slides supporting the presentations are also available there.

Achmea consolidates pension expertise: consultancy services move to investment management

Thu, 19 Mar 2026 08:30:00 +0100

Achmea takes a significant step in its support for pension funds by transferring three consultancy services – actuarial advice, management advice and legal advice – from Achmea Pension Services (APS) to Achmea Investment Management (Achmea IM). This enables pension funds to purchase multiple types of services from a single provider.

Complete solution for a changing market
The pension sector is changing significantly, due to the Future Pensions Act (Wtp): the number of players offering services in this market is expected to decrease over the coming years. This will leave a small number of large parties active. Pension funds face various strategic decisions, in the areas of governance, asset management and administration. By combining a number of consultancy services with investment management, Achmea offers a solution that responds to these developments and strengthens the position of Achmea Investment Management as a strategic partner for pension funds.

Maureen Schlejen, Chair of the Achmea Investment Management Board: “Specifically during this challenging period for the pension sector, we aim to play an important role. By combining consultancy services and fiduciary management, we broaden our service offering and enhance our relevance for customers seeking such an integrated approach. By integrating colleagues with valuable expertise, we strengthen Achmea IM, enabling us to provide our customers with even greater insight and service quality. This aligns with our ambition to be a leader in integrated pension solutions and to set the standard for modern fiduciary management in the Netherlands.”

Achmea Pension Services
Achmea Pension Services announced last year that its pension administration services for external customers would be phased out over time. Through the transition of the three consultancy teams, around 50 colleagues will move from APS to Achmea IM on 1 April.

About Achmea Investment Management
Achmea Investment Management manages €227 billion in assets (as of 31 December 2025) and offers innovative solutions for pension funds and institutional investors.

Achmea reports strong 2025 results and is well positioned for further growth

Wed, 11 Mar 2026 07:29:00 +0100

The operational result increases to € 938 million (+7%) due to strong results in Non-Life, International and Reinsurance. Net result amounts to € 1.2 billion.
Continued high customer satisfaction with strong NPS scores for Centraal Beheer (27), Interpolis (18) and Zilveren Kruis (17).
Premium volume grows to € 27.5 billion (+11%), with growth across all segments and a pension buy-out. Assets under management remain stable at € 260 billion.
Solvency increases to 193% (year-end 2024: 182%). Solvency further rises pro-forma by 11%-points due to the longevity reinsurance transaction announced today.
Achmea Pension & Life Insurance is making good progress towards its strategic goals: growth with pension buy-out, closing of the partnership with Sixth Street, integration of Lifetri, and reinsurance of longevity risk.
The target to allocate 10% of our own investments to impact investments by the end of 2025 has been comfortably achieved, reaching 12.2% (roughly € 4.7 billion).
The strategic period 2021–2025 has been successfully completed, providing a solid foundation for our strategy towards 2030. Further details will be provided during the Investor Update on 14 April 2026.

Bianca Tetteroo, chair Executive Board:
“We have had an excellent year. Once again, we have been able to help millions of customers in the Netherlands and abroad, with appreciation of our services reflected in high customer satisfaction. We continue to grow and our strong performance translates into good financial results and social impact.

With the presentation of the 2025 annual results, we conclude the 2021-2025 strategic period. In 2021, we set various (financial) targets for 2025: an operational result of € 650-750 million, free capital generation of € 500 million and the maintaining of a robust solvency ratio (>165%). We have successfully achieved these targets. We are market leader in health and non-life insurance, and created new perspectives and growth opportunities in the area of pension and life insurance. With our expertise and scale, we create financial as well as social impact. For example, we work to keep healthcare affordable and accessible, to support the construction of housing, to keep climate damage insurable, and to promote road safety.

At the end of last year, we presented our strategy towards 2030: Achmea Next Level. We are building on our current trajectory and accelerate our strategy through targeted choices. In doing so, we respond to changes in the world around us. Developments in technology and climate are progressing rapidly, while geopolitical and demographic developments also have a clear impact.

Helping millions of customers
I am proud of the NPS scores of our brands, especially because they serve such a large number of customers every day. Our healthcare business pays out more than half a billion healthcare claims annually. Of every euro in premium for basic health insurance, more than € 0.98 is spent on healthcare costs. Last year, the Non-Life business helped 730,000 individuals and companies with damage repair, which we carry out as sustainably as possible. For customers with income protection insurance, we processed about 50,000 absenteeism declarations. The increasing trend in absenteeism in the Netherlands, especially the higher absenteeism among women, deserves broad attention and effective solutions. Our Eurocross alarm center supported about 600,000 customers last year, who reported emergencies from both within and outside the Netherlands. Abroad, we expanded our activities to Spain and Romania, where we launched the direct-digital propositions of InShared and Anytime, respectively.

Strong financial results
The increase in the operational result to € 938 million was driven by growth and higher margins on our activities in Non-Life, International and Reinsurance. In Non-Life, the operational result rose to € 391 million (+30%) because of premium growth (+4% to € 4.6 billion) and lower claims costs, partially due to the absence of major weather-related damages. The combined ratio amounted to 93%. In International, premium volume increased to € 2.2 billion (+6%) while the operational result doubled to € 98 million.

The operational result at Health Netherlands amounted to € 249 million (+2%). This result is in line with what is needed to ensure that our reserves grow in lockstep with healthcare cost inflation. The operational result of Reinsurance increased to € 84 million (+68%). In Retirement Services, the operational result rose to € 43 million (+34%). Achmea Bank and Achmea Real Estate, both part of the Retirement Services segment, saw the mortgage portfolio grow to € 19 billion (+6%) and assets under management increase to € 13 billion (+8%), respectively. At Achmea Investment Management, assets under management remained at a solid level of € 227 billion. The operational result of Pension & Life Netherlands decreased to € 282 million (-25%), partially due to the harmonisation of provisions for Lifetri.

Our Operational Free Capital Generation (OFCG) of € 504 million is in line with our ambition and our solvency remains solid, rising to 193% at the end of 2025. As a result of the longevity reinsurance transaction announced today, the pro-forma ratio further rises to by 11%-points. This provides a strong foundation for the start of a new strategic period and gives us the opportunity to grow in the market for pension buy-outs.

Investing in the world of tomorrow
In keeping with our cooperative identity, we strengthen the financial resilience and social well-being of our customers. That is of crucial importance, because resilience determines to a meaningful degree whether someone can fully participate in society. In that context, we emphasise the importance of term life insurance for relatives, especially in combination with a mortgage. Recently, we welcomed our 400,000th customer for this insurance product; our market share for this product grew to 23% in 2025. To expand our impact, we form strategic alliances that strengthen people's resilience. For example, last summer Zilveren Kruis started a partnership with the KNVB to enhance the mental resilience of young people. In addition, we became a member of the Netherlands Financial Health Foundation.

In our strategy towards 2030, we explicitly embedded ESG (Environmental, Social, Governance). We remain fully committed to achieving our previously-communicated CO₂ reduction targets. In line with this, we made good progress in reducing CO₂ emissions. By the end of 2025, we had allocated 12.2% (€ 4.7 billion) of our own risk investment portfolio to impact investments, comfortably achieving our target of 10%. Towards 2030, we aim to be managing € 20 billion in impact investments via Achmea Investment Management (own book and clients' funds). Our sustainability performance is confirmed by external benchmarks, including an AAA ESG-rating from MSCI (AA in 2024).

Focused strategic choices towards 2030
Our strong results, leading positions and partnerships with, among others, Rabobank and Sixth Street provide a solid foundation for 2030. We are making four strategic choices to continue building a sustainable future for Achmea and our customers. With data-driven, personalised distribution we will elevate the customer experience to an even higher level. We are implementing a company-wide AI programme and leveraging our IT expertise and experience as a direct writer to fully capitalise on AI. We aim for further international growth, focusing on direct-digital non-life insurance, while strengthening our leading position in the Dutch home market. Achmea Pension & Life Insurance is making concrete strategic progress and is excellently positioned for further growth.

Thank you for your trust and confidence
We look back on a successful period and stand, full of ambition, at the beginning of a new strategic phase towards 2030. I would like to sincerely thank our colleagues for all their good work and the results we achieved. I thank our customers and partners for the trust they place in Achmea. I look forward to continuing to live up to this trust over the coming years, maintaining high customer satisfaction and continuing to fulfill Achmea's important role in society."

Achmea Pension & Life Insurance reinsures half of its longevity risk

Wed, 11 Mar 2026 07:25:00 +0100

Today, Achmea and Achmea Pension & Life Insurance, the joint venture between Achmea and Sixth Street established on 1 October 2025, announce the completion of two longevity reinsurance transactions by Achmea Pension & Life Insurance. Together, the transactions cover an amount of approximately € 8 billion in pension liabilities and roughly half of Achmea Pension & Life Insurance’s longevity risk exposure. As a significant strategic milestone, the transactions materially strengthen Achmea Pension & Life Insurance’s capital position and provide additional financial capacity to accelerate growth in pension buyouts and further optimise its investment portfolio.

The agreements have been entered into with Munich Re and Pacific Life Re, two leading global reinsurers. The risk transfer is effective as of 1 January 2026, with the agreements remaining in force until the portfolio has fully run off. Services and guarantees provided by Achmea Pension & Life Insurance to its policyholders are unaffected by the transaction.

Arthur van der Wal, Chief Executive Officer of Achmea Pension & Life Insurance: “Transferring roughly half of our longevity risk exposure is a deliberate and significant next step in executing our long-term strategy. The associated capital benefit will support our strategic growth ambitions in the area of pension buyouts, as well as the further optimisation of our investment portfolio. This will be done in close collaboration with Sixth Street and Achmea Investment Management.”

At year-end 2025, Achmea Pension & Life Insurance’s Solvency II ratio was 187%. Based on the capital position per year-end 2025, the longevity reinsurance transactions announced today are expected to lead to an increase in the Solvency II ratio of about 49%-points. Directly related to this, Achmea’s Solvency II ratio, which stood at 193% at year-end 2025, is expected to increase by about 11%-points.

Further details will be shared during Achmea’s online Investor Update on 14 April 2026.

Aon acted as advisor on the transactions, with Hogan Lovells providing legal advice to Achmea Pension & Life Insurance.

More than 90% of customers consent: unit-linked policies agreement is now final

Mon, 02 Mar 2026 08:30:00 +0100

Achmea announces today the finalisation of the unit-linked policies agreement with interest groups. More than 90% of the affiliated policyholders have accepted their individual compensation offer. This now gives the affected customers clarity and a suitable resolution.

In February 2024, Achmea reached an agreement with interest groups Consumentenclaim, Woekerpolis.nl, Woekerpolisproces, Wakkerpolis and the Dutch Consumers’ Association regarding compensation for unit-linked policies that were sold in the Netherlands by Avéro Achmea, Centraal Beheer, FBTO, Interpolis and their legal predecessors. This agreement depended on a 90% acceptance rate among the affiliated policyholders who received an individual compensation proposal in recent months. Now that this acceptance rate has been reached, the agreement is final. As a consequence, the collective legal proceeding initiated by the interest groups against Achmea will be terminated. The interest groups will also no longer initiate any new lawsuits.

The cost of the agreement will be covered by a provision that was established earlier. Additionally, an extra provision was created at that time for special cases involving individuals who are not affiliated with any of the interest groups and who have not previously received compensation. These individuals can apply until 1 April 2026, after which the applications will be assessed.

For more information about the 2024 agreement, please visit: https://news.achmea.nl/achmea-reaches-final-agreement-on-unit-linked-insurance-policies-with-interest-groups/

Achmea Bank receives DNB approval for use of A-IRB model in capital calculations

Thu, 19 Feb 2026 17:45:00 +0100

After De Nederlandsche Bank (DNB) granted Achmea Bank the Advanced Internal Rating-Based (A‑IRB) status in September 2023, it has now also approved the bank’s calculation of required capital. This approval follows from an extensive assessment by DNB.

The new model will be implemented in March 2026 and has a positive effect on both the Common Equity Tier 1 ratio (CET1 ratio) and the Total Capital Ratio (TCR) of Achmea Bank. Based on the figures as at 30 June 2025, the pro forma ratios increase by 3.7 and 4.3%-points respectively, to 21.1% and 24.6%. This calculation takes into account the previously announced dividend payment of € 75 million in November 2025. The pro forma impact on Achmea’s group solvency amounts to 3%-points as at 30 June 2025.

Georgette Fijneman to step down as Division Chair of Zilveren Kruis

Tue, 10 Feb 2026 10:30:00 +0100

Georgette Fijneman has decided to step down as Division Chair of Zilveren Kruis in the summer of 2026. After eight and a half years in this role, she has decided to explore options for taking her career in a new direction.

Georgette Fijneman joined Achmea in March 2016 as Director of Income Protection insurance and member of the board of the Non-Life division. She was appointed Division Chair of Zilveren Kruis as of 1 August 2017.

Bianca Tetteroo, Chair of the Executive Board of Achmea: “Georgette has made a major contribution to realising Achmea’s strategy and to the social domain of ‘Bringing healthcare closer’. With great dedication and a clear vision, she has left her mark on the growth and innovation of our health insurance business. Furthermore, she has actively committed herself to improving healthcare in the Netherlands, including by contributing to the national healthcare agreements. She has likewise focused on important themes such as skin cancer prevention, mental health and the role of employers in the health of their employees. In doing so, she has shaped the role of Zilveren Kruis as market leader: by engaging in these themes and speaking out on relevant issues.”

Robert Otto, member of the Executive Board and responsible for Health Netherlands: “Georgette has consistently proven to be a skilled and committed leader. We are especially grateful for her commitment to Achmea and Zilveren Kruis and for her commitment to healthcare in the Netherlands. We regret her departure but respect her decision. We look forward to continuing our collaboration in the coming months and wish her every success and all the best for the future.”

Georgette Fijneman: “After careful consideration, I have decided to channel my energy into preparing for the next phase of my career. It was not an easy decision, because I know I will greatly miss Achmea and all the dedicated, professional colleagues around me. I look back with great appreciation on my time working in the health sector, a time full of both successes and challenges we faced together. I look forward with confidence to the next phase of my career in which I will explore new opportunities. Until then, I remain wholeheartedly committed to Achmea, Zilveren Kruis and healthcare in the Netherlands.”

Michiel Delfos to step down from Executive Board in 2026

Tue, 25 Nov 2025 07:30:00 +0100

Chief Risk Officer Michiel Delfos has decided to step down as a member of Achmea’s Executive Board in 2026. After twelve years with the company, including four years as a member of the Executive Board, he has chosen not to pursue a second term. He looks forward to the next phase of his life, focusing his time and energy on new opportunities on both a business and personal level.

Michiel has enjoyed a distinguished career at Achmea over the years. Starting as director of Property & Casualty insurance in early 2014, he went on to be appointed Chair of the Non-life division in October 2015. In April 2022, he joined the Executive Board.

Bianca Tetteroo, Chair of the Executive Board: "With his strong commitment and clear vision, Michiel has made a lasting impact on the development of risk management at Achmea. In addition, he has led the development and implementation of our sustainability ambitions with great passion. While we are sad to see Michiel leave, we respect his decision. We look forward to continuing to work together in the period ahead.”

Jan van den Berg, Chair of the Supervisory Board: “Michiel has always shown himself to be an able and committed executive. We are extremely grateful for his valuable contribution to the development of Achmea and wish him every success and all the very best for the future.”

Michiel Delfos: "After careful consideration, I have decided not to seek a second four-year term. It was not an easy decision, as I am certain I will miss Achmea and the wonderful people around me. I look back with pride and gratitude on the many memorable moments and numerous achievements we shared over the past twelve years. At the same time, I look forward with confidence to a future full of new opportunities. Over the coming months, I will continue to dedicate myself fully to Achmea and ensure a smooth transition for my successor.”

The process to appoint Michiel’s successor is now underway. Michiel's exact departure date in 2026 will depend on the start date of the successor. We will provide further information as soon as it is available.

Achmea presents strategic choices and financial goals towards 2030

Tue, 18 Nov 2025 07:30:00 +0100

Today, Achmea announces its strategic choices and financial goals towards 2030. The current goals, which were set in 2021, will remain in effect until the end of 2025. We are well on track to accomplish these goals by the end of the year, establishing a strong foundation for future growth.

Next Level, building on our strengths
Bianca Tetteroo, Chair of the Executive Board: “With a solid financial position, strong brands, high degree of customer satisfaction and our cooperative identity, we are setting ambitious goals for 2030. We remain fully committed to what we stand for: Sustainable Living. Together. Our strategy, titled Achmea Next Level, builds on the successful course we are already pursuing. We proactively respond to the rapidly changing world around us and continue to innovate and invest in solutions that help our customers move forward. As such, we are strengthening both our market position and our social impact.”

Four defining strategic choices
The Next Level strategy is anchored by four important strategic choices that will determine our future profile:

Data-driven and personalised distribution to elevate the customer experience to an even higher level.
Rollout of a company-wide AI programme to further strengthen our digital leadership and position AI as a catalyst for transformation and growth.
Continued international growth with a focus on direct/digital Non-Life, while maintaining a leading position in the Dutch home market.
Enhancing and strengthening the position of Pension & Life through the execution of our strategic partnership with Sixth Street.

Thanks to these strategic choices, we are strengthening our market leadership in Health and Non-life insurance in the Netherlands. Together with our partner Sixth Street, we are firmly committed to growth in Pension & Life, including in the market for pension buy-outs. This further consolidates our position in pension and asset management, with the strategic partnership with Sixth Street increasing the number of customers and driving the expanded use of our platforms. We are accelerating our growth in online, direct insurance and continue to build scalable, digital non-life propositions for retail customers internationally. In this way, we are gradually evolving from a Dutch player with international activities into a European player with the Netherlands as its home market.

Bianca Tetteroo: “As was the case four years ago, our strategic choices are guided by our vision of Sustainable Living. Together. Our organisation has a cooperative identity, and ESG (environmental, social and governance) ambitions form an important cornerstone of our strategy.”

Clear priorities
Our strategy is aimed at creating lasting value for customers, employees, partners, investors, shareholders and society. With sustainability at the heart of our approach, we are committed to promoting action on current, urgent challenges, from achieving net zero, to fostering financial resilience and social well-being.

Our investments in innovation, strategic partnerships and talent development will consolidate our position as a world-class employer and a recognised sustainability leader in the financial services industry. Together, we are creating a resilient, future-proof Achmea that creates value and makes a positive impact.

Objectives towards 2030
Since 2021, both our operational result and Operational Free Capital Generation (OFCG) have increased significantly, while our solvency remains consistently strong. This has provided us with a solid foundation and we are well on track to accomplish our goals for 2025. Towards 2030 we aim for a further increase in the operational result. Investments in growth, innovation, digitalisation and efficiency will contribute actively to this goal.

We have defined the following clear objectives:

An operational result of € 1 billion in 2030 (target 2025: € 700 million)¹.
Growth to an OFCG of € 750 million in 2030 (target 2025: € 500 million)¹.
We maintain a robust capital position and our strong ratings.
Towards 2030, we have the ambition to grow our assets under management invested in impact investments (own book and customers) to € 20 billion.
Continued commitment to the previously communicated carbon reduction goals: climate-neutral business operations by 2030, a climate-neutral investment portfolio (equities and corporate bonds) by 2040 and a climate-neutral insurance portfolio by 2050 at the latest.

During our Online Investor Update in April 2026, we will elaborate on our strategy, plans and financial goals.

Significant dates
Wednesday 11 March 2026: Presentation of Achmea annual results 2025
Tuesday 14 April 2026: Online Investor Update 2026

¹ Target includes Sixth Street’s minority interest in Achmea Pension & Life.

Achmea reserves € 99 million to limit the increase in healthcare premiums in 2026

Thu, 13 Nov 2025 07:30:00 +0100

Achmea is allocating € 99 million to limit the increase in the basic healthcare premium for 2026. This measure contributes to the affordability of healthcare premiums for customers of Zilveren Kruis, De Friesland, Interpolis, FBTO, and De christelijke zorgverzekeraar. These brands announced their premiums for 2026 yesterday. The stated amount will be recognized in the 2025 financial year, in accordance with the IFRS 17 reporting standards.

The healthcare premium will increase in 2026 due to rising healthcare costs, partly because people are using healthcare services more frequently and for longer periods.

In line with its cooperative identity, Achmea seeks a responsible balance between an affordable healthcare premium for customers and a healthy financial position for the company.