Micro-habits make behavior change accessible and measurable
The Micro Habit Company has developed science-based programs that have already helped thousands of professionals both in and outside the workplace. Thanks to a thoughtful mix of gamification and a user-friendly app, The Micro Habit Company offers an effective way to teach employees new knowledge; from healthy lifestyles to AI adoption and cybersecurity.

Rob van Drunen, co-founder of The Micro Habit Company: ‘Our micro-habits make behavior change accessible and measurable, allowing organizations to work more purposefully on the wellbeing, performance and resilience of their employees and teams.’

First startup to take part in Achmea accelerator program: ‘Time to scale’
The Micro Habit Company is the first startup to participate in the accelerator program of Achmea's innovation hub.
‘The Micro Habit Company has built an effective and scalable digital model. Our hub provides access to an extensive network of expertise and both private and public contacts. This gives TMHC the ideal basis to start scaling up,’ explains Erik Petersen, Head of Innovation. He continues: ‘Zilveren Kruis, part of Achmea, has long been working with The Micro Habit Company on wellbeing leadership programs for organizations, including on psychological safety. Sustainable behavioral change in the field of work and health dovetails perfectly with Achmea's vision of Sustainable Living, Together. We are proud to now extend the collaboration even further.’

Achmea has reached an agreement with interest groups Consumentenclaim, Woekerpolis.nl, Woekerpolisproces, Wakkerpolis and the Consumentenbond with respect to a final settlement for customers with a unit-linked insurance policy who are affiliated with one of these groups. This concerns unit-linked policies that were sold in the Netherlands through the brands Avéro Achmea, Centraal Beheer, FBTO, Interpolis and their legal predecessors. The agreement involves an amount of € 85 million. The impact of the agreement on Achmea’s capital position is limited.

Bianca Tetteroo, Chair of Achmea’s Executive Board: ‘I am pleased to announce today that we have signed a final agreement with the interest groups. This is an incredibly important milestone for all parties involved. It is good that there is now a solution for the affected customers, and that a sense of clarity has been achieved.’
 

Information for customers
After the details regarding the implementation of the settlement agreement have been finalised, customers will receive individual proposals through the interest group with which they are affiliated. Once at least 90% of the customers have agreed to their proposal, the entire agreement will become final. 
Customers who are not affiliated with an interest group and want to register as a poignant case (“schrijnend geval”) can do so at www.achmea.nl/schikkingsovereenkomst

Legal proceedings discontinued
One collective legal action was still pending between Achmea and Woekerpolis.nl and the Consumentenbond. These two interest groups had lodged an appeal against a previous court ruling. Those appeal proceedings will now be discontinued. An agreement has also been made with the interest groups that no more new legal proceedings will be initiated. Customers who have not yet done so will no longer be able to join an interest group.

We are currently exploring various internal and external options and do not rule out any possibilities at this stage. In the meantime, we will stay the course. If the exploration leads to an adjustment of our course, we will subsequently report on this.

The Tier 2 Notes will be issued under Achmea B.V.’s € 5 billion Debt Issuance Programme (more information on https://www.achmea.nl/en/investors/debt-information). Barclays, HSBC, ING, Deutsche Bank and BNP Paribas are appointed as Joint Lead Managers.

The expected rating of the forthcoming Tier 2 Notes issuance is BBB- by S&P and BBB by Fitch. The intended issuance is expected in the near future, dependent on market conditions.

Relevant stabilization regulations, including FCA/ ICMA stabilization apply. The target market is MiFID II professionals and Eligible Counterparties only (all distribution channels). No EU/UK PRIIPs key information document (KID) has been prepared as these instruments are not available to retail in the EEA and UK.

Investor Relations                                                    
Hans Duine                                    
06 - 8210 5097                        
hans.duine@achmea.nl

The Net-Zero Insurance Alliance is a United Nations initiative that brings together leading insurers from around the world to emphasise their role in the transition to a climate-neutral economy. Achmea wants to make a meaningful contribution to this.

Achmea is setting the bar high
Bianca Tetteroo, chair of the Executive Board, on this important step: “We are setting the bar high for ourselves. Based on our vision ‘Sustainable Living Together’, we want to create sustainable value for our customers, our employees and our business and for society. By accelerating this as much as possible, we are taking responsibility now and not shifting it to the future. Past generations could count on us; future generations must be able to do so as well. Climate change is a major theme for Achmea and we want to help our customers and society be resilient against it. And along with our partners, we are committed to working towards combatting further climate change. Joining the Net-Zero Insurance Alliance is a perfect fit for this.”

Achmea is also supporting the Insured Emissions Initiative
With its sustainability ambitions and by joining the Net-Zero Insurance Alliance, Achmea is committed to a transition path that uses science-based targets. In line with this, we are also supporting the Insured Emissions initiative of the Partnership for Carbon Accounting Financials (PCAF), in collaboration with the Net-Zero Insurance Alliance (NZIA), through which we will develop a standard for measuring and reporting CO2 emissions of insurance portfolios.