• Premium growth in Non-Life and International activities, Assets under management
  increased by 41% to €227 billion
• Strategy of digitisation and the efforts from employees result in continued high level of
  services to customers
• Robust solvency ratio of 208% and sound liquidity position
• Increased result at Non-Life; combined ratio improved to 92.9%
• Result Pension & Life affected by impact Covid-19 on financial markets
• Result in Health on balance positive because of:
  • Increased cost for hospitals related to Covid-19 and €1 billion continuity contribution
    to health care
  • Government contribution under the catastrophe scheme and decrease regular,
    elective care
  • In line with our cooperative identity, we delivered broad social value-added

• Achmea completed its strategic “Delivering Together” period. As a leading player in mobile and online services, it will continue to digitise its business operations in 2020 and beyond. It is investing substantial amounts in websites, portals, apps and other innovative ways of serving its customers. Even greater convenience and accessibility are the keywords here.
• The year began with a new strategic period entitled “The Sum of Us”. Achmea plans to put the combined forces of its company to even better use. It will continue to invest in innovation, platforms for distribution, and further improvement of its services. It also aims to actively enter into more partnerships with which it can offer its customers innovative services. In this way, it will remain relevant to its customers and to society in a changing world. For the realisation of these strategic ambitions, earning a healthy return and keeping a close eye on expenses remain essential. These ambitions match Achmea’s identity as an insurer with a cooperative reputation and an active role in society

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