Achmea
Achmea is a Dutch cooperative insurance and financial services group serving 10 million customers through multi-brand offerings spanning health, P&C, life and pension insurance, asset management, banking, mortgages, and reinsurance, primarily in the Netherlands with selective international expansion.
- Company typePrivate
- Founded1811
- HeadquartersZeist, Netherlands
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Achmea does
Achmea is a Dutch cooperative insurance and financial services group headquartered in Zeist, Netherlands, founded in 1811 and serving approximately 10 million customers through a multi-brand architecture spanning health, property and casualty, life, pension, and specialty insurance lines. The group operates through leading Dutch consumer brands — including Centraal Beheer, Zilveren Kruis, Interpolis, FBTO, Avéro Achmea, Inshared, De Friesland, and De Christelijke Zorgverzekeraar — and serves more than 50 large institutional clients each through Achmea Investment Management and Achmea Mortgages, with international reach via Interamerican in Greece, Achmea Farm Insurance and Hagelunie in Australia, and the Anytime digital insurance brand in Romania.
The business spans insurance underwriting (retail premiums), institutional asset management and investment advisory, banking services (Achmea Bank), residential mortgage investments, reinsurance (Achmea Reinsurance Company, including the Windmill Re catastrophe bond series), real estate investment management (Achmea Real Estate, including the Achmea Dutch Residential Impact Fund), pension administration (Achmea Pensioenservices), in-house legal services (Achmea Verzekeringsadvocaten), and claims handling (Achmea Personenschade). Revenue is generated primarily through recurring insurance premiums across multiple lines, asset management fees on institutional mandates, banking and mortgage net interest income, reinsurance premiums, and real estate investment returns. Notable technology and platform assets include the eGain AI Knowledge Hub and AI Agent (deployed to 21,000 users integrating over 26,000 documents), Zivver secure email, the Climate Compass tool within the Centraal Beheer app, and specialty underwriting expertise such as Hagelunie's global greenhouse horticulture insurance.
The go-to-market is omnichannel and multi-brand: dedicated brand teams handle consumer distribution in the Netherlands, direct enterprise sales cover institutional asset management clients, digital self-serve channels operate through Anytime internationally, and a centralized distribution organization is being consolidated for Q1 2027 to unify commerce, marketing and customer journeys while preserving brand identity. Strategic recent actions include the Sixth Street-led €461M pension and life insurance joint venture (Achmea Pensioen & Levensverzekeringen, 2025), the Blue Sky Group Vermogensbeheer acquisition (2024, ~10% AUM uplift), the legal merger of Achmea Mortgages into Achmea Investment Management (H2 2026), Anytime's full commercial rollout in Romania, and ongoing capital management actions including the €8B longevity transaction and Windmill III Re catastrophe bond.
Achmea firmographics
Firmographics- Name
- Achmea
- Legal name
- Achmea B.V.
- Website
- https://achmea.nl
- Company type
- Private
- Founded year
- 1811
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Achmea is a Dutch cooperative insurance and financial services group serving 10 million customers through multi-brand offerings spanning health, P&C, life and pension insurance, asset management, banking, mortgages, and reinsurance, primarily in the Netherlands with selective international expansion.
- Ownership category
- akta.pro rank
Achmea industry classification
Industry- Product category
- Insurance and Financial Services
- NAICS
- Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)
- akta.pro primary industry
- ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)
- akta.pro secondary industries
- Life & Health Reinsurance Underwriting, Actuarial & Risk Analytics Services (FSAOAAAI), CO-OP / Nonprofit Individual Market Plans (HLAEABAH)
Keywords
Where Achmea is headquartered
LocationHeadquarters
- HQ city
- Zeist
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
Achmea business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Insurance Premiums: Core revenue from insurance products including health insurance (Zilveren Kruis, FBTO, Interpolis, De Friesland, De Christelijke Zorgverzekeraar), property and casualty insurance (Centraal Beheer, Avéro, Inshared), and specialty insurance (Hagelunie for greenhouse horticulture).
- Pension and Life Insurance: Through the joint venture Achmea Pensioen & Levensverzekeringen formed with Sixth Street and Lifetri, serving more than 2.1 million customers in pension and annuity market.
- Asset Management and Investment Advisory: Achmea Investment Management serves more than fifty large institutional clients in asset management and investment advisory services. Achmea Mortgages serves more than fifty institutional clients with investment opportunities in Dutch residential mortgages.
- Reinsurance: Achmea Reinsurance Company NV provides reinsurance protection including catastrophe bonds (Windmill III Re) for European windstorm and severe convective storm risks.
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Achmea product offering
Product offeringCore offering
Achmea is a Dutch cooperative insurance group selling health, life, and non-life insurance products through multiple consumer brands (Centraal Beheer, Zilveren Kruis, Interpolis, FBTO, Avéro Achmea, Inshared, De Friesland, De Christelijke Zorgverzekeraar), serving approximately 10 million customers. Beyond retail insurance, it offers institutional asset management and investment advisory through Achmea Investment Management, banking through Achmea Bank, reinsurance and catastrophe bonds through Achmea Reinsurance and the Windmill Re series, pension and life insurance through Achmea Pensioen & Levensverzekeringen (joint venture with Sixth Street and Lifetri), real estate investment through Achmea Real Estate, and digital insurance through Anytime in Romania.
Product overview
Achmea is a large European cooperative insurance group headquartered in the Netherlands serving approximately 10 million customers. The company operates through multiple sub-brands (Centraal Beheer, Zilveren Kruis, Interpolis, FBTO, Avéro Achmea, Inshared, De Friesland, De Christelijke Zorgverzekeraar, Anytime) offering insurance products including health, property, casualty, life, and pension coverage. Beyond insurance, the portfolio includes Achmea Bank (banking), Achmea Investment Management (asset management for institutional clients, expanded via Blue Sky Group acquisition and Achmea Mortgages integration), Achmea Reinsurance (catastrophe bonds through Windmill Re series), Achmea Real Estate (investment management including impact fund for sustainable housing), Achmea Pensioenservices (pension administration), Achmea Personenschade (personal injury claims), Achmea Verzekeringsadvocaten (in-house legal services), and specialized operations like Hagelunie (greenhouse horticulture insurance) and Eurocross (emergency assistance). The group is undergoing digital transformation with AI-powered knowledge management (eGain deployment) and consolidates distribution organizations for enhanced customer experience.
Differentiator
Problem solved
Functional benefit
Brands
- Anytime: Digital insurance brand of Interamerican (part of Dutch group Achmea) operating in Romania, offering digital insurance products including MTPL, CASCO, and additional product lines.
Products and services
- Health Insurance (Zilveren Kruis, FBTO, Interpolis, De Friesland, De Christelijke Zorgverzekeraar)
Quantifiable outcome
- 21,000 users supported by AI Knowledge Hub deployment
- +3 more outcomes
Companies that use Achmea
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Achmea technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature5 records
Achmea partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor, core and flagship.
- Protected Cropping AustraliaminorCollaboration between Achmea Farm Insurance in Australia and Protected Cropping Australia to bring Dutch greenhouse horticulture expertise to Australian growers. The focus is on practical knowledge sharing about strengthening greenhouses, limiting damage, and helping businesses withstand extreme weather.
- BAM WonenminorCollaboration with BAM Wonen for sustainability upgrades of 128 apartments in Bilthoven purchased by the Achmea Dutch Residential Impact Fund (ADRIF). Research by BAM Wonen indicates sustainability measures can significantly reduce building-related gas and electricity consumption.
- AoncoreAon advised Achmea Pension & Life Insurance on an €8 billion longevity transaction, a significant financial arrangement related to pension liabilities management.
- eGain CorporationcoreAchmea selected eGain Corporation's AI Knowledge Hub and AI Agent software to modernize knowledge management and support its Digital Insurer transformation. The deployment covers 21,000 users across the organization and integrates more than 26,000 documents into a centralized knowledge base. The strategic partnership positions eGain as a key technology provider for Achmea's enterprise-wide digital transformation initiative.
- LifetriflagshipLifetri was contributed by Sixth Street to the joint venture Achmea Pensioen & Levensverzekeringen, consolidating with Achmea's pension and life insurance portfolio. The partners plan to collaborate on investments for the joint venture to generate additional value creation and growth opportunities in the pension and annuity market.
- Blue Sky Group Vermogensbeheer (BSG)coreAchmea Investment Management acquired Blue Sky Group Vermogensbeheer to expand asset management services and client base, including pension funds like those of KLM. The deal involves acquiring BSG's team, clients, assets, and platform, expected to increase Achmea IM's assets under management by around 10%.
Scale indicators9 records
Recent moves8 records
Expansion highlights5 records
Achmea competitors and assessment
Company assessmentDirect peers
- NN Group (Nationale-Nederlanden): NN Group is a Dutch insurance and asset management company offering life, non-life, and pension products across the Netherlands and other European markets, directly comparable to Achmea's multi-line insurance business and asset management operations through NN Investment Partners.
- AEGON: AEGON is a Dutch-headquartered international insurance, pensions, and asset management group with significant Dutch life and pension operations, providing a direct comparison for Achmea's pension/life insurance joint venture and asset management businesses.
- ASR Nederland: ASR Nederland is a major Dutch insurance group offering life, non-life, health, and pension products, and one of Achmea's closest domestic competitors across the same Dutch retail and institutional insurance segments.
Broad incumbents
- ING Group: ING Group is a Dutch-headquartered global bank with significant insurance and asset management operations, comparable to Achmea's banking (Achmea Bank), insurance, and asset management portfolio across the Dutch retail and institutional markets.
- Allianz: Allianz is one of the world's largest insurance and asset management groups offering P&C, life/health, and asset management across Europe, directly comparable to Achmea's multi-line insurance portfolio and asset management scale, though it operates at a far broader geographic scale.
- Swiss Re: Swiss Re is a leading global reinsurer; directly comparable to Achmea Reinsurance Company's European windstorm and severe convective storm reinsurance business through cat bond sponsorship and traditional reinsurance.
- Munich Re: Munich Re is a leading global reinsurance company; Achmea Reinsurance Company is directly comparable as a European property catastrophe reinsurer using similar risk transfer instruments including catastrophe bonds (Windmill Re series).
- Zurich Insurance Group: Zurich Insurance Group is a major Swiss-headquartered multi-line insurer offering general insurance, life, and farmers' insurance globally, comparable to Achmea's portfolio strategy across health, P&C and life insurance plus specialty lines like Hagelunie's farm insurance.
- AXA: AXA is a major French-headquartered global insurance group offering life, health, P&C and asset management products across European markets, comparable to Achmea's multi-line insurance and asset management portfolio.
Regional players
- Mapfre: Mapfre is a major Spanish-headquartered multi-line insurer operating across Iberia and Latin America; comparable to Achmea as a European multi-line insurer, though its geographic focus and portfolio mix differ.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Achmea social profiles
Digital presenceAchmea compliance and trust
Trust signalCompliance3 records
Achmea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Achmea leadership team
Management profileNumber of profiles
Profiles8 records
Achmea subsidiaries and ownership
Company hierarchySubsidiaries29 records
Achmea funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Achmea M&A and investment
M&A and investmentM&A2 records
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Achmea
What does Achmea do?
Achmea is a Dutch cooperative insurance group selling health, life, and non-life insurance products through multiple consumer brands (Centraal Beheer, Zilveren Kruis, Interpolis, FBTO, Avéro Achmea, Inshared, De Friesland, De Christelijke Zorgverzekeraar), serving approximately 10 million customers. Beyond retail insurance, it offers institutional asset management and investment advisory through Achmea Investment Management, banking through Achmea Bank, reinsurance and catastrophe bonds through Achmea Reinsurance and the Windmill Re series, pension and life insurance through Achmea Pensioen & Levensverzekeringen (joint venture with Sixth Street and Lifetri), real estate investment through Achmea Real Estate, and digital insurance through Anytime in Romania.
Is Achmea a public or private company?
Achmea is a private company. It is classified as unknown and is currently operating.
When was Achmea founded?
Achmea was founded in 1811. It employs 5,001 to 10,000 people.
Where is Achmea based?
Achmea is headquartered in Zeist, Netherlands, in the Europe region.
How does Achmea make money?
Four revenue lines are on record. Insurance Premiums are the primary driver. The others are pension and Life Insurance, asset Management and Investment Advisory and reinsurance.
Who are Achmea's main competitors?
Direct peers on record are NN Group (Nationale-Nederlanden), AEGON and ASR Nederland. Broad incumbents are ING Group, Allianz, Swiss Re, Munich Re, Zurich Insurance Group and AXA. Mapfre is listed as a regional player.
Does Achmea have an API?
No public API is recorded for Achmea.
What industry is Achmea in?
Achmea's product category is Insurance and Financial Services. Its primary akta.pro industry code is FSAIAEAA, ACA Marketplace (On-Exchange) Individual Plans, with a secondary code of FSAOAAAI, Life & Health Reinsurance Underwriting, Actuarial & Risk Analytics Services. Its NAICS code is 5241 and its SIC code is 6399.