Topic 02 / 07
Digital innovation
Digitalisation is today an imperative and a precondition for growth, resilience and sustainability. Croatia osiguranje is the digital leader of the insurance market, founded above all on the continuous development of its portfolio of products and services and on the comprehensive digital transformation of the business that Croatia is carrying out.
02.1
A recognised digital leader
The successful digitalisation so far has positioned Croatia as the leading market player in digital insurance, which the profession recognised by naming Croatia osiguranje one of the top digital companies in Croatia for 2021 (*according to CroAI).
Our long-term goal is to keep the position of digital leader and driver of change through investment in innovation and modern technology. In this way we reach users we would not attract with traditional products and sales channels, we optimise and simplify internal and external processes, and we attract young talent from the IT sector.
Through digitalisation we provide the best customer experience for our clients and more efficient business processes for our employees, while contributing to environmental protection and sustainable development.
02.2
Advanced technologies for a better customer experience
Our clients have digital options through the websites, the Moja Croatia app and LAQO, the first fully digital insurance on the domestic market.
The Moja Croatia mobile app is an innovative digital solution for simple, self-service administration of contracted products and services. Developed according to leading global insurtech practice, it lets users see all their insurance policies and digital health cards, pay bills, renew policies, report a claim and follow its processing in a few clicks.
Moja Croatia significantly reduces the use of paper and promotes care for the environment, and it is the main tool of the e-klijent programme for those who wish to receive digital documentation only.
02.3
LAQO and its AI assistant
LAQO, Croatia’s digital brand, is the first fully digital insurance on the domestic market. Its AI assistant Pavle Pauq lets users calculate the premium and buy LAQO motor liability and comprehensive insurance through a simple conversation.
Material topics
Other sustainability topics
01
Sustainable products and services
In developing and redesigning insurance products and services we also consider their contribution to sustainability goals, with a particular focus on health products, digital products and services, and products that mitigate the consequences of climate change.
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03
Employee wellbeing and lifelong learning
Our success is built on continuous investment in the knowledge, motivation, engagement and wellbeing of our employees.
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04
Responsible customer experience
The mission of Croatia osiguranje is to provide long-term financial security for individuals and the community through excellent, innovative service tailored to clients’ needs.
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05
Responsibility towards the community
Social responsibility is one of our highest values and one of the key elements of the Company’s corporate identity.
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06
ESG risk management
At Croatia osiguranje we regularly monitor and promptly improve the management of sustainability risk, and in our business we take into account the possible increase in the impact of sustainability risks over time, in the short, medium and long term.
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07
Responsibility for environmental protection
With the growing impact of climate change – irreversible, critical and with consequences for every aspect of life – environmental topics have priority status in sustainability management at the global level.
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