Topic 01 / 07
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.

01.1
Keeping pace with climate risks
One of our products that contributes to adaptation to climate change is index insurance against a lack of soil moisture (drought), the most significant risk, which has been causing considerable damage in agriculture for years. With the launch of this high-tech product, Croatia osiguranje joined a small number of EU countries and insurers offering this type of insurance. The product uses advanced satellite measurement of soil moisture and provides precise data for the insured agricultural land, so that the claim is paid automatically on the basis of the satellite data, without an assessor having to visit the field.
Croatia osiguranje invests in modern digital platforms such as the Agriculture Risk Metrics (ARM) platform, which makes it possible to monitor the climate risks to which individual areas of Croatia, and therefore agricultural production, are exposed.

01.2
Digital products and services
Among the insurance products that contribute to sustainability goals is LAQO, the first fully digital insurance in Croatia. Besides paperless operation, through the LaqoPrevent programme its features contribute to road safety and lower CO2 emissions.
More about Croatia osiguranje’s digital services in the section Digital innovation.

01.3
Health
Croatia osiguranje’s portfolio also includes health insurance products that provide simpler, better access to healthcare. In response to the continuing rise in the number of people with malignant diseases, the insurance product Onko plan provides income stability in unpredictable life situations and serious illness. Clients also have access to healthcare services at Croatia Poliklinika in regional centres across Croatia. In these well-equipped polyclinics all the necessary examinations can be done in one place by renowned medical experts with extensive experience, who approach each patient individually and with dedication.

Material topics
Other sustainability topics

02
Digital innovation
Digitalisation is today an imperative and a precondition for growth, resilience and sustainability.
Read more
03
Employee wellbeing and lifelong learning
Our success is built on continuous investment in the knowledge, motivation, engagement and wellbeing of our employees.
Read more
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.
Read more
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.
Read more
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.
Read more
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.
Read more