We innovate for our clients

Our strategy, aimed at the creation of long-term value, is also implemented through the use of innovative technologies in every phase and area of the insurance sector.

The Internet of Things is transforming various industries and sectors and creating new business models.

Through simple and smart solutions, developed thanks to digitalised media and tailored to the needs of the client, we want to change the very nature of life insurance, involving retail and corporate clients in prevention drives to encourage them to improve their state of health and well-being, creating individual value and value for society as a whole.

Insurance solutions promoting sustainable and responsible behaviour

We implement innovative solutions for our clients


The Generali Vitality programme is an example of our strategy to develop simple and smart solutions, which are fully digitalised and designed around our customers’ needs. It is about motivating our customers to live better by making healthier choices, which bring value for them and for society as a whole.Gian Paolo Meloncelli
Group Strategy & Business Accelerator Director


With this in mind, in 2016 we launched Vitality, an innovative health and wellness programme designed to encourage and reward the behaviour of clients that want to follow a healthier lifestyle.


The advantages of the global Vitality programme, developed in partnership with South African company Discovery Ltd, are provided by numerous partners from different sectors (dietary, fitness etc.). In Germany, those who take out term life or professional disability coverage can access an optional associated programme that encourages people to act responsibly and make healthier choices. The programme is open to all new clients, regardless of their state of health, who can decide what information to provide to record their progress in relation to their individual goals.
The programme consists of three phases: first, clients receive the digitised support to be worn allowing them to better understand their health conditions, then tips and suggestions are provided to them to improve their lifestyle, lastly in the third phase clients can access the various awards/ benefits and recognitions related to the results obtained with the programme.



Vitality has already been launched in Germany and in France. It will be then launched in Austria. In every country in which Generali Vitality is launched an offer will be developed that is in line with the reference market and the local strategy. In Germany, to promote healthy lifestyles, regular physical exercise and healthier eating habits, we have extended participation in the Vitality programme to all our employees free of charge. We were also sponsors of the Munich marathon.



For years we have been an insurance industry leader in the area of telematics, with over 1.3 million policies that use various technology tools, such as Mobile Apps or Black Boxes, to encourage the adoption of responsible driving behaviour to help reduce accidents, and to collect useful information that can be used to provide products and services that are increasingly tailored to the needs of customers.

In Italy, thanks to the agreement finalised with Nissan, Genertel has launched an initiative that promotes the adoption of responsible driving behaviour through a system that increases safety levels. Safety Shield is installed in the vehicle and includes a brake assist system, an alarm to prevent drivers from falling asleep at the wheel, and a system that expands the driver’s field of vision to make overtaking safer.

Business innovation

Recently, the first connected home policies have been launched, important innovations in the domestic risk insurance sector. The new products guarantee:

  • protection
  • active assistance
  • the reimbursement of damages.

This is a quite significant paradigm shift in which the needs of the customer are anticipated and insurance solutions are based on prevention and active assistance also in policies to protect the family and the home.


The Generali Group currently holds a leading position in the world of telematics and our goal is to further expand the offering of these products also in new geographical areas. The journey we have embarked on is to improve even further our analytical expertise, so as to help our customers adopt an increasingly more virtuous driving style, and at the same time to enhance our telematics offering with additional services and coverage. This confirms our desire to change traditional insurance models based on the concept of loss and refund, and move towards a new approach focused on prevention and protection.Steve Hales
Head of Connected Insurance Products

SDG 11 

In Italy, in line with our strategy, Generali Italia has enriched its product range with the launch of Generali Sei in Auto con Stile, a pay-how-you-drive solution that interacts with the driver thanks to Real Time Coaching, an interactive responsible driving education tool.

In Germany, in association with its partner Devolo, Cosmosdirekt has launched a solution that combines coverage for damage to the home with the installation of smart devices that are able to protect it thanks to an anti-intrusion kit and remote monitoring via an app connected to the meinCosmosDirekt portal. Following the success of the initiative the collaboration has continued in 2017 and Generali Versicherung has made GeneralPlus-Protection available to its clients, a modular solution that also includes sensors that detect water leaks in the pipes that serve the home.
The use of smart solutions therefore enables us to protect the client before any damage occurs as part of a process focused on prevention and the creation of value both at individual level and for the entire community.

In Italy, February 2017 saw the launch of the pilot phase of the Sei a Casa in Touch product based on an intrusion protection kit, a camera, a fire sensor and alert sensors for damage from water leaks that can be monitored remotely via an app.

In Spain our clients had the opportunity to purchase specific kits, such as control units and sensors, at special prices thanks to an agreement with Spanish supplier Wattio.

In January 2017 a partnership agreement was established with Nest Labs, a Google-Alphabet group company and creator of the smart home, to develop a unique solution dedicated to home insurance policy clients. Via Nest Protect, a smoke and carbon monoxide detector, Generali clients will be able to reduce the risks for their family and home thanks to an alert received on their smartphone.

To enable our clients to preserve their independence also in later life and to continue to live in their homes worry-free and in total safety, Europ Assistance has developed Connect&Moi, an integrated service consisting of a device that is able to detect anomalous behaviour and send requests for help and assistance. Thanks to movement sensors it is possible to take preventive action in the event of irregular behaviour while avoiding the inconvenience of having to wear remote assistance devices.

IT security

We are developing an IT security strategy the key elements of which are:

  • governance: we are reviewing the Group’s regulation on IT security in order to include all most relevant approaches and measurement techniques in use, and to organise structured coordination and a reporting process that will provide a more comprehensive view of IT security within the Group
  • risk knowledge: we are improving IT risk management in order to effectively identify the areas at greatest risk of exposure and to understand the specific actions to be taken
  • crisis management: we are developing a centralised crisis management system to continuously monitor IT security
  • sharing information about possible threats: we collect information from public institutions (e.g. the police, the National Computer Emergency Response Team) and specific suppliers, and we share it with functions to identify vulnerable areas
  • awareness: we are delivering specific IT security training to all employees and organising awareness-raising initiatives to keep a watchful eye on IT risks. Reports are also submitted to top management to make it aware of any risks and to support it in its decision-making process
  • regulatory compliance: we are implementing several initiatives aimed at ensuring compliance with the requirements of the EU General Data Protection Regulation (GDPR).

IT security