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Jan 10, 2024

AG at 200: Pioneering Wellbeing Solutions Beyond Insurance

Insurope’s Network Member in Belgium, AG stands as a beacon of resilience and innovation. As the insurer celebrates its bicentennial in 2024, what continues to set AG apart is its unwavering commitment to placing the customer at the heart of its operations. As such, it is no surprise that AG is the leader in the Belgian insurance market with 2.7 million clients—where 1 Belgian out of 3 is a client of AG.

Navigating the Belgian Insurance Landscape

Belgium boasts a robust insurance market where both social security and private employee benefits hold significant sway. The intricacies of the Belgian social security system, catering to salaried individuals, self-employed professionals, and civil servants of the federal government, set the backdrop for the flourishing demand for supplementary insurance coverage. Local needs, stemming from a desire to enhance the safety net provided by social security programs, manifest in various forms, including:• Occupational Pension Plans: To complement the legal pension system and safeguard pension income.

  • Life Insurance: To address the gaps in social security coverage, offering broader protection under more diverse circumstances.
  • Disability Pensions: To augment legal disability or worker’s compensation disability pensions and ensure a robust replacement ratio (aiming for 70-80% of professional income).
  • In and Out of Hospital Medical Care Insurance: To fill the gaps in healthcare coverage, ensuring comprehensive medical protection.

While none of the mentioned benefits are obligatory, the majority find representation through company-sponsored plans. AG, a stalwart in the Belgian insurance landscape, stands out with its poolable benefits, offering a comprehensive suite that includes Disability, Life, Medical, and Pension coverage. AG's commitment to providing a diverse range of benefits aligns seamlessly with the evolving needs of individuals and businesses in Belgium.

Yet, AG strength lies in its staunch dedication to going beyond the traditional role of an insurer. The company is committed to not only providing coverage but also offering services designed to enhance and improve the lives of its customers.

Wellbeing Beyond Traditional Insurance

One stellar example of this commitment is its innovative wellbeing solutions aimed at both employers and employees.

My WellRi: Empowering Companies through Wellbeing Insights

At the forefront of AG‘s innovative approach is "My WellRi," a quantitative and scientific assessment of employees' general and workplace wellbeing. Developed in collaboration with AG Health Partner, this tool equips companies with invaluable insights needed to lay the foundation for a comprehensive wellbeing policy. By focusing on the wellbeing of the workforce, AG Insurance recognizes the profound impact it can have on overall productivity and employee satisfaction.

My Mind by AG: Prioritizing Mental Health

Recognizing the importance of mental health, AG has introduced "My Mind by AG." This service, accessible via the MyAG Employee Benefits app, provides employees with a range of mental health services. Scientifically proven self-care tools and a 24/7 Safe2Talk helpline, staffed by professional counselors, ensure that employees have the support they need, contributing to a healthier and more resilient workforce.

My Care by AG: Revolutionizing Telehealth Services

In the era of digital transformation, AG is staying ahead of the curve with "My Care by AG." This telehealth service, available through the MyAG Employee Benefits app, leverages Doktr, a telemedicine app. Employees can conveniently schedule video consultations, bridging the gap between work and personal commitments. My Care not only enhances accessibility to healthcare but also fosters a culture of proactive health management.

Return To Work: A Multidisciplinary Approach

AG's commitment to employee wellbeing extends to those facing stress-related conditions with the "Return To Work" assistance program. This multidisciplinary and individually-tailored initiative aims to safely and successfully reintegrate individuals into the workplace. The Return-To-Work dashboard empowers employers to monitor program results and make necessary adjustments to their wellbeing policies, reflecting AG’s dedication to continuous improvement.

As AG marks its 200th year of existence, its legacy is not just one of longevity but of consistent innovation and a genuine commitment to customer wellbeing. The recent introduction of My WellRi, My Mind by AG, My Care by AG, and the Return-To-Work program exemplifies AG Insurance's proactive approach in shaping the future of insurance. By going beyond insurance and offering comprehensive wellbeing solutions, AG Insurance is not just safeguarding against risks but actively working to contribute to the betterment of lives, embodying the true spirit of a customer-centric insurer in the 21st century.

Specialized Solutions in Every Market

When it comes to employee benefits, one size no longer fits all.

This is why the Insurope Network offers a multinational solution that is tailored for the needs of employees in every country where an organization does business. Delivered through local Network Members like AG in Belgium, as an add-on to their already strong employee benefits programs, this wellbeing offering enhances and reinforces our Network’s established multinational employee benefits solutions. And by enabling organizations to promote the physical and mental wellbeing of their workforce, it contributes to overall productivity, engagement, and talent management.