History

Achmea’s roots lie in Achlum 1811. Ulbe Piers Draisma wanted to provide insurance coverage to 39 farmers and established citizens in order to protect their properties against fire. The co-operative principle was essential to his business plan. What happened when a farm burnt down? The farmer and his family went bankrupt. This new insurance organization served the farmers who wanted to insure their properties against this risk of fire.
 
Do you want to know more about how Achmea evolved, in more than 200 years, into the insurance company it is today? Our company merged with like-minded insurers sharing the same co-operative background. Please explore our timeline.​
1811
Founding mutual insurance co-operative Achlum

Founding mutual insurance co-operative Achlum

In Achlum, Ulbe Piers Draisma established the administration for a mutual insurance co-operative called de Onderlinge Brand-Assurantie-Sociëteit. This enabled 35 Frisian farmers and landed gentry to mutually insure their properties against fire damage.
1813
The first case of damage

The first case of damage

The first case of damage arose in 1813 when Ids Jacobs Haima’s farm was struck by lightning. The neighbours estimated the damage at 2,772 guilders and 50 cents. In accordance with the contract, 75% of the damage was made good.
1815
Onderlinge Brandassurantie

Onderlinge Brandassurantie

The Onderlinge Brandassurantie (OBAS), was founded by two men who were not able to join the Achlum co-operative because they didn't live in the insured area. OBAS also provided insurance for crops, hay and livestock. Both Achlum and OBAS expanded quickly.
1827
Ziekenfondsen

Ziekenfondsen

The ziekenfondsen (health insurance funds) Voorzorg and Hulp were founded in Leiden. These were the forefathers of Achmea Healthcare. Members paid a fixed amount per month. This entitled them to care provided by doctors contracted by the ziekenfondsen.
1902
Centrale Werkgevers Risico Bank

Centrale Werkgevers Risico Bank

63 entrepreneurs mutually insured the risks of workplace accidents for a total of 35,000 employees.
1909
Centraal Beheer

Centraal Beheer

Centraal Beheer was founded after a huge increase in the number of mutual risk societies, and it continued to grow steadily between 1910 and 1920. By the end of 1920 some 200 people were working there.
1930

Centraal Beheer became the most important executive agency for the Sick Pay Act.
1945
GAK

GAK

After WW II the GAK was founded to carry out social security acts together with Centraal Beheer.
1949
Zilveren Kruis

Zilveren Kruis

Zilveren Kruis was founded by the ziekenfonds Woerden en Omstreken, and in 1985 it merged with Vereniging Gezondheidszorg Centrum Nederland.
1956
FBTO

FBTO

De Friesche Boeren en Tuinders Onderlinge (FBTO) was founded for Frisian Farmers and Horticulturists. From the 60s, FBTO started selling insurance directly to its customers without intermediaries. From 1965 onwards, the area was extended beyond Friesland.
1969
Interpolis

Interpolis

Interpolis was founded following the merger of de Onderlinge Brandassurantie with three mutual non-life insurers and a life assurance company.
1986
Avéro

Avéro

Avéro was founded following the merger of a large number of mutual insurers. Mergers followed with FBTO in 1987, and with OLM and OVVM in 1960.
1992
AVCB groep

AVCB groep

AVCB groep originated from a merger between Avéro Verzekeringen and Centraal Beheer.
1995
Achmea

Achmea

Zilveren Kruis merged with AVCB and became Achmea. In addition Eureko was founded in order to expand into Europe.
1998
PVF

PVF

Achmea merged with PVF pensioenen (pensions).
2000
GAK

GAK

GAK and all of its activities were taken over by Achmea.
2005
Interpolis and Achmea

Interpolis and Achmea

Achmea merged with Rabobank subsidiary Interpolis. Interpolis has been around since 1898, and in the past the company has merged with several farmers and horticulturists unions.
2007
Agis Zorgverzekeringen

Agis Zorgverzekeringen

After reform changes to the healthcare system in 2006, Agis (health insurance) decided to merge with Achmea in 2007.
2009
Inshared

Inshared

Inshared started as a fully digitized insurer, enabling customers to arrange all their insurance online. Premiums that are not paid out are reimbursed to insured members.
2011
200th birthday Achmea

200th birthday Achmea

Achmea celebrated its 200th birthday at a convention in Achlum. An audience of some 2,000 people discussed the future of the Netherlands.
2011
Eureko becomes Achmea

Eureko becomes Achmea

The Eureko/Achmea groep continued under the name Achmea. Eureko B.V. became non-existent.
2012
Volgens Nederland

Volgens Nederland

Inspired by the convention in Achlum, Achmea started Volgens Nederland (According to the Netherlands). Via its online platform and ‘living room discussions’ Achmea discusses social topics with their Dutch audience.
2013
Accelerate & Renew

Accelerate & Renew

Achmea announced major changes in order to anticipate the changing needs of its customers. In the time to come, more will be invested in online services. Unfortunately, it is inevitable 4,000 jobs will be lost.
2014
Achmea Health Centers become a part of Fitland

Achmea Health Centers become a part of Fitland

Achmea no longer needs to own and operate its own fitness centres. This resulted in the sale of a total of 19 Health Centers to Netherlands-based fitness chain Fitland. An additional 12 Health Centers, along with the head office, were closed.
2015
Agis becomes Zilveren Kruis

Agis becomes Zilveren Kruis

The brand Agis, including TakeCareNow!, disappears. From the 1st of January its a part of Zilveren Kruis.
2016
Achmea Investment Management

Achmea Investment Management

Syntrus Achmea Vermogensbeheer and Achmea Beleggingsfondsen Beheer together form Achmea Investment Management. Achmea Investment Management will be aiming to serve both institutional and private investors.
2016
Hail storms

Hail storms

Severe hail storms in June caused in excess of €300 million damage and affected more than 30,000 of our customers.
2017
Achmea becomes part of Blockchain initiative B3i

Achmea becomes part of Blockchain initiative B3i

Achmea takes part in the Blockchain initiative B31 together with Europe’s five biggest insurers. They have come together to determine how blockchain can be deployed to deliver faster, more convenient and secure services.
2017
Achmea Foundation exists 10 years

Achmea Foundation exists 10 years

To celebrate this fact the Achmea Foundation organizes a congress where all the corporate foundations of The Netherlands meet and exchange experiences. The independent Achmea Foundation received 30 million in 10 years, 0,5% of the total result of Achmea.