Achmea Reinsurance


We are the competence centre in the field of reinsurance within the Achmea Group. Many of our staff members have more than 15 years of experience in reinsurance. It is our ambition to be the group reinsurer that creates long term financial value for Achmea and contributes to the growth ambitions of Achmea by means of third party reinsurance.

As reinsurance competence centre for the Achmea Group, we have three roles: advisor, risk carrier and reinsurance buyer. We primarily serve Achmea group companies. These are the legal entities Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V., N.V. Hagelunie and the non-Dutch operating companies.

As risk carrier we also offer reinsurance to a selected number of third parties to further diversify our book of business and enhance the profitability of Achmea. We are located in Tilburg, the Netherlands.

More information about our business >

News & media

Achmea posts strong operational result of €585 million over 2021

  • Higher result Non-Health activities due to autonomous growth in the Netherlands and abroad, positive development of the real estate and equity markets. 
  • Result Health activities affected by the €392 million contribution of reserves to limit increases in premiums. 
  • Market leadership in Health reinforced, market position in Non-Life and asset management strengthened; AuM increased to €247 billion. 
  • Raised sustainability ambitions with focus on accelerated climate-neutral business operations, investments and products. 
  • Solvency ratio robust and increased to 214%, even after provisioning for setting 2022 health premiums and recent share buyback. 
  • Free Capital Generation increased to €740 million based on strong results and positive financial markets developments.

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Achmea Reinsurance Annual Report 2021

Annual report 2021

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Achmea’s operational annual result is  €630 million, a solid performance in exceptional circumstances.

  • Premium growth in Non-Life and International activities, Assets under management increased by 41% to €227 billion 
  • Strategy of digitisation and the efforts from employees result in continued high level of services to customers 
  • Robust solvency ratio of 208% and sound liquidity position 
  • Increased result at Non-Life; combined ratio improved to 92.9% 
  • Result Pension & Life affected by impact Covid-19 on financial markets 
  • Result in Health on balance positive because of: Increased cost for hospitals related to Covid-19 and €1 billion continuity contribution to health care; Government contribution under the catastrophe scheme and decrease regular, elective care
  • In line with our cooperative identity, we delivered broad social value added

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Achmea Reinsurance sponsors new €100 million cat bond Windmill II Re providing cover for European windstorm

  • Achmea Reinsurance returns to the insurance-linked-securities (ILS) market with a €100 million cat bond providing cover for European windstorm on an ultimate net loss, per occurrence basis. 
  • This transaction is Achmea Reinsurance’s third sponsored cat bond and the first under Rule 144A of the US Securities Act.

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Corporate Governance

On 15 December 2010, the Dutch Association of Insurers (in Dutch: Verbond van Verzekeraars) published its governance principles, also known as the Insurers Code of Conduct.
The Insurers Code of Conduct sets out principles on corporate governance, risk management, audit and remuneration policy for application by Dutch insurers.
Achmea has chosen to report on the application of the Code of Conduct at Group level because of the structure of its organisation and the Group’s governance. Achmea is aware of the social aspects of its business and the role an insurer plays in society.


Therefore, Achmea fully endorses the Code of Conduct and sees it as an important step in restoring trust in the insurance sector, safeguarding stability and protecting the interests of all parties involved. More details on our compliance with the Code of Conduct are available in the relevant paragraphs in the Insurers Code of Conduct 2014 and in the chapter Governance in Achmea’s annual report.