Policy and Guidelines
Offering security to our customers is the reason a.s.r. exists. We are therefore very careful when investing the premiums that customers pay for their insurance. a.s.r. is a member of the Association of Insurers and is therefore well connected to the developments in Brussel.
Policy
Investment Policy
Offering security to our customers is the reason a.s.r. exists. We are therefore very careful when investing the premiums that customers pay for their insurance. We always want to be able to meet our financial obligations. We also offer the assurance that we invest socially responsible.
Tax Policy
Insurance Policy
a.s.r.’s Sustainable Insurance Policy describes how we integrate sustainability (or: ESG) into our insurance processes. It provides frameworks for the application of sustainability criteria 1) in underwriting and 2) in product development and pricing.
Remuneration policy
Promoting and maintaining the integrity and solidity of our organization is the key theme of a.s.r.’s remuneration policy. The long term interests of all of our stakeholders form an important part of this. Our remuneration policy stimulates our employees to devote their efforts in the interests of clients and other stakeholders within the limits of the duty of due care.
Supervisory Board Remuneration Policy
Diversity, Equity and Inclusion policy
a.s.r. is committed to an inclusive culture. For the company’s success it is important that employees are competent, but also that they are sufficiently different from one another. Difference in views, cultures, knowledge and experiences contribute to realising a.s.r.’s objectives and are used and deployed positively in innovative solutions for our customers.
Healthcare procurement policy
Our healthcare procurement policy details how a.s.r. Ziektekosten negotiates contracts with healthcare providers. Our aim is to make this process more transparent, both for healthcare providers and for a.s.r. Ziektekosten itself. The policy explains how our procurement protects patients’ interests, ensures affordable care and makes a meaningful contribution to society.
Voting Policy
Audit Policy
Transactions with related parties
Fair disclosure
Code of conduct
Supplier Code of conduct
Whistleblower procedure
At a.s.r., we attach great value to integrity, confidentiality and a safe working environment. Our Whistleblower Scheme helps us protect these values. The scheme allows employees who work, have worked or will work for a.s.r. and for external (third) parties to safely and confidentially report (suspected) abuses or irregularities that could harm our business operations and reputation.
Our aim is to detect and address potential abuses or irregularities quickly without any negative consequences for the person reporting them. Our scheme focuses on providing protection to the person reporting.
a.s.r. wants possible abuses or irregularities to be reported so that we can take action. Every report is taken seriously and handled with the utmost care by the Compliance department.
(Suspected) abuses or irregularities relating to a.s.r. can be reported as follows:
- Via email: Send an email to: meldpunt.klokkenluider@asr.nl
- By phone: call 030-2579190 and leave a message. For anonymous reporting press #31# 030-2579190
- By post: Send a letter to: a.s.r., attn. Head of Compliance, PO Box 2072, 3500 HB Utrecht
Policy for dealing with inside information
Stakeholder policy
Human rights policy
As an organisation, a.s.r. has an impact on society and may therefore also affect human rights. a.s.r. aims to make a positive contribution to society by respecting and safeguarding human rights and by preventing or mitigating (potential) risks of violations.
Guidelines
The Dutch Code of conduct for insurers
The Dutch Code of Conduct for insurers shows that the sector is committed to achieving a balance between commercial growth and social progress focusing on treating customers fairly. The Code was written based on the core values that were defined in 2009, i.e. certainty, enablement and social responsibility.
a.s.r. is a member of the Association of Insurers and is therefore well connected to the developments in Brussels. This makes the Dutch Association of Insurers particularly through its membership of the European umbrella organization of (re) insurers Insurance Europe. At Insurance Europe trade associations of insurers of all 27 EU member states are affiliated, plus those from a number of neighboring countries. Insurance Europe represents the interests of all types of insurers, including large pan-European banking insurers, mutual insurers and reinsurers.
For more information
Oath or affirmation
Our code of conduct helps us to do our job with due care and integrity. We believe it is vital that our employees adhere to these rules of conduct. To stress the importance we attach to this principle, we want every person who (regularly) provides services for or on behalf of a.s.r. to take the oath or affirmation. By taking the oath or affirmation, each employee promises that he or she will abide by the code of conduct.