Generali and its business unit Catholic present Protection a new insurance offer designed for Italian families. The “Scegli Col Cuore Progetti” and “Cattolica Domani Progetti” solutions offer flexible protection with decreasing capital, which adapts to needs that evolve over time: from buying a home to raising children, to planning active aging.
Massimo Monacelli, General Manager of Generali Italia explained: “As Generali, we want to be close to people at every relevant moment: this is why we analyze the scenario and design insurance solutions to meet emerging needs and protect our customers, remaining faithful to the ambition of being a Lifetime Partner. Our new decreasing capital offer responds to increasingly urgent priorities dictated by a context that sees the need to protect one's future based on the stage of life one finds oneself in. With these new solutions, made distinctive by the valuable consultancy of the Generali Italia and Cattolica Networks, we reaffirm the centrality of Protection in our strategy and in our business model”.
Insurance that adapts to the stages of life
Protection solutions are designed to respond to different situations, such as mortgages or financial commitments that change over time. The main feature is the coverage decreasing capital: it is progressively reduced following the trend of economic needs. As life goals change, protection is also modeled on them.
Mortgages: A Coverage for Long-Term Financing
In Italy, the average age for purchasing a house is around 40 years, with a mutual which has an average duration of 25 years and a financed capital that exceeds 150 thousand euros. With the Protection solutions, Generali and Cattolica offer coverage that follows the French amortization model, adapting to the methods of capital reduction of the mortgage. In this way, the coverage adapts precisely to the progress of the financing, maintaining constant protection even in the case of higher interest rates.
Parenting: A Protection for the Costs of Raising Children
Raising a child until the age of 18 can cost around 175 thousand euros, not counting the additional costs related to university or other future expenses. Protection solutions adapt to these needs, offering coverage that changes over time and follows the evolution of economic commitments related to raising children, from daily maintenance to university studies.
Active Aging: Solutions for Those with Long-Term Plans
Protection solutions are also ideal for those who are in the midst of family or business projects, but need a long term coverage and at the same time seeks a solution that don't burden the budget too much. “Scegli Col Cuore Progetti” and “Cattolica Domani Progetti” offer a higher initial capital and a shorter premium payment period, while maintaining coverage until the end of the contract.
WBenessere: the health service integrated into the offer
The new Protection offer also includes WWellness, a service designed to simplify access to medical care e diagnostic tests at discounted rates, in a network of affiliated facilities throughout Italy. Thanks to the online platform and the MyGenerali app, users can plan check-ups and specialist visits, facilitating access to healthcare services and supporting health prevention over time.
