Social Innovation

An increasing number of socio-demographic dynamics have a direct impact on the welfare requirements, insurance needs and environmental phenomena of the country, influencing citizens’ demand for services and the range of solutions offered by the Group.

We are focused on a range of products and services that incorporate environmental and social aspects in response to emerging insurance and banking needs, engaging in the experimentation of innovative distribution channels and greater use of digital tools.  


The Unipol Group looks out for the wellbeing of people of all ages, enabling citizens to access adequate instruments and resources to meet future needs given the issue of an increasing healthcare demand linked to the aging population.

The healthcare offer of the Group is characterised by the integrated healthcare and assistance model, which provides for the customised management of excellent medical care and consultancy in case of long-term or post hospitalisation care. The long-term objective of the Unipol Group is to enable citizens to access adequate instruments and resources to meet future needs in old age and the consequent increase in healthcare demand.

Social Security

The social security offer of the Group is increasingly integrated with protection and assistance services. In this market, the Unipol Group holds a leading position and offers all types supplementary pension schemes dedicated to employees and others, managing total assets exceeding 20 billion euros, with other 583,000 members.  

Members are also given the opportunity to balance performance targets with awareness regarding the sustainable investment principles that characterise the “Ethics” segment, governed according to EDG (Environmental, Social and Governance) criteria.

Other innovative guarantees with direct social benefits

In order to ensure social cohesion, wellbeing and development, Unipol offers concrete solutions dedicated to workers with different risk profiles, regardless of age.

This is the case of policies that meet the needs of specific categories with new risk profiles, typically excluded from the insurance market at present.

In the banking sector, support for start-ups and cooperatives should be noted. The credit granted to cooperatives participating in the “Libera Terra” project for the management of land and property confiscated from the Mafia, coordinated by Consorzio Libera Terra, is particularly noteworthy. Additional initiatives include working buyout projects with financial support granted to the employees of failing companies who, in order to create alternative employment opportunities and safeguard their professional know-how, have established cooperatives.

The gradual adaptation of instruments and services to the new concerns of customers aims to protect and support the realisation of customer projects, thus promoting a more cohesive and sustainable society.