NN Hellas completed its vision for 2025, confirming its steady growth trajectory and commitment to creating long-term value for customers, employees, partners and society. Focusing on customer experience through consistent investments in digital transformation and developing its people, the company continues to strengthen its position in the Greek private insurance market.
NN Hellas: Strong profitability and significant commercial momentum
In terms of financial results*, it surpassed the €1 billion milestone in gross written premiums, recording an 8% production increase – double the growth rate of the Life & Health insurance market. Operating profit reached €97.2 million, marking an 8% increase, while the company’s total assets exceeded €5 billion and the Solvency II ratio reached 155%, confirming its strong capital position and financial robustness.
According to group results, Greece contributed significantly to European market development, recording strong profitability and substantial commercial momentum. Its performance also stood out in overall European premium production, with particularly high results in Unit/Index Linked products and health insurance.
During 2025, the company paid out €776 million in claims, including policy buybacks and maturities – an amount increased by €72 million compared to 2024 – demonstrating its commitment to standing by its policyholders. Meanwhile, the customer satisfaction index (NPS – Net Promoter Score) remained above market average.
A decisive factor in achieving exceptional customer experience was and remains the company’s digital transformation through leveraging artificial intelligence.
Leveraging artificial intelligence
NN Hellas has made significant progress implementing its strategy for extensive data and AI utilization in core operations by 2027. It already uses cutting-edge tools like process mining to identify improvement opportunities in the customer journey. The migration to Genesys Cloud enhances automation and, through interoperable systems, offers unified seamless service across all channels. Additionally, implementing Agentic AI enables complete automation of policy buyback request management, improving customer experience and accelerating payments.
The company adopts a “Digital First” philosophy, upgrading services with emphasis on self-service. In the renewed digital environment of myNN, the customer connection portal, NN Hellas policyholders can interact directly with the company, submit contract modification requests and upload documents completely digitally. Using advanced methods for data marking, organization and evaluation support significantly enhances immediate service, while information enrichment boosts transparency, with over 33,000 claims already available on the platform. Finally, customer experience is enhanced with the new AI digital assistant, which provides contract and claims information and will soon autonomously complete routine tasks, offering greater speed and convenience.
Developing the exclusive network remains a high priority for NN Hellas, as it substantially contributes to maintaining both its market leadership and trust relationships with customers. The company continued targeted investments in ongoing partner training and developed advanced tools like AI TraiNNer, a platform that uses AI avatars to train partners in realistic customer service scenarios.
The contribution of its 605 employees was also crucial to the year’s results. The company maintained its human-centered culture, continuing to invest in data & AI skills, wellbeing initiatives for its people, and strong equality and inclusion policies. In this context, NN Hellas’ workforce includes employees from seven different countries, while additional renovations were completed within and around the company’s facilities to make them 100% accessible to all. Additionally, during 2025, 76% of employees completed over 8 hours of training in digital skills and AI. The company’s practical commitment to its people was sealed with a significant recognition: 2nd place on the list of top employers in Greece for the second consecutive year. Among the initiatives contributing to this recognition was the “Connection & Wellbeing” program, which was internationally awarded and represents a comprehensive approach to employees’ mental and physical wellbeing and strengthening bonds between them.
Multi-year investment in society
Meanwhile, NN Hellas continued its steady, multi-year investment in society. Through initiatives for mental and physical wellbeing of children, families and elderly people, as well as financial empowerment of the younger generation, a total of 32,195 people were supported, while employees offered over 2,300 hours of volunteering, thus enhancing the company’s substantial social impact.
Commenting on the past year, Chairman & CEO Philippa Michali stated: “2025 was a milestone year for NN Hellas, having exceeded €1 billion in gross written premiums, recording the highest performance achieved by a company in the Greek insurance market. Our results confirm our momentum and the trust of customers and partners. Consistent with our strategy, we advance in our digital transformation, leveraging data and technology for the benefit of policyholders, our people and society. With steadfast commitment to sustainable development, ethical use of technology and care for people and society, we will continue shaping the future of private insurance in the country.”
