To ensure a high degree of customer protection and quality of products offered, Intesa Sanpaolo promoted a business model centred around counselling. This approach allowed us to focus the offer on customers’ needs and to make the business proposal easier.
The Intesa Sanpaolo Group, to cover the direct risks of the individual, family and property, continued the analysis of customer needs in order to propose solutions for the needs of the individual and the family, developing innovation and customization to support the traditional offer. In Motor context we provide policies for the car that involve the connection of electronic devices, thus giving immediate assistance in case of need or accidents.
XME Protection is the new insurance solution of the Intesa Sanpaolo Group, modular and customizable, that responds in a simple way to the multiple needs of protection of customers in the Family, Home and Health, during all phases of their life cycle. Thanks to XME Protection, the clientele has the possibility to combine guarantees belonging to different areas of protection through a single contract and to ensure also the loved ones by choosing differentiated coverings and benefiting from increasing discounts in base to the number of guarantees purchased. XME Protection allows at any time to vary the guarantees and/or the ceilings in terms of life cycle, according to the changing needs and events of life, keeping the same policy always active. In particular, with reference to the house, XME Protection offers to the customer the opportunity to assure the property and its contents against the damage from fire, theft and other incidental events such as, for example, the rupture of pipes and the relative spillage of water. Moreover, in response to the increasing sensitivity for protection from the calamitating events that increasingly affect the Country, XME Protection has enriched itself with the guarantees to cover the damage caused to the dwellings and their content by earthquakes, Floods, floods and water bombs.
"Health" is a topic that everyone talks about and that arouses great interest. More and more people resort to private structures for tests and hospitalization. In some categories, such as for dental care, the use of private surgeries is predominant in Italy. Customer surveys show a sharp increase in the propensity towards alternative solutions and a decrease in tolerance towards long waiting lists.
In the health field, the insurance offer of XME Protection ranges from the covers in case of an accident to an economic support in case of surgery and diagnosis of a serious illness, to offer solutions specific to the variegated needs of the customers and with the possibility of integrating the coverage and the assistance services included in the insurance package with an additional service-XME Salute-which allows access to a network of health care facilities (for example, for specialist visits, physical therapy services, Laboratory analysis) at discounted prices.
In the health fieldPolizza ProteggiSalute is the health insurance policy solution of the type of reimbursements, complete for the person and the family, which provides for the reimbursement or the direct payment of the medical expenses incurred following illness or accident.
In the Motor sector, the travel policy range dedicated to the car, is renewed and enriched with new solutions to meet the needs of protection, assistance and convenience of customers. Three products of the range ViaggiaConMe: on Consumption, Unlimited Km, Classic.
ViaggiaConMe Unlimited Km and Travel on Consumption are proposed with the satellite device ViaggiaConMe box, able to give immediate assistance in case of need or the occurrence of accidents. Customers can choose between two types of devices, with and without a call button in case of emergency. Guarantees are always included on Road Assistance and the Waiver of Revenge in the case of driving in a state of intoxication and damage to third parties transported.
ViaggiaConMe Unlimited Km provides a fixed prize regardless of the kilometers travelled, while ViaggiaConMe to Consumption offers to the customers the possibility of saving up to 50% compared to the premium of the Unlimited Km solution, according to the kilometers Paths.
ViaggiaConMe Classic is the new no-box policy that caters to customers who do not want any device on the car and provides basic RC Car warranty While other ancillary warranties are optional. Also in the Motor field, MOTOCONME offers motorcyclists and scooter a personalized insurance protection with a wide range of guarantees, both for the vehicle and for the driver.
Intesa Sanpaolo Vita offers two insurance policies aimed at families:
"Mi Curo dei miei", dedicated to the family protection in the event of the insured premature death
"Tu Dopo di noi", for those with a disabled family member that wish to protect their future by guaranteeing a protected capital that continues to provide them with real, secure protection.
In the context of the protection of finance, the Credit protection Insurance (CPI) offered by the Bank (Protecting and Lending) are modulable insurance solutions that meet the need of those who subscribe to financing, Protect yourself from certain serious and unpredictable events (e.g. death, the occurrence of a permanent total disability or loss of employment) that could prejudice your ability to repay the financial commitment, creating situations of further difficulty Economic for the insured and his household.
Protection for small and medium-sized enterprises. "Business protection", "business protection-Trade", "Business protection-Manufacturing" and "Business-Agriculture Protection", constitutes a line of insurance solutions tailored to retail companies and small and medium-sized enterprises operating in different Economic sectors, in order to guarantee them in the daily performance of the activity and to safeguard their assets in case of unforeseen events.