Mira Kiridzic-B├╝gler, Market Head ACEE, Swiss Re

Clearly, we are all facing many challenges at the same time: high inflation, climate change, natural catastrophes, supply chain issues, etc. Nonetheless, we will consider individual circumstances by market and by client, and together we will find the best solution for our clients' needs.


Aldagi is the first company in Georgia to incorporate segment and data-based approaches into its tariff policy. We have already taken the first steps to offer other insurance companies to have their risks reinsured with Aldagi. We see a real opportunity to go beyond Georgia and extend the range of our activities in the region.

Volodimir SHEVCHENKO, MTIBU General Director

I am cautiously optimistic about the MTPL sector's evolution in the future. The reason for optimism is that from the first day of the war the MTIBU and the MTPL insurers did not stop working to ensure that all road users had reliable insurance coverage. We act with faith in victory: we see our task not only in maintaining the availability and continuity of the process of concluding contracts and making MTPL insurance payments in the war conditions, but also in developing the market and services for car owners. Several steps have been made in this direction.

Dinara TEZEKBAEVA, Chairman of the Board, INGOSSTRAKH, Kyrgyzstan

Closed Insurance Joint Stock Company "Ingosstrakh" was founded in 1996. For 20 years, Ingosstrakh has been providing quality insurance services and is the leading company in the Kyrgyz Republic. Dinara TEZEKBAEVA, Chairman of the Board, answered some questions about the results of the company's work last year. 


As in previous years reinsurers are struggling with macroeconomy, including investment environment. Yet, the market further progressed in the period of "THE GREAT UNCERTAINTY"

VIDEO: Interview with Marijan MUMDZIEV, CEO, AMODO

Insurance consumers' preferences are now shaped by the other industries, insurance providers being compared not only to their peers but to whoever sets the benchmark for a great experience in their lives, believed Marijan MUMDZIEV, CEO, AMODO. In the interview given to XPRIMM he talked about the role digital technologies play in enabling insurers to provide their customers the best possible experience.

Mira Kiridzic-Bugler,Market Head ACEE (Austria, Central & Eastern Europe)
Christian Kreutzer, Market Head & Transactions Lead, Northern, Central & Eastern Europe

The insurance protection gap is a worldwide topic. In CEE countries, salary level and missing trust in insurance are additional factors that contribute to a low insurance penetration. Raising public awareness for the value of insurance is an important task that we are working on closely together with our clients. I also expect that the demand for insurance will grow, as we will experience such events more frequently in the future. On the other side, insurance products need to become simpler and easier to understand with short and transparent conditions.


Beginning of 2021 already showed same uncertainity. At the macro level this is as regards economic recovery with some hopes for the brighter future though as vaccination started. 2021 will be core for development and actual reimbursement of COVID-19 related claims.

Oleg KHANIN, Chairman of the Board of the Insurance Company Kommesk-Omir JSC.

The pandemic has prompted digitalization to become a key industry trend in the upcoming years. In addition, the new reality of 2020 has stimulated insurers to create new products in health insurance (coronavirus insurance, telemedicine, critical illness insurance), as well as insurance programs against business interruption, cyber risks, financial losses.

Lukas HERRMANNS, Chief Executive Officer of Marsh Germany and CEE, Marsh

We don't have the duty to sell predefined products or to deliver a certain combined ratio as an expectation from the shareholders. That is why we can specifically tailor THE risk concept which fits the most to our clients' needs. We frequently see our clients' value and require our advice which does not necessarily lead into placing a cover for them but can be an advice on how to minimize the risks of a company.