In 2025, Humania Assurance embarked on a major digital transformation aimed at enhancing accessibility and modernizing its tools. By integrating technological innovation while staying true to its mutualist values, Humania is reshaping how it serves its clients.

Why undergo a transformation now at Humania Assurance?

Staying relevant means evolving. For over 150 years, Humania Assurance has been protecting people. Today, technology is advancing at a rapid pace, and expectations from our policyholders and partners continue to rise. They’re seeking powerful digital tools—yes—but also a close, human relationship.

Our transformation is in line with this thinking: adapting to current expectations while remaining faithful to our mission of offering guidance with expertise and empathy.

How is this transformation taking shape?

It’s already underway, and the impact is clear. We started by modernizing our internal platforms to make operations more agile and efficient.

We’re also enhancing our data analysis capabilities to better understand our policyholders’ needs and anticipate their expectations.

On the digital side, our platforms are evolving, and our website was completely revamped over the past year. All of this is done in collaboration with our clients, partners, and teams—we gather feedback, we test, and we iterate.

The goal is to deliver simpler, more seamless experiences that are better adapted to the needs of our clients and partners.

What about emerging technologies like artificial intelligence or automation?

At Humania, technology is a tool to simplify, accelerate, and—above all—improve the customer experience. Artificial intelligence, for example, helps us better direct our resources, respond more quickly to requests, and automate repetitive tasks.

However, human support remains at the core of our model. For us, innovation doesn’t mean replacing people—it means amplifying their impact. That’s fundamental to who we are.

Does this technological vision also imply an organizational shift?

Yes—a transformation of this scale begins internally. We’ve brought in new talent specialized in technology, customer experience, and data analysis. Our teams benefit from continuous training to stay on top of market trends, and we foster knowledge sharing through collaborative initiatives.

It’s crucial that innovation is driven by all teams, not just leadership. This cultural transformation may be the most demanding part—but also the most transformative.

Humania remains one of the few independent mutual insurers on the market. What impact does that have on your transformation?

Our mutualist model is a major advantage. It encourages us to act with consistency. Our policyholders are also our members, and that shapes how we make decisions. We prioritize collective value and long-term impact.

In a transformation context, that means we can invest in long-term solutions and focus on projects that truly make a difference—without compromising our values.

Transparency, closeness, and fairness are at the heart of our governance, and they guide our approach to innovation.

You’ve also launched an initiative open to the fintech ecosystem. Can you tell us more about it?

Absolutely. We recently launched an innovation competition targeting startups and emerging talent in the fintech space—a sector using technology to transform financial services. The challenge: design a digital solution to improve snowbirds’ travel experience.

This initiative has two goals: to generate tangible ideas and to build bridges with external players. We’re learning a lot from this ecosystem, and this openness helps us stay agile and connected to the best innovations out there.

What do you expect to gain from opening up to the fintech ecosystem?

These collaborations will help us accelerate innovation, diversify our ideas, and broaden our perspective. These young companies bring agility and creativity that perfectly complement our internal expertise. Together, we’ll develop high-value solutions faster, and with a fresh outlook on industry challenges.

Lastly, how do you see the future of insurance at Humania?

I see it as personalized, tailor-made—and above all, more human. Insurance shouldn’t be a complex obligation. It should be an essential, simple, and reassuring financial resource.

At Humania, our top priority is ensuring that our clients and partners feel heard, well supported, and able to interact with us easily and efficiently.

We want to build insurance that protects better—but also understands better. That requires an agile organization that’s open and attentive to the needs of those we serve.

Any final thoughts?

Our transformation is just beginning, but it’s built on a strong foundation. For us, innovation isn’t a project with a start and end date—it’s something we nurture every day.

As long as our decisions remain guided by our core values, we’ll stay on the right path. And we’ll continue doing what we’ve done best for over 150 years: making insurance more accessible.