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3-3
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SBM-3/S4
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S4-4
PZU brings together all of the PZU Group’s activities and integrates them in a client-focused manner: life insurance, non-life insurance, health insurance, investments, pensions, health care, banking and assistance services, which exerts positive impact on the quality of client experience. The claims and benefits paid out by PZU help families to maintain financial stability in difficult situations, such as illness or death of a family member, loss of home due to fire, flooding. This offers additional protection, which provides the sense of stability and safety. Additionally, thanks to its products and investment funds, PZU supports its clients in accumulating savings and increases their awareness and knowledge of economy. In recent years, the PZU Group has been undergoing a transition from a collection of companies operating separately towards an offer of comprehensive products under one ecosystem.
The segmentation of market clients that PZU uses allows the brand to address the needs of different target groups present in the market and reach them adequately with communications and products. PZU also strives to respond to clients’ needs with their preferences in mind. Clients can take advantage of the offer in fixedbase locations (at branches, by contacting the agent), remotely via a sales hotline, or via the Internet (“myPZU” application/website). This allows PZU to meet the needs of different generations and groups (including families, the youth, seniors, persons with disabilities, clients making use of various on-line tools and those who prefer face-to-face contact). The principles of offering products and serving clients are described in this chapter.
PZU does not offer products that:
- are inherently harmful to humans or increase the risk of chronic diseases;
- potentially adversely affect clients’ rights to privacy, data protection, freedom of expression and non-discrimination;
and consumers who are:
- dependent on accurate and accessible information related to the product or service, such as user manuals and product labels, to avoid potentially harmful use of the product or service;
- particularly vulnerable to health or privacy impacts or the impact of marketing and sales strategies, such as children or the financially disadvantaged.