In the life segment, several Group companies offer Dread Disease and Long Term Care insurance, which provides the payment of a lump sum or life annuities upon the occurrence of one of the illnesses listed in the policy or upon the occurrence of the latter’s non-self-sufficiency in performing daily activities daily activities due even to old age.

Among the products launched in 2007, in France a life coverage policy that can be underwritten online and that features low commissions merits special mention. The policyholder is encouraged to donate through this contract to selected associations involved in high social value activities such as social assistance, medical research, the fight against AIDS and others.

Generali Group has recently developed a new insurance product for the elderly, which combines savings management with health protection, also based on the results of a survey conducted among Italian, German and French clients.

Generali products exist that are aimed at enhancing prevention and the adoption of a healthy lifestyle. For example, virtually all Group companies offer life policies with reduced premiums for non-smokers, or the application of additional premiums for smokers.

In the non-life segment, Group companies sell many health and accident products which increasingly match compensation with some tangible services specifically designed to provide help in moments of difficulty, such as home visits by a doctor, babysitters, workers and domestic help and so on.

The Generali Group also pays great attention to prevention.
In Italy, the Generali Group promotes prevention, especially of women’s diseases. An agreement was entered in Italy with O.N.D.A. with the aim of supporting and developing a programme of prevention.
INA ASSITALIA has included in its “Safe health” policy a prevention programme (developed in cooperation with O.N.D.A. - National Observatory on Women’s Health) that includes a series of check-ups (the first of which is free) for the entire duration of the policy.
In France a cutting edge household policy including numerous fire and theft provisions has been launched. Generali gives policyholders two smoke detectors to prevent fires on signing the policy.

In the banking sector, “Friendly” and “Advantage” current accounts offered by Banca Generali and dedicated to members of the Italian Multiple Sclerosis Association (AISM) merit special mention. The products combine concessional economic conditions and particularly simple management methods; they are highly accessible, safe and tailored to the policyholder’s needs.