Insurance at Heart

is one of the few real independent financial advisors with global expertise in how to improve corporate bottom line, lower insurance and pension costs, while also working with the underlying factors to minimize loss of productivity.

With severe corporate experience Insurance at Heart is built to act as “CFO services” able to transform corporate costs and bottom lines into financial efficiencies for executives and board members

Services offered by Insurance at Heart

Sustainable Finance

Sustainable Finance Sustainable Finance is a new mindset, where Insurance at Heart identify, collect, analyze and evaluate data as well as provide recommendations and solutions how to find financial gains, so corporates can transform these...
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IAS19 global oversight and cost analytics

IAS19 global oversight and cost analytics Defined Benefit plans must undergo IAS19 reporting, which can be rather costly. Many large companies use 5-10-15 different IAS19 advisors across the global organisation. Insurance at Heart streamlines your...
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Global Tender Governance and guidance

Global Tender Governance and guidance Insurance at Heart offers training sessions and global guidance if corporates don’t have the internal resources and insights on how to tender insurance and pensions plans in this very technical...
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Defined Benefit

Defined Benefit plans (DB) – your balance sheet risk Globally more and more DB plans have or are being exhausted, but still constitute a (large) risk to the balance sheet. DB plans are most often...
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People Care Policies

People Care Policies Insurance at Heart can help you build and/or improve your internal governance/policies covering the major people care risks, incl. pensions and benefits – most often the second most costly area of the...
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Pooling

Pooling and trainings: Pooling is most often a HQ led activity with no or little involvement from local countries – but corporates can be challenged if there is no/little local understanding and/or resources to answer...
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The award-winning vest project

Gitte was in 2022 awarded twice for an innovative AI based project, the so-called vest project, to help people decrease lower back pain, one of the world´s most impacting injuries to the body and costly to both employees and employers. The Danish Risk Manager Association awarded her “Risk Manager of the Year 2021” and the European Risk Manager Association, FERMA, “the Innovation Insurance Program 2022”

The thinking behind the award winning project

Correlation and analysis of data and working with risk mitigation is common to any Risk Manager. We are used to making risk assessments and introduce risk mitigating actions to improve the company risk profile to insurers, brokers and others. This is primarily regarding the operational risks and assets

When it comes to the people side of the business, the people RISK, I was not the traditional Risk Manager – I took a different and new approach working with this project. To reduce the people risk you need to dive into the root cause why people get sick or run into injuries or even attrition – and lower back pain is one of the most costly work related root causes to sick leave. The costs to societies are billions of EUROs to any country. The project with Precure showed that when introducing their AI based people tech (here, a wearable vest) we could lower the pressure on the spine by 28% in average on the approx. 50 ISS participants, which I then correlated to the internal sick leave data. The result was impressive. The calculated ROI both on costs and improved performance can make any CFO smile….. even after the cost for subscribing to the wearables.

Sick leave is a massive, indirect cost to many companies. Not many know the cost for their own company which can be scary numbers for many executive teams. This project is hopefully an inspiration to others, how you can lower your number of injuries, your Lost Time Injury Frequency Rate (LTIF), less lost performance, reduce your insurance and medical costs, while also improving your care for colleagues and provide them with a welfare benefit to drive behavioral changes, so they don’t or less call in sick and make less use of the medical and other relevant insurances.

The more than massive interest I´ve experienced since the awards during 2022 shows that there is huge potential for many companies to embrace health tech to drive sustainable changes to decrease the sick leave rates and massively reducing costs.

If you want to hear more about this award-winning project, the process or the advantages for companies and other to learn more, don’t hesitate to contact me.

Management Scope – Absence Management should be on the Board agenda

Nice recognition to be featured in the NL – thank you Management Scope and Stefan Duran for featuring “the Danish Vest-project” with PRECURE, which is addressing one of the biggest and global challenges within muscular skeleton, lower back pain. One of the big root causes …

Meaningful and super inspiring conference, big thank you Zurich Integrated Benefits

… for inviting SO many innovative and forward-looking people to London last week to reimagining the future of employee benefits. Gary Piper, Matthias Helmbold and I had the pleasure of discussing the geekier part 😊. We addressed costly areas such …

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