NN Romania: One partner to support physical and financial wellbeing
Over the past decade, Romania has stood out as one of the fastest-growing economies in Central and Eastern Europe. As living standards have risen, so too have people's expectations. Romanians are increasingly taking a more active role in planning for retirement, seeking better options for healthcare and adopting digital solutions that put information and support at their fingertips.
To support this shift, NN Romania has developed a range of innovative products and services delivered through three businesses: NN Asigurări de Viață SA which offers life insurance, health insurance and voluntary private pensions; NN Pensii SAFPAP SA that offers mandatory private pensions; and NN Asigurări SA which offers a range of general insurance solutions.
‘We are proud to support more than two million people in Romania, helping them care for what matters most to them through a range of solutions that support every stage of life,’ says CEO, Kuldeep Kaushik.
Helping people connect with their future
As in much of the world, demographic pressures in Romania mean fewer workers are supporting more retirees. But, at the same time, an increasing number of people are stepping up and saving for retirement. With more than 9 million Romanians now saving for retirement, total pension assets reached almost €40 billion (RON 209 billion) at the end of 2025.
With almost €14 billion (RON 71 billion) in pension assets under management at the end of 2025, NN Romania provides second and third pillar pension solutions and serves a large number of pension participants through its private pension funds.
Through digital tools, customers can watch their pension savings grow and track their contributions over time. ‘When people can clearly see the progress they are making, retirement planning changes from being a distant obligation to a source of confidence and possibility,’ says Kaushik.
Supporting people when it matters most
While planning for the future is important, people also need support in the present, especially when it comes to their health. In Romania, health spending per capita remains the lowest in the European Union, at less than half the EU average, while 6% of people report unmet medical needs due to cost, distance or waiting times, one of the highest rates in the EU.
Through partnerships with private healthcare providers such as Regina Maria and Enayati Medical City, NN Romania brings insurance and healthcare closer together, offering more integrated support across prevention, diagnosis and treatment.
‘We believe access to healthcare should be faster and easier when people need it most. Through health insurance solutions that can include 24/7 medical advice, telemedicine and care across private clinic networks, NN Romania is helping make healthcare support more accessible and reassuring,’ says Kaushik.
Targeted solutions
NN Romania also tailors support to different stages of life. NN Go offers younger customers a fully online solution combining protection with telemedicine and wellbeing support. For customers aged 55 and over, NN Silver Care offers Romania’s first ever life insurance solution designed specifically for people aged 55+. This includes help with prevention, coverage for major health risks and financial protection for loved ones. For people travelling abroad, NN Premium Care Abroad provides access to specialised treatment for serious illnesses, connecting customers with leading international medical expertise and guidance when accessing treatment in other countries.
Making digital work for people
Whether customers are preparing for retirement, managing insurance or accessing healthcare support, digital services can help make those experiences simpler and more accessible.
The NN Direct app, used by more than 240,000 customers, gives people quick and easy access to their pensions and insurance. Customers can check their savings, update details or access documents in minutes, without needing to visit a branch or deal with paperwork.
‘Digital solutions should make people’s lives simpler. When people can easily understand and manage their finances, they are more likely to stay engaged and take confident steps for the future,’ says Kaushik.
A different kind of relationship
NN Romania does more than just offer products. It is building long-term relationships, supporting customers as their needs change and their lives evolve.
In a market where financial services can sometimes still feel distant, this approach stands out. ‘Our ambition is to be more than a provider. By bringing together pensions, protection, healthcare services and digital solutions, we aim to be a trusted partner in people's everyday lives and to make financial wellbeing more accessible and relevant for Romanians,’ says Kaushik.
Because in the end, it's not just about being there when something goes wrong. It's about making it easier for people to feel in control, supported and prepared, every step of the way.