Sustainable business operations

• Carbon emissions (our carbon footprint) will be net zero. Remaining carbon emissions will, after all measures taken, be compensated for 40 years through large-scale reforestation.
• Energy usage (electricity and gas) in our buildings and datacenters will be minimized, looking for possibilities to generate our own energy locally.
• We will acquire 100% of our product and materials in a circular and energy efficient way.

Many measures are being taken to reach these goals in the coming years. Some of which are:

• Location Apeldoorn energy neutral in 2025.
• At all locations we will replace the fluorescent lighting with LED lighting.
• Strengthening biodiversity on our locations.
• Focusing on more sustainable and less traffic mobility.
• Reducing paper-usage and separating waste.
• Measures against climate change in procurement, in collaboration with our partners/suppliers.
• Making for a greener environment around our locations by sharing knowledge, supporting local projects and stimulating innovations.

As an employer and via our housing we aim to achieve fully sustainable and climate-neutral business operations by 2030. With a view to safeguarding this vision and ambition we have compiled an environmental policy. This document explains Achmea’s environmental policy for its internal business operations and therefore relates to Achmea’s personnel and organisation, IT, procurement for internal business operations, housing and facility and document logistics. For all the environmental focus areas relevant to Achmea we describe what these involve, the goals we have set and how we aim to achieve them. We also outline how governance of the environmental policy is structured. This covers the organisation of activities, financing, monitoring and reporting and the environment-related laws and legislation. The environmental policy is reviewed annually against current events and revised where necessary.

Year	Natural gas, electricity and consumption of servers and lease auto’s	In MWh
2024	According to CO₂ footprint calculation (Natural gas/Electricity/Serves/Lease): 229896 GJ	25.572 MWh
2023	According to CO₂ footprint calculation (Natural gas/Electricity/Serves/Lease): 250800 GJ	27.322 MWh
2022	According to CO₂ footprint calculation (Natural gas/Electricity/Serves/Lease): 250800 GJ	27.867 MWh
2021	According to CO₂ footprint calculation (Natural gas/Electricity/Serves/Lease): 281600 GJ	31.289 MWh
2019	According to CO₂ footprint calculation (Natural gas/Electricity/Serves/Lease): 423700 GJ	47.078 MWh

Reducing the number of journeys our employees make and making their travel more sustainable

We are making our employees’ travel more sustainable by, for example, implementing an electric vehicle lease policy and reducing carbon emissions from commuter and business journeys. We have a range of mobility schemes that encourage the use of public transport and/or bicycles, such as the provision of a public transport chip card including use of rental bikes and an allowance for journeys conducted on the employee’s own bicycle. At the same time, we have a clear vision of our new way of working that includes working from home. When it comes to international travel, our policy states that employees will in principle not travel by air within a radius of 700km.

We strive for a CO₂-reduction in traffic mobility: in 2025 and 2030 a reduction of these CO₂-emissions (compared to 2019) by 60% and 82% respectively.

Separating waste

As of 2015 all of Achmea’s waste is gathered, disposed and processed separately. We are striving to further reduce waste to achieve our goal of having a “waste-free office” in 2030.

Reducing paper-usage

The last few years paper-usage has declined significantly. More and more customer contact is conducted in a digital manner and working from home has reduced our employees printing habits drastically. This fits very well within Achmea’s ambition to become a digital insurance company.

We believe it is important to prioritise environmental protection and focus on preserving and restoring biodiversity and essential ecosystems such as clean air, fresh water, food, fertile soil and crop pollination. Moreover, this will help combat climate change and reduce the impact of natural disasters. Biodiversity loss poses a direct threat to ecosystems essential for life on earth. The direct impact of our activities as a financial services provider on biodiversity is limited.

Nevertheless, in those locations where we have opportunities to impact on biodiversity within our own site boundaries, namely Apeldoorn, Tilburg and Zeist, we aim to increase biodiversity value. We do this through various measures such as different mowing policies, construction of water basins, planting more diverse native trees and shrubs, reusing pruning waste on site, insect hotels and nature-rich management. We measure the effects through the systematics Meetlat Biodiversiteit®. In Apeldoorn, for example, the biodiversity score has risen from 158 points (sufficient) in 2019 to 246 points (very good) by the end of 2023 (out of a total of 280 points).

Paris Proof Commitment DGBC

Achmea works towards a climate neutral operations in 2030. Part of which is making our offices energy neutral. To emphasize this ambition, we have signed the Dutch Green Building Council’s Paris Proof Commitment on July 5th of 2021. With this Achmea commits to the agreement that all existing and new building in direct control of Achmea Internal Operations should be Paris Proof in 2040.

Anders Reizen

We participate in the coalition Anders Reizen with over 70 other big corporations. De shared ambition of Anders Reizen is cutting the carbon emission of business travel in half in 2030 (in contrast to 2016). Commuter traffic and travel for Achmea, flights included, per employee is what’s considered business travel.