Practice cases

People involved with financial security encounter dilemmas in their day-to-day work that necessitate clear choices. Some of these dilemmas are described below in the form of practical cases.

In today's society, health insurers are more than simply sellers of health insurance policies. Delta Lloyd wants to be involved with its policyholders, to work with them and where possible to help them in improving their well-being and health and thus in preventing the possible onset of illnesses.
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For Delta Lloyd Group, the introduction of market forces in the healthcare sector raises a continuous need to strike a balance between delivering high-quality care and offering low premiums. In striking that balance, however, Delta Lloyd Health deliberately chooses not to offer the lowest possible premiums.
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The new health system gives insurers more freedom and scope to buy in care from other countries. This has a favourable effect on waiting lists in the Netherlands. But it also demands a standpoint from the health insurer, and choices as to the countries from which they do and do not buy in care.
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Over recent years international guidelines have been developed with a view to influencing corporate behaviour on human rights, labour rights, the environment and other CSR aspects. Examples are the UN Human Rights Norms for Business and the numerous environmental protection treaties.
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So Delta Lloyd Group does not pursue a strict exclusion policy for investments but deliberately opts for a mix of funds that jointly represent the totality of Profit, People and Planet values. Things go a step further, however, when corporate social responsibility is required in the case of a majority shareholding.
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It is the employees of Delta Lloyd Group who must reflect the organisation’s belief in corporate social responsibility in their day-to-day work, and implement its core values in all that they do. Yet no matter how hard they may try, practical reality inevitably throws up the occasional dilemma. Such as when core values are in danger of conflicting with each other.
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With the government progressively rolling back the safety net, more and more people are falling through the cracks. Where, for instance, can a single mother on benefits who can’t make ends meet, let alone buy a new washing machine, turn to for help? There used to be such a thing as special welfare assistance, but that has been almost entirely scrapped.
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