Innovation Fund Round 20 wraps up an exceptional year

At Generali, innovation is not just about technology but it’s about creating meaningful change aligned with our Lifetime Partner 27: Driving Excellence strategy. The Generali Innovation Fund empowers colleagues across the Group to turn bold ideas into initiatives that deliver real value to our customers, businesses, and society.
 

Round 20: A Milestone for Innovation

The 20^th Round of the Generali Innovation Fund marked the last opportunity of the year to access part of the €5 million annual budget dedicated to supporting the Group’s most innovative projects. It was an exceptional round in terms of participation, reflecting the growing enthusiasm for innovation across Generali.

All 11 submissions demonstrated great potential and strong alignment with Generali’s innovation ambition. Each was recognized for its value and received funding, while four of them were promoted to pitching for being the boldest and most substantial in terms of financial request.
 

Projects that earned Board’s approval

• Geoya at scale

“Generali Group one-stop shop platform for NatCat risks prevention”
A strategic initiative to reduce NatCat loss ratios and strengthen clients’ resilience through prevention, risk awareness, and tailored remediation. The platform provides multi-level vulnerability diagnostics for homes and businesses, creating a unique insurance marketplace aligned with emerging EU NatCat policies.

• Project THEMIS

“Raising a new standard in client-focused captive reinsurance through innovation, transparency, and scalability”
A platform designed to scale and digitalize captive reinsurance services. Built on the new Data & Analytics 3.0 architecture, it streamlines end-to-end captive management through a unified data layer, enhancing efficiency, transparency, and scalability — and positioning Generali as a true Lifetime Partner for corporate clients.

• Fleet Telematic SME Market

“Personalized prevention and smarter fleet management for SMEs”
Developed by Generali France P&C with Jeniot, this initiative focuses on connected mobility and road safety for SME clients. Following a successful 2024 test with 30 users, the project secured €330k from the Innovation Fund to create a dedicated fleet manager portal and a personalized mobile app. A six-month pilot is now underway to validate adoption with brokers and clients. The solution enhances driving behavior, enables fleet monitoring, and provides data-driven insights to strengthen loss ratios, client retention, and scalability in the French market.

• AI-enabled CFR Phase 2

“AI-powered closed file review for smarter claims management”
Led by GCI, this project leverages AI to digitalize and automate the Closed File Review process. Building on the success of Phase 1, it replaces manual reviews with a scalable, intelligent framework that integrates human expertise. Focused on automation, traceability, and early risk detection, it enhances fraud management and operational efficiency — laying the foundation for predictive claims risk systems fully aligned with the Driving Excellence strategy.

 

Be part of building a better future

With this round, we close 2025 on a high note - but the journey continues. Applications for Round 21 are already open, and the Innovation Board will review submissions in March 2026.

Do you have an idea that could shape the future of Generali? Don’t wait: apply now!

Even if your idea is still in its early stages, you can join through the Early Stage Engine, designed to support emerging concepts and help them grow.

For more information, visit the Innovation Fund page or contact the Central Innovation Team at innovation@generali.com.