The lack of sufficient income at retirement is the main concern of Romanians living in urban areas, indicated by over 32% of respondents surveyed as part of an analysis of Romanians' perceptions of risk and insurance, carried out by a specialist company.
Second in the ranking of perceived risks is the lack of funds to manage emergency situations (24%), particularly in the case of health problems involving high costs. Respondents also mentioned the risk of an unforeseen event occurring, such as a traffic accident.
In the case of families with children under the age of 18, the main risk mentioned is the occurrence of a difficult situation within the family.
In this context, the analysis revealed that life insurance has significant potential and can be an important financial solution for alleviating concerns related to insufficient income at retirement. Depending on the chosen product, clients can also opt to add investment or savings components, which allow the accumulation of capital over the long term.
"Among the voluntary insurance policies most frequently chosen by respondents in the study are CASCO [vehicle third party liability] insurance, voluntary home insurance and travel insurance, followed by health and life insurance. The most accessed benefits in the case of health insurance remain laboratory analyses and tests, followed by specialist consultations and imaging investigations, an encouraging sign that prevention is entering Romanians' list of priorities," the analysis reveals.
With regard to travel, 48% of respondents say they travelled in 2025, with figures slightly down compared with 2024. More than half of those who chose to travel abroad also took out an insurance policy.
The analysis conducted by Groupama reveals the profile of a pragmatic consumer whose purchasing decision is guided by a balance between rational and emotional factors.
Although brand awareness is important, factors such as trust, personalisation of the offer and interaction with the brand have become increasingly important in recent years in the final choice.
According to the quoted source, price remains a decisive factor in influencing purchasing decisions, however, compared with previous years, indicators such as recommendations from acquaintances or the company's reputation are beginning to carry increasing weight in the selection process.
Developments over the past three years also show a steady increase in the importance of advice and reviews received from acquaintances or opinion leaders when it comes to the decision to purchase insurance. At the same time, consumers are paying closer attention to how the chosen insurance product meets their needs, with the possibility of personalisation being an important element in the purchasing decision.
Groupama, the leader of the insurance market in Romania, provides services and insurance solutions to its 1.6 million individual clients and more than 150,000 companies. Part of an international insurance and financial services group, mutual in structure and with a history of over 100 years, Groupama is focusing its strategy on sustainable growth, aiming to win customers' preference.
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