Protection gaps undermine the economic resilience of individuals and businesses in both developed and developing countries. They take many forms, including inadequate retirement saving, insufficient mitigation of natural or man-made catastrophes and vulnerability in the event of cyber attacks.

Our full-day programme will look at the causes of protection gaps and investigate innovative ways to close them.


Conference programme




Registration opens
Location: Hotel Eurostars Madrid Tower
Date: Thursday 24 May 2018

Master of ceremonies: Professor Karel Van Hulle
KU Leuven, Belgium and Goethe University Frankfurt, Germany



Pilar González de Frutos
President, Spanish Association of Insurers (UNESPA)



Insurance Europe president's opening remarks



Keynote speech
The role of the insurer
Antonio Huertas
Chairman & CEO, MAPFRE



Panel debate
Mind the gaps
underinsurance problems and how to solve them 



Keynote speech
The role of the policymaker
Burkhard Balz MEP



Coffee break 



Break-out sessions



1. Including the excluded financial inclusion & microinsurance



2. Not such a disaster mitigating natural catastrophes



3. Back to school ways to improve financial education






Break-out session round-up with the moderators
Moderator: Karel Van Hulle



Keynote speech
The role of the policymaker
Miguel Arias Cañete 
European Commissioner for Climate Action & Energy



Panel debate
Grey matters
tackling the pension timebomb



Coffee break 



Keynote speech



Panel debate
Cyber risks
needed by many, bought by few



Networking cocktail 




Confirmed speakers


Recaredo Arias
Director general, Mexican Association of Insurance Companies (AMIS)
Miguel Arias Cañete
European Commissioner for
Climate Action & Energy
Burkhard Balz MEP

Nathalie Berger
Head, insurance & pensions unit, DG FISMA, European Commission
Gabriel Bernardino
Chairman, European Insurance
& Occupational Pensions
Authority (EIOPA)
Andreas Brandstetter
Chairman & CEO, Uniqa
Insurance Group, Austria
Jorge Claude
Executive vice-president, Chilean Insurance Association (AACH)
Eduardo Dávila
CEO Iberia & Middle East,
Aon Risk Solutions
Paulina Dejmek Hack
Economic adviser to President Juncker, European Commission
Anna Maria D’Hulster
Secretary general, Geneva Association, Switzerland
Jonathan Dixon
Secretary general, International
Association of Insurance
Supervisors (IAIS)
Lard Friese
Chairman & CEO, NN Group, Netherlands
Dario Focarelli
Director general, Italian Association of Insurance Companies (ANIA)
Martin Gronemann
Partner, ReD Associates, Denmark
Pilar González de Frutos
President, Spanish Association of Insurers (UNESPA)
Monique Goyens
Director general, BEUC
(the European Consumer Organisation)
Udo Helmbrecht
Executive director, European
Network Information
Security Authority (ENISA)
Antonio Huertas
Chairman & CEO, MAPFRE
Alejandro Izuzquiza
Director of operations, Consorcio
de Compensación de Seguros
(CCS), Spain
Governor Dirk Kempthorne
President, Global Federation of Insurance Associations (GFIA)
President & CEO, American Council of Life Insurers (ACLI)
Michaela Koller
Director general, Insurance Europe
Alison Martin
Group chief risk officer, Zurich Insurance Group, Switzerland
Adama Ndiaye
President, Federation of African National Insurance Companies (FANAF)
Guillaume Prache
Managing director, Better
Finance (European Federation of
Investors & Financial Services Users)
Dirk Reinhard
Vice-chairman, Munich Re
Foundation, Germany
Ricardo Rodríguez Marengo
CEO Provida AFP,
MetLife, Chile
Miguel Solana
Senior technical officer,
Impact Insurance Facility,
International Labour Organization (ILO)
Mirenchu del Valle Schaan
Secretary general, Spanish Association of Insurers (UNESPA)
Professor Karel Van Hulle
KU Leuven, Belgium and Goethe University Frankfurt, Germany
Chris Wei
Global chairman, Aviva Digital, &
executive chairman, Asia & Friends Provident International, Aviva, UK
Cécile Wendling
Group head of foresight, Axa, France






UNESPA is the Spanish Association of Insurers and Reinsurers. The association was founded in 1977 and represents over 200 firms that as a whole make up 96% of this industry in Spain. These companies invoice €60 billion a year, which represents nearly 5.3% of Spain’s gross domestic product (GDP). The insurance industry handles an average of some 140,000 claims every day. These incidents range from minor inconveniences —like a flat tyre or a leak— to major challenges, such as complex surgical procedures or prudently managing the retirement savings that a person has accrued over the course of his life.

To perform their work, insurers directly employ some 50,000 people. Added to these jobs are the indirect jobs of distribution networks as well as those created within support service industries (adjusters, doctors, construction workers, electricians, lawyers, plumbers, painters, mechanics, and so on). Insurance is a first-class provider of services to society and, as such, is an important creator of work and a driver for the economy. See website for more information.



Ashurst LLP are a leading international law firm advising both national and international clients from key economic sectors on a variety of corporate and financial transactions.

We provide consistently high quality, commercially relevant legal advice and build teams that are specific to our clients' needs, combining specialist legal skills, industry experience and regional know-how. We have a track record of successfully managing complex multi-jurisdictional transactions and our focus is on getting to the heart of your legal needs and delivering practical, commercial solutions. We have 25 offices in 15 countries and a number of referral relationships that enable us to offer the reach and insight of a global network, combined with the knowledge and understanding of local markets, so we are able to respond to our clients wherever and whenever they need us.

The Madrid office opened in January 2001 and currently has over 60 lawyers, fourteen of whom are partners. Since its opening, the office has advised national and international clients from the main economic sectors on numerous corporate and financial deals. See website for more information.


Hanover Search Group is a global executive search specialist founded in 1996. With offices worldwide, we bring a dedicated and discreet service to our clients in the Insurance, Asset and Wealth Management fields. Our discipline focus takes in areas as diverse as Actuarial & Risk on to Investment Management: from Audit & Compliance through to Marketing and Technology. Driving the knowledge and search capabilities behind our successful approach to sourcing talent is our multinational group of highly experienced, highly motivated Partners, Consultants and Researchers.

Our people are our business. Their expertise is unquestionable, their insight far-reaching and their application married to the most demanding standards of professional ethics. As a result of the teamwork and leadership organic to our company, we won the HITC ‘Best Search Firm’ award in 2015 and we consistently featured within the top ten global boutique search firms within the Financial Services sector in the Executive Grapevine market report. See website for more information.


Hogan Lovells is an international firm with more than 2,500 lawyers in 50 offices all around the world. We advise companies, investors, financial and public institutions across all six continents, with a straightforward and practical approach in solving problems.

Our firm has one of the leading insurance practices in the world, providing advice on regulation, M&A, dispute resolution, and commercial matters. We advise in all the key matters affecting the insurance industry, including new formulas for insurance distribution, insurtech, cyber risks, Solvency 2 and relationships with regulators all around the world, amongst other examples.

Hogan Lovells´ Insurance and Reinsurance team in Spain is made up of 21 lawyers fully dedicated and specialized in the insurance and reinsurance sector. Our insurance team is unanimously recognized as the market-leading reference in Spain, and is entirely focused on services for insurers and reinsurers. See website for more information.



Inese provides training, information, communication and global marketing solutions for the insurance industry and related companies. It is based in Madrid, with a franchise in Barcelona and operations across the Latin-American insurance markets. See website for more information. is the indispensable source of information on all aspects of risk and capital management in the insurance industry.

The industry is undergoing rapid change, caused by the regulatory reform, economic and competitive pressures. The key issue underlying the health of the industry is its management of risk and the amount of capital it allocates against this. On InsuranceERM you will find a whole range of related issues covered comprehensively - from enterprise risk management, Solvency II, capital planning, asset/liability management, risk governance, actuarial systems, software, regulation and supervision to market risks, investment risk, longevity risk, operational risk and catastrophe risk.

We publish timely news and analysis of regulatory initiatives, interviews with chief risk officers of re/insurers and policy makers at regulatory bodies, opinion pieces by people in the industry and authoritative analysis by market experts of technical aspects of valuation, accounting, regulation and risk measurement and monitoring.

To see the depth of reporting covered by our editorial team, please take a free one-month trial.



If you are interested in sponsoring our conference, please contact Richard Mackillican (e-mail: mackillican[at], phone: +32 2 894 30 69).


Venue and accommodation


Insurance Europe's 10th International Conference will be in the prestigious Eurostars Madrid Tower. The five-star hotel, which has spectacular views over Madrid, is in the Cuatro Torres business district, just 20 minutes by taxi from Madrid Barajas airport.


Eurostars Madrid Tower *****
Rooms available at preferential rate:

  Single rate (breakfast and VAT included) Double rate (breakfast and VAT included)
22 May €165 €185.50
23 May €225.50 €242
24 May €225.50 €242
Cancellation policy: Hotel cancellation policy applies

Booking: To take advantage of the preferential rate, please complete this booking form and send it by e-mail to the Eurostars Madrid Tower hotel marked for the attention of Rocío Abad ([email protected]).



The fees for attending Insurance Europe's one-day conference are:

  • Full fee | €1 500 (Early bird fee: €1 200)

  • Organisations based in Spain | €600 (Early bird fee: €500)

  • UNESPA members, Insurance Europe members of members and trade associations | €300

  • Insurance Europe members | €100

  • Regulators, supervisors, media, GFIA members, government officials and academics | Complimentary

Early bird deadline: 26 February 2018 | Registration deadline: 16 May 2018