My entrepreneuer life has started more than 12 years ago, but first time I cant concentrate 100% for my job. I didnt post anything in social media, I didnt prepare my regulary newsletter. Ive checked only the news regarding Flood in Austria, Vienna and in my village, Rohrau. The whole province Lower-Austria / Niederösterreich was a disaster area. In my village, in lovely Rohrau (place of birth Josef & Michael Haydn) was rain more than 300l/m2.

Many houses were flooded, I was afraid to lose anything, what was important for me, photos, pictures or jewellery. This fear was not really about my life, but about my special personally memories and gifts, that follow my whole life.

Unfortunatly, some people had not only this feeling, but they really lost everthing. (in Austria 5 people died, 2400 person were evacuated, 76 helicopter rescue).

In Austria is the demage only for insurance companies are more than 1 billion Euro. So our daily life is staying over about our daily business and I would say today „People First, Business Second“.

Its a long time, I didnt know, should I send a newsletter about this very special situation or not. But now, by the Danube, the water situation is normalised, since yesterday in my village the road are open to public transportation, I can go with train to Vienna again.

As You know, from „Insury Lady 50.30.10“ I repeated my favorite poem at the end of the documentary film (from 48.50 min, incl. English translation).

One of famous Hungarian poet, Sandor Petöfi (1823-1849) written The whole sea has revolted

„Eternal heaven bear witness. Before all heaven’s fools: Though ships bob on the surface. And oceans run beneath us. It is the water rules.“

But I learned in this time, how important is Collaboration to solve the challenge. Collaboration with neighbors, with public autorithies, with firefighters to help by sandbag dumming. Our mayor sent to everbody every day a message about the status quo and to thank for everybody to helping to save our village, Rohrau.

As you know, our motto #MOI2025 was defined before flood situation but, Im sure now, that I decised right „Collaboration Drives Innovation“. Because, its sure together we are better than alone, not only in private but also in business life as well.

As Im writing this Newsletter, Im looking out of the window and see, that some weak swallows came to bird feed and try to be stronger for the long way to Africa.

I hope we can all gather strength to continue and take the next step, just like the swallows.

Stay safe and see you soon!

When is The Best Time to write a Newsletter?  Before the holiday or after the holiday?

I decided to write it during my holiday from the beautiful Norway – the Queen of the Fjords and the End of Europe – North Cape.

n Holiday you have time to think about new ideas, to summarize your learnings and to drink your Aperol in the Sunset! 😊 Ups, in this time is in Norway no really Sunset!

After an amazing #MOI2024 Innovation Day in Vienna (Jun 2024) – 10Y anniversary, #MOI Talent & Startups Pitching Session and Award ceremony and lot of emotional moments with Ex-MOI Speakers, MOI Partners and Friends and an #InTa (Innovation Talent Network) Digital Lounge Summer Edition (July 2024), was to visit Norway for a long time on my bucket list.

Do you have a bucket list as well? (A bucket list is a list of the experiences or achievements that a person hopes to have or accomplish during their lifetime.)

As You know, my Newsletter is always an inspiration of a famous film. This time is THE BUCKET LIST with Jack Nicholson and Morgen Freeman.

What did we learn from the movie of “The Bucket List”? Plan and execute your bucket list and add more as you go along. See the Word. Find You in your life because nobody else will make it for you. If you can make another person smile, like by #MOI in Vienna, written a compliment and to be always curious. Why? As we learned last year “Curiosity Drives Innovation”

Our embedded and affinity activities show, what it`s a great business opportunity to use your insurance platform to develop positive customer experience. (Third-Party “Win-Win-Win” concept)

What I mean with “win-win-win concept”?

It`s sure, if you buy a e-bike in Austria by @Hervis, you can have from the purchase point an insurance. In Austria regarding Statista.com was solved 246.700 e-bikes. More information HERE

#Uniqa did a cooperation with Hervis and create a great customer experience, if you buy an e-bike. We know it from Igor (#MOI2024 Speaker), that the solution was supported with an amazing graphic design as well. It`s increased the positive customer experience.

Other embedded solution is coming now from #ERGO Group, O2 Telefónica und Telefónica Insurance, „O2 Care | Mobility“. Mark Klein Chief Digital Officer sayed „With ‘Embedded Insurance’, we are turning traditional insurance cover into an ‘Insurance as a Service’ offering.”

„O2 thus offers its private customers a mobility guarantee in the event that a rented vehicle breaks down or a bicycle breaks down. Users also receive telephone support via a 24/7 assistance hotline“ More information HERE

The 3rd embedded solution is coming from #GRECO group „Event cancellation“. Alma Ribanovic, MBA explained us „In an unpredictable world, event cancellation insurance stands as a vital safeguard for organisers against unforeseen disruptions. By providing financial protection and enhancing stakeholder confidence, this insurance plays a critical role in the successful planning and execution of events. As event landscapes continue to evolve, understanding and investing in the right event cancellation insurance policy can make the difference between a manageable setback and a financial catastrophe.“ More information HERE

Do you know, that by InTa – Innovation Talent Network (motivated insurance professionals) will learn more about „Embedded Excellence“ by our InTa Digital Lounge. What is #InTa?

Spela (Zavarovalnica Sava) and Marco (Merkur Insurance) explained us, „Why InTa?“ HERE

If you have interesset o know more about „Embedded Insurance“, subsribe my Newsletter and be part of the Journey! “Learn to innovate”