Annik Penders is a core member of Boston Consulting Group's Insurance practice and a member of BCG’s cadre of experts in the health care payer and provider sector. She leads BCG’s Insurance practice in Europe, the Middle East, South America, and Africa, and is a member of the practice’s global leadership team.

Since she joined BCG in 2000, Annik’s work has focused on advising Belgian, Dutch, and UK senior insurance executives on a broad range of strategy, operations, and transformation topics. She has built deep expertise in distribution, operating model design, technology advantage, and innovation topics for insurers across life insurance, property and casualty insurance, and health care businesses. 

Annik joined BCG directly upon completing her master’s degree.


  • Master’s in Management, Vlerick Leuven Ghent Management School
  • MA, magna cum laude, commercial engineering, UFSIA Antwerp