Health, Finances and Safety: Allianz 3am Report Reveals Biggest Personal Concerns of 2025

What keeps people awake at night in 2025? While individual concerns differ from country to country, people across the world worry most about their health (49% of global respondents), finances (45%) and safety (35%). 

These are the key findings of a global Allianz Group study titled “The Allianz 3am Report 2025 – What Keeps Us All Awake at Night”, in which 8,000 participants in Australia, Brazil, France, Germany, Indonesia, Italy, Turkey, and the UK were asked about their personal concerns in late August 2025.

Personal finances and safety are major sources of anxiety. Unpaid bills, growing debts, pension matters, and financial decision-making are the second biggest fear worldwide, where many people are facing a higher cost of living. In Indonesia (59 %) and Australia (47%) that's the issue that worries people most. Personal safety is the third biggest concern across all countries according to the survey. In particular, feeling unsafe outside the home and concerns about cybersecurity and data protection trouble people of all ages around the world.

Different generations also have different worries: Older generations (Baby Boomers and Gen X) are most preoccupied with health and broader societal issues, while younger generations prioritize finances as their number one issue. Millennials and Gen Z worry more about topics closely related to their personal and professional lives, such as education, careers, relationships, and technological change. This generational contrast also extends to environmental awareness. Baby Boomers are the most environmentally conscious generation — at least seven percentage points more uneasy than any other group, and even twelve points more than Gen Z.

When it comes to health, people worry most about their own physical wellbeing (47%), the health of family members (44%), and access to medical care and treatment (43%) across all countries. Unlike overall worries, health-related fears vary more strongly from country to country. Germans are the only group particularly concerned about long-term and chronic conditions, while people in Turkey are most afraid of serious illnesses. Brazilians are especially troubled by mental health (ranked #2 overall), which also appears among the top five worries in Australia, the UK, Indonesia, and Turkey. Australians and Indonesians are particularly worried about the cost of healthcare, whereas in France, healthcare access is the most pressing issue. The health of family members is also a major concern in France, the UK, Indonesia, and Italy.

In terms of generational differences, Baby boomers focus on physical health and access to treatment (+14pp vs. Gen Z), while younger generations prioritize mental health, with Millennials being the most mental-health oriented generation (42%). Millennials, Gen Z, and Gen X are nearly twice as concerned about stress and stress management as Baby Boomers, while Gen X also consistently ranks highest on concerns about family health — reflecting their midlife caregiving responsibilities.

With this report, Allianz aims to gain a deeper understanding of its customers’ concerns in order to serve them better. Conducting the study regularly – with in-depth analyses and country-specific reports – reinforces Allianz’s role as a trusted partner in understanding global sentiment, individual worries, and their impact on the economy and society. And the commitment goes beyond research, with Allianz actively taking action to address these fears through financial literacy and social impact initiatives, as well as through its partnerships in sports and health programs. Its latest global initiative, The Power of Unity, seeks to foster constructive dialogue and long-term solutions that promote trust and stability in today’s world – one of the ways Allianz is working to help people feel more secure.

The complete report (covering all surveyed countries) is available for download here.