Cooling water Fiat Punto 176 / High temperature

Hi, I have the following appearance with my Fiat Punto 60, BJ 98 type: 176. If I also drive at -8 degrees at this time of year, e.g. on the highway, speed 100 in 5th gear at approx., 3.2t u/min the cooling water indicator reaches the penultimate beam shortly before red. Above all I have the heating also at maximum. This seems very unusual to me and even in summer it started that the display goes very high and the fan runs almost permanently. What can be the cause? I checked the level seems ok, do you have to change the wisdom? I don’t know what the previous owner tipped in there. If change, how do you do that and what fluid is used for it? And what could be another cause? Greeting