Bâloise Holding
Bâloise Holding AG was a Swiss insurance and financial services company offering health, property, life, and casualty insurance, plus retirement planning, wealth management, and banking services to retail individuals, self-employed professionals, and corporate enterprises across Switzerland, Germany, Belgium, and Luxembourg. Merged into Helvetia Baloise Group in December 2025.
- Company typePublic
- Founded1863
- HeadquartersBasel, Switzerland
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Bâloise Holding does
Bâloise Holding AG was a Swiss insurance and financial services company founded in 1863 and headquartered in Basel, Switzerland. The company offered a comprehensive product portfolio spanning health, property, life, and casualty insurance, complemented by retirement planning, wealth management, and banking services. Its customer base included retail individuals, self-employed professionals, and corporate enterprises across four European markets: Switzerland, Germany, Belgium, and Luxembourg. Bâloise distributed its products through a multi-channel model combining direct digital sales via its online portal, traditional broker and agent networks, and bancassurance partnerships.
The company's technology infrastructure centered on a digital insurance platform offering online quoting, premium calculators, customer self-service portals, and online claims processing. Underlying operations were supported by data analytics systems, compliance monitoring, and email security infrastructure following RFC standards. Marketing operations leveraged Google Analytics, Hotjar, Facebook Pixel, TikTok Pixel, and LinkedIn Insights for customer acquisition and behavioral tracking. Bâloise maintained regulatory compliance under the Swiss Solvency Test with solvency coverage exceeding 200% and operated with combined ratios below 95%, reflecting disciplined underwriting.
On December 5, 2025, Bâloise was acquired through a merger of equals with Helvetia Holding AG in a CHF 8.3 billion transaction, creating Helvetia Baloise Holding AG. The combined entity was added to major S&P indices in December 2025, and Bâloise was delisted from the SIX Swiss Exchange on December 8, 2025. Pro forma underlying earnings for FY 2025 reached CHF 1,035 million, supported by approximately 20% underlying earnings growth at each legacy entity prior to combination. The merger was catalyzed by activist investor Cevian Capital's accumulated stake and pressure to pursue strategic options. CFO Carsten Stolz resigned effective December 31, 2025, completing the initial leadership transition.
Bâloise Holding firmographics
Firmographics- Name
- Bâloise Holding
- Legal name
- Helvetia Baloise Holding AG
- Website
- https://baloise.com
- Company type
- Public
- Founded year
- 1863
- Operating status
- Acquired
- Headcount range
- 5,001–10,000 employees
- Short description
- Bâloise Holding AG was a Swiss insurance and financial services company offering health, property, life, and casualty insurance, plus retirement planning, wealth management, and banking services to retail individuals, self-employed professionals, and corporate enterprises across Switzerland, Germany, Belgium, and Luxembourg. Merged into Helvetia Baloise Group in December 2025.
- Ownership category
- akta.pro rank
Bâloise Holding industry classification
Industry- Product category
- Insurance
- NAICS
- Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Portfolio Management and Investment Advice (523940)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Investment Advice (6282)
- akta.pro primary industry
- Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)
- akta.pro secondary industry
- Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)
Keywords
Where Bâloise Holding is headquartered
LocationHeadquarters
- HQ city
- Basel
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Bâloise Holding business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premiums: Collection of recurring insurance premiums from policyholders across life, property, casualty, and health insurance lines. Premiums are the primary revenue driver with stable recurring income from the existing policy base.
- Investment Income: Returns generated from the investment portfolio backing insurance liabilities and shareholder capital. The company maintains solvency coverage exceeding 200% under Swiss Solvency Test with diversified investment holdings.
- Banking and Financial Services: Wealth management, retirement planning, and banking services offered alongside insurance products to create a comprehensive financial services offering for retail and business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Insurance products with risk-based pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Bâloise Holding product offering
Product offeringCore offering
Bâloise Holding provides insurance coverage (health, property, casualty, life, and liability), retirement planning and pension products, wealth management services, and integrated banking offerings for individuals, self-employed professionals, and corporate clients across Switzerland, Germany, Belgium, and Luxembourg. The company operates a digital services portal with online quoting, premium calculators, and policy management. Following the December 2025 merger with Helvetia Holding AG, the combined Helvetia Baloise Group continues to deliver these offerings at expanded scale.
Product overview
Helvetia Baloise Group (formerly Bâloise Holding AG) offers a unified financial services platform combining insurance, retirement planning, wealth management, and banking. The core offering includes insurance products for health, property protection, and working ability; retirement planning solutions; wealth management services; and integrated banking products. The product portfolio targets individuals, self-employed persons, and companies across Switzerland, Germany, Belgium, and Luxembourg. Digital access is provided through an online services portal featuring premium calculators and online purchase capabilities for selected products.
Differentiator
Problem solved
Functional benefit
Products and services
- Insurance Services Comprehensive insurance coverage including health, property, casualty, life, liability, and working ability protection for individuals, self-employed persons, and companies across Switzerland, Germany, Belgium, and Luxembourg.
- Retirement Planning Retirement planning solutions and pension products to help individuals prepare for future financial security, including pension schemes for corporate clients.
- Wealth Management Wealth planning and management services to help clients grow and protect their assets, offered alongside insurance and retirement products.
- Banking Services Banking products and financial services integrated with insurance and retirement offerings, including corporate banking and treasury services for enterprise clients.
Quantifiable outcome
- Combined ratios below 95% demonstrating operational efficiency
- +1 more outcomes
Companies that use Bâloise Holding
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Bâloise Holding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
Feature3 records
Bâloise Holding partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Helvetia Holding AGcoreOption of equals merger completed in December 2025, creating Helvetia Baloise Group. The CHF 8.3 billion transaction combined two major Swiss insurers to form a larger entity with operations across Switzerland, Germany, Belgium, and Luxembourg. Both legacy entities exceeded individual strategic targets with approximately 20% underlying earnings growth.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
Bâloise Holding competitors and assessment
Company assessmentBroad incumbents
- NN Group N.V. Dutch-listed insurer with European life, pension, and asset management operations. Comparable in life/pension focus and European retail distribution, with strong investment-management adjacency.
- Allianz SE: Europe's largest insurer with full P&C, life/health, and asset management operations. Overlaps with Bâloise across Germany and asset management (Allianz/PIMCO), but operates at much greater scale and global breadth.
- AXA SA: Paris-based global insurer with strong P&C, life, and health franchises across Europe including Germany and Belgium. Comparable in product mix and European footprint, with broader geographic diversification.
- Generali Group: Italian global insurer with strong European life and P&C franchises. Comparable in product breadth and European distribution scale, with particular overlap in life and wealth management.
Direct peers
- Swiss Life Holding: Swiss life insurance, pensions, and wealth management specialist with international operations. Closely comparable to Bâloise on life/pension and wealth management focus, and as a Swiss-headquartered peer.
- Talanx AG: German-listed insurer (parent of HDI) with P&C, life, and reinsurance operations across Europe. Comparable on multi-channel European distribution and product mix, particularly in German-speaking markets.
- Zurich Insurance Group: Swiss-headquartered global insurer offering life, P&C, and health products across Europe and beyond. Most directly comparable Swiss peer to Bâloise in terms of product mix, geographic footprint (DACH, Benelux), and distribution model.
- Helvetia Holding AG: Pre-merger, Helvetia was a direct Swiss competitor with near-identical geographic footprint (Switzerland, Germany, Italy, Austria, Spain) and product portfolio. The two entities are now combined under Helvetia Baloise Group.
- Ageas SA/NV: Belgian-headquartered insurer with concentrated Benelux exposure and life/P&C offerings. Directly comparable on geographic overlap with Bâloise's Belgian operations and similar size tier.
Regional players
- Vienna Insurance Group: Austria-headquartered insurer focused on Central and Eastern Europe with life and P&C products. Comparable on multi-country European footprint and bancassurance distribution, though geographically distinct from Bâloise's core markets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Bâloise Holding social profiles
Digital presenceBâloise Holding compliance and trust
Trust signalCompliance3 records
Bâloise Holding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bâloise Holding leadership team
Management profileNumber of profiles
Profiles4 records
Bâloise Holding subsidiaries and ownership
Company hierarchySubsidiaries3 records
Bâloise Holding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bâloise Holding M&A and investment
M&A and investmentM&A2 records
Investments12 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bâloise Holding
What does Bâloise Holding do?
Bâloise Holding provides insurance coverage (health, property, casualty, life, and liability), retirement planning and pension products, wealth management services, and integrated banking offerings for individuals, self-employed professionals, and corporate clients across Switzerland, Germany, Belgium, and Luxembourg. The company operates a digital services portal with online quoting, premium calculators, and policy management. Following the December 2025 merger with Helvetia Holding AG, the combined Helvetia Baloise Group continues to deliver these offerings at expanded scale.
Is Bâloise Holding a public or private company?
Bâloise Holding is a public company. It is classified as public and is currently acquired.
When was Bâloise Holding founded?
Bâloise Holding was founded in 1863. It employs 5,001 to 10,000 people.
Where is Bâloise Holding based?
Bâloise Holding is headquartered in Basel, Switzerland, in the Europe region.
How does Bâloise Holding make money?
Three revenue lines are on record. Insurance Premiums are the primary driver. The others are investment Income and banking and Financial Services.
Who are Bâloise Holding's main competitors?
Broad incumbents on record are NN Group N.V., Allianz SE, AXA SA and Generali Group. Direct peers are Swiss Life Holding, Talanx AG, Zurich Insurance Group, Helvetia Holding AG and Ageas SA/NV. Vienna Insurance Group is listed as a regional player.
Does Bâloise Holding have an API?
No public API is recorded for Bâloise Holding.
What industry is Bâloise Holding in?
Bâloise Holding's product category is Insurance. Its primary akta.pro industry code is FSAAAAAL, Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.), with a secondary code of FSAAADAC, Family Office Advisory & Outsourced CIO (OCIO). Its NAICS code is 524 and its SIC code is 6311.