Die Vienna Insurance Group
Vienna Insurance Group is a publicly traded Austrian insurance holding company that operates 50+ insurance and pension subsidiaries across 30 countries — primarily in Central, Eastern, and Southeastern Europe — serving 36 million customers with life, non-life, motor, property, reinsurance, and specialized coverage including biometric and war-risk products.
- Company typePublic
- Founded1824
- HeadquartersVienna, Austria
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Die Vienna Insurance Group does
Vienna Insurance Group AG Wiener Versicherung Gruppe (VIG) is a Vienna-headquartered, publicly traded insurance holding company founded in 1824 that operates a multi-brand insurance and reinsurance platform across approximately 30 countries, with the bulk of its footprint in Central, Eastern, and Southeastern Europe. Through a network of more than 50 wholly-owned insurance companies and pension funds — including regional brands such as Wiener Städtische Versicherung, DONAU Versicherung, Kooperativa (Czech Republic/Slovakia), Compensa (Baltics/Poland), Wiener Osiguranje (Croatia), SIGMA (Albania), Wiener RE, BTA Baltic, Vienna Life, ALFA (Hungary), and the newly acquired NÜRNBERGER (Germany) — the group services approximately 36 million customers with life insurance, non-life (P&C) coverage including motor and property, pensions, and a growing portfolio of specialized products such as biometric insurance and war-risk coverage in Ukraine. The group also runs an in-house reinsurance arm, VIG Re, which underwrites both intra-group and third-party P&C reinsurance and reported EUR 995.6 million in gross written premiums for 2025.
VIG's underlying technology stack consists of insurance technology infrastructure supporting digital transformation across its 50+ subsidiaries, with proprietary elements including a Cyber Defence Center, the evolve28 three-year strategic program (targeting EUR 20 billion in gross written premiums and EUR 1.5 billion in profit before taxes by 2028), and localized digital initiatives such as paperless ISO-certified offices at BTA Baltic and prevention-focused biometric product development across the network. Distribution is carried out predominantly through regional insurance subsidiaries that employ tied agents, captive sales forces, and broker partnerships, supplemented by direct sales capabilities in selected markets. Revenue mechanics are fundamentally subscription/recurring in nature: VIG collects recurring premium income on life and non-life policies, prices risk at the local subsidiary level based on risk assessment, coverage type, and customer profile, and reports under gross written premiums. In 2025, the group recorded EUR 16.3 billion in gross written premiums (+7.1% year-over-year) and EUR 1.16 billion in profit before taxes (+31.7% year-over-year), its first time crossing the EUR 1 billion profit threshold, with a 90.1% net combined ratio and a 12% proposed dividend increase to EUR 1.73 per share.
Die Vienna Insurance Group firmographics
Firmographics- Name
- Die Vienna Insurance Group
- Legal name
- Vienna Insurance Group AG Wiener Versicherung Gruppe
- Website
- https://vig.com
- Company type
- Public
- Founded year
- 1824
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Vienna Insurance Group is a publicly traded Austrian insurance holding company that operates 50+ insurance and pension subsidiaries across 30 countries — primarily in Central, Eastern, and Southeastern Europe — serving 36 million customers with life, non-life, motor, property, reinsurance, and specialized coverage including biometric and war-risk products.
- Ownership category
- akta.pro rank
Die Vienna Insurance Group industry classification
Industry- Product category
- Multi-line Insurance
- NAICS
- Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Carriers, Nec (6399), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Variable Universal Life (VUL) Insurance (FSAIABAD)
- akta.pro secondary industries
- Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Group Term Life Insurance (FSAIAAAJ), Small Group Health Insurance (2–50/100) (FSAIAFAD)
Keywords
Where Die Vienna Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices4 records
Markets served
Die Vienna Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Non-Life Insurance Premiums: Core P&C insurance business including motor, property, and other non-life coverage across CEE markets. Non-life insurance premiums rose 12% in Croatia (H1 2026), contributing 21% motor and 17% property to total premium income.
- Life Insurance Premiums: Life insurance products including protection and savings products. Life insurance grew 7.3% in Croatia (H1 2026) and contributed 32% to total premium income.
- Reinsurance (VIG Re): VIG Re, the reinsurance arm, generated EUR 995.6 million in gross written premiums and EUR 49 million profit before tax in FY 2025. Positioned among Top 30 global P&C reinsurance brands.
- War-Risk Insurance: Specialized war-risk insurance products for Ukrainian small and medium-sized businesses and private individuals, enabled by DFC reinsurance facility backing
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Insurance products tailored to local market needs |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Die Vienna Insurance Group product offering
Product offeringCore offering
Vienna Insurance Group (VIG) is a leading Central and Eastern European insurance group providing life, non-life, motor, property, liability, health and pension insurance products, along with reinsurance services, through approximately 50 insurance companies and pension funds operating across 30 countries. The group serves roughly 36 million customers via established regional brands such as Wiener Städtische, Kooperativa, Compensa, NÜRNBERGER, Wiener RE and VIG Re.
Product overview
Vienna Insurance Group (VIG) is a multi-brand insurance and reinsurance platform operating across 30 countries in Central and Eastern Europe through approximately 50 insurance companies and pension funds. The portfolio consists of subsidiary insurance and reinsurance brands including VIG Re (reinsurance), Wiener Städtische Versicherung, DONAU Versicherung, Kooperativa (Czech Republic/Slovakia), Compensa (Baltic states/Poland), NÜRNBERGER (Germany), Wiener Osiguranje (Croatia), SIGMA (Albania), Vienna Life (Poland/Liechtenstein), BTA Baltic, Vienna Osiguranje (Bosnia), ALFA (Hungary), Kupala (Belarus), and Winner Life (Macedonia). These subsidiaries collectively service approximately 36 million customers with life, non-life, motor, property, and specialized insurance products.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance Life insurance products including protection and savings policies sold to individual retail customers across VIG's 30-country CEE footprint through wholly-owned subsidiaries such as Compensa Life, Vienna Life and Winner Life.
- Non-Life Insurance (Motor, Property, Liability) Property and casualty insurance covering motor vehicle, property, and general liability risks for retail and commercial customers, delivered through regional subsidiaries such as Wiener Osiguranje VIG, Compensa VIG and Kooperativa.
- VIG Re Reinsurance Reinsurance services provided by VIG Re, the group's reinsurance arm, generating EUR 995.6 million in gross written premiums in 2025 and ranked among the Top 30 global P&C reinsurance brands.
- Pension Funds and Savings Products Long-term pension and savings solutions operated through pension funds within VIG's subsidiary network across CEE markets, addressing retirement savings needs of individual customers.
- War-Risk Insurance for Ukraine Specialized war-risk insurance coverage for Ukrainian small and medium-sized businesses and private individuals, delivered through Kniazha VIG with a USD 25 million DFC reinsurance facility backing a portfolio of up to USD 100 million in policies.
- Biometric and Prevention-Focused Insurance Products Innovative biometric insurance products developed under the evolve28 strategy, leveraging health and biometric data for risk assessment and prevention, positioned across the VIG network including the recently acquired NÜRNBERGER.
Quantifiable outcome
- EUR 1.16 billion profit before taxes in 2025, exceeding EUR 1 billion for the first time
- +4 more outcomes
Companies that use Die Vienna Insurance Group
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Die Vienna Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Die Vienna Insurance Group partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered key and expansion.
- AonkeyGlobal professional services firm Aon supported the DFC reinsurance facility agreement with Kniazha VIG, providing broking expertise for the war-risk insurance solution structure.
- Singapore Reinsurers' AssociationexpansionVIG Re gained associate membership in the Singapore Reinsurers' Association in early 2026, supporting plans to establish a Singapore office pending regulatory approval for continued expansion across Europe and Asia.
Scale indicators20 records
Recent moves7 records
Expansion highlights5 records
Die Vienna Insurance Group competitors and assessment
Company assessmentDirect peers
- Swiss Re: Global Top 2 reinsurer competing head-to-head with VIG Re in European P&C and specialty lines, with similar Singapore/Asia reinsurance expansion ambitions and a comparable multi-line primary insurance footprint.
- Munich Re: Global Top 3 reinsurer and the most direct listed peer to VIG Re, with similar combined-ratio discipline, CEE underwriting exposure, and expansion into biometric/prevention-focused primary insurance through ERGO.
- UNIQA Insurance Group: Austrian-headquartered multi-line insurer with deep CEE footprint across 18 countries, ~16 million customers, and a comparable balance of life and non-life business — the most direct Austrian competitor to VIG and closest comparable on geography, scale, and product mix.
- Generali Group: Italian-headquartered global insurer with material CEE presence through Generali CEE Holding, multi-line life and P&C offerings, and a comparable acquisition-led growth model in Central and Eastern Europe.
Broad incumbents
- AXA: French-headquartered global multi-line insurer with material Central European life and P&C operations; broader portfolio including asset management makes it a broader incumbent rather than a focused direct peer.
- Talanx AG: German-listed multi-line insurer operating HDI and Hannover Re; comparable in P&C focus and European footprint, with a similar public-company governance structure and CEE/Eastern European exposure through HDI.
- Allianz: World's largest insurance group with significant CEE operations through Allianz Central Europe, offering P&C, life, health, and asset management products across overlapping geographies at materially larger scale than VIG.
- Zurich Insurance Group: Swiss-headquartered global multi-line insurer with comparable life and P&C mix, similar European focus, and overlapping biometric/wellness product strategy targeting prevention-based insurance.
- Sampo Group: Finnish-listed holding company owning If P&C and Topdanmark, with similar Northern/Central European P&C leadership and a comparable listed-holding structure for multi-brand insurance operations.
- Helvetia Insurance: Swiss multi-line insurer with European home-market focus and recent expansion into Spain/Portugal via the Caser acquisition; comparable in scale, multi-brand model, and life/P&C mix to VIG.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Die Vienna Insurance Group social profiles
Digital presenceDie Vienna Insurance Group compliance and trust
Trust signalCompliance4 records
Die Vienna Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Die Vienna Insurance Group leadership team
Management profileNumber of profiles
Profiles10 records
Die Vienna Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries20 records
Die Vienna Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Die Vienna Insurance Group M&A and investment
M&A and investmentM&A6 records
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Die Vienna Insurance Group
What does Die Vienna Insurance Group do?
Vienna Insurance Group (VIG) is a leading Central and Eastern European insurance group providing life, non-life, motor, property, liability, health and pension insurance products, along with reinsurance services, through approximately 50 insurance companies and pension funds operating across 30 countries. The group serves roughly 36 million customers via established regional brands such as Wiener Städtische, Kooperativa, Compensa, NÜRNBERGER, Wiener RE and VIG Re.
Is Die Vienna Insurance Group a public or private company?
Die Vienna Insurance Group is a public company. It is classified as public and is currently operating.
When was Die Vienna Insurance Group founded?
Die Vienna Insurance Group was founded in 1824. It employs 5,001 to 10,000 people.
Where is Die Vienna Insurance Group based?
Die Vienna Insurance Group is headquartered in Vienna, Austria, in the Europe region.
How does Die Vienna Insurance Group make money?
Four revenue lines are on record. Non-Life Insurance Premiums are the primary driver. The others are life Insurance Premiums, reinsurance (VIG Re) and war-Risk Insurance.
Who are Die Vienna Insurance Group's main competitors?
Direct peers on record are Swiss Re, Munich Re, UNIQA Insurance Group and Generali Group. Broad incumbents are AXA, Talanx AG, Allianz, Zurich Insurance Group, Sampo Group and Helvetia Insurance.
Does Die Vienna Insurance Group have an API?
No public API is recorded for Die Vienna Insurance Group.
What industry is Die Vienna Insurance Group in?
Die Vienna Insurance Group's product category is Multi-line Insurance. Its primary akta.pro industry code is FSAIABAD, Variable Universal Life (VUL) Insurance, with a secondary code of FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts). Its NAICS code is 5241 and its SIC code is 6399.