UNIQA Insurance Group

What UNIQA Insurance Group does

UNIQA Insurance Group AG is a publicly listed insurance holding company headquartered in Vienna, Austria, that operates Austria's second-largest insurance business and a leading insurance franchise across 14 Central and Eastern European markets. The group serves more than 18 million customers in 17 countries through three core business lines: Health Insurance, Life Insurance, and Property & Casualty Insurance. Distribution is multi-channel, combining direct sales forces, exclusive sales partners, broker and agent networks, digital self-service via the myUNIQA portal and mobile applications, telemedicine services, and dedicated corporate B2B sales teams. The group also operates UNIQA Re AG, a Switzerland-based reinsurance subsidiary, and a range of regional sub-brands including Raiffeisen Versicherung, SIGAL UNIQA, and ArtUNIQA.

The company's technology stack centers on an omni-channel customer engagement platform (myUNIQA, mobile app, Viber/Telegram chatbots, electronic document exchange, pharmacy aggregators) and a recent AI-augmented compliance layer via SymphonyAI's Always-on Compliance platform that unifies customer due diligence across all 14 CEE countries. UNIQA runs a group-wide learning platform (UNIQA University) with AI-driven training recommendations and partners with Mavie Holding to deliver a health ecosystem bundling insurance with home blood testing (MavieMe), telemedicine, and health coaching (VitalCoach). A Natural Catastrophe Competence Center provides specialized risk-assessment capabilities across CEE.

The revenue model is built on recurring insurance premiums (P&C and life & health), supplemented by investment income on the insurance float and assets under management (the group manages more than €2 billion in sustainable investments). UNIQA Re provides reinsurance services. Pricing is set per individual risk profile and policy terms rather than via disclosed tiers; the customer base spans retail individuals, SMEs, and large corporate clients, with no single-customer concentration evident. For FY2025, the group reported net consolidated profit of €424.8 million (up 22.2% year-on-year) and guided FY2026 EBT of €540-570 million, supported by 10% P&C premium growth and 10.9% growth in international markets.

Name

UNIQA Insurance Group

Legal name

UNIQA Insurance Group AG

Website

https://uniqagroup.com

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

UNIQA Insurance Group AG is Austria's second-largest insurer and a leading CEE insurance group, offering health, life, and property & casualty insurance to over 18 million retail, SME, and corporate customers across 17 countries via multi-channel distribution and digital platforms.

Ownership category

akta.pro rank

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Core revenue from property & casualty insurance and life & health insurance premiums collected from retail, SME, and corporate customers across 14+ countries
2. Investment Income: Returns on investment portfolio from insurance float and assets under management. UNIQA manages more than 2 billion euros in sustainable investments
3. Reinsurance: UNIQA Re operates as a reinsurance subsidiary providing reinsurance services to other insurance companies. UNIQA Romania celebrated 20 years of UNIQA Re operations

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

UNIQA Insurance Group is a multi-line insurer offering Health, Life, and Property & Casualty insurance products across Austria and 14 Central and Eastern European countries, serving approximately 17-18 million customers. The company distributes through direct sales, exclusive agents, brokers, and digital channels, supported by an omni-channel ecosystem including the myUNIQA customer portal, mobile app, telemedicine, and the Mavie health ecosystem.

Product overview

UNIQA Insurance Group operates as a multi-line insurance provider offering Health, Life, and Property & Casualty insurance products across Austria and 14 Central and Eastern European countries, serving approximately 17-18 million customers. The product portfolio is organized around three core business lines (Health, Life, Property & Casualty) supported by digital customer engagement through myUNIQA customer portal and mobile app, telemedicine services, and health ecosystems including Mavie (blood testing, coaching) and VitalCoach. Additional offerings include UNIQA Sustainable Business Solutions for corporate sustainability services, UNIQA University for employee development, and regional sub-brands such as Raiffeisen Versicherung, SIGAL UNIQA (SEE region), and UNIQA Re (reinsurance). The company also provides broker and partner distribution through UNIQA MaklerService.

Differentiator

Problem solved

Functional benefit

Brands

• myUNIQA: Customer portal for accessing insurance policies and valuable services
• UNIQA MaklerService
• ArtUNIQA
• Raiffeisen Versicherung
• Always-on Compliance™
• UNIQA Sustainable Business Solutions
• Mavie
• UNIQA University
• ANA

Products and services

• UNIQA Health Insurance

Quantifiable outcome

• 22.2% increase in net profit to €424.8 million in FY 2025
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

16 partnerships are on record, tiered core and minor.

• SymphonyAIcoreTechnology or Integration · 23 June 2026UNIQA selected SymphonyAI's Always-on Compliance™ financial crime compliance platform to unify customer due diligence across its 14 CEE country operations serving approximately 17 million customers. The platform provides centralized, insurance-specific AI capabilities enabling consistent customer risk classification, real-time regulatory updates, and scalable compliance operations without country-by-country customization. Speed of implementation and insurance-specific domain depth were decisive criteria.
• Mavie HoldingcoreStrategic or Co-development PartnerUNIQA partnered with Mavie Holding to create a health ecosystem combining insurance products and healthcare services. UNIQA's Head of Health Insurance serves on Mavie Holding's Managing Board. The partnership includes Mavie home blood tests, telemedicine services, and health coaching through VitalCoach coaches.
• League for Mental Health (Slovakia)minorStrategic or Co-development PartnerUNIQA Czech Republic and Slovakia established partnership with the League for Mental Health in Slovakia for mental health ecosystem development, including e-learning programs for relatives and loved ones of people with mental health problems.
• National Institute of Mental Diseases (Czech Republic)minorStrategic or Co-development PartnerPartnership with National Institute of Mental Diseases in Czech Republic supporting mental health initiatives and destigmatization campaigns for mental health issues.
• Serhiy Prytula Charity FoundationminorStrategic or Co-development PartnerSince 2022, UNIQA Ukraine cooperates with the Serhiy Prytula Charity Foundation providing humanitarian aid to medical institutions and defense forces. More than 12 humanitarian cargo deliveries have been carried out including medical equipment, medicines, and tactical first aid kits.
• Masha FoundationminorStrategic or Co-development PartnerUNIQA Ukraine financially supports the Unbreakable Mom program developed by the Masha Foundation, helping women and children affected by war regain emotional balance. UNIQA contributed 4 million UAH supporting five sessions that helped 150 women and children.
• SAP AribacoreTechnology or IntegrationUNIQA uses SAP Ariba as its strategic procurement platform for all group-wide suppliers to ensure standardized and transparent communication. The SAP Business Network facilitates electronic business document exchange including orders, order confirmations, and invoices.
• Science Based Targets initiative (SBTi)coreOthersUNIQA joined SBTi in 2023 by signing commitment letter and setting targets. Submitted targets in March 2023 and successfully validated in December 2023. UNIQA has interim targets for 2030 validated by SBTi.
• Green Finance AlliancecoreOthersUNIQA joined the Green Finance Alliance in April 2022, a nationwide engagement programme supporting financial companies on path to climate neutrality. Focus areas include investment, underwriting and operational management with exit strategies for coal, oil and natural gas.
• UN Global CompactcoreOthersUNIQA became signatory to UN Global Compact in 2020, undertaking to comply with ten principles covering human rights, labour, environmental protection and anti-corruption. Principles incorporated into Group-wide Code of Conduct.
• UN Principles for Responsible Investments (PRI)coreOthersUNIQA signed on to UN PRI in 2020, aiming to integrate ESG principles into investment decisions. Guidelines for responsible investments have helped focus more strongly on sustainability factors in investing activities.
• UN Net-Zero Asset Owner Alliance (NZAOA)coreOthersUNIQA joined UN NZAOA in October 2021, committing to transitioning investment portfolios to net-zero greenhouse gas emissions by 2050. Alliance represents approximately $10 trillion in assets under management. UNIQA reported to NZAOA for first time in 2023.
• Climate Action 100+coreOthersUNIQA joined Climate Action 100+ in November 2022, focusing commitment on more than 160 of world's highest-emitting companies. Initiative aims for strong corporate governance on climate risks and implementation of GHG reduction measures.
• UN Principles for Sustainable Insurance (PSI)coreOthersUNIQA has been signatory of UN PSI since 2020, serving as global framework for insurance industry to address ESG risks and opportunities and better manage opportunities to provide quality and reliable risk protection.
• Partnership for Carbon Accounting Financials (PCAF)coreOthersUNIQA became signatory to PCAF in June 2025, committing to measure and disclose greenhouse gas emissions of financing, investment and underwriting activities in standardized manner.
• Special Olympics AustriaminorStrategic or Co-development PartnerUNIQA volunteers supported Special Olympics Winter Games in Graz, with 140 UNIQA volunteers participating. UNIQA demonstrates commitment to inclusion through support of these sporting events.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ERGO Group: German insurer (subsidiary of Munich Re) operating across Central and Eastern Europe with multi-line life and P&C products. Comparable in CEE market focus, multi-channel distribution, and digital transformation initiatives targeting European mid-market and retail segments.
• NN Group: Dutch insurance group with significant Central and Eastern European operations, particularly in life and pensions. Direct peer in CEE life insurance and pension markets with comparable multi-country operating model and digital distribution investments.
• PZU Group: Polish insurance leader with strong CEE presence in life, P&C, and health insurance. Comparable in multi-line product mix and CEE expansion strategy, competing directly in markets like Poland, Ukraine, and the Baltics with similar bancassurance and agent distribution approaches.
• Talanx AG: German insurance holding company with HDI brand operating across Europe and Latin America. Comparable in multi-line product portfolio, strong CEE presence, and reinsurance operations via Hannover Re, competing in similar commercial and retail insurance segments.
• Vienna Insurance Group: Austrian insurance group with nearly identical Central and Eastern European footprint and multi-line product portfolio. VIG is UNIQA's most direct domestic and regional competitor, competing head-to-head in Austria and across CEE markets with similar bancassurance and broker distribution models.
• Helvetia Insurance: Swiss insurance group with multi-line operations across Switzerland, Germany, Austria, and selected European markets including Italy and Spain. Comparable in multi-channel distribution, digital customer portal investments, and European mid-market focus with similar life/P&C mix.

Broad incumbents

• AXA SA: French global insurance leader with extensive European operations including CEE markets. Competes in Austria and multiple UNIQA markets with diversified life, P&C, and health portfolio, though less concentrated in CEE-specific underwriting dynamics.
• Allianz SE: Global German insurance leader operating across all major lines including strong CEE presence through Allianz Central and Eastern Europe. Significantly larger scale provides capital and technology advantages, competing with UNIQA in Austrian, Polish, and other core UNIQA markets.
• Zurich Insurance Group: Swiss global insurer with strong European and international presence across P&C and life. Competes in Austria, Switzerland, and select CEE markets with greater scale and broader geographic diversification than UNIQA's CEE-focused strategy.
• Generali Group: Italian global insurance leader with extensive European footprint including CEE operations. Competes in multiple UNIQA markets with broader product portfolio and greater capital base, but less concentrated in Austrian and CEE-specific dynamics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/uniqa

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries11 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UNIQA Insurance Group