UNIQA Insurance Group
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.
- Company typePublic
- Founded1990
- HeadquartersVienna, Austria
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
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.
UNIQA Insurance Group firmographics
Firmographics- 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
Where UNIQA Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices6 records
Markets served
UNIQA 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
- Insurance Premiums: Core revenue from property & casualty insurance and life & health insurance premiums collected from retail, SME, and corporate customers across 14+ countries
- Investment Income: Returns on investment portfolio from insurance float and assets under management. UNIQA manages more than 2 billion euros in sustainable investments
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Insurance products with customized pricing based on individual risk profiles |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
UNIQA Insurance Group product offering
Product offeringCore 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
Companies that use UNIQA Insurance Group
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
UNIQA Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
UNIQA Insurance Group partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- SymphonyAIcoreUNIQA 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 HoldingcoreUNIQA 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)minorUNIQA 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)minorPartnership with National Institute of Mental Diseases in Czech Republic supporting mental health initiatives and destigmatization campaigns for mental health issues.
- Serhiy Prytula Charity FoundationminorSince 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 FoundationminorUNIQA 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 AribacoreUNIQA 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)coreUNIQA 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 AlliancecoreUNIQA 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 CompactcoreUNIQA 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)coreUNIQA 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)coreUNIQA 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+coreUNIQA 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)coreUNIQA 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)coreUNIQA 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 AustriaminorUNIQA 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
UNIQA Insurance Group competitors and assessment
Company assessmentDirect 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
UNIQA Insurance Group social profiles
Digital presenceUNIQA Insurance Group compliance and trust
Trust signalCompliance3 records
UNIQA Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
UNIQA Insurance Group leadership team
Management profileNumber of profiles
Profiles17 records
UNIQA Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries11 records
UNIQA Insurance Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UNIQA Insurance Group M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UNIQA Insurance Group
What does UNIQA Insurance Group do?
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.
Is UNIQA Insurance Group a public or private company?
UNIQA Insurance Group is a public company. It is classified as public and is currently operating.
When was UNIQA Insurance Group founded?
UNIQA Insurance Group was founded in 1990. It employs 5,001 to 10,000 people.
Where is UNIQA Insurance Group based?
UNIQA Insurance Group is headquartered in Vienna, Austria, in the Europe region.
How does UNIQA Insurance Group make money?
Three revenue lines are on record. Insurance Premiums are the primary driver. The others are investment Income and reinsurance.
Who are UNIQA Insurance Group's main competitors?
Direct peers on record are ERGO Group, NN Group, PZU Group, Talanx AG, Vienna Insurance Group and Helvetia Insurance. Broad incumbents are AXA SA, Allianz SE, Zurich Insurance Group and Generali Group.
Does UNIQA Insurance Group have an API?
No public API is recorded for UNIQA Insurance Group.