What Uniqa Polska does

Uniqa Polska is the Polish operating subsidiary of UNIQA Group, a Vienna-headquartered European insurance conglomerate with approximately 200 years of heritage. The company operates through multiple regulated entities headquartered at ul. Chłodna 51, Warsaw, including UNIQA Towarzystwo Ubezpieczeń S.A. for property and casualty insurance, UNIQA Towarzystwo Ubezpieczeń na Życie S.A. for life insurance, UNIQA Powszechne Towarzystwo Emerytalne S.A. for pension fund management, and UNIQA Towarzystwo Funduszy Inwestycyjnych S.A. for investment fund management. Uniqa Polska employs between 1,001 and 5,000 people and generates revenue across property and casualty, life and health, and pension/investment product lines. Core products include mandatory motor third-party liability (OC) and comprehensive motor (AC) insurance, property insurance under the 'Twoje miejsce' brand, travel insurance, life insurance with international medical coverage 'Medycyna bez Granic' up to 2 million EUR, and individual/employer pension products including IKE, IKZE, OFE, and PPK. Pricing starts at 378 PLN/year for basic OC, 782 PLN/year for OC+AC bundles, and 74 PLN/year for home insurance, with a 15% online purchase discount and 20% bundle discount.

The company operates a hybrid distribution model combining direct online sales via the uniqa.pl website with real-time premium calculators, a national network of over 50,000 agents, phone/infolinia support (22 599 95 22), bancassurance partnerships (mBank), and retail equipment insurance through EURO-NET. Digital infrastructure includes the mojaUNIQA self-service portal for policy management and claims status, mobile applications with damage assessment and claims submission functionality, and direct API integration with Polish government databases (CEPIK for vehicle and driver data, UFG for insurance guarantee fund data) for automated underwriting. Revenue mechanics are subscription/recurring premium-based across the three insurance and pension verticals, with a commission-based fee stream from bancassurance and retail partnerships. Customer concentration spans individual consumers (motor, home, travel, life, school accident) and businesses (property, liability, fleet, cargo, employee benefits, guarantees), with the UNIQA Group serving 15 million customers across Europe. Customer satisfaction stands at 4.6 out of 5 stars based on 501,409 surveys conducted in 2025, and the IKZE product received the 'IKZE na 5' industry recognition in 2025.

Name

Uniqa Polska

Legal name

UNIQA Towarzystwo Ubezpieczeń S.A.

Website

https://uniqa.pl

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Uniqa Polska is a Warsaw-based multi-line insurance subsidiary of Austrian UNIQA Group offering motor, property, travel, life, health, and pension/investment products to Polish consumers, businesses, and housing cooperatives through 50,000+ agents, online direct sales, and bancassurance partnerships.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Portfolio Management and Investment Advice (523940)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

Group Universal Life (GUL) (FSAIADAC), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Property insurance
• Motor insurance
• Life insurance
• Travel insurance
• Investment funds

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others, Supply Chain

Revenue model

1. Property and Casualty Insurance: Core revenue from property and casualty insurance products including motor vehicle OC/AC, home insurance, travel insurance, and business insurance. Premiums collected annually with renewal focus.
2. Life and Health Insurance: Life insurance, health insurance, and supplemental insurance products including life protection plans, critical illness coverage, and international medical coverage (Medycyna bez Granic).
3. Pension and Investment Products: Open Pension Fund (OFE), Individual Retirement Accounts (IKE), Individual Pension Savings Account (IKZE), Employee Capital Plans (PPK), and investment funds through UNIQA TFI.
4. Bancassurance and Partnerships: Insurance distribution through banking partners and affinity groups, generating commission-based revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

UNIQA Polska is a Polish insurance provider offering motor, property, travel, life and health insurance to individual customers, businesses, and housing cooperatives. The portfolio is complemented by pension and investment products (IKE, IKZE, OFE, PPK) distributed through UNIQA Investment Funds (TFI). Distribution combines online self-service via uniqa.pl, the mojaUNIQA customer portal and mobile applications, a multi-agency sales network, and bank partnerships (bancassurance).

Product overview

UNIQA Polska is an insurance company with a 200-year history across Europe serving 15 million customers. The product portfolio is organized into three main segments: Individual Clients (Klienci Indywidualni), Businesses (Firmy i pracownicy), and Housing Cooperatives/Communities (Spółdzielnie i wspólnoty). For individual clients, the core offerings include vehicle insurance (OC/AC with add-ons like Assistance MIDI, tire insurance, glass coverage, NNW accident insurance, and discount protection), property insurance for homes and apartments under the 'Twoje miejsce' brand (with All Risk and home assistance add-ons), travel insurance for Poland, Europe and worldwide, life and health insurance including Plan Ochronny and Medycyna bez Granic (providing up to 2 million euros coverage), and school accident insurance. The digital platform includes the mojaUNIQA self-service portal for policy management. For businesses, offerings include property and liability insurance, technical insurance, fleet management, transport insurance, insurance guarantees, and group life/health insurance. Retirement and investment products are offered through UNIQA TFI, including IKE, IKZE (awarded 'IKZE na 5' in 2025), OFE, and PPK programs. The company provides online calculators for instant quotes and offers a 15% discount for online purchases.

Differentiator

Problem solved

Functional benefit

Brands

• mojaUNIQA: Customer portal for managing insurance policies, viewing claims status, and accessing policy documents
• UNIQA TFI
• UNIQA OFE
• Medycyna bez Granic
• Twoje miejsce

Products and services

• Motor Third-Party Liability Insurance (OC) Statutory third-party liability motor insurance (Odpowiedzialność Cywilna) for passenger vehicles registered in Poland, covering damages caused by the insured vehicle to third parties. Sold to individual drivers and businesses.
• Motor Comprehensive Insurance (AC / Autocasco) Voluntary comprehensive motor insurance covering damage to the insured vehicle itself. Sold to individual drivers and businesses as a complement to statutory OC cover.
• Motorcycle Third-Party Liability Insurance (OC) Statutory third-party liability insurance for motorcycles and scooters registered in Poland. Sold to individual riders.
• Motorcycle Comprehensive Insurance (AC) Voluntary comprehensive insurance for motorcycles and scooters covering own-vehicle damage. Sold as a complement to motorcycle OC.
• Home & Apartment Insurance (Twoje miejsce) Property insurance for individual owners and tenants of houses and apartments in Poland, covering structure, contents, and liability. Sold to individual consumers and eligible for the 20% bundle discount when combined with motor insurance.
• Holiday Home Insurance (Domek letniskowy) Insurance for holiday homes, summer houses, and recreational properties in Poland. Targeted at individual owners of secondary-use dwellings.
• Housing Community Insurance (Bezpieczne Mieszkanie) Insurance product tailored to Polish housing cooperatives and residential communities, covering building structures, common areas, and shared infrastructure liabilities.
• Domestic Travel Insurance (Poland) Travel insurance covering medical expenses, accidents, baggage, and trip cancellation for travel within Poland. Sold to individual travelers.
• International Travel Insurance (Europe & Worldwide) Travel insurance covering medical expenses, accidents, baggage, and trip cancellation for travel in Europe and worldwide. Sold to individual travelers, including the option for spouse and children.
• Life Insurance (Ubezpieczenia na życie) Long-term life insurance products providing financial protection to beneficiaries upon death or other insured events. Sold to individual consumers in Poland.
• International Health Insurance (Medycyna bez Granic) Private international health insurance providing medical coverage across borders, including treatment abroad. Sold to individual Polish consumers seeking cross-border healthcare access.
• School Accident Insurance (NNW) Accident insurance covering schoolchildren for bodily injury resulting from accidents. Sold through schools to parents for their children's coverage during the school year.
• Cargo Insurance (Ubezpieczenie ładunków) Commercial insurance covering loss or damage to goods in transit. Sold to Polish businesses, including importers, exporters, and transport operators.
• Insurance Guarantees (Gwarancje ubezpieczeniowe) Contract and performance guarantees issued as insurance bonds to satisfy commercial counterparties and tender requirements. Sold to Polish businesses and contractors.
• Individual Retirement Account (IKE) Standalone individual retirement savings account (Indywidualne Konto Emerytalne) operated through UNIQA TFI investment funds. Sold to individual savers.
• Individual Retirement Protection Account (IKZE) Standalone tax-advantaged individual retirement savings account (Indywidualne Konto Zabezpieczenia Emerytalnego) operated through UNIQA TFI investment funds. Sold to individual savers.
• Open Pension Fund (OFE) Open pension fund (Otwarty Fundusz Emerytalny) operated by UNIQA. Sold to individual retirement savers in Poland.
• Employee Capital Plan (PPK) Workplace retirement savings program (Pracownicze Plany Kapitałowe) operated for employers and their employees under Polish regulation. Sold to Polish employers on a group basis.
• UNIQA TFI Investment Funds Open-ended investment fund range managed by UNIQA Towarzystwo Funduszy Inwestycyjnych, providing the underlying fund vehicles for IKE, IKZE, OFE, PPK and retail investment products for Polish savers.

Quantifiable outcome

• Customer satisfaction rating of 4.6/5 stars based on 501,409 surveys in 2025
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered minor.

• EURO-NET Sp. z o.o.minorChannel Partner/ Reseller/ DistributorEURO-NET is an electronics retailer through which UNIQA offers equipment insurance for products purchased at their stores. UNIQA provides insurance coverage for equipment bought at EURO-NET locations, with INNSE Sp. z o.o. handling administration of resignations and claims processing on behalf of UNIQA.
• INNSE Sp. z o.o.minorImplementation/ SI/ Consulting PartnerINNSE Sp. z o.o. acts on behalf of UNIQA in handling policy resignations and insurance claims for equipment purchased through EURO-NET partners.
• mBankminorChannel Partner/ Reseller/ DistributorBancassurance partnership allowing UNIQA insurance products to be distributed through mBank's phone service channels under specific service regulations.
• Whistleblower NetworkminorOthersExternal platform for reporting irregularities and abuses (whistleblowing) accessible at uniqagroup.whistleblowernetwork.net for reporting compliance concerns.
• Fundacja Dajemy Dzieciom SiłęminorGTM or Marketing PartnerSocial partnership where UNIQA donates 1 PLN from each school insurance policy sold to the Foundation 'We Give Children Strength' (Fundacja Dajemy Dzieciom Siłę), supporting child welfare programs.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PZU: Largest Polish insurer with multi-line offerings (motor, home, life, health, investment) and the dominant market position (~40% share). UNIQA competes directly with PZU across all major product lines and customer segments in Poland.
• Compensa: Polish multi-line insurer owned by Vienna Insurance Group (VIG), UNIQA Group's direct CEE competitor. Compensa's product portfolio and bancassurance-led distribution closely parallel UNIQA Polska's structure.
• Warta: Top-tier Polish multi-line insurer owned by Talanx (Germany). Competes head-to-head with UNIQA in motor, home, life, and travel insurance with similar hybrid agent and direct distribution.
• Ergo Hestia: Leading Polish multi-line insurer owned by Munich Re. Offers motor, property, life, and travel insurance with strong agent network, directly comparable to UNIQA's distribution and product mix.
• Wiener: Polish life and health insurer, also a Vienna Insurance Group subsidiary. Competes directly with UNIQA TUnŻ in life and health insurance, including bancassurance distribution.
• Link4: Polish direct-to-consumer insurer (originally PSA joint venture, now part of Allianz Group) focused on motor insurance sold online and via phone. Competes with UNIQA's digital channel and online-discounted motor offerings.
• Signal Iduna Polska: Polish subsidiary of German Signal Iduna Group offering life, health, and accident insurance. Overlaps with UNIQA's life and health product lines, particularly group and individual health covers.

Broad incumbents

• Generali Polska: Polish subsidiary of Generali Group with multi-line life and P&C insurance. International incumbent with broader geographic portfolio but direct overlap with UNIQA in Polish retail and SME segments.
• Allianz Polska: Polish subsidiary of Allianz Group offering motor, property, life, and investment products. A global incumbent with broader portfolio scope than UNIQA but comparable core insurance offerings in the Polish market.

Emerging players

• Open Life: Polish life insurer with focus on unit-linked and investment-linked products. Smaller player than UNIQA TUnŻ but competes for similar customer wallet share in life and investment-linked insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/uniqapolska
• Facebookfacebook.com/uniqapl

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Uniqa Polska