Europa Ubezpieczenia

What Europa Ubezpieczenia does

Europa Ubezpieczenia (legal entity Towarzystwo Ubezpieczeń Europa S.A., operating also as TU Europa) is a Polish non-life insurance company headquartered in Wrocław at ul. gen. Władysława Sikorskiego 26, founded in 1993 and operating continuously for 30+ years in the Polish retail insurance market. It underwrites and distributes personal lines insurance including travel insurance (the Travel World family — covering general trips, USA travel, ski/snowboard, and annual multi-trip), home and apartment property insurance (Własny Kąt, MyFlat, MyProperty, MyRent), personal accident insurance (NNW Sport, NNW Szkolne, NNW w Polsce, Run&Fun), trip cancellation insurance, personal liability, pet assistance, health cover (MyHealth), phone screen protection (Screenity), car assistance, specialist home-assistance insurance (Fachowiec do usług), business insurance guarantees, and investment-linked insurance capital fund products (UFK) issued through its wholly-owned life subsidiary Towarzystwo Ubezpieczeń na Życie Europa S.A. Travel cover is priced from 4 zł/day, personal accident from 10 zł/day, and trip cancellation from 32 zł per trip worth 1,000 zł, with annual multi-trip and subscription options also offered.

The company operates a digital insurance platform enabling online policy purchase in approximately 5 minutes with policy documents delivered by email, supported by a 24/7 mobile app and web portal for policy management and claims reporting, and a dedicated B2B partner portal. Distribution is multi-channel and anchors on a bancassurance network of 10,000+ agents in bank branches across Poland, supplemented by direct self-serve online sales, affinity partnerships with travel agencies, telecommunications companies, and retail chains, and inbound phone sales via a Mon-Fri/Sat hotline. Reported 2024 activity included 41,725 online policies sold and 123,032 people insured online over the trailing three years, with a stated 9-out-of-10 customer recommendation rate from satisfaction surveys. The company is GDPR-compliant, holds RODO documentation across product categories, and operates under Polish financial supervision.

Revenue is generated from insurance premiums across multiple product lines sold through direct online channels, bancassurance partnerships, and agent networks, with pricing varying by product, coverage level, and customer profile. Europa Ubezpieczenia is a privately held subsidiary of Talanx, a major German insurance group operating in over 175 countries, which on 16 February 2026 completed its acquisition of the remaining stake previously held by Meiji Yasuda Life Insurance Company (the Talanx-Meiji Yasuda partnership dated to November 2010, with joint investments in Polish subsidiaries commencing in 2012), bringing Talanx's ownership of TU Europa to 100%. Leadership is headed by CEO Artur Maliszewski (President of the Management Board since 2022), with Vice President Artur Chądzyński and Board Members Krzysztof Morawski, Jarosław Pękala, Grzegorz Pawlicki (CTOO), and Data Protection Officer Bartosz Sacewicz.

Name

Europa Ubezpieczenia

Legal name

Towarzystwo Ubezpieczeń Europa S.A.

Website

https://tueuropa.pl

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

251–500 employees

Short description

Europa Ubezpieczenia (TU Europa S.A.) is a Wrocław-headquartered Polish personal-lines insurer offering travel, property, personal accident, liability, health, and investment-linked insurance products to individual Polish consumers, distributed through a self-serve online platform, a 10,000+ agent bancassurance network, and affinity partners, now wholly owned by Talanx.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Life Insurance (6311)

akta.pro primary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Baggage & Personal Effects Insurance (FSAJAJAE), Deductible/Waiver Options & Coverage Add-Ons (HSAKANAJ)

Keywords

• Travel insurance
• Property insurance
• Personal accident insurance
• Bancassurance distribution
• Insurance capital funds

Headquarters

HQ city

Wroclaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue from insurance premiums across multiple product lines including travel, property, personal accident, and pet insurance. Products sold through direct online channels, bancassurance partnerships, and agent networks.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Europa Ubezpieczenia sells a diversified portfolio of insurance products to individual consumers in Poland, including travel insurance (Travel World family), home and apartment property insurance (Własny Kąt, MyFlat, MyProperty, MyRent), personal accident insurance (NNW Sport, NNW Szkolne, NNW w Polsce, Run&Fun), trip cancellation insurance, personal liability (OC), health insurance (MyHealth), pet insurance (Pet Assistance), home assistance (Fachowiec do usług), phone screen protection (Screenity), insurance capital funds (UFK), and insurance guarantees. Products are sold via a digital self-serve platform, an extensive bancassurance network of 10,000+ bank agents, and affinity partners.

Product overview

Europa Ubezpieczenia (TU Europa S.A.) operates as a multi-product insurance company offering a diverse portfolio of insurance solutions. The core offerings include travel insurance products (Travel World family with variants for USA, skiing, and annual coverage), property insurance (Własny Kąt for homes and apartments, MyFlat, MyProperty, MyRent), personal accident insurance (NNW Sport, NNW Szkolne, NNW w Polsce, Run&Fun), trip cancellation insurance, personal liability insurance (OC w życiu prywatnym), health insurance (MyHealth), pet insurance (Pet Assistance), home assistance (Fachowiec do usług), phone screen protection (Screenity), investment insurance products (UFK), insurance guarantees for businesses, and car assistance. The company sells primarily through online channels, bancassurance partnerships with over 10,000 bank agents, and various affinity partnerships including travel agencies and telecommunications companies.

Differentiator

Problem solved

Functional benefit

Brands

• Travel World: Travel insurance product offering coverage for trips including medical costs, cancellation, and assistance services.
• Własny Kąt
• Aktywni w sporcie
• NNW Szkolne

Products and services

• Travel World (ubezpieczenie turystyczne)

Quantifiable outcome

• 41,725 online policies sold in 2024
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Banks (Bancassurance Partners)coreChannel Partner/ Reseller/ DistributorEuropa Ubezpieczenia maintains strong bancassurance partnerships with banks, offering products through over 10,000 agents in bank branches throughout Poland.
• Travel AgenciesminorChannel Partner/ Reseller/ DistributorTravel insurance products distributed through travel agencies and tour operators across Poland.
• Telecommunications CompaniesminorChannel Partner/ Reseller/ DistributorAffinity partnerships with telecom companies for insurance product distribution.
• Retail ChainsminorChannel Partner/ Reseller/ DistributorInsurance products offered through retail network partnerships.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• PZU: PZU is Poland's largest insurance group with dominant share across property, life, and personal accident lines, and a comparable multi-channel (bancassurance, agent, digital) distribution strategy — the primary incumbent Europa competes against in the Polish market.
• Allianz Poland: Allianz Poland is the local affiliate of the global Allianz Group, offering comparable property, life, and travel insurance through agents, bancassurance, and digital channels — competing with Europa across the same Polish retail segments.
• Generali Poland: Generali Poland is a multi-line insurer offering property, life, and accident coverage via agents, brokers, and direct channels, overlapping directly with Europa's personal lines portfolio and bancassurance model.
• UNIQA Poland: UNIQA Poland (formed from the AXA Poland integration) is a multi-line insurer with bank-distribution partnerships and personal lines products that overlap with Europa's bancassurance-led retail strategy.

Direct peers

• Warta: Warta is a major Polish multi-line insurer (motor, property, life) and is also now 100% owned by Talanx following the February 2026 consolidation — the most directly comparable peer given shared ownership, overlapping product mix, and similar bancassurance-led distribution.
• Ergo Hestia: Ergo Hestia is one of Poland's top property and casualty insurers with strong direct and broker distribution and digital sales capability, competing head-to-head with Europa in home, travel, and personal lines.
• Link4: Link4 is a Polish insurer (owned by PZU) with a digital-first, direct-to-consumer model very similar to Europa's online self-serve platform, competing on price and convenience across motor, home, and travel products.
• Compensa (VIG): Compensa is a Polish P&C and life insurer owned by Vienna Insurance Group, selling through agents, brokers, and bancassurance partnerships — a direct competitor in similar retail product lines.
• Signal Iduna Poland: Signal Iduna Poland is a multi-line insurer with strong bancassurance and affinity partnerships, offering travel, accident, and life products that overlap with Europa's portfolio and channel strategy.

Emerging players

• AXA Travel Insurance: AXA Assistance operates in Poland offering travel medical and assistance coverage similar to Europa's Travel World line, competing for the same outbound-travel customer segment through digital and partner channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/europaubez
• LinkedInlinkedin.com/company/europaubezpieczenia
• Xx.com/Europa_TU

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

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 Europa Ubezpieczenia