Merkur Zavarovalnica

What Merkur Zavarovalnica does

Merkur Zavarovalnica d.d. is a Slovenian insurance company headquartered in Ljubljana, founded in 1992 and operating as a member of the Graz-based Merkur Versicherung group. It sells a full personal-lines insurance portfolio — health (Merkur Specialisti, Merkur Zdravje), life (Merkur Življenje), property (Merkur Premoženje), accident (Merkur Nezgoda, Merkur Otroci), and travel (Merkur Popotnik) — to individual consumers and families, with health insurance (Merkur Specialisti) and its modular add-ons (Merkur Rehabilitacija, Merkur Operacije+, Merkur Bolniška odsotnost) functioning as the flagship franchise.

The company operates an integrated insurance technology stack consisting of the Moj Merkur customer portal, the e-Poti electronic claims and policy-change system, the Merkur mobile app on iOS and Android, the Dr. Merkur telemedicine video-consultation service (delivered via Medifit, d.o.o.), and the Merkur MediTočka care-coordination service that handles scheduling, documentation, and direct payment to a contracted network of more than 60 healthcare providers across Slovenia, with select cross-border coverage in Croatia and Austria.

Commercially, Merkur Zavarovalnica generates revenue from annual insurance premiums and is licensed by Agencija za zavarovalni nadzor. It distributes through a hybrid motion: employed insurance agents, seven physical branch offices across Slovenia, a toll-free customer service center (080 28 55), and direct online purchase for travel and children's insurance. Marketing is supported by content (blog, website), event sponsorship (L'Étape Slovenia by Tour de France), a CSR program ((P)ostani Človek), and brand ambassadors. The firm is a private delniška družba; the only senior leader named in the data is CEO Meta Lahne and Director of Marketing and Public Relations Matej Rožič.

Name

Merkur Zavarovalnica

Legal name

Merkur zavarovalnica d.d.

Website

https://merkur-zav.si

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

Merkur Zavarovalnica is a Ljubljana-based Slovenian insurance company, part of the Graz-headquartered Merkur Group, selling health, life, property, accident, and travel insurance to individual consumers and families through branch offices, employed agents, and online channels.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Health insurance services
• Life insurance products
• Property insurance coverage
• Accident insurance plans
• Travel insurance policies

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices7 records

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: Merkur Zavarovalnica generates revenue through insurance premiums from various insurance products including health insurance (Merkur Specialisti), travel insurance (Merkur Popotnik), accident insurance (Merkur Otroci, nezgodno zavarovanje), property insurance (Merkur Dom), and life insurance (življenjsko zavarovanje). The company operates as a joint-stock insurance company (delniška družba) licensed by the Insurance Supervision Agency (Agencija za zavarovalni nadzor).

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Merkur Zavarovalnica is a Slovenian insurance company offering a portfolio of personal and family insurance products including health, life, property, accident, and travel insurance. It sells through employed insurance agents, a network of branch offices across Slovenia, online portals, and a customer self-service platform, supported by telemedicine and healthcare assistance services.

Product overview

Merkur Zavarovalnica is a Slovenian insurance company offering a portfolio of insurance products and digital services. Its core insurance portfolio includes health insurance (Merkur Zdravje / Merkur Specialisti), life insurance (Merkur Življenje), property insurance (Merkur Premoženje), accident insurance (Merkur Nezgoda / Merkur Otroci), and travel insurance (Merkur Popotnik). The Merkur Specialisti product functions as the flagship private health insurance with modular add-on coverage options including Merkur Rehabilitacija, Merkur Operacije+, and Merkur Bolniška odsotnost. Supporting the insurance portfolio is a suite of digital services: the Moj Merkur customer portal for policy management, the e-Poti portal for online claims filing and contract changes, the Merkur mobile application available on Google Play and Apple App Store, the Dr. Merkur video consultation telemedicine service powered by Medifit d.o.o., and the Merkur MediTočka health assistance and care coordination service. Travel and children's accident/health insurance products are available for direct online purchase.

Differentiator

Problem solved

Functional benefit

Brands

• Merkur Specialisti: Health insurance product providing fast access to specialist medical services without waiting lists, covering specialist examinations, diagnostics, operations, rehabilitation, medicines, dental, and second medical opinion.
• Merkur Popotnik
• Merkur Otroci
• Merkur MediTočka
• Dr. Merkur

Products and services

• Merkur Specialisti Comprehensive private health insurance providing fast access to specialist medical care through a contracted network of over 60 healthcare providers, covering specialist examinations, diagnostics, operations, rehabilitation, medicines, dental, and second medical opinion, supported by the Merkur MediTočka assistance service.
• Merkur Zdravje Health insurance product covering medical expenses within Merkur's network of contracted healthcare providers, with access to the Merkur MediTočka assistance service for appointment scheduling and claim handling.
• Merkur Življenje Life insurance product providing financial protection for beneficiaries in the event of the policyholder's death.
• Merkur Premoženje Property insurance product covering damage to or loss of the insured's property assets, including homes and belongings against natural disasters, theft, fire, and other incidents.
• Merkur Nezgoda Accident insurance product providing coverage for injuries and related expenses resulting from accidents, available for both adults and children.
• Merkur Popotnik Travel insurance product for international travel, covering medical emergencies, trip cancellations, and other travel-related risks, available for direct online purchase.
• Merkur Otroci Combined accident and health insurance specifically designed for children, offering coverage for medical expenses and accident-related costs, available for online purchase.

Quantifiable outcome

• Merkur Otroci voted best accident insurance for children 5 times by Moje finance portal

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, minor and flagship.

• Društvo za kulturo inkluzije (Society for Culture of Inclusion)coreStrategic or Co-development Partner · 1 January 2026Partnership for the (P)ostani Človek corporate social responsibility program. The NGO develops inclusive culture and implements programs for inclusion of children, adolescents, and adults with special needs in society. They run various programs in sports, leisure, culture, and volunteering. The 2026 focus is on supporting informal caregivers and parents of children with special needs.
• Lea CokminorOthers · 1 January 2026Actress and ambassador for the (P)ostani Človek program in 2026. Long-term volunteer with Društvo za kulturo inkluzije, actively participating in programs for children with special needs and their families.
• L'Etape Slovenia by Tour de FranceflagshipGTM or Marketing Partner · 1 January 2024Title sponsor of the L'Etape Slovenia by Tour de France cycling event. 2-day cycling festival in Kranj under the umbrella of the world's largest cycling event Tour de France. Partnership extended for 3 additional years (announced Dec 2024). Event includes Cycling Academy with Matej Mohorič.
• Matej MohoričflagshipOthers · 1 January 2024Professional cyclist (Olympic medalist) and ambassador for the Merkur L'Etape Slovenia cycling event and Cycling Academy. Created cycling safety content series to promote safe cycling culture.
• Medifit, d.o.o.coreTechnology or IntegrationThird-party data processor for the Dr. Merkur video consultation service. Located at Tržaška cesta 116, 1000 Ljubljana. Handles processing of health data for telemedicine consultations.
• Contracted Healthcare Providers NetworkcoreOthersOver 60 contracted healthcare service providers across Slovenia, Croatia, and Austria including hospitals, clinics, diagnostic centers, specialists, dental clinics, rehabilitation centers, and spa facilities. Examples include Artros, DC Bled, Terme Krka, Terme Olimia, Poliklinika Nobilis, and many more.
• Slovensko zavarovalno združenje (SZZ)minorOthersMerkur zavarovalnica is a member of the Slovenian Insurance Association, through which certain personal data is exchanged under Article 268 of the Insurance Act (ZZavar-1) for risk assessment support, clarification of factual circumstances, and fraud prevention.
• Moje finance portalminorOthersIndependent financial portal that conducts insurance product testing. Has awarded Merkur Otroci as best accident insurance for children 5 times.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sava Insurance Group (Sava Re): Sava Re (now Sava Insurance Group) is a major Slovenian reinsurance and insurance group operating across non-life, life, health, and pension lines in Slovenia and the wider CEE region. It is a direct comparable to Merkur Zavarovalnica given its Slovenian base and multi-line insurance portfolio.
• Vzajemna: Vzajemna is the leading Slovenian health insurance mutual, providing supplementary and complementary health insurance products to individuals and groups. It directly competes with Merkur Specialisti in the private health insurance segment that is Merkur's flagship offering.
• Allianz Slovenija: Allianz Slovenija is the Slovenian subsidiary of global insurance giant Allianz, offering life, health, property, and accident insurance. It is a direct competitor to Merkur in the Slovenian retail and group insurance market.
• Zavarovalnica Triglav: Zavarovalnica Triglav is the largest Slovenian insurance company offering health, life, property, accident, and travel insurance across Slovenia and the broader Adriatic region. It is the most direct competitor to Merkur Zavarovalnica in the domestic Slovenian market, competing head-to-head on the same product portfolio.
• Generali Slovenija (Adriatic Slovenica): Generali Slovenija (formerly Adriatic Slovenica) is one of the largest Slovenian insurance companies, part of the global Generali Group, offering life, non-life, and health insurance. It competes directly with Merkur across product lines in the Slovenian market.
• Uniqa Slovenija: Uniqa Slovenija is the Slovenian arm of Austrian insurance group Uniqa, offering life, health, and property/casualty products. As another CEE-focused Austrian-affiliated insurer with Slovenian operations, it is highly comparable to Merkur Zavarovalnica.

Regional players

• Croatia Osiguranje: Croatia Osiguranje is the largest Croatian insurance company, operating primarily in Croatia with a broad product portfolio including life, non-life, and health. It is a relevant regional comparable given the Merkur Group's existing Croatian subsidiary footprint.
• DDOR Novi Sad: DDOR Novi Sad is a major Serbian insurance company offering life, non-life, and health products primarily within Serbia. It is a comparable regional player given the Merkur Group's stated subsidiary presence in Serbia.

Others

• Grawe Hrvatska: Grawe Hrvatska is the Croatian subsidiary of Austrian insurance group Grawe, offering life, health, and property insurance. As a Central European insurance peer operating in markets adjacent to Merkur's footprint, it is a thematically comparable regional insurer.

Broad incumbents

• Vienna Insurance Group (Wiener Städtische): Vienna Insurance Group (VIG) is a leading Austrian insurance group operating across 30 countries in CEE, including significant presence in Slovenia, Croatia, and Serbia — the same geographies as the Merkur Group. As a broader regional incumbent, it competes with the Merkur Group's portfolio of insurance subsidiaries.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/results?search_query=Merkur+zavarovalnica
• Facebookfacebook.com/merkurzavarovalnica

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Merkur Zavarovalnica