Croatia insurance

What Croatia insurance does

Croatia osiguranje d.d. is the largest and oldest insurance company in Croatia, founded in 1884 and majority-owned by Adris Grupa d.d. since 2014. The company holds a 27.52% share of the total Croatian insurance market and 31.79% of the non-life segment, distributing its products through physical branch offices nationwide, the Moja Croatia mobile app and webshop, the LAQO 100%-digital insurance brand, sales agents, and a dedicated business portal. Its portfolio spans mandatory and casco auto insurance, supplementary and additional health insurance, home and travel insurance, life insurance, and specialty lines including cyber, pet, vessel, and accident products, plus voluntary pension funds under Croatia mirovinski fondovi and vehicle technical inspections.

Technology is centered on digital self-service and productized AI features. The Moja Croatia app (250,000+ downloads, 56% user growth in 2025) handles policy management, claims filing, status tracking, and digital health insurance cards. LAQO GPT enables travel insurance purchase via WhatsApp — a first for a European insurer. LAQO Prevent offers telematics-based driving risk monitoring, and an index insurance product for soil moisture deficiency uses satellite-based measurements to trigger automated claims payouts. The Koreqt platform aggregates price comparisons across insurance and groceries. Croatia Poliklinika, a wholly owned healthcare subsidiary with 300+ doctors and nurses across 9 cities (including recent acquisitions of Marin Med and Medros), generated over €40M in 2025 revenue from roughly 280,000 patients.

The business model is primarily subscription-based on annual or multi-year insurance premiums, with pricing tiered by risk profile, coverage scope, and channel (online purchases offer 15% discount on travel insurance; home insurance offers up to 50% discounts). Revenue is supplemented by subscription recurring premium streams, professional services from Croatia Poliklinika and Croatia tehnički pregledi, and managed services from voluntary pension funds. The Spektar household bundling program (310,000+ enrolled households by Q1 2026) drives cross-sell and retention. In 2025, consolidated insurance revenue reached €606.8M (+12.2% YoY) with net profit of €65.5M (+7.2%), and the company maintains a solvency ratio above 200%.

Name

Croatia insurance

Legal name

Croatia osiguranje d.d.

Website

https://crosig.hr

Company type

Public

Founded year

1884

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Croatia osiguranje d.d. is the leading Croatian insurer (27.52% market share, founded 1884), offering vehicle, health, property, travel, and life insurance to retail and business customers through branches, the Moja Croatia app, and the LAQO digital brand, with adjacent healthcare and pension services.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Insurance services
• Vehicle insurance
• Health insurance
• Property insurance
• Pension fund management

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums across multiple product lines including vehicle insurance (obvezno auto osiguranje, auto kasko), health insurance (dopunsko, dodatno), property insurance (osiguranje doma), travel insurance (putno osiguranje), and life insurance (životno osiguranje). Premiums are recurring revenue based on annual or multi-year policies.
2. Digital Insurance Services: Revenue from LAQO digital brand and digital channel premiums growing 19% year-over-year. Digital premiums from online sales represent an increasing share of total premiums.
3. Healthcare Services: Croatia Poliklinika healthcare services revenue, growing 37% in 2025 to over 40 million euros. Services include medical examinations, diagnostics, and specialist consultations across 9 cities.
4. Technical Inspection Services: Revenue from Croatia tehnički pregledi (technical inspection stations) for vehicle inspection and registration services.
5. Voluntary Pension Fund Management: Revenue from Croatia mirovinski fondovi (voluntary pension funds) under the Adris group.

Pricing tiers

Go-to-market motion3 records

Distribution channels10 records

Marketing channels8 records

Core offering

Croatia osiguranje is a composite insurer underwriting vehicle (auto and moto), home, travel, life, and health insurance for individuals and businesses, with distribution via 120+ branch offices, agents, a digital webshop, and the Moje Croatia osiguranje mobile app. The offering is extended by an ecosystem of allied services including Croatia poliklinika (outpatient healthcare), Croatia leasing (vehicle financing), Croatia tehnički pregled (vehicle technical inspections), Croatia rent a car, the LAQO digital auto-insurance brand, and the Modra and Smodra voluntary pension fund management business.

Product overview

Croatia insurance operates as a comprehensive insurance group offering a broad portfolio of insurance products and financial services. The core offerings include vehicle insurance (mandatory auto liability and auto casco), health insurance (supplementary, additional, and Onko Plan for cancer coverage), property insurance (home and tourist apartments), travel insurance with cancellation coverage, and life insurance products (mixed life, risk, senior, children's savings). The company differentiates through digital innovation with LAQO (100% digital insurance sub-brand), the Moja Croatia mobile app for policy management and claims, and Spektar (household benefits program connecting multiple policies). Additional services include pension funds, technical vehicle inspections, healthcare via Croatia Poliklinika, and the Koreqt comparison platform. The portfolio spans individual and business customers across Croatia.

Differentiator

Problem solved

Functional benefit

Brands

• LAQO: First and only 100% digital insurance in Croatia - fully digital insurance brand offering online policy purchase and management
• Moja Croatia
• Spektar
• Croatia Poliklinika
• Croatia tehnički pregledi
• Koreqt

Products and services

• Croatia osiguranje vehicle insurance (auto and moto) Vehicle insurance covering mandatory motor third-party liability and KASKO comprehensive cover for cars and motorcycles, including roadside assistance and glass cover add-ons. Sold to individual drivers, households, and corporate fleet operators through branches, agents, the LAQO platform, and the online webshop.
• Croatia osiguranje home insurance Household insurance protecting dwellings and contents against risks such as fire, theft, flood, and liability, available to homeowners and tenants and sold individually or bundled with vehicle cover.
• Croatia osiguranje travel insurance Travel insurance covering medical expenses, trip cancellation, baggage, and personal liability for individual travellers and families, available as single-trip or annual policies.
• Croatia osiguranje life insurance Life insurance products including supplementary, whole-life, unit-linked, and children's life cover, marketed to individual policyholders and families as long-term savings and protection products.
• Croatia osiguranje health insurance Voluntary health insurance sold to individuals as a whole-life policy supplementing Croatia's mandatory public health insurance, providing broader access to private providers and faster care.
• LAQO digital auto insurance LAQO is the digital auto-insurance brand of Croatia osiguranje, offering motor liability and KASKO cover purchased and managed online for individual drivers.
• Croatia poliklinika (outpatient healthcare) Subsidiary polyclinic delivering outpatient specialist healthcare services to insured and paying patients, complementing the insurance offering with direct care delivery.
• Croatia leasing Subsidiary offering vehicle leasing (operating and financial) to corporate and individual customers, enabling bundled vehicle financing alongside insurance.
• Croatia tehnički pregled (vehicle technical inspection) Subsidiary operating official vehicle technical inspection (preventive technical inspection and homologation) stations, generating cross-sell traffic for insurance products.
• Croatia rent a car Subsidiary providing short-term and long-term car rental services to consumers and corporate clients across Croatia.
• Modra and Smodra voluntary pension funds Voluntary pension fund management through the closed Modra and Smodra funds, where Croatia osiguranje is the largest fund manager in the closed voluntary pension fund market in Croatia.
• Fleet Management telematics service B2B fleet management service that uses telematics hardware and software to track vehicle location, review movement history, and analyse driving style for corporate fleet operators.
• Vita (Slovenian insurance acquisition) Slovenian insurance operations acquired by Croatia osiguranje to extend the group's geographic footprint beyond Croatia and broaden the regional customer base.

Quantifiable outcome

• 56% growth in Moja Croatia mobile app users in 2025
• +6 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability5 records

Feature8 records

Partnerships

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

• AV International GmbHcoreStrategic or Co-development Partner · 3 June 2026Joint venture agreement signed for building and launching a service center, with defined corporate governance and decision-making mechanisms. Based on earlier Memorandum of Understanding establishing basic conditions for mutual relations.
• Ministarstvo demografije i useljeništva (Ministry of Demographics and Immigration)minorStrategic or Co-development Partner · 1 January 2026Partnership on Mudrica program - e-Children's Card offering benefits to families with children.
• Udruga Mali ZmajminorGTM or Marketing Partner · 21 December 2023Humanitarian partnership supporting families in difficult conditions. In 2023, delighted 160+ families with 300+ children for Christmas, approaching goal of 140 donations for company's 140th anniversary.
• Ekonomski fakultet Zagreb (University of Zagreb Faculty of Economics)minorStrategic or Co-development Partner · 19 July 2023Partnership on innovative Economic Analytics module - a four-semester module for 4th and 5th year students of integrated undergraduate and graduate Business Economics study. Croatia experts deliver guest lectures and the company sponsored renovation of one of the largest faculty halls.
• Hrvatski zavod za transfuzijsku medicinu (Croatian Institute of Transfusion Medicine)minorGTM or Marketing Partner · 21 April 2023Blood donation campaign organized with 110+ employees participating across Zagreb, Split, Rijeka, Varaždin, and Osijek, collecting 67 doses of blood that can save 200+ lives.
• Hrvatski nogometni savez (Croatian Football Federation)flagshipGTM or Marketing Partner · 1 January 2022Sponsorship of Croatian national football team and federation. New four-year contract signed in 2025 continuing partnership with strongest domestic sports collective. Also sponsors 70+ local sports clubs.
• Fakultet elektrotehnike i računarstva (Faculty of Electrical Engineering and Computing)minorStrategic or Co-development Partner · 1 January 2022Collaboration on postgraduate specialist study 'Products, Digital Innovations and Technologies in Insurance - INSURTECH'. Students learn about latest trends in ICT and digital technologies and organizational aspects of insurance industry application.
• Hrvatske šume (Croatian Forests)minorStrategic or Co-development Partner · 1 January 2022Long-term partnership for tree planting initiatives to neutralize carbon footprint. In 2023, 2,000 oak and beech seedlings planted with employees, estimated to absorb about 400 tons of CO2 over 20 years.
• LAQOcoreTechnology or IntegrationFirst and only 100% digital insurance in Croatia. Simple, fast, and completely digital insurance contracting. LAQO GPT enables travel insurance purchase via WhatsApp - first insurance brand in Europe with AI-powered direct purchase.

Scale indicators23 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Allianz Hrvatska: Direct competitor in the Croatian insurance market offering a similar multi-line portfolio (motor, property, life, health). Comparable as a leading branch of a global insurer operating in the same regulatory and customer environment as Croatia osiguranje.
• Generali Osiguranje Hrvatska: Direct Croatian peer and one of the top insurers in Croatia, offering overlapping non-life, life, and health products to retail and corporate clients. Comparable size and product mix make it a leading competitor for the same customer segments.
• UNIQA osiguranje: Austrian-led multi-line insurer operating in Croatia with comparable products across motor, property, health, and life. Directly competes for both retail and SME customers in the same Croatian market.
• Wiener osiguranje (Vienna Insurance Group): Croatian subsidiary of Vienna Insurance Group (VIG), the largest insurance group in CEE. Directly competes in the same product lines and is regulated under the same Solvency II framework, with similar brand recognition among corporate customers.
• Euroherc osiguranje: Croatian insurer offering motor, property, and travel insurance products. A domestic competitor of similar size competing directly for Croatian retail and corporate customers across multiple lines.
• GRAWE Hrvatska: Austrian-owned Croatian insurer focused on life insurance and savings products. Competes directly with Croatia osiguranje's life insurance portfolio (Mješovito, Riziko Plus, Croatia Senior, Croatia Stipendija).

Regional players

• Triglav Osiguranje: Slovenian-headquartered multi-line insurer with Croatian operations. Comparable in scale and product breadth, and the closest geographically proximate peer given Slovenia's shared post-Yugoslav and EU regulatory context.
• Adriatic Slovenica: Slovenian multi-line insurer with comparable product portfolio and similar historical positioning as a leading national carrier. Relevant as a regional peer in the former-Yugoslav insurance market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/crosighr
• Facebookfacebook.com/croatia.osiguranje
• LinkedInlinkedin.com/company/croatia-osiguranje-d.d.
• Instagraminstagram.com/croatia_osiguranje

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Croatia insurance