UNIQA Asigurari

What UNIQA Asigurari does

UNIQA Asigurari operates as the Romanian arm of Vienna-listed UNIQA Insurance Group AG, delivered through two ASF-authorized public limited companies: UNIQA Asigurari S.A. for general insurance (authorized 2001) and UNIQA Asigurari de Viata S.A. for life insurance (authorized 2010). The group distributes a full-stack insurance portfolio across retail (home UNICASA, auto UNICASCO/RCA, travel UNItravel, health OPTIM/PREMIUM, accident, term life UNISAFE, mixed life UNISMART, savings-life Senior/Junior Protect Plus), bancassurance (unit-linked Active Invest Protect and Future Invest Protect distributed exclusively through Raiffeisen Bank with Raiffeisen Asset Management funds), and corporate/SME channels (UNITeam MED private health with up to 400 EUR/employee/year tax deductibility, OptIMM & Eficient, UNIBOX, UNIBRIX, D&O, UNIBond guarantees, UNIExpo, and group life Echipa & Succes).

The technology layer centers on the MyUNIQA customer portal and the ANA digital consultant. MyUNIQA handles end-to-end self-service: policy purchase, document access, premium payment, claim filing, and real-time unit-linked investment fund switching between three Raiffeisen Asset Management programs (Raiffeisen Ron Plus, Conservator Ron, Moderat Ron). ANA automates claims notification across CASCO, home, health, travel, accident and cargo lines, with instant damage analysis offering 1-2 day payouts on CASCO and home. Electronic signature enables fully paperless policy issuance and claims settlement. The platform supports a Q1 2026 gross written premium run-rate of ~43 million EUR, contributing to a 2025 combined GWP of ~162 million EUR.

Revenue mechanics are entirely insurance-premium-driven (recurring/annual and monthly subscription-based). Bancassurance leverages Raiffeisen Bank branches plus premium auto-debit from Raiffeisen current accounts; retail goes through 40+ branches, broker networks, agency, and direct digital channels; corporate is served by dedicated account managers with packaged and customizable group policies. Combined 2025 net statutory profit before tax reached 19.7 million EUR (+25% YoY) on an institutional customer base exceeding 400,000 Romanian individuals and companies.

Name

UNIQA Asigurari

Legal name

UNIQA Asigurari S.A.

Website

https://uniqa.ro

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

UNIQA Asigurari is the Romanian subsidiary of Vienna-listed UNIQA Insurance Group, offering general and life insurance across retail, bancassurance (via Raiffeisen Bank), and corporate channels, serving 400,000+ customers through a digital platform (MyUNIQA, ANA chatbot).

Ownership category

akta.pro rank

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance (Asigurari Generale): Premiums from non-life insurance lines including home/property (UNICASA), auto CASCO (UNICASCO), mandatory auto liability (RCA), travel, and SME/business packages. Total gross written premiums of ~25 million EUR in Q1 2026 for general insurance.
2. Life Insurance (Asigurari de Viata): Premiums from term life (UNISAFE), mixed life (UNISMART), savings-oriented life (Senior/Junior Protect Plus), and investment-linked products (Active Invest Protect, Future Invest Protect). Life segment totaled ~70 million EUR in gross written premiums in 2025, with individual life products growing over 50% YoY.
3. Private Health Insurance (UNITeam MED): Corporate health insurance plans offered as employee benefits with tax deductibility up to 400 EUR/person/year. Covers outpatient, hospitalization, supplementary packages (dental, maternity, ambulance, psychology). Distributed via brokers and direct sales.
4. Group Employee Benefits: Group life (Echipa & Succes), accident insurance for employees, and private health plans offered to corporate clients as part of employee benefit packages.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

UNIQA Asigurari is a Romanian insurance company operating through two entities: UNIQA Asigurari S.A. (general insurance) and UNIQA Asigurari de Viata S.A. (life insurance). The company sells property and casualty products (home UNICASA, auto UNICASCO/RCA, travel UNItravel, health OPTIM/PREMIUM, personal accident), life insurance (term UNISAFE, mixed UNISMART, savings-oriented Senior/Junior Protect Plus), investment-linked unit-linked products (Active Invest Protect, Future Invest Protect) distributed exclusively via Raiffeisen Bank, and corporate packages (UNITeam MED health, OptIMM & Eficient, UNIBOX, UNIBRIX, UNIBond, D&O). It serves over 400,000 customers in Romania through branches, brokers, digital channels, and bancassurance.

Product overview

UNIQA Asigurari operates as a diversified insurance group with two legal entities (UNIQA Asigurari for general insurance and UNIQA Asigurari de Viata for life insurance), offering products across retail, bancassurance, and corporate segments. The product portfolio includes: personal lines (UNICASA home insurance, UNICASCO auto/CASCO, RCA, travel/UNItravel, health insurance including OPTIM and PREMIUM tiers, UNITeam MED corporate health, term life UNISAFE, savings-oriented UNISMART, Senior/Junior Protect Plus); investment-linked products (Active Invest Protect and Future Invest Protect distributed exclusively through Raiffeisen Bank with Raiffeisen Asset Management investment programs); business insurance (OptIMM/Eficient, UNIBOX, UNIBRIX for SMEs, UNIBond guarantees, D&O liability, UNIExpo art insurance, Echipa & Succes group life); and digital platforms (MyUNIQA customer portal and Consultantul Digital ANA chatbot for claims). The company serves over 400,000 customers in Romania as part of the UNIQA Group with 200+ years international experience.

Differentiator

Problem solved

Functional benefit

Brands

• MyUNIQA: Customer portal for managing insurance policies, viewing documents, and making payments
• ANA
• UNICASA
• UNICASCO
• UNISMART
• UNISAFE
• UNItravel
• Active Invest Protect
• Future Invest Protect
• UNITeam MED
• Senior Protect Plus
• Junior Protect Plus

Products and services

• UNICASA Voluntary home insurance for residential properties covering damages from flooding, pipe bursts, fire, civil liability toward neighbors, temporary relocation costs, and household accident coverage for death or disability.
• UNICASCO Voluntary CASCO automobile insurance covering vehicle damage, theft, and total loss, with digital damage reporting available through the ANA consultant.
• Asigurare RCA Mandatory motor third-party liability insurance required for vehicle registration in Romania.
• UNItravel (Asigurare Calatorie) Travel insurance for short-term trips, purchasable online in minutes, with subscription plans for frequent travelers accessible via Raiffeisen Smart Mobile app.
• UNISAFE Term life insurance providing financial protection for beneficiaries in case of the insured's death during the policy period.
• UNISMART Mixed life insurance combining term life coverage with a savings component, providing both protection and capital accumulation over the policy term.
• Senior Protect Plus Life insurance with savings component tailored for senior clients, supporting retirement preparation and savings accumulation.
• Junior Protect Plus Life insurance with savings component for children, supporting long-term financial planning for minors.
• Active Invest Protect Unit-linked life insurance combining financial protection with investment opportunities in Raiffeisen Asset Management funds (Raiffeisen Ron Plus, Raiffeisen Conservator Ron, Raiffeisen Moderat Ron). Minimum 5-year term, minimum monthly premium 200 RON split between protection and investment. Distributed exclusively through Raiffeisen Bank branches.
• Future Invest Protect Unit-linked life insurance designed for parents to protect and invest for their children's future, with a 20-year term or until the child turns 25 or the contract holder turns 65. Distributed through Raiffeisen Bank.
• UNITeam MED Private health insurance for corporate employees offering comprehensive benefits including outpatient care, hospitalization, dental, maternity, ambulance, and rehabilitation. Tax-deductible up to 400 EUR/person/year with national clinic network access.
• Asigurare de Sanatate OPTIM Individual health insurance offering basic outpatient coverage and medical services.
• Asigurare de Sanatate PREMIUM Premium individual health insurance with comprehensive medical coverage including outpatient, hospitalization, and additional health services.
• Asigurare de Accidente Personal accident insurance providing coverage for death, disability, and medical expenses resulting from accidents.
• Asigurare de Accidente pentru Copii Accident insurance specifically designed for children, providing protection for accident-related events.
• Asigurare Accidente si Raspundere pentru Biciclisti Combined accident and third-party liability insurance for cyclists, covering personal injuries and damages to third parties.
• OptIMM si Eficient SME insurance package covering buildings, contents, equipment, installations, and business interruption for small and medium-sized businesses.
• UNIBRIX Complete and customized business insurance solution for comprehensive commercial coverage tailored to medium-sized and larger enterprises.
• UNIBond Guarantee insurance products including bid bonds (UNIBond Licitatii) and contractual guarantees (UNIBond Contractuale) for corporate clients.
• UNIExpo Specialized insurance coverage for art objects during exhibitions and transit.
• Echipa & Succes Group life insurance for corporate employees providing death and disability coverage as part of employee benefit packages.
• Raspundere Civila pentru Directori si Administratori (D&O) Directors and Officers (D&O) liability insurance protecting company leadership from claims arising from management decisions.

Quantifiable outcome

• Claims paid to customers increased 18% in 2025, reaching ~37 million EUR
• +8 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• BioclinicaminorOthers · 7 May 2026Medical services partner providing health check-up packages (set of medical analyses including complete blood count, liver enzymes, lipid profile, eGFR, Vitamin D, glucose, urea, uric acid) as prizes in UNIQA Asigurari de Viata's promotional campaign 'Check-up, check-in. Bifezi sanatatea, bifezi viitorul' (May-June 2026). 150 prize packages valued at ~200 lei each are awarded to life insurance customers who purchase eligible products through the Raiffeisen Bank channel.
• Raiffeisen Bank (Raiffeisen Bank S.A.)coreChannel Partner/ Reseller/ DistributorExclusive bancassurance partnership for investment-linked life insurance products (Active Invest Protect and Future Invest Protect). Products are sold through all Raiffeisen Bank branches in Romania. Premiums are auto-debited monthly via Direct Debit from policyholders' Raiffeisen Bank current accounts. The bank also provides access to UNIQA travel insurance products through its Raiffeisen Smart Mobile app. UNIQA's investment fund management partner within these products is S.A.I. Raiffeisen Asset Management S.A. (RAM), providing three investment programs: Raiffeisen Ron Plus, Raiffeisen Conservator Ron, and Raiffeisen Moderat Ron.
• SAL-FIN (Entitatea de Solutionare a Litigiilor in domeniul financiar non-bancar)minorOthersAlternative dispute resolution entity for financial non-banking sector in Romania. UNIQA Asigurari directs dissatisfied customers (individual consumers) to SAL-FIN (www.salfin.ro) for out-of-court dispute resolution, in compliance with ASF Regulation 4/2016 and GEO 38/2015 on alternative consumer dispute resolution.
• Parbrize Pilkington (Partner Auto Glass Network)minorChannel Partner/ Reseller/ DistributorNetwork of auto glass repair/replacement service centers (parbrize.ro) partnered with UNIQA for handling CASCO claims involving exclusively vitrified (glass) elements. UNIQA policyholders can access these partners for streamlined glass damage claim processing.
• S.A.I. Raiffeisen Asset Management S.A. (RAM)coreTechnology or IntegrationInvestment management company providing the three investment programs used within UNIQA's unit-linked life insurance products (Active Invest Protect and Future Invest Protect): Raiffeisen Ron Plus, Raiffeisen Conservator Ron, and Raiffeisen Moderat Ron. UNIQA distributes these funds to policyholders through the Raiffeisen Bank channel. Fund value is accessible in real time via MyUNIQA portal.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Omniasig Vienna Insurance Group: Romanian P&C insurer under Vienna Insurance Group offering auto, property, travel, and corporate insurance. Direct competitor to UNIQA's general insurance subsidiary, with overlapping product portfolio and broker-driven distribution.
• Allianz-Tiriac Asigurari: Joint venture between Allianz SE and Tiriac Group offering P&C, life, health, and investment-linked insurance in Romania through multi-channel distribution including bancassurance. One of the largest and most diversified multi-line insurers competing head-to-head with UNIQA across retail, corporate, and bancassurance segments.
• Asirom Vienna Insurance Group: Romanian P&C and life insurer owned by Vienna Insurance Group, one of the largest CEE insurers. Directly competes with UNIQA across P&C lines (auto, home, corporate) and offers life insurance with comparable product structures.
• Euroins Romania: Major P&C insurer in Romania (part of Eurohold Bulgaria group) offering auto (RCA, CASCO), home, and commercial property insurance. Direct competitor to UNIQA's general insurance subsidiary in core P&C lines.
• NN Asigurari de Viata: Leading life insurance provider in Romania (formerly ING Life) offering term, whole life, unit-linked, and pension products distributed through agency and bancassurance channels. Direct competitor to UNIQA Asigurari de Viata in the life insurance and unit-linked segments.
• Signal Iduna Romania: Health-focused insurer in Romania offering corporate and individual private health insurance products. Direct competitor to UNIQA's UNITeam MED corporate health offering and the OPTIM/PREMIUM individual health lines.
• BCR Asigurari de Viata: Bancassurance life insurance provider distributed through Banca Comerciala Romana (BCR/Erste Group) branches. Direct competitor to UNIQA's Raiffeisen-partnered unit-linked and protection products in the bank-distribution channel.
• Generali Romania: Subsidiary of Italian Generali Group offering life, P&C, and health insurance in Romania through agency, broker, and bancassurance distribution. Competes with UNIQA across retail and corporate segments, with similar multi-channel and product breadth.
• Groupama Asigurari: French-owned multi-line insurer in Romania offering P&C, life, and health insurance through agency, broker, and digital channels. Directly comparable to UNIQA's diversified portfolio and customer segments.
• Metropolitan Life Romania: Life insurance subsidiary of MetLife offering term life, savings, and unit-linked products distributed through agency and broker channels in Romania. Competes directly with UNIQA Asigurari de Viata in the life insurance segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCqNjMfCl2MAD9Wkcu_et6uw
• Facebookfacebook.com/uniqa.asigurari
• LinkedInlinkedin.com/company/uniqa-asigurari-sa

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 UNIQA Asigurari