Grawe Hrvatska

What Grawe Hrvatska does

Grawe Hrvatska d.d. is a Croatian joint-stock insurance company founded in 1993 and headquartered in Zagreb, operating as a wholly-owned subsidiary of the Austrian GRAWE Group (Grazer Wechselseitige Versicherung AG), which has a 190+ year heritage and presence in 14 Central and Eastern European countries. The company is positioned as the first international insurer in Croatia and is described within the group as its most successful subsidiary. It is supervised by HANFA, the Croatian Financial Services Supervisory Agency, and publishes annual sustainability and PAI disclosures for 2022 through 2025.

The company sells a comprehensive, multi-line insurance portfolio across personal and commercial segments, including property (GRAWE DOM, multi-apartment building, GRAWE APARTMAN PLUS for tourist accommodation), motor (GRAWE AUTO, fleet), life (CLASSIC, INVEST/INVEST 4U/INVEST IN1, ELITE 20 PLUS, RENTA, children's, 1-2-3 ŠTEDI, TREZOR, JAMAC, group life), supplementary health (GRAWE VITAL with PREVENT/HOSPITAL/OPERATION/CARE4U tiers and collective variants), accident (NEZGODA, SELECT CARE, FAMILY CARE, SPORT, CARE 4KID, PROGRESSIVE 300, UI KOMBINACIJE, collective), travel (TOUR single/group/family/MULTI TRIP, TRAVEL for foreign visitors), liability, vessel (PLOV), bicycle (BICIKLI in three tiers), and SME business lines (GRAWE BIZ, BIZ EKSPRES, TRANSPORT, business liability). Pricing is quote-based with annual and multi-year recurring premiums and discount mechanics (up to 20% bundle, 10% multi-year, 5% e-communication).

Distribution and operations combine owned branch offices (GRAWE uredi), a regional partner-agent network (GRAWE partneri), inside sales via phone, a self-service webshop, an online customer portal, a contracted-healthcare e-health appointment platform, and a 24/7 GRAWE TOUR service center with international emergency assistance; an ORYX Asistencija partnership delivers replacement vehicles within 45 minutes of call to motor policyholders. Revenue is not publicly disclosed, and GRAWE Hrvatska's capital base, regulatory license, and product breadth are the operational anchors for its multi-channel, retail-and-SME-led insurance business.

Name

Grawe Hrvatska

Legal name

GRAWE Hrvatska d.d.

Website

https://grawe.hr

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Grawe Hrvatska d.d. is a Croatian insurance company (founded 1993, Zagreb) and wholly-owned subsidiary of Austrian GRAWE Group, offering life, health, auto, property, accident, travel, liability, vessel, bicycle, and SME business insurance to individuals, families, and small enterprises across Croatia via branches, partner agents, and digital channels.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

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

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Product Liability & Recall (FSAJAGAG)

Keywords

• Property and casualty insurance
• Life insurance products
• Supplementary health insurance
• Motor vehicle insurance
• Business insurance packages

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property Insurance: Revenue from insuring residential and commercial property including homes, apartments, multi-apartment buildings, and private rental properties against risks such as fire, storm, water damage, burglary, and earthquake. Premiums are collected annually or multi-year, with discounts for multi-year policies and bundled coverage.
2. Motor Vehicle Insurance: Revenue from mandatory third-party liability (AO) and voluntary comprehensive (kasko) motor vehicle insurance, plus add-on covers such as driver/passenger protection, roadside assistance (GRAWE MOBIL), and bonus protection. Includes the Drugi Auto replacement vehicle service.
3. Life Insurance: Revenue from a broad range of life insurance products including classic life insurance (GRAWE CLASSIC), unit-linked products (GRAWE INVEST, INVEST 4U, INVEST IN1), term life with critical illness (GRAWE ELITE 20 PLUS), annuity products (GRAWE RENTA), children's policies (GRAWE za djecu), mixed insurance with tax advantages (GRAWE 1-2-3 ŠTEDI), single-premium savings (GRAWE TREZOR), and term risk insurance (GRAWE JAMAC). Group life insurance for enterprises is also offered.
4. Accident Insurance: Revenue from personal accident insurance covering permanent disability, death, hospitalization, and bone fractures. Products include SELECT CARE (15-65 years), FAMILY CARE (family coverage), SPORT/SPORT PRO (for athletes), GRAWE CARE 4KID (children 1-18), GRAWE CARE4U PLUS, UI KOMBINACIJE, and PROGRESSIVE 300. Also includes collective accident insurance for enterprises, schools, and organizations.
5. Health Insurance: Revenue from supplementary health insurance products under the GRAWE VITAL brand, including PREVENT (Classic, Premium, Deluxe packages covering systematic check-ups, lab tests, specialist visits, diagnostics), HOSPITAL (daily hospital allowance), OPERATION (surgical intervention payout), and CARE4U (outpatient coverage). Also includes collective health insurance for enterprises.
6. Travel Insurance: Revenue from travel insurance products including GRAWE TOUR (single, group, family annual multi-trip), GRAWE TOUR MULTI TRIP (annual multi-trip for unlimited journeys up to 45 days each), and GRAWE TRAVEL (for foreign nationals visiting Croatia). Optional add-ons include trip cancellation, private liability, and luggage coverage.
7. Liability Insurance: Revenue from personal liability insurance (private liability, property ownership liability, landlord liability, animal liability), business liability insurance (general liability, professional liability for specific professions), and product liability for enterprises.
8. Vessel Insurance: Revenue from mandatory and voluntary vessel insurance including boat/yacht third-party liability, passenger accident insurance, kasko coverage, personal belongings insurance, and crew insurance.
9. Bicycle Insurance: Revenue from bicycle insurance policies (GRAWE BICIKLI) available in three tiers (B-SAFE, B-RELAXED, B-SMART) covering accident liability, personal injury, and optional theft protection. Valid globally for personal accident and in Europe for liability and theft.
10. Business Insurance: Revenue from GRAWE BIZ packages for small and medium enterprises covering property, business interruption, liability, goods-in-transport, and employee benefits (collective accident, health). Includes GRAWE BIZ EKSPRES for micro-businesses with premises up to 250m² and equipment value up to EUR 150,000.
11. Goods in Transit / Transport Insurance: Revenue from GRAWE TRANSPORT insurance covering road, rail, air, and sea transport of goods against damage, theft, accident, and storage risks. Includes carrier liability insurance. Offered as annual blanket policies, per-shipment policies, or general (flotant) policies.
12. Multi-Apartment Building Insurance: Revenue from insurance for multi-apartment buildings covering structural elements, common areas, and building equipment against fire, storms, water, glass breakage, burglary, and earthquake, with optional liability and machine breakdown coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels10 records

Core offering

GRAWE Hrvatska d.d. is a Croatian insurance company that sells a full multi-line portfolio of personal and business insurance products, including property (GRAWE DOM), motor (GRAWE AUTO), life insurance (CLASSIC, INVEST, ELITE 20 PLUS, RENTA, TREZOR, JAMAC, 1-2-3 ŠTEDI, GRAWE za djecu), supplementary health (GRAWE VITAL with PREVENT/HOSPITAL/OPERATION/CARE4U), accident (GRAWE NEZGODA with SELECT CARE, FAMILY CARE, SPORT, CARE 4KID), travel (GRAWE TOUR/TRAVEL), bicycle (GRAWE BICIKLI), vessel (GRAWE PLOV), liability, and business packages (GRAWE BIZ, GRAWE BIZ EKSPRES, GRAWE TRANSPORT, multi-apartment building, collective accident/health). Products are distributed through branch offices, partner agents, an online webshop, and digital self-service channels across Croatia.

Product overview

GRAWE Hrvatska d.d. is a Croatian insurance company operating as part of the Austrian GRAWE Group (over 190 years of tradition). The company offers a comprehensive portfolio of insurance products organized into personal insurance (for individuals) and business insurance (for legal entities) segments. Personal insurance includes GRAWE AUTO (automotive), GRAWE DOM (property/home), GRAWE VITAL (supplemental health with PREVENT packages and CARE4U), GRAWE NEZGODA (accident with SELECT CARE, FAMILY CARE, SPORT, CARE 4KID), GRAWE BICIKLI (bicycle), GRAWE PLOV (vessel), GRAWE TOUR/TRAVEL (travel), GRAWE APARTMAN PLUS (private accommodation), and various life insurance products (CLASSIC, INVEST, ELITE 20 PLUS, RENTA, children's insurance, TREZOR, JAMAC). Business insurance encompasses GRAWE AUTO for enterprises, GRAWE BIZ/BIZ EKSPRES (SME), GRAWE TRANSPORT (cargo), GRAWE PLOV for enterprises, GRAWE VITAL collective health, collective accident insurance, business liability, and multi-apartment building insurance. The company also provides services including GRAWE MOBIL (roadside assistance), customer portals, webshop, damage reporting, and GRAWE Educira (financial literacy education platform).

Differentiator

Problem solved

Functional benefit

Brands

• GRAWE DOM: Property insurance for houses and apartments
• GRAWE AUTO
• GRAWE VITAL
• GRAWE BICIKLI
• GRAWE PLOV
• GRAWE NEZGODA
• GRAWE TOUR
• GRAWE TRAVEL
• GRAWE BIZ
• GRAWE BIZ EKSPRES
• GRAWE TRANSPORT
• GRAWE APARTMAN PLUS
• GRAWE Educira
• GRAWE MOBIL
• ORYX Asistencija
• GRAWE CLASSIC
• GRAWE INVEST
• GRAWE ELITE 20 PLUS
• GRAWE RENTA
• GRAWE TREZOR
• GRAWE JAMAC
• GRAWE KOLEKTIVNO
• GRAWE SOS

Products and services

• GRAWE AUTO Personal automotive insurance covering compulsory third-party liability (AO), comprehensive kasko coverage, driver and passenger protection, and add-ons such as GRAWE MOBIL roadside assistance and ORYX Asistencija Drugi Auto replacement vehicle. For individual vehicle owners.
• GRAWE AUTO za poduzeća Automotive insurance designed for business vehicle fleets, including compulsory liability, kasko, and supplementary coverages for enterprise fleets.
• GRAWE DOM Home and apartment insurance package covering building and household contents against fire, natural disasters, water damage, glass breakage, burglary, and private liability for household members. For homeowners and tenants.
• Osiguranje višestambenih zgrada Multi-apartment building insurance covering structural elements, common areas, and building equipment against fire, storms, water, glass breakage, burglary, and optional earthquake, liability, and machinery breakdown. For co-owners and building managers.
• GRAWE APARTMAN PLUS Insurance package for private tourist accommodation providers (up to 20 beds), covering property, household contents, guest liability, landlord liability, business interruption, and optional earthquake and SOS emergency assistance.
• GRAWE CLASSIC Classic life insurance providing financial protection in case of death and survival benefits, offering long-term security and potential profit participation.
• GRAWE INVEST, INVEST 4U & INVEST IN1 Unit-linked life insurance products tied to investment funds, combining life protection with investment opportunities.
• GRAWE ELITE 20 PLUS Term life insurance covering death, survival, and critical illness, providing comprehensive protection.
• GRAWE RENTA Pension annuity insurance designed to provide a secure and stable income during retirement.
• GRAWE za djecu Life insurance products specifically designed for children, focusing on savings and financial security for the child's future.
• GRAWE 1-2-3 ŠTEDI Mixed insurance product offering tax-advantaged savings, combining protection and savings elements.
• GRAWE TREZOR Single-premium savings life insurance without medical risk assessment, offering straightforward protection with accumulated value.
• GRAWE JAMAC Pure risk life insurance providing financial security for beneficiaries in case of the policyholder's premature death.
• GRAWE grupno životno osiguranje Group life insurance for businesses and organizations, covering death and survival for a minimum of 5 members under a single policy.
• GRAWE VITAL Supplementary health insurance brand providing quick access to systematic examinations, specialist consultations, diagnostic tests, and additional financial security through PREVENT, HOSPITAL, OPERATION, and CARE4U packages.
• GRAWE PREVENT Preventive health insurance packages (Classic, Premium, Deluxe tiers) focused on timely prevention through systematic check-ups, laboratory analyses, specialist consultations, and extended diagnostics.
• GRAWE HOSPITAL Health insurance providing daily financial compensation during hospitalization and childbirth benefits.
• GRAWE OPERATION Health insurance providing cash benefits based on the type and severity of surgical procedures performed.
• GRAWE CARE4U Individual outpatient health insurance covering everyday healthcare costs including doctor visits, dental and optical exams, medications, and specialist treatments.
• GRAWE VITAL kolektivno zdravstveno osiguranje Collective supplemental health insurance for enterprises offering systematic and specialist examinations with quick access to contracted medical institutions for employees.
• GRAWE NEZGODA Accident insurance brand providing financial support for permanent disability, death, temporary inability to work, and hospitalization resulting from accidents worldwide.
• GRAWE kolektivna nezgoda Collective accident insurance for organizations covering employees, members, and guests with customizable death, disability, and injury benefits.
• GRAWE BICIKLI Bicycle insurance offering three tiered packages (B-SAFE, B-RELAXED, B-SMART) covering personal accident, third-party liability, and optional theft protection.
• GRAWE PLOV Vessel and boat insurance covering compulsory liability, kasko, passenger accident coverage, personal belongings, and optional liability extensions for vessel owners.
• GRAWE TOUR & GRAWE TRAVEL Travel insurance providing medical assistance, emergency evacuation, trip cancellation coverage, baggage loss protection, and 24/7 service center support for travelers. GRAWE TOUR for residents and GRAWE TRAVEL for foreign nationals visiting Croatia.
• Osiguranje odgovornosti (fizičke osobe) Personal liability insurance covering bodily injuries and property damages to third parties arising from everyday life activities, property ownership, or pet ownership.
• Osiguranje odgovornosti za pravne osobe Business liability insurance covering damages to third parties, employees, and partners with extensions for environmental damage, construction risks, and professional liability.
• GRAWE BIZ Small and medium enterprise insurance covering fire, natural disasters, water damage, burglary, glass breakage, business interruption, and optional liability and technical equipment protection.
• GRAWE BIZ EKSPRES Express business insurance for small enterprises without production, covering spaces up to 250 m² with equipment and inventory valued up to EUR 150,000.
• GRAWE TRANSPORT Cargo insurance protecting goods during transport by road, rail, air, or sea against damage, theft, traffic accidents, and temporary storage, including carrier liability.
• GRAWE MOBIL 24/7 mobile roadside assistance service for drivers and passengers of GRAWE motor insurance policyholders.
• GRAWE Educira Educational platform providing financial literacy content, insurance education, practical advice, and informational materials for informed decision-making.

Quantifiable outcome

• Replacement vehicle delivery within 45 minutes of call via ORYX Asistencija Drugi Auto service
• +6 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• Marra AltruicoreStrategic or Co-development PartnerGRAWE Hrvatska and the breast cancer support association Marra Altrui jointly run the 'Ne odgađaj. Prevencija je pola zdravlja.' (Don't delay. Prevention is half of health) campaign. The partnership promotes preventive health check-ups and raises funds for Marra Altrui's psychoesthetic support services for women after breast cancer treatment. Part of each GRAWE PREVENT (supplementary health insurance) policy premium is donated to Marra Altrui. Marra Altrui has provided over 500 free treatments and 20 support workshops since its founding in 2013.
• ORYX AsistencijacoreTechnology or IntegrationORYX Asistencija provides the 'Drugi Auto' (Second Car) replacement vehicle service to GRAWE motor insurance policyholders. The service delivers a replacement vehicle within 45 minutes of a call, available 24/7, 365 days a year. The ORYX contact center handles roadside assistance calls (0800 8788 in Croatia, +385 1 6269 888 abroad).
• Grazer Wechselseitige Versicherung AG (GRAWE Group / GRAWE Koncern)coreOthersGRAWE Hrvatska d.d. is a wholly-owned subsidiary of Austrian insurance group Grazer Wechselseitige Versicherung AG (GRAWE Group). The group operates insurance companies, banks, and real estate businesses in 14 Central and Eastern European countries. GRAWE Hrvatska is described as the most successful subsidiary in the group. The parent company's 190+ year heritage provides brand credibility, capital strength, and operational best practices to GRAWE Hrvatska.
• Hrvatska agencija za nadzor financijskih usluga (HANFA)coreOthersHANFA is the Croatian Financial Services Supervisory Agency that regulates and supervises GRAWE Hrvatska's operations. GRAWE is required to comply with Croatian financial services regulations and HANFA oversight.

Scale indicators16 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wiener osiguranje (VIG): Croatian subsidiary of Vienna Insurance Group (VIG), one of the largest CEE insurance groups. Directly comparable to GRAWE Hrvatska in product portfolio and Austrian-parent cross-border positioning.
• Croatia osiguranje: The dominant Croatian insurance carrier offering life, non-life, motor, property, health, and travel insurance directly comparable to GRAWE Hrvatska's full multi-line portfolio. As the market leader, it is the closest direct competitor in product depth and Croatian distribution.
• Generali osiguranje (Croatia): Croatian operations of Generali Group providing life and non-life insurance including motor, property, health, and accident cover. Comparable to GRAWE Hrvatska as a foreign-owned multi-line carrier serving the same Croatian customer base.
• Euroherc osiguranje: A significant Croatian non-life insurer offering motor, property, casualty, and travel insurance. Directly competes with GRAWE Hrvatska in P&C lines, particularly motor and property.
• Triglav osiguranje (Croatia): Croatian subsidiary of Slovenia's Triglav Group, offering life, motor, property, and accident insurance. Similar positioning to GRAWE Hrvatska as a regional CEE multi-line insurer serving the Croatian market.
• Allianz Hrvatska: Croatian subsidiary of Allianz Group offering life, motor, property, health, and personal liability insurance. Comparable to GRAWE Hrvatska as a foreign-owned multi-line insurer with strong brand and broad distribution across Croatia.
• UNIQA osiguranje (Croatia): Croatian subsidiary of Austrian UNIQA Insurance Group offering comparable life, non-life, motor, property, and health insurance products. Both GRAWE and UNIQA are Austrian-owned multi-line insurers operating in Croatia with similar product breadth.

Broad incumbents

• Grazer Wechselseitige Versicherung AG (GRAWE Group): Parent company of GRAWE Hrvatska and a 194-year-old Austrian insurance group operating in 14 CEE countries. Relevant as a group-level benchmark for capital strength, product innovation, and multi-jurisdictional insurance expertise.
• Vienna Insurance Group (VIG): Leading CEE insurance group operating 20+ insurance brands across the region. Comparable to GRAWE Group as a peer parent organization, providing perspective on multi-country CEE insurance platform economics relevant to GRAWE Hrvatska's strategic context.

Regional players

• Adriatic Slovenica: Slovenian multi-line insurer offering life and non-life products, comparable to GRAWE Hrvatska in size, heritage, and Adriatic-region market positioning. Functions as a regional rather than direct Croatian competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/GRAWEHrvatska
• LinkedInlinkedin.com/company/133853
• Instagraminstagram.com/grawe_hrvatska

Revenue estimate

Valuation estimate

Number of profiles

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 Grawe Hrvatska