PKO Ubezpieczenia

What PKO Ubezpieczenia does

PKO Ubezpieczenia is a Polish insurance carrier operating as a wholly-owned subsidiary of PKO Bank Polski, the largest bank in Poland and one of the largest financial institutions in Central and Eastern Europe. The business runs through two licensed entities: PKO Życie Towarzystwo Ubezpieczeń S.A. for life and health, and PKO Towarzystwo Ubezpieczeń S.A. for property and casualty. Its product portfolio spans life and health (PKO Życie), motor (PKO Moto with OC/AC/NNW/Assistance and a four-tier Auto Assistance module), home (PKO Dom), travel (Moje Podróże24), income protection (Ochrona Dochodu), and business insurance distributed via PKO Leasing (Dla Firm). Underwriting is risk-based; the life product features a 5-year fixed-premium structure while the motor product follows a 12-month policy with installment options.

Name

PKO Ubezpieczenia

Legal name

PKO Życie Towarzystwo Ubezpieczeń Spółka Akcyjna

Website

https://pkoubezpieczenia.pl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

PKO Ubezpieczenia is a Polish insurance carrier, wholly owned by PKO Bank Polski, offering life, health, motor, home, travel, income protection, and business insurance products distributed via the parent bank's branch network, digital platforms, and call center to Polish consumers and SMEs.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113), Direct Property and Casualty Insurance Carriers (524126)

SIC

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

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industry

Group Pharmacy Benefit (Rx) Coverage & PBM-Integrated Plans (FSAIAFAN)

Keywords

• Life insurance products
• Property casualty insurance
• Motor vehicle insurance
• Bancassurance services
• Home insurance coverage

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Life and Health Insurance: PKO Życie Towarzystwo Ubezpieczeń S.A. generates revenue through recurring insurance premiums for life, health, and accident protection products including PKO Życie, group insurance, and income protection policies.
2. Insurance Premiums - Property and Casualty Insurance: PKO Towarzystwo Ubezpieczeń S.A. generates revenue through property and casualty insurance including home insurance (PKO Dom), motor insurance (PKO Moto with OC/AC/NNW/Assistance), travel insurance (Moje Podróże24), and business insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

PKO Ubezpieczenia is a Polish insurance company operating as part of PKO Bank Polski Group, selling life, health, property, motor, travel, and income-protection insurance policies to individuals and business owners. Its products are distributed primarily through PKO Bank Polski branches and agencies, PKO Leasing locations, the iPKO online banking platform, the IKO mobile app, a 24/7 call center, and the dedicated Twoja Polisa customer portal. The portfolio is split between two licensed entities: PKO Życie Towarzystwo Ubezpieczeń S.A. for life and health cover and PKO Towarzystwo Ubezpieczeń S.A. for property-and-casualty lines.

Product overview

PKO Ubezpieczenia is a Polish insurance company operating as part of PKO Bank Polski, offering a portfolio of insurance products distributed primarily through PKO Bank Polski branches, PKO Leasing, iPKO online banking, IKO mobile app, and call centers. The product portfolio includes PKO Życie (life and health insurance with optional packages for health, accidents, disability, and hospitalization), PKO Moto (vehicle insurance including OC/AC, NNW, Assistance, and Green Card), PKO Dom (home and apartment insurance), Moje Podróże24 (travel insurance), Ochrona Dochodu (income protection), and Dla Firm (business insurance). The company also offers Auto Assistance as an add-on module and sponsors sports programs including PKO Ubezpieczenia Junior Race and PKO Ubezpieczenia Via Dolny Śląsk. Customer self-service is provided through the Twoja Polisa online portal.

Differentiator

Problem solved

Functional benefit

Brands

• PKO Życie: Life insurance product offering protection for life and health, including coverage for serious illness, accidents, hospitalization, and temporary incapacity to work.
• PKO Moto
• PKO Dom
• Moje Podróże24

Products and services

• PKO Życie

Quantifiable outcome

• Over 2 million policies serviced
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered minor and core.

• SW ResearchminorStrategic or Co-development Partner · 16 June 2026SW Research conducted the national survey of over 1,000 Poles aged 18-75 in April 2026 that formed the basis for PKO Ubezpieczenia's Digital Wellbeing Report on social media and AI impact.
• PKO Bank PolskicoreChannel Partner/ Reseller/ Distributor · 1 April 2014PKO Ubezpieczenia operates as a subsidiary within the PKO Bank Polski Capital Group. Insurance products are primarily distributed through PKO Bank's extensive branch network and digital channels including iPKO and IKO platforms. The partnership provides PKO Ubezpieczenia with access to millions of PKO Bank customers and the credibility of Poland's largest bank.
• PKO LeasingcoreChannel Partner/ Reseller/ Distributor · 1 April 2014PKO Leasing distributes business insurance products to entrepreneurs financing their activities through leasing arrangements. This partnership extends PKO Ubezpieczenia's reach into the business segment through PKO Leasing's customer base.
• Partner Workshops NetworkminorChannel Partner/ Reseller/ DistributorNetwork of partner workshops for vehicle inspection and repair services under PKO Moto Auto Assistance. Available for vehicle inspection when purchasing insurance and repairs covered by policies.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Generali Polska: Generali Polska is the Polish subsidiary of Assicurazioni Generali offering life and non-life insurance products to retail and corporate customers. It directly competes with PKO Ubezpieczenia across motor, life, and property lines.
• PZU: PZU is Poland's largest insurance group offering life, non-life, health, banking, and pension products. It is the dominant direct competitor to PKO Ubezpieczenia across all of PKO Ubezpieczenia's lines including motor, life, and property, and competes for the same Polish consumer wallet.
• TUiR Warta: Warta is one of Poland's largest P&C insurers, part of the Talanx Group, offering motor, property, and personal insurance. It competes directly with PKO Ubezpieczenia in the home, motor, and travel segments within the same Polish retail market.
• Ergo Hestia: Ergo Hestia is a major Polish insurer offering life and non-life products through bank and broker channels, part of the Munich Re Group. It is one of the closest direct competitors to PKO Ubezpieczenia given its similar bancassurance and multi-channel distribution model.
• Allianz Polska: Allianz Polska is the Polish arm of Allianz Group offering life, property, motor, and health insurance through agents, brokers, and bank partners. It directly competes with PKO Ubezpieczenia across all retail insurance lines in Poland.
• TU Europa: TU Europa is a Polish life and P&C insurer offering life insurance, investment products, and motor coverage. It is a direct competitor in the retail life and savings products space in Poland.
• Vienna Life (VIG Group): Vienna Life is a Polish life insurer part of the Vienna Insurance Group, distributing via bank partners and agents. It is a particularly close peer given the similar bancassurance-driven life insurance model in Poland.
• Compensa (VIG): Compensa is part of the Vienna Insurance Group, offering life and non-life insurance in Poland via bancassurance and broker channels. It directly competes with PKO Ubezpieczenia in bancassurance-driven life and motor insurance.

Emerging players

• BNP Paribas Cardif Polska: BNP Paribas Cardif Polska is the Polish arm of BNP Paribas Cardif, offering creditor and life insurance products distributed through banking partners. It is a comparable bancassurance competitor leveraging a large banking group for distribution in Poland.
• Signal Iduna Polska: Signal Iduna Polska is the Polish subsidiary of Germany's Signal Iduna Group offering life, health, and accident insurance. It is a niche but relevant peer in the health, life, and group insurance segments where PKO Ubezpieczenia also operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PKO-Ubezpieczenia-105439797914040
• LinkedInlinkedin.com/company/pko-ubezpieczenia
• Instagraminstagram.com/pkoubezpieczenia

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 PKO Ubezpieczenia