Allianz ZB

What Allianz ZB does

Allianz ZB (legal entity: Allianz Zagreb d.d., a Croatian joint-stock company) is the Croatian operating subsidiary of Allianz Group, providing a comprehensive multi-line insurance portfolio to Croatian retail consumers and small-to-mid commercial clients. The product lineup spans property (Moj Dom for home and household contents), motor (Moj Auto with Comfort/Plus/Extra/Max tiers plus a dedicated EV package, vessel, and skipper cover), life (Allianz Prospekt single and multi-premium, Allianz Riziko risk cover, Fokus Plus, and Tigar Teo child cover), health (Dopunsko supplementary and Dodatno additional), accident, and travel insurance. Distribution is omnichannel: an in-house webshop and agent network, the m-Allianz mobile app, the Moj Allianz customer portal, and a deep bancassurance partnership with Zagrebačka banka (including the m-zaba digital channel), with secondary credit-brokerage arrangements via Addiko Bank and a 17-bank SEPA direct-debit rail for life premium collection. A dedicated OPUS Web Sales portal serves the B2B segment.

Underlying the operation is a digital service stack including address-level risk scoring via the GloRiA tool (flood, earthquake, storm), a digital supplementary-health insurance card accepted at primary care clinics and pharmacies nationwide, photo-submitted claims reimbursement, an Allianz Best Doctors global second-opinion service, and integration with multiple Croatian payment rails including KEKS Pay, Zaba e-Commerce, and Payway. Revenue mechanics are anchored on recurring insurance premiums (auto, home, life, health, accident, travel), with disclosed monthly price points starting at approximately €5.97 for supplementary health Package A and €14–15 monthly minimums for life and child policies. Ancillary fee income is generated through credit-brokerage intermediation with partner banks. The customer base is overwhelmingly individual Croatian retail consumers served via digital and agent channels, with a smaller B2B segment served through the OPUS portal; segment data is horizontal rather than vertical-specialised.

Name

Allianz ZB

Legal name

Allianz Zagreb d.d.

Website

https://allianz.hr

Company type

Private

Operating status

Operating

Short description

Allianz ZB (Allianz Zagreb d.d.) is the Croatian subsidiary of Allianz Group, offering multi-line insurance — auto, home, life, health, accident, and travel — to Croatian retail consumers and small businesses via digital channels, agent network, and bancassurance.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

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

SIC

Insurance Carriers, Nec (6399), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Full-Coverage Personal Auto Insurance (FSAJAAAF)

akta.pro secondary industries

Whole Life Insurance (FSAIABAA), Employer-Sponsored Dental & Vision (Group) (FSAIAHAH)

Keywords

• Insurance products
• Life insurance
• Vehicle insurance
• Health insurance
• Property insurance

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property Insurance: Revenue from insuring residential properties including homes, apartments, and household contents against risks such as fire, flood, earthquake, theft, and glass breakage.
2. Vehicle Insurance: Revenue from mandatory third-party liability insurance and voluntary comprehensive (kasko) coverage for motor vehicles, available in packages (Comfort, Plus, Extra, Max).
3. Health Insurance: Revenue from supplementary health insurance (covers co-payment for HZZO services) and additional health insurance (higher standard healthcare access), plus accident insurance.
4. Life Insurance: Revenue from life insurance products including endowment, risk, and child insurance, with minimum monthly premiums starting at 15 EUR.
5. Travel Insurance: Revenue from travel health insurance and additional coverages including accident, personal liability, luggage, and trip cancellation insurance, available as single-trip or annual policies.
6. Credit Brokering: Fee-based credit intermediation services helping customers find optimal credit solutions, partnered with Addiko Bank for non-purpose loans.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Allianz ZB (Allianz Zagreb d.d.) is a Croatian insurance company that underwrites and distributes non-life and life insurance products for private individuals and corporate clients, including motor, home, life, health, travel, accident, and liability cover. The company delivers these policies through direct online channels (webshop, Moj Allianz portal, m-Allianz app), partner bank branches (Zagrebačka banka), and a broker/agent network. It also operates a dedicated B2B platform (OPUS) for business partners and corporate customers.

Product overview

Allianz ZB (Allianz Zagreb d.d.) operates as a Croatian insurance company offering a comprehensive portfolio of insurance and financial products across property, casualty, life, health, and travel segments. The core product lineup includes: vehicle insurance (Moj Auto with Comfort/Plus/Extra/Max packages including EV coverage), home insurance (Moj Dom covering building structure and household contents), life insurance (Allianz Prospekt, Allianz Riziko, Allianz Fokus Plus, and children's Tigar Teo), health insurance (Dopunsko and Dodatno supplementary health with digital card), accident insurance, and travel insurance with optional add-ons. Digital service delivery centers on the Moj Allianz client portal and m-Allianz mobile app, enabling policy management, claims filing, digital health cards, and SOS assistance. The company also provides credit brokerage and investment fund services through partnerships. Products are distributed via webshop, mobile app, agent network, and business partner portals including OPUS B2B and Zagrebačka banka co-branded m-zaba channel.

Differentiator

Problem solved

Functional benefit

Brands

• m-Allianz: Mobile application providing access to insurance policies, digital insurance card, damage claims, and payment services.
• Moj Allianz
• GloRiA

Products and services

• Vehicle Insurance (Moj Auto) Comprehensive motor insurance for private car owners covering third-party liability, casco, and supplementary coverage options.
• Electric Vehicle Insurance (Moj Auto za EV) Specialized casco insurance tailored for electric and hybrid vehicles, covering battery and charging-equipment risks.
• Vessel Insurance (Osiguranje plovila) Insurance coverage for private vessels and boats, including hull damage and third-party liability.
• Skipper Insurance (Osiguranje skipera) Personal accident and liability cover for skippers operating private vessels.
• Home Insurance (Moj Dom) Property and household contents insurance for homeowners and tenants, covering fire, theft, water damage, and natural perils.
• Personal Liability Insurance (Osiguranje od privatne odgovornosti) Private third-party liability coverage for individuals against claims arising from everyday activities.
• Single-Premium Life Insurance (Allianz Prospekt jednokratni) Unit-linked endowment life insurance paid as a single premium, marketed via bank partners.
• Multi-Premium Life Insurance (Allianz Prospekt višekratni) Unit-linked endowment life insurance with recurring premium payments, distributed through partner banks.
• Risk Life Insurance (Allianz Riziko) Term life insurance providing pure death-cover protection without a savings component.
• Flexible Risk Life Insurance (Kasko 4 Me) Term life insurance with adjustable coverage and premium flexibility for private clients.
• Endowment Life Insurance (Allianz Fokus Plus) Hybrid life insurance combining protection with a guaranteed savings element.
• Children's Insurance (Tigar Teo) Insurance product designed for children, combining protection with savings accumulation tied to the child's age.
• Supplementary Health Insurance (Dopunsko zdravstveno osiguranje) Voluntary health insurance covering the cost-share portion of Croatia's public healthcare system.
• Additional Health Insurance (Dodatno zdravstveno osiguranje) Supplemental health insurance covering services not included in the basic statutory health insurance package.
• Allianz Best Doctors Insurance product providing access to international medical experts and second-opinion consultations.
• Accident Insurance (Osiguranje od nezgode) Personal accident insurance covering death, disability, and medical costs resulting from accidental injury.
• Travel Insurance (Putno osiguranje) Travel insurance covering medical expenses, trip cancellation, lost luggage, and travel assistance abroad.
• Credit Brokering (Kreditno posredovanje) Insurance-mediated consumer loan brokerage service offered in cooperation with partner banks.

Quantifiable outcome

• 4.5/5 customer satisfaction rating from 10,303 verified reviews
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Zagrebačka banka (Zaba)coreChannel Partner/ Reseller/ DistributorAllianz distributes insurance products through Zagrebačka banka's physical branches and m-zaba digital platform, offering car, home, travel, and supplementary health insurance to bank customers. Additionally, Zaba processes online payments via e-Commerce system for Allianz webshop.
• Addiko BankcoreChannel Partner/ Reseller/ DistributorPartnership for credit brokering services where Allianz assists customers in finding optimal credit solutions, with Addiko Bank offering non-purpose loans and first annuity refund promotion.
• AZ FondminorStrategic or Co-development PartnerInvestment fund partner for unit-linked life insurance products and investment tracking services.
• Allianz GlobalcoreStrategic or Co-development PartnerParent company providing international brand, global insurance expertise, risk assessment models (GloRiA), and cross-border support capabilities.
• SEPA Direct Debit Partner BankscoreChannel Partner/ Reseller/ DistributorPartnership with 17 Croatian banks enabling SEPA direct debit payment collection for life insurance premiums, including Addiko Bank, Agram banka, Croatia banka, Erste&Steiermärkische Bank, HPB, Istarska kreditna banka, Karlovačka banka, KentBank, OTP banka, Podravska banka, Privredna banka Zagreb, Raiffeisenbank Austria, Samoborska banka, Sberbank, Slatinska banka, and Zagrebačka banka.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• UNIQA Osiguranje: Croatian subsidiary of Austrian UNIQA Insurance Group, offering motor, property, life, and health insurance. Directly competes with Allianz ZB as another CEE-headquartered multi-line insurer in the Croatian market.
• Croatia Osiguranje: Croatia's largest domestic insurance company, offering a full multi-line portfolio including life, non-life, health, and pension products. Directly competes with Allianz ZB across all major insurance categories in the Croatian market.
• Euroherc Osiguranje: A leading Croatian insurer offering motor, property, life, and travel insurance. Directly competes with Allianz ZB in the Croatian retail and SME insurance market with similar multi-channel distribution.
• Generali Osiguranje: Croatian subsidiary of Italian Generali Group, offering life and non-life insurance products. Comparable as a major international multi-line insurer operating in Croatia with similar product breadth.
• Triglav Osiguranje: Slovenian-headquartered Triglav Group operates in Croatia offering life and non-life insurance products. Comparable as a regional multi-line insurer with similar product mix and Adriatic market focus.
• Groupama Osiguranje: Croatian subsidiary of French Groupama insurance group, offering life, motor, and property insurance. Directly competes with Allianz ZB in the Croatian retail insurance market.
• Wiener Osiguranje (Vienna Insurance Group): Croatian subsidiary of Vienna Insurance Group (VIG), one of the largest insurance groups in CEE. Offers comparable life, motor, and property insurance products in Croatia, with similar multi-channel bancassurance-led distribution.

Broad incumbents

• Allianz SE (Group): Global parent of Allianz ZB, one of the world's largest insurance and asset management groups. Comparable as the parent organization providing brand, capital, technology, and risk assessment models (GloRiA) to the Croatian subsidiary.

Regional players

• Adriatic Slovenica: Slovenian insurance company with presence in Adriatic markets. Comparable as a regional multi-line insurer with similar product offerings, though primarily operating in Slovenia rather than directly competing in Croatia.
• DDOR Novi Sad: Serbian multi-line insurance company with motor, property, and life products. Comparable as a regional multi-line insurer in a neighboring Western Balkan market with similar product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

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

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Allianz ZB