Intersalonika Group

What Intersalonika Group does

Intersalonika Group (ΙΝΤΕΡΣΑΛΟΝΙΚΑ) is a Greek insurance and financial services conglomerate founded in 1978 and headquartered in Peraía, Thessaloniki. The group operates through multiple subsidiaries: A.E.G.A. (Anonymi Elliniki Geniki Asfalistiki — Ανώνυμη Ελληνική Γενική Ασφαλιστική) for general insurance; A.A.E. ZOIS (Anonymi Asfalistiki Etaireia Zois — Ανώνυμη Ασφαλιστική Εταιρεία Ζωής) for life and health insurance; AIR INTERSALONIKA for aviation and air transport; EMPOROTECHNIKI (ΕΜΠΟΡΟΤΕΧΝΙΚΗ) for vehicle repair, food, and energy trading; and an in-house Educational Center that has trained over 8,500 insurance intermediaries over 20 years. The group employs 501-1,000 people and is privately held.

The product portfolio spans individual lines (health, life, vehicle, home under the ESTIA brand, third-country citizen health, loan repayment, recreational vessels), business lines (SME tiers EPICHEIREIN MINI/MIDI/FULL, large enterprise, fleet, construction, marine, photovoltaic), and group schemes (employees, sports clubs, academies). Distribution combines a nationwide physical network of branches, roadside assistance stations, vehicle workshops, medical centers, and EV charging stations with digital channels including the Assist4You mobile app, a customer portal, a digital wallet, and a remote pre-inspection system. The 24/7 helpline (11555) and partnerships with medical providers (Affidea Evroatriki, Euromedica, Iatromed Athens Group, Biomedicin/Biomedigen, Platon Medical) and Alpha Bank for payments form the operational backbone.

The business model rests on underwriting premiums across P&C and life, complemented by service-fee revenue from affiliated vehicle repair and medical servicing, aviation operations, energy and food trading through EMPOROTECHNIKI, and intermediation training fees. GTM is multi-channel: licensed intermediaries, direct digital, and physical service touchpoints. The group is not a top-tier Greek insurer by premium share but is differentiated by its integrated service-ecosystem model that binds underwriting to claims infrastructure.

Name

Intersalonika Group

Legal name

ΙΝΤΕΡΣΑΛΟΝΙΚΑ Α.Ε.Γ.Α.

Website

https://intersalonica.gr

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Intersalonika Group is a Greek insurance and financial services conglomerate founded in 1978, offering general, life, and health insurance alongside aviation, vehicle repair, energy trading, and intermediary training, distributed via nationwide physical branches, service centers, and digital channels.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Finance and Insurance (52)

SIC

Insurance Carriers, Nec (6399), Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• General insurance services
• Life and health insurance
• Vehicle insurance
• Business insurance packages
• Roadside assistance services

Headquarters

HQ city

Peraía

HQ country

Greece

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels5 records

Marketing channels4 records

Core offering

Intersalonika Group is a Greek insurance conglomerate providing general, life, health, vehicle, home, and business insurance products through two main insurance entities (INTERSALONIKA A.E.G.A. for general insurance and INTERSALONIKA A.A.E. ZOIS for life and health). The group also operates 24/7 roadside and medical assistance, an educational center for insurance intermediaries, and ancillary services such as vehicle repair and aviation transport via its subsidiaries.

Product overview

Intersalonika Group is a Greek insurance group offering a comprehensive multi-brand insurance product portfolio. The company operates through two main insurance entities: INTERSALONIKA A.E.G.A. (general insurance including auto and property) and INTERSALONIKA A.A.E. ZOIS (life and health insurance). The product portfolio includes: (1) Individual insurance products spanning health, life, vehicle, and home coverage with branded sub-products like ESTIA (home insurance with MINI/MIDI/FULL/LITE tiers), Νοιάζομαι (family protection), and personal accident; (2) Business insurance solutions including EPICHEIREIN (SME packages with three tiers) and specialized large enterprise/industrial coverage; (3) Group insurance for corporate employees, sports clubs, and academies; (4) Value-added digital services including the Assist4You mobile app, customer portal, digital wallet, and 24/7 assistance system; (5) Ancillary services such as vehicle repair shops, medical centers, roadside assistance networks, and an educational center for insurance professional training.

Differentiator

Problem solved

Functional benefit

Brands

• Assist4You: Mobile application providing digital services including policy management, roadside assistance requests, accident care, payments, customer wallet, pre-insurance checks, expert appointments, and damage estimates.
• ESTIA
• ΕΠΙΧΕΙΡΕΙΝ
• Νοιάζομαι

Products and services

• Health Insurance (Υγεία) Health insurance products for individuals and families, including children's health, lifetime coverage, health protection, and extended hospital and medical care benefits.
• Life Insurance (Ζωή) Life insurance products for individuals including family protection (Νοιάζομαι), lifetime, temporary, and mixed insurance, supplementary cover, pension plans, and personal accident coverage.
• Vehicle Insurance (Όχημα) Vehicle insurance covering passenger cars, trucks, agricultural vehicles, motorcycles, tractors, construction equipment, rental vehicles, taxis, and fleet vehicles, including roadside assistance.
• ESTIA Home Insurance Home/residential property insurance line branded ESTIA, offered in tiers (ESTIA, ESTIA MINI, ESTIA MIDI, ESTIA FULL, A LITE) for varying levels of residential coverage.
• Health Insurance for Third-Country Citizens (Ασφαλίσεις Υγείας Πολιτών Τρίτων Χωρών) Health insurance for citizens of third countries, addressing the medical coverage needs of non-EU residents.
• Loan Repayment Insurance (Αποπληρωμή Δανείου) Insurance product that covers the repayment of outstanding loans in case of insured events for individual borrowers.
• Recreational Vessel Insurance (Σκάφος Αναψυχής) Insurance for recreational boats and vessels, offering civil liability cover and combined civil liability and own-damage cover.
• Photovoltaic Insurance for Individuals (Φωτοβολταϊκά) Personal insurance cover for privately owned photovoltaic/solar panel installations.
• Personal Civil Liability Insurance (Αστική Ευθύνη Ιδιωτών) Personal civil liability insurance covering third-party liability exposures for individuals.
• EPICHEIREIN SME Business Insurance (ΕΠΙΧΕΙΡΕΙΝ) Packaged business insurance for small and medium enterprises offered in three tiers (ΕΠΙΧΕΙΡΕΙΝ MINI, ΕΠΙΧΕΙΡΕΙΝ MIDI, ΕΠΙΧΕΙΡΕΙΝ FULL) covering general business risks.
• Large Enterprise & Industry Insurance (Μεγάλες Επιχειρήσεις & Βιομηχανία) Comprehensive insurance solutions for large enterprises and industrial clients, including manufacturing facilities and hotels.
• Vehicle Fleet Insurance (Στόλος Οχημάτων) Insurance cover for corporate vehicle fleets, addressing the multi-vehicle coverage needs of business customers.
• Construction Project Insurance (Κατασκευαστικά Έργα) Insurance cover for construction projects, addressing contractor and project-related risks.
• Business Civil Liability Insurance (Αστική Ευθύνη Επιχειρήσεων) Civil liability insurance tailored for businesses, covering third-party liability exposures.
• Marine Vessel Insurance for Businesses (Θαλάσσια Σκάφη) Insurance for marine vessels operated by businesses, covering marine-related risks.
• Photovoltaic Insurance for Businesses (Φωτοβολταϊκά) Insurance cover for commercial-scale photovoltaic/solar panel installations operated by businesses.
• Group Insurance (Ομαδικά) Group insurance schemes covering business employees, sports clubs, and sports academies for collective life, health, and personal accident coverage.
• 24/7 Help System (Σύστημα Βοήθειας) Round-the-clock integrated assistance service for policyholders, including roadside help, medical aid, and a 24/7 helpline (11555).
• Educational Center 'Dimitrios Varsamis' Certification Seminars Certified training and continuous professional development seminars for insurance intermediaries, delivered by the group's Educational Center 'Dimitrios Varsamis', operating for 20 years with over 8,500 trainees.

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Affidea EvroatrikicoreOthersNetwork of diagnostic centers and medical facilities providing health services to Intersalonika policyholders. Multiple locations including Athens, Thessaloniki, and other regions.
• EuromedicacoreOthersPrivate diagnostic centers and clinics network (Euromedica General Clinic, Kyanos Stavros, Theotokos, Larissa Diagnostic Center, Galinos Trikala) serving policyholders across Greece
• Iatromed Athens GroupcoreOthersMedical centers group with multiple locations (Marousi, Faliro, Psychiko, Peristeri) providing diagnostic and medical services to insured customers
• Biomedicin / BiomedigenminorOthersBiomedical laboratories providing diagnostic testing services at multiple locations including Athens and Heraklion
• Platon MedicalminorOthersDiagnostic and medical services provider with locations in Pylaia and Glyfada areas

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Ethniki Asfalistiki (National Insurance): Greece's largest multi-line insurer, also offering general, life, and health coverage to individuals and businesses nationwide. Most direct strategic comparable given overlapping product breadth and Greek-only geographic footprint.
• NN Hellas: Greek life and health insurance carrier (formerly ING). Comparable as a multi-line life and health specialist serving individuals and employer groups within the Greek market.
• Interamerican: Major Greek multi-line insurer offering motor, home, health, and life products with a strong digital channel (Anytime). Closest peer in product mix, distribution model, and customer segmentation.
• Allianz Greece: Greek subsidiary of Allianz SE underwriting general, life, and health insurance. Comparable in international best-practice underwriting and corporate/enterprise product offerings.
• Generali Hellas: Greek arm of the Generali Group offering general and life insurance to individuals and businesses. Comparable in multi-line product architecture and reliance on a tied-agent distribution model.
• MetLife Greece: Greek life and health insurance operation of MetLife. Comparable in individual and group life/health focus, including pension and savings products aligned with Intersalonika's A.A.E. ZOIS subsidiary.
• ERGO Hellas: Greek subsidiary of ERGO Group, providing general and life insurance with a strong motor and property focus. Comparable in product mix and broker-led distribution strategy.
• AXA Hellas: Greek arm of AXA offering general, life, and health insurance to retail and commercial customers. Comparable in multi-line breadth and reliance on both tied and broker channels.

Emerging players

• Anytime (by Interamerican): Digital-first Greek insurance brand of Interamerican. Comparable as a benchmark for the digital self-service and instant-bind direction Intersalonika is pursuing with Assist4You.

Regional players

• AIGAION Insurance: Smaller Greek general insurance carrier with a Northern Greece regional focus. Comparable as a mid-tier Greek private competitor with overlapping geographic exposure in the Thessaloniki and Macedonia markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/intersalonica
• LinkedInlinkedin.com/company/intersalonica

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Intersalonika Group