Cooperatives

What Cooperatives does

Kooperativa poisťovňa is a Slovak general insurance carrier headquartered in Bratislava, founded in 1990 and operating for 35 years as a member of Vienna Insurance Group, one of the largest insurance conglomerates in Central and Eastern Europe. The company underwrites a comprehensive multi-line insurance portfolio organized across five product pillars: auto (mandatory third-party liability PZP, comprehensive AutoMat, Auto komplet, MINI KASKO, and GAP), life and health (risk life, oncology Nádej, surgical Skoré uzdravenie, investment-linked Moja investícia and Profi invest, children's Dukátik, and group accident), property and liability (Bezstarostný domov home insurance, employer liability, professional liability, environmental liability Enviro max), travel (MARCO POLO international, Objavuj Slovensko domestic, travel-agency insolvency), and commercial insurance (Bezpečné podnikanie, Biznis MAX). The company serves more than 1.5 million clients and operates a wholly-owned pension subsidiary, Kooperativa DSS, providing supplementary pension insurance and pension fund management.

The business runs on a hybrid distribution and technology stack: a domestic Slovak branch network, a transactional online sales platform (online.koop.sk), a self-service client portal (eKooperativa), and a mobile application that is being retired in favor of consolidated digital channels. Differentiated digital features include an ERP-based digital recordkeeping system originally built for micro-enterprise financial inclusion and Kooperativa Meteo, a weather alert service that notifies policyholders ahead of extreme weather events. Revenue is generated through recurring insurance premiums across the full personal and commercial lines, priced by individual risk assessment with annual billing and promotional discounting (e.g., 35% on home, 10% on comprehensive auto), supplemented by pension-fund management fees from Kooperativa DSS. The company is a market leader in the Slovak insurance market, recognized with TREND Poisťovňa roka 2025 and first place in the TREND Largest in Business insurance ranking, and is regulated by Slovak insurance supervisors under its Vienna Insurance Group parent.

Name

Cooperatives

Legal name

Kooperativa poisťovňa, a.s.

Website

https://kooperativa.sk

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Kooperativa poisťovňa is a Bratislava-based multi-line insurance carrier and member of Vienna Insurance Group, underwriting auto, life, property, travel, and business insurance for more than 1.5 million clients across Slovakia.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

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

SIC

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

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Multi-line insurance
• Auto insurance coverage
• Life health insurance
• Property casualty insurance
• Business liability insurance

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums from policyholders for coverage across auto, life, property, travel, and business insurance categories

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Kooperativa poisťovňa is a Slovak insurance company that sells and underwrites multi-line insurance policies to individuals, households, and businesses in Slovakia. Its product portfolio spans mandatory and voluntary auto insurance (PZP, Auto komplet, MINI KASKO, AutoMat, GAP), life and health insurance (Bezstarostný život, Nádej, Skoré uzdravenie, Silencium, Vodič plus, Úrazové poistenie, investment life products), property insurance (Bezstarostný domov), liability, travel (MARCO POLO, Objavuj Slovensko), and commercial insurance for companies and tradesmen (Bezpečné podnikanie, Biznis MAX, professional liability, Enviro max), distributed through branches, online channels, a client portal, and a mobile app.

Product overview

Kooperativa poisťovňa is a Slovak insurance company and a member of Vienna Insurance Group, operating for 35 years with over 1.5 million clients. The company offers a comprehensive insurance portfolio organized across multiple product lines: auto insurance (AutoMat, PZP, Auto komplet, MINI KASKO, GAP), life and health insurance (Bezstarostný život, Nádej, Skoré uzdravenie, Silencium, Vodič plus, Úrazové poistenie, investment products Moja investícia and Profi invest, and children's insurance Dukátik), property insurance (Bezstarostný domov), liability insurance, travel insurance (MARCO POLO, Objavuj Slovensko), and business insurance (Bezpečné podnikanie, Biznis MAX, Poistenie profesijných zodpovedností, Enviro max). Products are available through online channels, branch offices, and mobile applications, with complementary assistance services.

Differentiator

Problem solved

Functional benefit

Brands

• AutoMat: Comprehensive car insurance combining collision and mandatory third-party liability insurance
• MARCO POLO
• Bezstarostný domov
• Bezstarostný život
• Nádej
• Nadácia Kooperativa

Products and services

• AutoMat Comprehensive car insurance product combining collision coverage and mandatory third-party liability (PZP) into a single policy for vehicle owners.
• PZP (Povinné zmluvné poistenie) Statutorily required third-party liability motor insurance for vehicle owners in Slovakia.
• Auto komplet Full-coverage auto insurance including collision, theft, vandalism, and natural disaster protection for motor vehicles.
• MINI KASKO Entry-level collision (casco) insurance for owners of used motor vehicles.
• GAP Financial loss insurance covering the gap between a financed vehicle's market value and the remaining loan/lease balance.
• Bezstarostný život Customizable risk life insurance product providing payouts upon specified life events such as death, disability, or critical illness.
• Nádej Oncology/cancer insurance providing a financial benefit to the insured upon a cancer diagnosis.
• Skoré uzdravenie Surgical procedure insurance paying an agreed lump sum when a covered surgical intervention is performed.
• Silencium Funeral insurance covering end-of-life and burial expenses for the insured or a family member.
• Vodič plus Insurance covering loss of the ability to drive a motor vehicle for policyholders.
• Úrazové poistenie Group accident insurance providing payouts for workplace and personal accidents affecting insured individuals.
• Moja investícia Investment-linked life insurance product combining life protection with investment fund opportunities.
• Profi invest Professional-tier investment life insurance targeting wealth-building clients with life protection embedded.
• Variant Kapitál Capital life insurance offering policyholders guaranteed financial returns combined with life cover.
• Dukátik Children's savings life insurance designed to build long-term financial security for the insured child.
• Bezstarostný domov Comprehensive home insurance covering residential real estate, household contents, third-party liability, and additional property risks.
• Zodpovednosť za škodu spôsobenú zamestnávateľovi pri výkone povolania Employer-related liability insurance protecting employees and employers against damages arising in the course of work.
• MARCO POLO Foreign travel insurance product covering medical, trip, and baggage risks for Slovak travelers going abroad.
• Objavuj Slovensko Domestic travel insurance covering risky sports, cycling assistance, and Mountain Rescue Service within Slovakia.
• Cestovné kancelárie poistené pre prípad úpadku Statutory insolvency insurance for travel agencies that protects travelers when a travel agency goes bankrupt.
• Bezpečné podnikanie Comprehensive business liability insurance packaged in a single contract for small businesses and tradesmen.
• Biznis MAX Combined business property and liability insurance for small and medium-sized enterprises in a single policy.
• Poistenie profesijných zodpovedností Statutorily-required professional liability insurance covering damages arising from the professional activities of certain regulated professions.
• Enviro max Environmental liability insurance covering damages arising from environmental incidents for commercial clients.
• Asistenčné služby Assistance services providing emergency and roadside support to insurance policyholders tied to their coverage.

Quantifiable outcome

• Over 1.5 million clients served
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• University of Waterloo Faculty of EnvironmentcoreStrategic or Co-development Partner · 1 January 2015Canadian organizations Co-operators and Farm Mutual Re have collaborated with University of Waterloo's Faculty of Environment since 2015 on the Partners for Action (P4A) initiative, focusing on climate resilience, flood preparedness, and policy development.
• Vienna Insurance GroupcoreStrategic or Co-development PartnerKooperativa is a proud member of Vienna Insurance Group, one of the major insurance groups in Central and Eastern Europe. This partnership provides access to international expertise, financial strength, and a broad network of insurance professionals across the region.
• International Labour Organization (ILO)coreStrategic or Co-development PartnerPROMISE II Impact project - ILO collaborating with Indonesia's Coordinating Ministry for Economic Affairs and Financial Services Authority (OJK) to improve financial inclusion, digital adoption, and productivity among MSMEs in three commodity sectors.
• Indonesia's Coordinating Ministry for Economic AffairscoreStrategic or Co-development PartnerGovernment partnership for PROMISE II Impact project implementing ERP-based digital recordkeeping linked to financial institutions for MSMEs in Indonesia.
• Financial Services Authority (OJK) IndonesiacoreStrategic or Co-development PartnerRegulatory partnership for PROMISE II Impact project enabling over Rp19.3 billion in working capital loans with less than 1% NPL ratio.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Vienna Insurance Group (VIG): VIG is Kooperativa's parent and one of the largest insurance groups in CEE, operating multi-line insurance in 30+ markets — comparable as the broader corporate parent whose capital allocation and strategy govern Kooperativa.
• Generali Group: Generali Group is a global multi-line insurance incumbent with deep CEE exposure through its Slovak and regional subsidiaries; comparable to Vienna Insurance Group as a broader peer shaping competitive dynamics in Slovakia.

Direct peers

• Generali Slovensko poisťovňa: Generali Slovensko is a top-three Slovak multi-line insurer, part of the Generali Group, offering life, P&C, and travel products with similar branch and digital distribution — directly comparable to Kooperativa as a group-backed domestic carrier.
• ERGO poisťovňa (Slovakia): ERGO poisťovňa is a Slovak multi-line carrier offering auto, property, life, and accident products, often through broker and digital channels — directly comparable to Kooperativa's product mix and target customers.
• NN Slovensko (formerly AXA Slovakia): NN Slovensko is a major life and pension insurer in Slovakia offering individual life, investment, and group benefits products, directly overlapping with Kooperativa's life and health insurance portfolio.
• UNIQA poisťovňa (Slovakia): UNIQA poisťovňa is a multi-line insurer in Slovakia, part of the Austrian UNIQA Group, offering auto, life, property, and travel products through comparable branch and digital channels.
• Wüstenrot poisťovňa: Wüstenrot poisťovňa is a Slovak carrier offering property, life, and household insurance with similar retail and SME customer targeting, competing in the same domestic market as Kooperativa.
• ČSOB Poisťovňa: ČSOB Poisťovňa is the bancassurance arm of ČSOB Slovakia, distributing multi-line life and P&C products through the bank's branch network — comparable to Kooperativa in product scope, with a different distribution backbone.
• MetLife Slovakia: MetLife Slovakia focuses on life, accident, and investment-linked insurance for individuals and groups, overlapping materially with Kooperativa's risk life, investment life, and group accident portfolio.
• Allianz Slovensko poisťovňa: Allianz Slovensko is one of the largest multi-line insurers in Slovakia, offering a comparable portfolio across auto, life, property, and commercial lines and competing head-to-head with Kooperativa for retail and SME customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCxZmKtjYZhCKXj109twYQvA
• Facebookfacebook.com/kooperativask
• LinkedInlinkedin.com/company/kooperativa-poistovna
• Instagraminstagram.com/kooperativa_sk
• TikToktiktok.com/@kooperativa_sk

Revenue estimate

Valuation estimate

Number of profiles

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 Cooperatives