UNIQA

What UNIQA does

UNIQA Österreich Versicherungen AG is a Vienna-headquartered Austrian stock corporation (Aktiengesellschaft) and the primary operating subsidiary of publicly-listed UNIQA Insurance Group AG (Vienna Stock Exchange ticker: UQA; 99% ownership, with the remaining 1% held by Raiffeisen-Invest-Gesellschaft m.b.H.). The company traces its heritage to the 1811 founding of Salzburger Landesversicherung and today provides a comprehensive multi-line insurance, pension, and investment product portfolio to approximately 3.7 million customers in Austria, serving both private individuals (Privatkund:innen) and businesses (Firmen). Its product range spans health, motor vehicle (including electric vehicles), homeowners, household, travel, accident, legal protection, bicycle, art, and personal liability insurance, plus private pension provision (Pensionsvorsorge), and the company also operates the white-label Raiffeisen Versicherung brand.

Revenue is generated primarily through recurring insurance premiums, with policies priced via individual risk assessment and typically billed annually; UNIQA's wholly-owned subsidiaries UNIQA Health Services GmbH and UNIQA IT Services GmbH internalize health/wellness and technology capabilities, respectively. The company is supervised by the Austrian Finanzmarktaufsicht (FMA) and competes under standard Austrian insurance regulation.

Distribution is omnichannel: a physical network of 350+ regional advisory offices across Austria provides in-person consultation, complemented by 24/7 phone customer service, a digital self-service portal and mobile application (myUNIQA, available on iOS and Android), online purchase capabilities for selected products (travel, motor, household, legal protection), and a broker channel via the UNIQA MaklerService portal. Marketing reaches customers through content (corporate website, medUNIQA health blog, UNIQA podcast), email newsletters, and flagship sports sponsorships including the UNIQA ÖFB Cup title partnership with the Austrian Football Association.

Name

UNIQA

Legal name

UNIQA Österreich Versicherungen AG

Website

https://uniqa.at

Company type

Private

Founded year

1811

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

UNIQA Österreich Versicherungen AG is a Vienna-based Austrian insurer and primary subsidiary of publicly-listed UNIQA Insurance Group AG, offering multi-line insurance, pension, and investment products (health, motor, home, travel, legal, accident, art) to 3.7 million Austrian private and business customers via 350+ branches and the myUNIQA digital platform.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)

SIC

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

akta.pro primary industry

Universal Life (UL) Insurance (FSAIABAB)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Personal insurance products
• Health insurance services
• Property and casualty insurance
• Pension and retirement planning
• Motor vehicle insurance

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: UNIQA generates revenue primarily through insurance premiums from personal and commercial insurance contracts. The company offers various insurance products including health, vehicle/mobility, home, travel, pension/retirement planning, accident, legal protection, leisure, and art insurance. Premiums are paid by customers according to agreed schedules (annual or monthly payment options).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

UNIQA provides personal and commercial insurance products to Austrian consumers and businesses, including private health, motor vehicle, homeowners and household, travel, pension/retirement, accident, legal protection, bicycle, personal liability, fertility/family planning, and art insurance. Customers access these products through 350+ physical advisory locations, online self-service, and the myUNIQA portal and mobile application, with revenue generated from recurring insurance premiums.

Product overview

UNIQA is an Austrian insurance company offering a comprehensive portfolio of insurance, pension, and investment products. The core offerings include travel insurance, private health insurance, pension provision, home and household insurance, motor vehicle insurance (including electric vehicles), legal protection insurance, accident insurance, bicycle insurance, and art insurance. UNIQA operates a digital service platform through the myUNIQA portal and mobile application, providing customers 24/7 access to policy management, document access, and service requests. The company serves both private individuals (Privatkund:innen) and business clients (Firmen) across Austria, with over 350 branch locations.

Differentiator

Problem solved

Functional benefit

Brands

• myUNIQA: Customer portal and mobile app for managing insurance policies, viewing documents, and accessing services
• UNIQA Pensionsvorsorge
• UNIQA Health Services

Products and services

• Reiseversicherung (Travel Insurance) Travel insurance product providing financial protection for trip cancellations, medical emergencies, accidents, and lost baggage during travel; available online for direct purchase by individual consumers in Austria.
• Pensionsvorsorge (Pension Provision) Private supplemental pension insurance designed to provide financial security during retirement; offered to Austrian consumers seeking to actively build their future financial independence.
• Private Krankenversicherung (Private Health Insurance) Comprehensive private health insurance offering premium medical care and treatment as a private patient, tailored to every life situation for Austrian consumers.
• Eigenheimversicherung (Homeowners Insurance) Insurance coverage for residential properties including damage protection and related risks, for Austrian property owners.
• Haushaltsversicherung (Household Insurance) Insurance coverage for household contents and personal belongings within the home; available online for direct purchase by Austrian consumers.
• Kfz-Versicherung (Motor Vehicle Insurance) Vehicle insurance including coverage for e-vehicles without registration, liability, and damage protection; available online for Austrian vehicle owners.
• Privatarzt-Versicherung (Private Doctor Insurance) Insurance providing access to private medical care and specialist consultations for Austrian consumers.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal expenses insurance covering legal costs and providing legal assistance; available online for direct purchase by Austrian consumers.
• Unfallversicherung (Accident Insurance) Insurance coverage for accidents and related injuries providing financial protection for Austrian consumers.
• Fahrrad-Versicherung (Bicycle Insurance) Insurance coverage for bicycles and e-bikes against theft, damage, and other risks for Austrian consumers.
• Kunstversicherung (Art Insurance) Specialized insurance for artworks and art collections for Austrian collectors and owners.
• Privathaftpflichtversicherung (Personal Liability Insurance) Insurance coverage for personal liability claims arising from everyday life for Austrian consumers.
• Kinderwunschversicherung (Fertility/Family Planning Insurance) Insurance product related to family planning and fertility treatments for Austrian consumers.
• myUNIQA Portal & App Customer self-service portal and mobile application (iOS and Android) for managing insurance policies, viewing documents, changing bank details, and accessing UNIQA services 24/7.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core, flagship and minor.

• Raiffeisen VersicherungcoreOEM/ Whitelabel/ Licensing PartnerRaiffeisen Versicherung operates as a brand of UNIQA Österreich Versicherungen AG, extending UNIQA's insurance offerings under the Raiffeisen banking group brand identity. This white-label arrangement leverages the Raiffeisen brand in the Austrian market.
• ÖFB (Austrian Football Association)flagshipStrategic or Co-development PartnerUNIQA serves as the title sponsor of the UNIQA ÖFB Cup, Austria's premier football cup competition. This long-term sponsorship partnership provides brand visibility and association with Austrian football at national level.
• Salzburger SparkasseminorOthersCooperation in banking services; Salzburger Sparkasse merged with Erste Bank, potentially affecting customer IBANs for UNIQA policyholders who had accounts there.
• Erste BankminorOthersFollowing merger with Salzburger Sparkasse, Erste Bank integration may affect customer banking information for UNIQA policyholders.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Grazer Wechselseitige Versicherung (GRAWE): Austrian mutual insurer with 190+ year heritage. Multi-line competitor with a strong regional position in Styria and comparable product breadth to UNIQA.
• ERGO Versicherung AG: Austrian subsidiary of Munich Re's ERGO. Direct multi-line competitor across P&C, life, and health insurance targeting Austrian households and corporate customers.
• HDI Versicherung AG: Austrian subsidiary of HDI/Talanx Group. Competes in Austrian P&C and life insurance with a similar multi-line approach targeting private and SME customers.
• Zurich Insurance Austria: Austrian subsidiary of Zurich Insurance Group. Competes with UNIQA in motor, property, life, and health insurance for Austrian private and commercial segments.
• Generali Versicherung AG: Austrian arm of Generali Group. Direct multi-line competitor offering comparable products (motor, home, life, health) to Austrian households and SMEs.
• Donau Versicherung AG: Austrian insurer operating as part of VIG. Competes directly with UNIQA in Austrian multi-line insurance across personal and commercial lines.
• Vienna Insurance Group (Wiener Städtische): VIG is the leading Austrian insurance group and UNIQA's most direct domestic multi-line competitor. It underwrites similar P&C, life, and health products for Austrian private and corporate customers and shares a 200+ year Austrian heritage.
• Allianz Austria: Austrian subsidiary of global Allianz Group. Competes head-to-head with UNIQA across motor, property, life, and health insurance for private and commercial customers in Austria.
• Helvetia Versicherungen AG: Austrian operation of Swiss Helvetia Group. Multi-line insurer with similar product portfolio spanning property, motor, life, and health cover for Austrian individuals and businesses.

Broad incumbents

• UNIQA Insurance Group AG: Vienna-listed parent company (ticker: UQA) of UNIQA Österreich Versicherungen AG. Operates across Central and Eastern Europe with a broader regional portfolio than the Austrian subsidiary alone.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments5 records

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

Frequently asked questions about UNIQA