UNIQA
UNIQA is the Slovak branch of UNIQA pojišťovna, a.s. (UNIQA Insurance Group AG), offering multi-line insurance, pension fund management (2nd largest Pillar II manager in Slovakia), and investment funds to individuals, SMEs, large corporations, and specialized organizations across Slovakia.
- Company typePrivate
- Founded1990
- HeadquartersBratislava
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What UNIQA does
UNIQA is the Slovak branch of UNIQA pojišťovna, a.s., a Czech-registered insurance company wholly owned by UNIQA Insurance Group AG (Vienna, Austria), one of the largest insurance groups in Central and Eastern Europe serving more than 17 million customers across 14 countries. The Slovak entity operates a multi-line insurance and financial services platform spanning personal lines (compulsory vehicle liability PZP, comprehensive KASKO, travel insurance, property and household insurance, life insurance, accident insurance), corporate lines (SME packages, industrial risks, environmental liability, large fleet and professional liability), pension fund management (UNIQA d.s.s. for Pillar II and UNIQA d.d.s. for Pillar III — UNIQA d.s.s. is the 2nd largest pension savings manager in Slovakia), investment fund management (UNIQA investiční společnost) offering bond, equity, balanced, real estate, thematic, and emerging-market funds, and regular investment programs (Tempo, Generation X). Revenue is generated through insurance premiums collected on recurring billing cycles, pension fund management fees, and investment fund management fees on assets under management.
The underlying technology stack centers on a digital insurance platform comprising the moja UNIQA client portal (moja.uniqa.sk) for self-service policy and pension management, online calculators for direct purchase of vehicle, travel, and property insurance with discounts up to 57%, an e-communication system (ekomunikacia.uniqa.sk), an e-filing system (epodatelna.uniqa.sk), an online payment gateway (platba.uniqa.sk), and a 24/7 online claims reporting portal (skody.uniqa.sk). The company uses automated data processing including customer profiling for risk assessment, premium calculation, and bonus determination, alongside anomaly detection for fraud prevention. The Dr. Digital health assistance application and Diagnose.me medical consultation services are integrated into life insurance products as value-added ecosystem services.
The go-to-market model is hybrid: physical branches and a network of internal tied agents and external independent financial intermediaries handle complex advisory products (life insurance, pensions, corporate), while online channels drive direct acquisition for standardized products (PZP, KASKO, travel, property). Pricing is subscription-based and individually calculated, with online purchase discounts of up to 57% on vehicle insurance, 20% on travel and property, and 50% on liability coverage within bundled products. UNIQA holds 101-250 employees in Slovakia and serves retail consumers, SMEs, large corporations, and specialized organizations (travel agencies, schools, municipalities, sports organizations), with the Slovak operations part of a broader group structure that includes UNIQA Management Services, s.r.o. as a shared services entity and UNIQA Group's network of international reinsurance partners.
UNIQA firmographics
Firmographics- Name
- UNIQA
- Legal name
- UNIQA pojišťovna, a.s.
- Website
- https://www.uniqa.sk/
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- UNIQA is the Slovak branch of UNIQA pojišťovna, a.s. (UNIQA Insurance Group AG), offering multi-line insurance, pension fund management (2nd largest Pillar II manager in Slovakia), and investment funds to individuals, SMEs, large corporations, and specialized organizations across Slovakia.
- Ownership category
- akta.pro rank
UNIQA industry classification
Industry- Product category
- Multi-line Insurance Services
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940), Open-End Investment Funds (52591)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Universal Life (UL) Insurance (FSAIABAB)
- akta.pro secondary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
Keywords
Where UNIQA is headquartered
LocationHeadquarters
- HQ city
- Bratislava
Offices4 records
Markets served
UNIQA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: UNIQA generates revenue primarily through insurance premiums collected from policyholders across multiple insurance lines including vehicle insurance (PZP, KASKO), travel insurance, property insurance (homeowners, renters), life insurance (investment and risk), accident insurance, and business insurance (industrial risks, liability, environmental damage). Premiums are collected on a recurring (annual/semiannual/monthly) basis.
- Pension Fund Management Fees (II. and III. Pillar): UNIQA operates pension fund management (UNIQA d.s.s., a.s. for II. pillar and UNIQA d.d.s., a.s. for III. pillar) and generates revenue through fund management fees charged to savers' accounts. The management fee rate was updated as of 2023.
- Investment Fund Management (UNIQA investiční společnost): UNIQA manages multiple investment funds (bond funds, equity funds, balanced funds, real estate funds, thematic funds) and earns management fees from investors. Funds include UNIQA Eurobond, UNIQA CEE Dluhopisový, UNIQA CEE Akciový, UNIQA Selection Global Equity, UNIQA Selection Emerging Equity, UNIQA Realitní, UNIQA Future Trends, UNIQA Small Cap Portfolio, UNIQA EUR Konto.
- Regular Investment Program Management (Tempo, Generation X, Progress+): UNIQA offers regular investment programs where funds are managed and fees are charged based on assets under management. Programs include Tempo and Generation X, with Progress+ sales terminated as of 30.9.2025.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Vehicle insurance (PZP + KASKO) with online discounts up to 57% |
| Subscription | Pay-as-you-go | Travel insurance from 1.04 EUR/day with 20% family discount |
| Subscription | Annual | Property insurance (home + contents) with up to 50% + 20% online discount |
| Subscription | Pay-as-you-go | Accident insurance from 1.20 EUR/day |
| Subscription | Monthly | Generation X regular investment program starting from 25 EUR/month minimum 5 years |
| Subscription | Annual | Employee liability insurance for various types of employment |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels7 records
UNIQA product offering
Product offeringCore offering
UNIQA is a multi-line insurance and financial services provider operating in Slovakia, offering personal lines insurance (PZP, KASKO, travel, property, life, accident), corporate insurance for SMEs and large enterprises (industrial risks, environmental liability, professional liability), pension fund management under Pillar II and Pillar III, and a suite of investment funds and regular investment programs. Distribution combines a physical branch network, internal tied agents and external independent intermediaries, direct online sales, and a self-service client portal (moja.uniqa.sk).
Product overview
UNIQA is a multi-line insurance and financial services company operating in Slovakia as a branch of UNIQA pojišťovna, a.s. (Czech Republic), with subsidiaries for investment management and pension savings. Its product portfolio is organized into three main pillars: (1) Personal Insurance covering vehicles (PZP compulsory and KASKO comprehensive), travel insurance, property and household insurance, life and accident insurance; (2) Investment & Savings encompassing regular investment programs (Tempo, Generation X), a full suite of investment funds (equity, bond, real estate, thematic, and emerging/global market funds), and pension savings across both mandatory Pillar II and voluntary Pillar III; and (3) Business & Corporate Insurance serving SMEs and large enterprises with industrial risks, environmental liability, and professional liability coverage. Digital self-service is delivered through the moja UNIQA client portal, E-podateľňa electronic document submission, online claims reporting, and online premium payment. UNIQA holds market leadership positions in life insurance (Život & radosť) and Pillar II pension savings, consistently recognized at Zlatá minca awards. The company leverages automated data processing including profiling for risk assessment and premium pricing.
Differentiator
Problem solved
Functional benefit
Products and services
- Povinné zmluvné poistenie (PZP) - Compulsory Third-Party Vehicle Liability Insurance
Quantifiable outcome
- UNIQA is the leader in life insurance quality in Slovakia according to Scott & Rose/Finparáda analysis
- +4 more outcomes
Companies that use UNIQA
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
UNIQA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability7 records
Feature5 records
UNIQA partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- UNIQA Insurance Group AG (Vienna, Austria)coreUNIQA Insurance Group AG (Untere Donaustrasse 21, A-1029 Vienna, Austria) is the parent company of UNIQA pojišťovna, a.s. and other UNIQA group entities. The parent company receives personal data from subsidiaries for the purpose of product and service optimization and economic management of the entire UNIQA financial group.
- Reinsurers (UNIQA Re AG, UNIQA Versicherung AG, UNIQA Österreich Versicherungen AG, AXA Corporate Solutions, AIG, Gothaer, Swiss Re, Chubb, Lloyd's)coreUNIQA uses reinsurance partners including UNIQA Re AG (Zurich), UNIQA Versicherung AG (Liechtenstein), UNIQA Österreich Versicherungen AG (Vienna), and international reinsurers including AXA Corporate Solutions, AIG, Gothaer, Swiss Re, Chubb, and Lloyd's for risk reinsurance purposes.
- Insurance Intermediaries NetworkcoreUNIQA uses a network of internal tied financial agents and external independent financial advisors for distributing insurance products and providing client advisory services.
- Collection Agencies (EOS KSI Slovensko, M.B.A. Financie, AVUS International)minorDebt collection partners for receivables and regression claims: EOS KSI Slovensko, s.r.o., M.B.A. Financie, s.r.o., AVUS International, spol. s r.o.
- Slovak Insurance Association (Slovenská asociácia poisťovní)minorUNIQA participates in the Slovak Insurance Association for industry collaboration, fraud prevention, and regulatory engagement with other Slovak insurance companies.
Scale indicators14 records
Recent moves6 records
Expansion highlights6 records
UNIQA competitors and assessment
Company assessmentDirect peers
- Allianz — Slovenská poisťovňa: Allianz's Slovak subsidiary offers a comparable multi-line portfolio (motor PZP/KASKO, property, life, pension, investment funds) competing directly across all of UNIQA's retail and SME segments.
- Generali Poisťovňa: Generali's Slovak operation provides motor, property, life, and accident insurance plus pension and investment products, making it one of the closest multi-line competitors to UNIQA in Slovakia.
- Kooperativa poisťovňa: Kooperativa is a long-established Slovak multi-line insurer (part of Vienna Insurance Group) competing directly with UNIQA across PZP, property, life, and commercial lines.
- NN Životná poisťovňa: NN is a major life and pension provider in Slovakia, directly competing with UNIQA in life insurance quality rankings, II/III pillar pension savings, and investment-linked life products.
- ČSOB Poisťovňa: ČSOB's insurance arm offers life and non-life products distributed via the ČSOB bank channel, competing with UNIQA in bancassurance-linked life, accident, and pension offerings.
- Wüstenrot — Slovenská sporiteľňa/poisťovňa: Wüstenrot operates in Slovak life insurance and building savings, competing with UNIQA's life and pension products in retail long-term savings and mortgage-linked insurance.
Regional players
- AXA (Czech/Slovak operations): AXA has historical Slovak market presence and provides assistance services to UNIQA; its product overlap (motor, property, life) and shared regional positioning make it a relevant peer for cross-border benchmarking.
- MetLife Central Europe: MetLife operates in Slovakia focused on life insurance and group benefits, overlapping with UNIQA's life, accident, and group insurance product lines.
Broad incumbents
- AIG (Central Europe): AIG is one of UNIQA's named reinsurance partners and a global insurance incumbent with overlapping commercial/industrial risk capabilities relevant to UNIQA's large-enterprise segment.
- UNIQA Insurance Group AG (parent): The Austrian parent operates across 14 CEE countries and is the broader incumbent peer for portfolio benchmarking, capital strength, and cross-border corporate risk underwriting that the Slovak branch can access.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
UNIQA social profiles
Digital presenceUNIQA financial estimates
Financial estimateRevenue estimate
Valuation estimate
UNIQA leadership team
Management profileNumber of profiles
UNIQA subsidiaries and ownership
Company hierarchySubsidiaries4 records
UNIQA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UNIQA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UNIQA
What does UNIQA do?
UNIQA is a multi-line insurance and financial services provider operating in Slovakia, offering personal lines insurance (PZP, KASKO, travel, property, life, accident), corporate insurance for SMEs and large enterprises (industrial risks, environmental liability, professional liability), pension fund management under Pillar II and Pillar III, and a suite of investment funds and regular investment programs. Distribution combines a physical branch network, internal tied agents and external independent intermediaries, direct online sales, and a self-service client portal (moja.uniqa.sk).
Is UNIQA a public or private company?
UNIQA is a private company. It is classified as corporate owned and is currently operating.
When was UNIQA founded?
UNIQA was founded in 1990. It employs 101 to 250 people.
Where is UNIQA based?
UNIQA is headquartered in Bratislava.
How does UNIQA make money?
Four revenue lines are on record. Insurance Premiums are the primary driver. The others are pension Fund Management Fees (II. and III. Pillar), investment Fund Management (UNIQA investiční společnost) and regular Investment Program Management (Tempo, Generation X, Progress+).
Who are UNIQA's main competitors?
Direct peers on record are Allianz — Slovenská poisťovňa, Generali Poisťovňa, Kooperativa poisťovňa, NN Životná poisťovňa, ČSOB Poisťovňa and Wüstenrot — Slovenská sporiteľňa/poisťovňa. Regional players are AXA (Czech/Slovak operations) and MetLife Central Europe. Broad incumbents are AIG (Central Europe) and UNIQA Insurance Group AG (parent).
Does UNIQA have an API?
No public API is recorded for UNIQA.
What industry is UNIQA in?
UNIQA's product category is Multi-line Insurance Services. Its primary akta.pro industry code is FSAIABAB, Universal Life (UL) Insurance, with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 52411 and its SIC code is 6311.