UNIQA

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.

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

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

• Vehicle insurance
• Life insurance
• Property insurance
• Pension savings
• Investment funds

Headquarters

HQ city

Bratislava

Offices4 records

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. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core 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

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• UNIQA Insurance Group AG (Vienna, Austria)coreStrategic or Co-development PartnerUNIQA 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)coreStrategic or Co-development PartnerUNIQA 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 NetworkcoreChannel Partner/ Reseller/ DistributorUNIQA 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)minorImplementation/ SI/ Consulting PartnerDebt 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)minorStrategic or Co-development PartnerUNIQA 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

Direct 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

• Xx.com/uniqa_cz_sk
• YouTubeyoutube.com/c/UNIQASlovensko
• Facebookfacebook.com/UNIQASlovensko
• LinkedInlinkedin.com/company/uniqa-poistovna-a-s
• Instagraminstagram.com/uniqa_sk

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 UNIQA