Triglav Osiguranje d.d.

What Triglav Osiguranje d.d. does

Triglav Osiguranje d.d. is a licensed insurance company headquartered in Sarajevo, Bosnia and Herzegovina, operating as a wholly-owned subsidiary of Triglav Group (Grupa Triglav), the largest insurance group in Slovenia and a leading insurer in the Adria region. The company offers a comprehensive portfolio of insurance products organized into six core categories: vehicle insurance (mandatory auto liability, comprehensive kasko, collision, glass breakage, driver coverage, roadside assistance, legal protection, bonus protection), home insurance (apartment packages, individual home, house coverage), life insurance (term life, credit life, mixed life with savings, scholarship), voluntary health insurance (outpatient treatment, surgery and serious illness, post-accident rehabilitation), travel and tourist insurance, and accident insurance (children, family members, athletes). The product set extends to specialty lines including watercraft and aircraft insurance, indicating a full-spectrum carrier rather than a niche player.

The company operates a hybrid distribution model combining digital self-service through its webshop (webshop.triglav.ba) with traditional channels including physical branch offices across Bosnia and Herzegovina, an agent/representative visit-on-demand service ordered via the website, and 24-hour assistance centers with dedicated domestic and international phone lines. Technology infrastructure includes an online contracting platform with 15% online discount for travel health insurance, a Health Point (Zdravstvena tačka) scheduling system integrated with partner healthcare institutions, and a "25% savings on medical services" benefit for health insurance policyholders. The platform enables direct online contracting for travel health, apartment, and voluntary health insurance products.

Revenue is generated through recurring insurance premiums across P&C, life, health, and travel lines, with pricing structured around unit-based metrics: engine power for vehicle insurance, square meters for apartment packages, and coverage amounts for life and health products. The customer base is predominantly individual consumers (stanovništvo) with a secondary business segment (kompanije), using a horizontal segmentation approach. The company is structured as a joint-stock company (dioničko društvo) under Bosnian corporate law, with no public listing, no disclosed revenue figures, and no funding rounds—it operates as a strategic operating subsidiary of the parent group rather than an independent capital-raising entity.

Name

Triglav Osiguranje d.d.

Legal name

Triglav Osiguranje d.d.

Website

https://triglav.ba

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Triglav Osiguranje d.d. is a Sarajevo-based insurance company licensed in Bosnia and Herzegovina, offering vehicle, home, life, health, travel, and accident insurance products to individual consumers and businesses through online, branch, and agent channels, as a subsidiary of Slovenia's Triglav Group.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113)

SIC

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

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC), Travel AD&D / Common Carrier Accidental Death Insurance (FSAIALAD)

Keywords

• Insurance services
• Motor vehicle insurance
• Home insurance
• Life insurance
• Voluntary health insurance

Headquarters

HQ city

Sarajevo

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Collection of insurance premiums for vehicle, home, and property coverage including auto liability, comprehensive auto, apartment packages, and accident insurance. Revenue is recurring through annual or multi-year policy renewals.
2. Life Insurance Premiums: Premiums from life insurance products including risk life insurance, credit user life insurance, mixed life insurance with savings component, and scholarship insurance for dependents.
3. Health Insurance Premiums: Voluntary health insurance premiums covering outpatient treatment, surgical procedures, serious illnesses, and rehabilitation services. Offered as individual, family, or employer collective policies.
4. Travel Insurance Premiums: Short-term travel health and tourist insurance for leisure and business travel abroad, including coverage for study and work abroad.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Triglav Osiguranje d.d. is an insurance company that underwrites and distributes a full portfolio of personal and commercial insurance products in Bosnia and Herzegovina, including vehicle, home, life, voluntary health, accident, and travel insurance. Policies are sold through a hybrid channel of online webshop, branch offices, and agent visits, with 24-hour assistance services and ancillary coverages such as roadside assistance, legal protection, and bonus protection.

Product overview

Triglav Osiguranje d.d. is an insurance company offering a comprehensive portfolio of insurance products organized into six main categories: Vehicle Insurance (automobiles, water vessels, aircraft), Home Insurance (apartment packages, individual home coverage), Life Insurance (term life, credit life, mixed life, scholarship), Health Insurance (voluntary health, operations and serious illness), Travel/Recreation Insurance (travel health, tourist), and Accident Insurance (children, family members, athletes). The product portfolio includes core mandatory/voluntary insurance products supplemented by add-on modules such as glass breakage, roadside assistance, legal protection, bonus protection, and home assistance services. The company operates an online web shop platform (webshop.triglav.ba) enabling customers to purchase and renew policies digitally.

Differentiator

Problem solved

Functional benefit

Products and services

• Osiguranje automobilske odgovornosti (Auto Liability Insurance) Mandatory third-party liability insurance for motor vehicles covering damages caused to third parties; targeted at vehicle owners in Bosnia and Herzegovina.
• Kasko osiguranje automobila (Comprehensive Auto Insurance) Comprehensive vehicle insurance covering damage to the insured vehicle itself; targeted at vehicle owners seeking broader coverage than mandatory liability.
• Kasko sudar / Kasko sudar PLUS (Collision Insurance) Collision insurance covering damages from collisions with known vehicles, with PLUS variant adding hail, storm, lightning, flood, and theft; coverage limits from 2,000 to 10,000 KM, with 20% surcharge for Volkswagen and Škoda vehicles.
• Lom stakla (Glass Breakage Insurance) Insurance covering standard installed glass in motor vehicles; premiums range from 12.00 KM (up to 44 KW) to 105.00 KM (over 111 KW engine power).
• Osiguranje vozača – AO plus (Driver Insurance AO plus) Driver insurance providing additional coverage for the policyholder driver beyond mandatory auto liability.
• Osiguranje automobilske asistencije (24-Hour Roadside Assistance) 24-hour roadside assistance for vehicles including towing, repair, and emergency support across domestic and international destinations.
• Osiguranje od posljedica nezgode za vozača i putnike (Driver and Passenger Accident Insurance) Accident insurance covering death and permanent disability for the driver and passengers of the insured vehicle.
• Pravna zaštita (Legal Protection Insurance) Legal protection insurance covering legal costs related to vehicle use.
• Zaštita bonusa (Bonus Protection Insurance) Insurance preventing premium class demotion due to one claim; passenger vehicles 7.50-10.00 KM and cargo vehicles 30.00-125.00 KM based on load capacity.
• Liječenje nakon saobraćajne nezgode (Treatment After Traffic Accident) Coverage for medical treatment and rehabilitation following traffic accident injuries.
• Osiguranje vodenih plovila (Watercraft Insurance) Insurance for water vessels including owner/operator liability coverage and comprehensive kasko coverage.
• Osiguranje zrakoplova (Aircraft Insurance) Insurance for aircraft including third-party liability coverage and hull (kasko) coverage.
• Paketno osiguranje stana (Apartment Package Insurance) Comprehensive home/apartment insurance package covering structure, contents, liability, glass breakage, and home assistance; priced at 1.92 KM per square meter annually with up to 3 assistance calls per year.
• Pojedinačna osiguranja za dom (Individual Home Insurance) Individual home insurance products for specific coverage needs including house insurance and tailored property coverage.
• Riziko životno osiguranje (Term Life Insurance) Term life insurance providing financial security for family members in case of death of the insured.
• Životno osiguranje korisnika kredita (Credit Life Insurance) Life insurance covering loan repayment in case of death, critical illness, or disability of the borrower; targeted at retail credit users.
• Mješovito životno osiguranje (Mixed Life and Savings Insurance) Combined long-term life protection with a savings component, enabling policyholders to build capital while covered.
• Stipendijsko osiguranje (Scholarship Insurance) Insurance ensuring payment of scholarship benefits to dependents during specified life periods.
• Dobrovoljno zdravstveno osiguranje (Voluntary Health Insurance) Voluntary health insurance providing outpatient treatment, surgical procedures, and post-traffic-accident treatment; available as individual, family, or employer collective policies with up to 25% savings on medical services at partner institutions.
• Osiguranje operacija i težih bolesti (Surgery and Serious Illness Insurance) Health insurance covering surgical interventions and treatment of serious illnesses as part of the voluntary health offering.
• Putničko zdravstveno osiguranje (Travel Health Insurance) Travel health insurance for tourist and business trips, or stay abroad for study or work; available with 15% online contracting discount via the webshop.
• Turističko osiguranje (Tourist Insurance) Tourist insurance including travel health coverage plus additional benefits for carefree travel.
• Nezgoda za djecu i omladinu (Accident Insurance for Children and Youth) Accident insurance specifically designed for children and youth, covering death and disability benefits.
• Nezgoda za članove porodice (Family Accident Insurance) Family accident insurance covering all family members with death benefits from 5,000-20,000 KM and permanent disability coverage from 10,000-40,000 KM; ages from birth to 75.
• Nezgoda za sportiste (Athlete Accident Insurance)

Quantifiable outcome

• Up to 25% savings on medical services with health insurance policy compared to regular prices
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Triglav GroupcoreStrategic or Co-development PartnerAs the Bosnian subsidiary of Triglav Group (Slovenia), Triglav Osiguranje d.d. benefits from the parent company's brand, financial strength, and regional insurance expertise. The Triglav Group is the largest insurance company in Slovenia and a leading insurer in the Adria region.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Triglav Group (Zavarovalnica Triglav): Slovenian parent group and largest insurer in the Adria region, operating across multiple Western Balkan markets. Directly comparable as the parent company and as a regional benchmark for product and capital strategy.

Direct peers

• Sarajevo osiguranje: Historic Bosnian insurer offering auto, property, and life insurance. Competes head-to-head with Triglav BiH across retail and small-business segments.
• Euroherc osiguranje: Domestic Bosnian insurer providing motor, property, and personal lines. Directly comparable in product mix and target market to Triglav Osiguranje d.d.
• UNIQA osiguranje (BiH): Subsidiary of Austrian UNIQA Group operating in BiH with multi-line insurance offerings. Directly competes with Triglav as part of a pan-regional European insurance group.
• ASA osiguranje: Bosnian insurer from the ASA Group, providing motor, property, and personal insurance products. Direct BiH-market competitor with similar target customer segments.
• Adriatic osiguranje: One of the largest domestic insurance companies in Bosnia and Herzegovina, offering a comparable multi-line portfolio (auto, home, life, health). Direct competitor to Triglav in the BiH market with similar agent-based distribution.
• Wiener osiguranje (VIG): Bosnian subsidiary of Vienna Insurance Group, one of the largest insurance groups in CEE. Competes with Triglav in motor, property, and life insurance across BiH.
• Grawe osiguranje (BiH): Austrian-owned insurer with Bosnian operations, focused on life and non-life insurance. Comparable multi-line offering and similar group-backed structure.

Regional players

• DDOR Novi Sad: Leading Serbian insurer with motor, property, and life lines. Comparable regional peer operating in an adjacent Western Balkan market with similar product structure and customer base.
• Croatia osiguranje: Largest insurer in Croatia, with operations across the Adria region. Comparable as a regional multi-line insurer serving a neighboring Western Balkan market with similar product and distribution models.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/triglav-osiguranje-d-d-sarajevo

Revenue estimate

Valuation estimate

Number of profiles

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 Triglav Osiguranje d.d.