TU ZDROWIE SA
TU Zdrowie SA is a Polish health insurer serving employers, employees, individuals, and families through group and individual policies, occupational medicine, coordinated health programs, and digital self-service portals supported by telemedicine and pharmacy integrations.
- Company typePrivate
- Founded2010
- HeadquartersGdynia, Woj. Pomorskie, Poland
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What TU ZDROWIE SA does
TU Zdrowie SA is a Poland-based health insurer founded in 2010 that serves employers, employees, individuals, and families. Its product architecture centers on group and individual Polisa Zdrowie coverage, the individual Polisa Telerefundacyjna, occupational medicine, hospital protection, and coordinated programs for oncology, dietetics, orthopedics, post-COVID recovery, road-accident treatment, and post-hospital care. Specialized offerings also include Program Leśnik for forestry workers and offshore medical services for LOTOS Petrobaltic.
Revenue is driven primarily by recurring health-insurance premiums, with quote-based employer pricing per employee per month and annual billing; supplements include occupational medicine services, health programs, and program administration for other insurers. TU Zdrowie sells directly to SMEs and large corporations, while brokers and multi-agents account for about 70% of the portfolio. Individuals and families can buy direct coverage and use the Insured Panel, mobile application, telemedicine, and Apteline.pl medicine-ordering integration.
Service delivery combines the Insured and Employer Panels, occupational medicine workflows, HeyDoc and HeyCzeker telemedicine tools, and IGA, an Asseco-built AI voice assistant available 24/7. TU Zdrowie reports around 300,000 insured individuals, 98% contract renewal, and more than 212 million PLN of 2025 sales revenue, up 10.4% year over year. NEUCA S.A. held 97.10% ownership as of April 2025, and TU Zdrowie completed its merger with former parent Pomerania Investment S.A. in November 2024.
TU ZDROWIE SA firmographics
Firmographics- Name
- TU ZDROWIE SA
- Legal name
- TU ZDROWIE S.A.
- Website
- https://tuzdrowie.pl
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- TU Zdrowie SA is a Polish health insurer serving employers, employees, individuals, and families through group and individual policies, occupational medicine, coordinated health programs, and digital self-service portals supported by telemedicine and pharmacy integrations.
- Ownership category
- akta.pro rank
TU ZDROWIE SA industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
Keywords
Where TU ZDROWIE SA is headquartered
LocationHeadquarters
- HQ city
- Gdynia, Woj. Pomorskie
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
TU ZDROWIE SA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Health Insurance Premiums: Subscription-based health insurance premiums charged to employers for employee coverage and to individuals for family/personal policies. Revenue from insurance premiums constitutes the primary revenue stream, with 2025 sales revenues exceeding 212 million PLN.
- Health Programs: Supplementary health programs offered to insured individuals including Mój Onkolog, Mój Dietetyk, Mój Ortopeda, and other specialized programs. Programs provide coordinated care pathways for specific health conditions.
- Occupational Medicine Services: Workplace health services including mandatory occupational health examinations, preventive examinations, and related medical services for employers.
- Health Programs for Other Insurance Companies: TU Zdrowie implements health programs for other insurance companies, generating additional revenue streams through program administration and coordination.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Per seat | Annual | Polisa Zdrowie for SMEs and Large Enterprises |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
TU ZDROWIE SA product offering
Product offeringCore offering
TU Zdrowie SA is a Polish joint-stock insurance company specializing exclusively in private health insurance and employee medical packages. It sells individual and group health insurance policies under the Polisa Zdrowie brand, supplemented by specialized health programs (oncology, orthopedics, dietetics, post-COVID, post-accident), occupational medicine services, a digital self-service portal (Panel Ubezpieczonego), an employer HR portal (Panel Ubezpieczającego), and an AI voicebot (IGA). Coverage spans primary care, specialists, diagnostics, hospitalization, rehabilitation, and pharmacy access.
Product overview
TU ZDROWIE SA is a specialized Polish health insurer offering a platform-plus-modules product architecture centered on core health insurance policies supplemented by health programs, self-service portals, and AI-powered service tools. The core individual products are Polisa Zdrowie (individual) and Polisa Telerefundacyjna, while the core group product is Polisa Zdrowie (group), complemented by Polisa Świat Zdrowia with adaptive prevention features. Add-on modules include occupational medicine (Medycyna Pracy), hospital protection (Ochrona Szpitalna), pharmacy coverage (Polisa Lekowa), enhanced options (Polisa Optima), Druga Opinia Medyczna (Second Medical Opinion via MediGuide), and the specialized Program Leśnik for forestry workers. The health programs suite includes Mój Onkolog, Mój Dietetyk, Mój Ortopeda, Post-COVID Recovery, Post-Accident Treatment, and Hospital Continuation programs. Service delivery is supported by the Panel Ubezpieczonego self-service portal/mobile app, the Panel Ubezpieczającego HR administration platform, the IGA voicebot by Asseco, and integrations with Apteline.pl (medicine ordering), HeyDoc, and HeyCzeker for telemedicine services.
Differentiator
Problem solved
Functional benefit
Products and services
- Polisa Zdrowie (Individual) Individual health insurance policy providing unlimited consultations with primary care physicians, specialists, diagnostic tests, laboratory work, and rehabilitation, available to individuals and families.
- Polisa Telerefundacyjna Individual health insurance product combining telemedicine access with reimbursement of medical costs incurred at any medical facility in Poland, giving policyholders freedom to choose providers.
- Polisa Zdrowie Welbi Individual health insurance product branded in partnership with Welbi, providing health coverage with a tailored benefits package for individual policyholders.
- Polisa Zdrowie (Group) Group health insurance policy for businesses and employees offering unlimited consultations with primary care physicians, specialists, diagnostic tests, ambulatory procedures, home visits, rehabilitation, and planned hospital treatments.
- Polisa Świat Zdrowia Adaptive group health insurance policy that adjusts to the changing health needs of employees over time, incorporating prevention and wellbeing elements, developed with Świat Zdrowia Operator Medyczny.
- Polisa Lekowa Group health insurance product covering medicine-related expenses, providing reimbursement or direct coverage for prescribed medications for insured employees.
- Medycyna Pracy (Occupational Medicine) Occupational medicine services covering mandatory pre-employment, periodic, and return-to-work medical examinations, managed through the Panel Medycyny Pracy platform within the Panel Ubezpieczającego.
- Ochrona Szpitalna (Hospital Protection) Hospital cash and indemnity insurance providing financial protection in the event of hospitalization, complementing the core health insurance policy.
- Druga Opinia Medyczna (Second Medical Opinion) Medical second opinion service provided in partnership with MediGuide, giving insured clients access to global medical experts who review documentation, confirm diagnoses, and recommend optimal treatment pathways.
- Program Leśnik (Forester Program) Specialized health program for employees of national parks and forest inspectorates, covering Lyme disease screening, diagnostics, treatment, and tick-borne encephalitis vaccination, with annual screening tests conducted at forest inspectorates.
- Program Mój Onkolog Oncology health program providing fast, coordinated cancer diagnostics with a dedicated Medical Consultant who guides patients from suspicion of cancer through diagnosis, connecting them with specialists and arranging necessary tests.
- Program Mój Dietetyk Dietetics support program for treating diet-related diseases including type 2 diabetes, gout, hypertension, and osteoporosis, with personalized dietary guidance from nutrition specialists.
- Program Mój Ortopeda Orthopedic rehabilitation program covering consultations, diagnostic imaging (X-ray, ultrasound, CT, MRI), laboratory tests, and ambulatory rehabilitation for complications following bone and joint injuries.
- Program Powrót do zdrowia po COVID-19 Post-COVID recovery program for patients with confirmed SARS-CoV-2 infection, covering consultations with pulmonologists, cardiologists, psychiatrists, psychologists, diagnostic tests, and ambulatory rehabilitation.
- Program Leczenie po Wypadku Drogowym Road accident treatment program providing insured clients who suffered injuries in traffic accidents with specialist consultations, laboratory and diagnostic tests, and ambulatory rehabilitation coordinated by a Medical Consultant.
- Program Kontynuacja Leczenia Szpitalnego Post-hospitalization care program supporting patients after discharge from hospital to facilitate the fastest possible recovery, including specialist consultations and rehabilitation.
- Profilaktyka przyszłości (Future Prevention) Future-oriented prevention program embedded in group insurance policies, developed with Świat Zdrowia Operator Medyczny, focusing on employee daily well-being, resilience, health awareness, and extending active professional careers.
Quantifiable outcome
- 98% client contract renewal rate demonstrating high customer satisfaction
- +5 more outcomes
Companies that use TU ZDROWIE SA
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
TU ZDROWIE SA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature5 records
TU ZDROWIE SA partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and supporting.
- MediGuidecoreMediGuide provides global medical expert services enabling TU Zdrowie to offer Drugą Opinię Medyczną (Second Medical Opinion) to insured clients. The service provides additional diagnostic certainty and support in choosing the best treatment path through analysis by specialists from renowned international medical centers.
- LOTOS PetrobalticcoreLOTOS Petrobaltic is the only Polish mining company engaged in oil and gas extraction on the Baltic Sea shelf. TU Zdrowie provides fully equipped ambulatories on offshore platforms and 24/7 medical staffing for platform crews.
- UNIMEDIcoreUNIMEDI is the medical operator for TU Zdrowie, handling appointment scheduling and organization of medical services for insured individuals. Created as a subsidiary within NEUCA Group to provide comprehensive patient service through medical hotline and IT platform.
- AssecosupportingAsseco designed and implemented IGA (Inteligentna Głosowa Asystentka), an AI-powered voice bot for TU Zdrowie's contact center. The intelligent voice assistant handles customer queries, accepts service requests, and routes calls, operating 24/7.
- Apteline.plsupportingApteline.pl is an online medicine reservation platform integrated into TU Zdrowie's Panel Ubezpieczonego. The platform allows insured individuals to reserve prescription and OTC medicines, supplements, and medical products for pickup at their preferred pharmacy.
- NEUCA GroupcoreNEUCA Group is a Polish pharmaceutical company and leader in wholesale drug distribution. Through the acquisition, TU Zdrowie gained access to NEUCA's clinical trial network, IT infrastructure, telemedicine platforms (Diabdis, HeyDoc, HeyCzeker), and extensive medical facility network.
- Świat Zdrowia (World of Health)coreŚwiat Zdrowia Operator Medyczny is the medical operator and part of NEUCA Group. The partnership expanded TU Zdrowie's network by 68 POZ clinics and provides comprehensive patient service coordination including telemedicine capabilities.
Scale indicators11 records
Recent moves8 records
Expansion highlights6 records
TU ZDROWIE SA competitors and assessment
Company assessmentDirect peers
- POLMED: Polish health insurance provider offering group and individual health insurance packages for corporate clients. Directly comparable in product offering and customer base to TU Zdrowie.
- PZU Zdrowie: Largest Polish insurer's health division, offering group and individual health insurance products with an extensive medical provider network. Direct competitor in the same Polish employer-sponsored health insurance market that TU Zdrowie targets.
- Saltus Zdrowie: Polish health insurance company offering corporate group health insurance products. A direct peer in the Polish employer-sponsored health insurance category with similar target market.
- Signal Iduna Polska: Specialist health and life insurer operating in Poland, offering group and individual health insurance for SMEs and large enterprises. Comparable to TU Zdrowie in product focus and target customer segments.
Emerging players
- Medicover: Major private healthcare operator in Poland with growing health insurance and subscription products. Competes with TU Zdrowie for employer-sponsored health benefits, combining provider and insurer functions.
- LUX MED: Largest private healthcare provider in Poland, increasingly offering its own insurance products and occupational health services. Comparable in that it operates in the same employer health benefits ecosystem, though primarily a provider rather than underwriter.
Broad incumbents
- Compensa (Vienna Insurance Group): Part of Vienna Insurance Group, Compensa offers health insurance as part of a wider non-life and life portfolio in Poland. Larger and broader competitor with more capital but less specialized focus.
- Nationale-Nederlanden Polska: Dutch insurance group's Polish life and health entity offering group health and life insurance products for corporate clients. Larger incumbent with broader portfolio but overlapping health insurance offering.
- UNIQA Polska: Austrian insurance group's Polish subsidiary offering group health insurance products. Competes in the same SME and corporate health benefits market with broader product suite.
- Allianz Polska: Major global insurer's Polish subsidiary, offering health insurance for corporate clients alongside a broad life and P&C portfolio. Competes with TU Zdrowie in the large-enterprise benefits segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
TU ZDROWIE SA social profiles
Digital presenceTU ZDROWIE SA financial estimates
Financial estimateRevenue estimate
Valuation estimate
TU ZDROWIE SA leadership team
Management profileNumber of profiles
Profiles10 records
TU ZDROWIE SA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TU ZDROWIE SA 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 TU ZDROWIE SA
What does TU ZDROWIE SA do?
TU Zdrowie SA is a Polish joint-stock insurance company specializing exclusively in private health insurance and employee medical packages. It sells individual and group health insurance policies under the Polisa Zdrowie brand, supplemented by specialized health programs (oncology, orthopedics, dietetics, post-COVID, post-accident), occupational medicine services, a digital self-service portal (Panel Ubezpieczonego), an employer HR portal (Panel Ubezpieczającego), and an AI voicebot (IGA). Coverage spans primary care, specialists, diagnostics, hospitalization, rehabilitation, and pharmacy access.
Is TU ZDROWIE SA a public or private company?
TU ZDROWIE SA is a private company. It is classified as corporate owned and is currently operating.
When was TU ZDROWIE SA founded?
TU ZDROWIE SA was founded in 2010. It employs 51 to 100 people.
Where is TU ZDROWIE SA based?
TU ZDROWIE SA is headquartered in Gdynia, Woj. Pomorskie, Poland, in the Europe region.
How does TU ZDROWIE SA make money?
Four revenue lines are on record. Health Insurance Premiums are the primary driver. The others are health Programs, occupational Medicine Services and health Programs for Other Insurance Companies.
Who are TU ZDROWIE SA's main competitors?
Direct peers on record are POLMED, PZU Zdrowie, Saltus Zdrowie and Signal Iduna Polska. Emerging players are Medicover and LUX MED. Broad incumbents are Compensa (Vienna Insurance Group), Nationale-Nederlanden Polska, UNIQA Polska and Allianz Polska.
Does TU ZDROWIE SA have an API?
No public API is recorded for TU ZDROWIE SA.
What industry is TU ZDROWIE SA in?
TU ZDROWIE SA's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524114 and its SIC code is 6411.