Uniqa Osiguranje U Bih

What Uniqa Osiguranje U Bih does

UNIQA Osiguranje d.d. Sarajevo is a full-line insurance carrier domiciled in Bosnia and Herzegovina and 99.8%-owned by UNIQA Group Austria since October 2005 (when UNIQA acquired the entity from Raiffeisen Zentralbank). The company offers life, voluntary health (VITAL tiers from Standard to Elite), property, motor (mandatory liability and kasko), travel, accident, second medical opinion, and commercial insurance products to individual consumers, SMEs, and corporate clients, and claims market leadership in BiH life insurance and bancassurance. Distribution runs through 27 owned sales offices in 21 cities, a Raiffeisen Bank dd BiH bancassurance partnership, authorized agents, telesales, and an online webshop.

The company's technology layer centers on the Moja UNIQA customer portal for policy management and claims filing, an online webshop with 10–30% purchase discounts, digital claims intake, the MedUNIQA 24/7 medical appointment hotline for health policyholders, telemedicine consultations, and video-based vehicle damage assessment. Revenue is generated through recurring annual premiums across personal and commercial lines, with pricing tiered by coverage level (e.g., VITAL Standard at KM 1,000 limit to Elite at KM 100,000 limit; Second Medical Opinion at KM 24 individual / KM 50 family annually; roadside assistance at KM 30/year). Auxiliary partnerships with MediGuide (second medical opinion) and CORIS International (travel assistance) extend service delivery without in-house capacity build-out.

Name

Uniqa Osiguranje U Bih

Legal name

UNIQA osiguranje d.d.

Website

https://uniqa.ba

Company type

Private

Founded year

1997

Operating status

Operating

Short description

UNIQA Osiguranje d.d. Sarajevo is a Bosnia and Herzegovina-based full-line insurance carrier, 99.8%-owned by UNIQA Group Austria, offering life, health, property, motor, travel, and commercial insurance to individuals, SMEs, and corporates through 27 branches, bancassurance with Raiffeisen Bank, and a digital webshop.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Worksite Hospital Indemnity Insurance (FSAIAMAB)

akta.pro secondary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Life insurance products
• Health insurance plans
• Property insurance coverage
• Motor vehicle insurance
• Travel insurance services

Headquarters

HQ city

Srpsko Sarajevo

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices27 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance: Life insurance products including Classic, Comfort, Kapital, and UNIQO (children's insurance) with savings components. UNIQA is the market leader in life insurance in Bosnia and Herzegovina.
2. Voluntary Health Insurance: Voluntary supplementary health insurance (DZO) with VITAL plans (Standard, Comfort, Exclusive, Premium, Elite) providing coverage in private healthcare network without waiting lists
3. Property Insurance: Home/apartment insurance (Home Basic, Home Standard, Home Exclusive) covering fire, theft, water damage, glass breakage, natural disasters. Includes free home assistance services.
4. Auto Insurance: Mandatory auto liability, full kasko, partial kasko, and vehicle assistance (S.O.S. Help on the road) products
5. Travel Insurance: Travel health insurance with coverage for medical treatment abroad, repatriation, and assistance services. Available from 1 KM per day.
6. Accident Insurance: Personal accident insurance covering death, permanent disability, and medical expenses from accidents
7. Second Medical Opinion: Insurance providing access to second medical opinions from world's leading medical centers through MediGuide partnership
8. Bank Insurance (Bancassurance): Insurance products distributed through Raiffeisen Bank branches, including credit life, card protection, and mortgage insurance

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

UNIQA Osiguranje d.d. Sarajevo is a Bosnia and Herzegovina-based insurance company offering a full-line portfolio of life, voluntary health, property (home), motor (mandatory liability and kasko), travel, and accident insurance products for both individual consumers and businesses. The company also distributes bancassurance products through Raiffeisen Bank, provides roadside assistance (UNIQA S.O.S.), second medical opinion services via MediGuide, and affinity products such as extended warranty and ticket insurance. Sales and service are delivered through 27 physical offices across 21 cities, an online webshop, and the Moja UNIQA self-service customer portal.

Product overview

UNIQA Osiguranje is a full-line insurance provider in Bosnia and Herzegovina offering a comprehensive portfolio of life, health, property, motor, and travel insurance products through both branch offices (27 locations in 21 cities) and digital channels (UNIQA Webshop and Moja UNIQA customer portal). The product portfolio centers on personal insurance lines (life, voluntary health with VITAL tiers, accident, travel, and home/property insurance) and commercial insurance (business property, all-risks, cargo, liability, and occupational insurance). The company also offers affinity and bancassurance products through banking partners, and supplementary services including MedUNIQA (24/7 medical scheduling hotline), UNIQA S.O.S. roadside assistance, and Drugo liječničko mišljenje (second medical opinion via MediGuide). Core digital infrastructure includes the UNIQA Webshop for direct online policy purchases and the Moja UNIQA portal for policy management and claims filing. The portfolio spans individual/family products, employer-group offerings, and specialized SME and affinity coverages.

Differentiator

Problem solved

Functional benefit

Products and services

• Classic Life Insurance (Životno osiguranje - Classic) Individual life insurance providing savings accumulation and family financial protection in case of death, with a guaranteed insured sum paid upon policy maturity or as a death benefit. Targeted at individual consumers and families seeking long-term financial protection.
• Comfort Life Insurance (Životno osiguranje - Comfort) Individual life insurance covering death and critical illness, with additional coverage for critical illness of a child. Pays out a benefit upon diagnosis of a covered critical illness. Targeted at individual consumers seeking broader family health-linked life coverage.
• Kapital Life Insurance (Životno osiguranje - Kapital) Life insurance providing coverage regardless of the insured's health condition, combining savings and investment accumulation with guaranteed returns. Targeted at individuals whose health status would otherwise restrict standard life cover.
• UNIQO Children's Life Insurance (UNIQO Dječije osiguranje) Children's life insurance where UNIQA continues paying premiums if the policyholder (parent) dies, ensuring uninterrupted coverage for the child. Targeted at parents seeking guaranteed long-term coverage for their children.
• Personal Accident Insurance (Osiguranje od nezgode) Individual and family accident insurance providing 24/7 worldwide protection against injury, permanent disability, or death resulting from an accident. Available for individuals and families, with optional premium installments.
• Voluntary Health Insurance - VITAL (Dobrovoljno zdravstveno osiguranje) Voluntary supplementary health insurance offering coverage for specialist examinations, diagnostics, medicines, medical aids, dioptric glasses, physiotherapy, and psychotherapy through UNIQA's network of private healthcare providers without referrals or waiting lists. Available in VITAL Standard, Comfort, Exclusive, Premium, and Elite tiers. Targeted at individuals and families seeking faster access to private healthcare.
• Second Medical Opinion Insurance (Drugo liječničko mišljenje) Annual insurance providing a second medical opinion from globally recognized medical experts for over 100 diseases, accessed through a network of 100 leading international medical centers via the MediGuide partnership. Priced at 24 KM (individual) and 50 KM (family). Targeted at policyholders seeking expert confirmation or alternative diagnosis for serious medical conditions.
• Home and Household Insurance (Osiguranje stana i kuće) Residential property insurance covering buildings and contents against fire, lightning, explosion, storm, hail, water damage, burglary, and glass breakage, with complimentary home assistance services. Available in Home Basic, Home Standard, and Home Exclusive packages. Online purchases receive a 30% discount. Targeted at homeowners and tenants.
• Mandatory Motor Liability Insurance (Obavezno auto osiguranje) Statutory mandatory third-party motor liability insurance required for vehicle registration in Bosnia and Herzegovina. Targeted at vehicle owners and drivers.
• Kasko Motor Hull Insurance (Kasko osiguranje) Motor vehicle insurance available as full (comprehensive) or partial coverage. Full kasko covers traffic accidents, fire, theft, vandalism, animal strikes, and natural disasters. Partial kasko covers collision and standard glass breakage. Kasko 4+ targets vehicles older than 4 years; Mini Kasko targets new and inexperienced drivers. Targeted at individual vehicle owners.
• UNIQA S.O.S. Roadside Assistance (UNIQA S.O.S. Pomoć na putu) Annual roadside assistance service available 24/7 across Bosnia and Herzegovina, the region, and Europe. Covers on-site repair, vehicle transport to the nearest service station up to 100 km, a replacement vehicle for up to 3 days, or hotel accommodation for up to 3 days. Priced at 30 KM annually with unlimited assistance calls. Targeted at drivers.
• Travel Insurance (Putno osiguranje) Travel health insurance covering medical treatment abroad, emergency dental care up to 150 KM, medical repatriation, and transport of deceased. Available for individuals, families, and groups for 1 to 365 days. Priced from 1 KM per day with a 10% online purchase discount. Targeted at travelers leaving Bosnia and Herzegovina.
• Business Property Insurance (Osiguranje imovine) Business property insurance covering assets, equipment, and inventory against damage and loss. Targeted at companies and organizations seeking commercial asset protection.
• SME Insurance Package (Osiguranje malih i srednjih poduzeća) Tailored insurance package for small and medium enterprises combining property, liability, and motor risks specific to business operations. Targeted at SME owners and operators.
• Cargo Insurance (Osiguranje robe u transportu) Cargo/goods-in-transit insurance covering merchandise during transport by various modes against loss or damage. Targeted at importers, exporters, and logistics operators.
• Liability Insurance (Osiguranje od odgovornosti) Third-party liability insurance protecting businesses against claims arising from bodily injury or property damage caused to others during business operations. Targeted at companies seeking operational liability coverage.
• Sigurna profesija - Occupational Insurance Occupational/professional insurance product for business employees covering work-related accidents and professional liability exposure. Targeted at employers offering employee benefits.
• Bancassurance Products (Banko osiguranje) Bank-distributed insurance products sold through Raiffeisen Bank branches in the Federation of Bosnia and Herzegovina, covering credit life insurance, card holders' insurance, mortgage insurance, and accident insurance for borrowers. Targeted at bank customers seeking loan or payment protection.
• Event Ticket Insurance (Osiguranje ulaznica) Affinity insurance product covering event tickets, protecting ticket holders against event cancellation or inability to attend. Targeted at event organizers and ticket purchasers.
• Extended Warranty and Device Insurance (Osiguranje produžene garancije i kupljenih uređaja) Affinity insurance covering extended warranties and purchased devices, protecting against device malfunction or damage beyond the manufacturer's warranty. Targeted at retailers and consumer device buyers.

Quantifiable outcome

• 20% savings on health insurance costs when combining life insurance with savings and voluntary health insurance (VITAL Comfort or VITAL Exclusive)
• +4 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• MediGuidecoreTechnology or Integration · 1 January 2018MediGuide is the world's leading second medical opinion company, partnering with UNIQA to provide access to 100 leading world medical centers. UNIQA policyholders can receive expert medical opinions on 100+ diseases based on their existing medical documentation, delivered within 15 working days.
• UNIQA Group AustriacoreStrategic or Co-development Partner · 1 October 2005UNIQA Group Austria, one of the leading insurance groups in Central Europe and largest Austrian insurer, acquired Raiffeisen Osiguranje in October 2005, acquiring 99.8% ownership stake. The company was officially renamed UNIQA Osiguranje d.d. Sarajevo in June 2006. UNIQA Group brings 200 years of tradition and serves 9.4 million clients across Europe.
• Raiffeisen Bank dd BiHcoreChannel Partner/ Reseller/ Distributor · 1 January 2005Bancassurance partnership where UNIQA insurance products are distributed through Raiffeisen Bank branches in the Federation of Bosnia and Herzegovina. Products include credit life insurance, card protection, mortgage insurance, and accident insurance for bank customers.
• UNIQA Network of Healthcare InstitutionscoreTechnology or IntegrationNetwork of public and private healthcare institutions (hospitals, clinics, specialist offices, laboratories) throughout Bosnia and Herzegovina that meet UNIQA quality standards and serve voluntary health insurance policyholders with no referrals and no waiting lists.

Scale indicators10 records

Recent moves4 records

Expansion highlights6 records

Broad incumbents

• Vienna Insurance Group (VIG): Major CEE insurance group operating across multiple Balkan and Central European markets. Comparable as the parent of Wiener osiguranje BiH and a direct competitor at group level, relevant for assessing capital and strategic positioning.
• Allianz: Global insurance and asset-management leader with selective presence in the Western Balkans. Relevant as a global incumbent benchmark for digital insurance platforms, product innovation, and capital scale that shape regional competitive expectations.
• UNIQA Group Austria: Parent group of the subject company and one of the largest insurance groups in Central Europe. Comparable as the broader incumbent platform providing capital, reinsurance, and product templates; relevant for benchmarking group-level scale and strategic direction.

Direct peers

• Adriatic osiguranje: One of the largest domestic insurers in Bosnia and Herzegovina offering life, non-life, and health insurance products. Directly comparable to UNIQA BiH as a full-line insurer competing in the same market with similar product breadth and multi-channel distribution.
• Triglav osiguranje: BiH operation of Slovenian insurer Triglav Group, providing life and non-life insurance. Comparable as a regional-group-backed competitor with similar product mix and digital service investments in the BiH market.
• Sarajevo osiguranje: Established BiH insurer offering life and non-life insurance products to individuals and businesses. A direct local competitor with overlapping product categories (life, motor, property, health) and similar branch-driven distribution.
• Wiener osiguranje (VIG): BiH subsidiary of Vienna Insurance Group (VIG), offering life, motor, property, and health insurance. Closely comparable business model, scale, and group-backed distribution to UNIQA BiH, with similar emphasis on voluntary health and bancassurance.
• Euroherc osiguranje: Bosnian insurance company providing motor, property, life, and travel insurance. Direct peer in the BiH market with comparable retail and corporate offerings distributed through branches and agents.
• Grawe osiguranje: Austrian/regional insurance group operating in BiH with life and non-life products, including savings-oriented life policies. Comparable in offering life-savings hybrids and being part of a CEE insurance group with a strong regional brand.

Regional players

• Croatia osiguranje: Largest insurer in Croatia and a major player across the Western Balkans, with comparable full-line products and group-level scale. Not primarily BiH-domiciled but materially overlaps in regional distribution patterns and product design relevant to UNIQA's bancassurance and motor lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@uniqaosiguranjebih?si=_C_FyJG8x_5lzrUB
• Facebookfacebook.com/uniqaosiguranjebih
• LinkedInlinkedin.com/company/uniqa-osiguranje-d-d-sarajevo
• Instagraminstagram.com/uniqa.bih

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 Uniqa Osiguranje U Bih