Sava Osiguruvanje Ad Skopje

What Sava Osiguruvanje Ad Skopje does

Sava Osiguruvanje Ad Skopje is a North Macedonian non-life insurance joint-stock company (а.д.) founded in 1993 and headquartered in Skopje, operating exclusively within the domestic market. It underwrites a diversified portfolio spanning motor vehicle (auto liability, kasko, assistance, Green Card, border), property and home (including earthquake and home assistance), travel health, accident, voluntary private health, bicycle/cyclist, and pet health insurance, plus a corporate line covering property, transport, liability, vehicle fleet, and accident risks for legal entities.

The company runs a multi-channel distribution model: physical branch offices across North Macedonia, dedicated Sava Station service points, an online webshop and quote system for self-serve purchase, a 24/7 contact center reachable via toll-free phone, Viber, and WhatsApp, and a digital platform for 24/7 online claim reporting. Its revenue model is the standard non-life insurer premium-collection model across subscription/recurring policy terms (e.g., 3-, 6-, or 12-month travel policies), with pricing not publicly disclosed and quotes handled through direct channels. It is a business partner of Sava Penzisko Drustvo AD Skopje (Sava Pension Company) under the shared Sava Balkans brand, supporting cross-sell between non-life and pension products.

Operationally, Sava is governed by an Annual General Meeting of Shareholders (publicly convened in 2026), with no public equity listing disclosed. No revenue, premium-volume, or headcount figures are publicly disclosed in the source material, and no AI/ML capabilities, APIs, or proprietary technology differentiators are documented beyond standard digital insurance platform features.

Name

Sava Osiguruvanje Ad Skopje

Legal name

Сава осигурување а.д.

Website

https://sava.mk

Company type

Private

Founded year

1993

Operating status

Operating

Short description

Sava Osiguruvanje Ad Skopje is a North Macedonian non-life insurance joint-stock company (founded 1993) offering motor, property, travel, health, accident, liability, transport, bicycle, and pet insurance to individuals and businesses via physical branches, webshop, and 24/7 contact center.

Ownership category

akta.pro rank

Headquarters

HQ city

Skopje

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. Insurance Premiums: Collection of insurance premiums from policyholders across multiple insurance categories including vehicle, property, health, travel, and accident insurance

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Sava Osiguruvanje Ad Skopje underwrites and distributes a portfolio of non-life insurance products for individuals and legal entities in North Macedonia. Personal lines cover motor vehicles (auto liability, kasko, Green Card, border, assistance), home/property, travel health, voluntary health, accident, bicycle/cyclist, and pet health. Corporate lines cover property, transport, liability, fleet vehicles, and employee accidents for businesses. Policies are sold through physical offices, an online webshop, a 24/7 contact center, and Sava Station service points.

Product overview

Sava Osiguruvanje Ad Skopje is a diversified insurance provider offering a portfolio of core insurance products organized across personal and corporate lines. Personal insurance includes Motor Vehicle Insurance (with sub-products: Auto Liability, Auto Assistance, Kasko Comprehensive, Green Card, and Border Insurance), Property/Home Insurance (with Home Assistance and Earthquake sub-products), Travel Health Insurance, Accident Insurance, Voluntary Private Health Insurance, Bicycle and Cyclist Insurance, and Pet Health Insurance. Corporate insurance includes property, transport, liability, vehicle, and accident coverage for legal entities. The company operates through digital channels (online purchase, online claims, webshop) and a physical branch network (Sava Station), and is a business partner of Sava Penzisko Drustvo Ad Skopje (pension fund company).

Differentiator

Problem solved

Functional benefit

Products and services

• Sava Patnicko Zdravstveno Osiguruvanje (Travel Health Insurance) Travel health insurance providing coverage from the first day of travel, with online purchase options for 3, 6, or 12-month terms and 24/7 emergency support via phone, Viber, and WhatsApp. Aimed at individual travelers seeking quick, simple medical protection while abroad.
• Sava Osiguruvanje od Nezgoda (Accident Insurance) Personal accident insurance covering unforeseen accidents with 24/7 support and emergency preparedness, targeted at individuals seeking financial protection against injury.
• Domakjinsko Osiguruvanje (Home Insurance) Household property insurance with bundled options for home assistance and earthquake coverage, intended for homeowners and tenants in North Macedonia.
• Osiguruvanje na Motorni Vozila (Motor Vehicle Insurance) Comprehensive motor vehicle insurance bundling mandatory auto liability, voluntary comprehensive (Kasko), 24/7 roadside assistance, Green Card international coverage, and short-term border insurance for vehicle owners in North Macedonia.
• Osiguruvanje na Pravni Lica (Corporate Insurance) Commercial insurance package for legal entities covering business premises, inventory, goods in transit, third-party liability, fleet vehicles, and employee accident risks, with combinations of services tailored to each business partner.
• Dobrovolno Privatno Zdravstveno Osiguruvanje (Voluntary Private Health Insurance) Voluntary private health insurance tailored to each insured person or family, providing additional healthcare protection on a simple, easy, and secure basis.
• Osiguruvanje na Velosipedi i Velosipedisti (Bicycle and Cyclist Insurance)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Sava Penzisko Drustvo AD Skopje (Sava Pension Company)coreOthersSava Insurance operates in partnership with Sava Pension Company as a business collaboration partner, both being part of the Sava financial services group in the Balkans region. The companies share the Sava brand and appear to collaborate on cross-selling opportunities for complementary financial services products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat5 records

Customer concentration

• YouTubeyoutube.com/channel/UCgGuFQD3FBFEtN1g9DbeVuQ
• Facebookfacebook.com/sava.mk/?fref=ts
• Instagraminstagram.com/sava_osiguruvanje
• LinkedInlinkedin.com/company/sava-osiguruvanje-ad-skopje

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 Sava Osiguruvanje Ad Skopje