Triglav Osiguranje Hrvatska

What Triglav Osiguranje Hrvatska does

Triglav Osiguranje Hrvatska (legal entity: Triglav osiguranje d.d.) is a Zagreb-based, Croatian-domiciled composite insurance carrier and wholly-owned operating subsidiary of the Slovenian Triglav Group. Founded in 1967 and operating with 501-1,000 employees, the company underwrites a full portfolio of non-life, life, health, travel, vehicle, property, transport, vessel, and aircraft (including drone) insurance for individual consumers (primary segment) and legal entities (secondary segment) across Croatia.

The company monetizes primarily through recurring insurance premiums: monthly subscription billing for supplementary health products (e.g., Dopunsko neograničeno starting from €6.95/month), annual or as-agreed premiums for motor, property, life, and travel lines, and one-time premiums for individual travel policies. Its product surface spans core products (motor third-party liability, Kasko 5 zvjezdica comprehensive auto, Dom po mom property package, supplementary and additional health, investment/term/whole life insurance, travel) and modular add-ons (AO+ driver coverage, Bonus protect, kasko sudar, roadside assistance, critical illness, hospitalization allowance).

Distribution and technology are layered: a network of authorized insurance agents and physical sales offices across Croatia, an online webshop, the i.triglav mobile app (iOS/Android/Huawei) for policy management and digital claims, and — most recently — a distribution partnership with Hrvatska pošta (Croatian Post) live from September 3, 2025, plus the Triglav Club WhatsApp-based AI-powered sales channel for health insurance. The company holds ISO certification and operates under HANFA (Croatian Financial Services Supervisory Agency) regulatory oversight, with a Management Board led by President Vilma Učeta Duzlevska and member Darko Popovski (appointed July 20, 2023).

Name

Triglav Osiguranje Hrvatska

Legal name

Triglav osiguranje d.d.

Website

https://triglav.hr

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Triglav Osiguranje Hrvatska (Triglav osiguranje d.d.) is a Zagreb-based composite insurance carrier and subsidiary of Slovenia's Triglav Group, offering motor, property, life, health, and travel insurance to individual consumers and legal entities in Croatia through agents, branches, digital channels, and a Croatian Post partnership.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113)

SIC

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

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Non-life insurance
• Life insurance
• Vehicle insurance
• Property insurance
• Travel health insurance

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Revenue from automobile insurance (compulsory liability, casco, assistance), property insurance (home insurance packages), vessel insurance, aircraft insurance, and transport insurance. Premiums are collected annually or as agreed with customers.
2. Health Insurance Premiums: Revenue from supplementary health insurance (covering co-payments in compulsory health insurance), additional health insurance (higher standard healthcare without waiting and without referrals), and travel health insurance.
3. Life Insurance Premiums: Revenue from investment life insurance, risk life insurance, endowment life insurance, and mixed life insurance products combining savings and insurance protection.
4. Travel Insurance Premiums: Revenue from tourist and travel health insurance for trips abroad, available as individual or annual policies covering multiple trips up to 90 days each.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

Triglav Osiguranje Hrvatska is a Croatian joint-stock insurance company that sells a comprehensive range of insurance products, including mandatory and comprehensive motor/vehicle, property (home and construction), travel, supplementary and tourist health, life (term, whole life, mixed and investment-linked), transport/cargo, vessel, yacht, aircraft and drone insurance. The company distributes these products through its own agent and branch network, an online webshop, the i.triglav mobile platform and a partnership with Croatian Post, serving both individual consumers (fizičke osobe) and legal/business entities (pravne osobe) in Croatia.

Product overview

Triglav Osiguranje Hrvatska is a Croatian insurance company (d.d.) offering a comprehensive portfolio of insurance products and digital service platforms. The product range spans motor vehicle insurance (mandatory liability, comprehensive kasko, driver coverage, and roadside assistance), vessel and aircraft insurance (including drones), property insurance (home/apartment packages under 'Dom po mom'), life insurance (investment, term, mixed, and whole life), health insurance (supplementary, additional, and critical illness coverage), and travel insurance. The company operates two digital platforms: the i.triglav web/mobile app for policy management and claims, and the Triglav Club WhatsApp-based service for health insurance contracting powered by an AI agent. Insurance products are distributed through a network of sales offices, authorized agents, Croatian Post branches, and the online webshop.

Differentiator

Problem solved

Functional benefit

Brands

• Dom po mom: Property insurance package
• i.triglav
• Triglav klub
• Kasko 5 zvjezdica

Products and services

• Osiguranje od automobilske odgovornosti (AO)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature2 records

Partnerships

Two partnerships are on record, tiered moderate and minor.

• Hrvatska pošta (Croatian Post)moderateChannel Partner/ Reseller/ Distributor · 3 September 2025From September 3, 2025, Triglav insurance policies are available for purchase at selected Croatian Post offices throughout Croatia. This partnership makes insurance more accessible to citizens who can now purchase supplementary health insurance, travel health insurance, and property insurance at their local post offices, combining Croatian Post's widespread network with Triglav's decades of insurance expertise.
• Europ AssistanceminorStrategic or Co-development PartnerEurop Assistance provides 24-hour assistance services for Triglav travel insurance customers, including organizing treatment, transport coordination, and direct payment of medical expenses to healthcare providers.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Generali Osiguranje Hrvatska: Generali Group's Croatian entity offering similar multi-line insurance products (motor, property, life, health) via a tied-agent and broker network.
• Euroherc Osiguranje: Adris Grupa-owned Croatian insurer with strong motor (AO/kasko) and property positioning; overlaps heavily with Triglav's core non-life product set.
• Wiener Osiguranje: Vienna Insurance Group subsidiary in Croatia, focused on non-life and life insurance for retail and SME customers; a direct competitor in motor, home, and life products.
• UNIQA Osiguranje: Austrian-backed insurer active in Croatia offering non-life, life, and health products through agents and digital channels; competes with Triglav in motor, property, and personal lines.
• Grawe Hrvatska: Austrian GRAWE Group's Croatian arm, emphasizing life and unit-linked insurance plus non-life products; competes with Triglav's life and investment-linked offerings.
• Allianz Hrvatska: Subsidiary of Allianz Group operating in Croatia with a comparable multi-line P&C and life portfolio, an established agent network, and a strong brand presence in the same retail and SME segments.
• Croatia Osiguranje: The largest Croatian insurer, offering motor, property, life, and health insurance across the same customer segments as Triglav. Direct head-to-head competitor in virtually every product line.

Broad incumbents

• Triglav Group (parent): Slovenian-listed SEE insurance group and parent company. While not a direct competitor in Croatia, it shapes Triglav Croatia's strategy, capital, product design, and reinsurance.

Regional players

• Sava Re (Sava Insurance Group): Slovenian regional insurance and reinsurance group operating across SEE; analogous to Triglav in scale and multi-line model, providing a useful regional benchmark.

Others

• Europ Assistance (Croatia operations): Global assistance and travel insurance partner that currently services Triglav travel policies. Provides a useful comparable for embedded assistance/travel insurance economics and product design.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtriglav.eu/en
• LinkedInlinkedin.com/company/triglav-osiguranje-d-d

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Hrvatska