Uniqa Cz

What Uniqa Cz does

UNIQA pojišťovna, a.s. is a Czech joint-stock insurance company headquartered in Prague, founded in 1993 and operating as part of the UNIQA Insurance Group (headquartered in Vienna, Austria). The company provides a comprehensive multi-product financial services platform spanning insurance, investment fund management, pension fund management, and consumer credit. Its core offerings include mandatory and casco vehicle insurance, travel insurance, property and household insurance, life insurance (investment-linked DOMINO Invest and term life), accident insurance, health insurance for foreigners, supplementary pension savings with state contributions, and a suite of 12+ mutual funds (equity, bond, mixed, real estate, thematic) plus structured investment programs (DIP, Generace X, Tempo). The operating structure comprises four wholly-owned entities: UNIQA pojišťovna (insurance underwriting), UNIQA investiční společnost (investment fund management), UNIQA penzijní společnost (pension fund management), and UNIQA Management Services (shared services).

The company serves more than 2.8 million clients in the Czech Republic and Slovakia across four primary customer segments: individual retail consumers (primary), small and medium enterprises, corporate/large enterprise clients, and foreign nationals in the Czech Republic. Revenue is generated primarily through recurring insurance premiums (P&C and life/health), subscription-based asset management fees on investment funds and pension products, and transaction fees on consumer credit. Distribution is hybrid: direct digital sales through the moje UNIQA client portal and online calculators, a nationwide physical branch network, an extensive intermediary/broker channel (Broker Consulting, Partners Financial Services, Fincentrum, Marsh, Aon, GrECo, Swiss Life Select, etc.), and dedicated corporate field sales teams. Underlying technology includes automated risk profiling and underwriting engines, biometric signature capture, AI-powered virtual assistant NIKI for customer service, the MeteoUNIQA weather risk tool, and BankID authentication. The 2020-2021 acquisition and integration of AXA's Czech and Slovak operations added approximately 1.5 million clients and 700 employees, making it one of the largest transformations in the Czech financial market in recent years. As of the most recent reporting, the Czech-Slovak unit manages CZK 227.6 billion in assets, posts gross profit exceeding CZK 2.6 billion, and reports a 4.54/5 average customer satisfaction across 200,000+ respondents.

Name

Uniqa Cz

Legal name

UNIQA pojišťovna, a.s.

Website

https://uniqa.cz

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

UNIQA pojišťovna is a Czech insurance, investment, and pension provider serving 2.8M+ clients in the Czech Republic and Slovakia with P&C, life, health, pension, and mutual fund products, operating as part of Austria's UNIQA Insurance Group following its 2020-2021 AXA integration.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Carriers, Nec (6399), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Universal Life (UL) Insurance (FSAIABAB)

akta.pro secondary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

Keywords

• Insurance products
• Life insurance
• Property insurance
• Pension savings
• Investment funds

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & casualty insurance premiums: Recurring insurance premiums from motor vehicle insurance (mandatory liability, casco), property and home insurance, travel insurance, accident insurance, and business insurance. Premiums are collected on monthly, quarterly, or annual billing cycles.
2. Life and health insurance premiums: Recurring premiums from investment life insurance (DOMINO Invest), risk life insurance, health insurance for foreigners, and supplemental pension insurance. Revenue generated through policy charges, mortality/ morbidity loadings, and investment management.
3. Investment management and fund fees: Management fees from UNIQA investment funds (equity, bond, balanced, real estate funds) and investment program fees (DIP UNIQA, Generace X, Tempo). Entry fees, ongoing management fees, and performance-related charges on a per-transaction and periodic basis.
4. Pension fund management: Fees from managing supplementary pension savings (doplňkové penzijní spoření) and pension insurance (penzijní připojištění) under UNIQA Penzijní společnost. Includes account management fees and fund administration charges.
5. Consumer lending: Revenue from consumer credit products offered to individuals through UNIQA's financial services platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

UNIQA pojišťovna, a.s. is a Czech insurance company offering life, non-life, vehicle, property, travel, accident, and health insurance products, supplemented by investment funds and state-subsidized supplementary pension savings. It distributes these products directly through digital channels and physical branches, and indirectly through a network of insurance brokers and financial intermediaries across the Czech Republic.

Product overview

UNIQA is a comprehensive financial services company offering a multi-product platform spanning insurance, investment, and pension services. The core insurance portfolio includes vehicle insurance (mandatory liability and casco), travel insurance, property and household insurance, life insurance (investment and term), accident insurance, and health insurance for foreigners. The investment platform comprises various UNIQA-branded mutual funds (equity, bond, mixed, and real estate) along with structured investment programs (DIP, Generace X, Tempo). Pension products include supplementary pension savings (DPS) with state contributions and traditional pension insurance. The company operates through multiple entities including UNIQA pojišťovna (insurance), UNIQA investiční společnost (investment company), UNIQA penzijní společnost (pension company), and UNIQA Management Services. Digital services include the moje UNIQA client portal, e-podatelna for electronic document submission, and virtual assistant NIKI. The product architecture follows a platform-plus-modules approach where core insurance products are complemented by add-on modules (employee benefits, assistance services) and integrated digital platforms (client portal, investment management).

Differentiator

Problem solved

Functional benefit

Brands

• DOMINO Invest: Investment life insurance product
• moje UNIQA

Products and services

• Mandatory Vehicle Liability Insurance (Povinné ručení) Statutorily required third-party liability motor insurance for vehicle owners in the Czech Republic, available for online purchase with discounts up to 67%.
• Casco Vehicle Insurance (Havarijní pojištění) Comprehensive voluntary vehicle insurance covering damage, theft, and other vehicle-related risks, with starting price from CZK 197/month and online purchase availability.
• Travel Insurance (Cestovní pojištění) Single-trip travel insurance available from CZK 23 per day, with family discounts starting at 20% and up to 50% discounts on annual policies.
• Annual Travel Insurance (Roční cestovní pojištění) Year-long multi-trip travel insurance with discounts starting from 20% for frequent travelers.
• Property and Household Insurance (Pojištění nemovitosti a domácnosti) Combined real estate and household contents insurance with 20% online discount and additional 10% bundle discount; includes personal liability rider up to 50% discount.
• Investment Life Insurance (DOMINO Invest) Life insurance combining insurance protection with investment options, offering tax benefits up to CZK 24,000 annually and monthly disability benefits up to CZK 30,000 for up to 12 months.
• Term Life Insurance (Rizikové životní pojištění) Risk-based life insurance providing death and critical illness protection with flexible coverage options.
• Accident Insurance (Úrazové pojištění) Accident insurance with short-term (365 days) and long-term options, offering 10% online discount on short-term policies.
• Health Insurance for Foreigners (Zdravotní pojištění pro cizince) Health insurance for foreign nationals living or working in the Czech Republic with coverage up to EUR 400,000, purchasable online.
• Supplementary Pension Savings (Doplňkové penzijní spoření) State-supported pension savings product with annual state contribution up to CZK 4,080, tax benefits up to CZK 7,200, and bonus up to CZK 2,000 for online contracts.
• Pension Insurance (Penzijní připojištění) Traditional pension insurance product offering state contributions and tax advantages for retirement planning.
• Long-Term Investment Product (DIP UNIQA) Long-term investment program with tax benefits up to CZK 7,200 annually, accepting employer contributions up to CZK 50,000 tax-free, from CZK 500 monthly.
• UNIQA Investment Funds Suite of professionally managed mutual funds including equity (CEE, global, emerging, small-cap, real estate), bond (CEE, EUROBOND), and balanced/mixed (Selection Opportunities, CZK/EUR Konto) funds managed by UNIQA investiční společnost.
• Consumer Credit (Spotřebitelský úvěr) Consumer loan product for individual personal financing needs distributed through UNIQA's financial services platform.
• SME Insurance (Pojištění malých a středních podnikatelů) Insurance solutions designed for small and medium enterprises covering business risks, operations, business interruption, and apartment buildings.
• Industrial Risks Insurance (Pojištění průmyslových rizik) Corporate insurance covering industrial and large enterprise risks for complex business operations.
• Employee Benefits Program Group insurance and benefits programs for employers including group life, group accident insurance, and supplementary pension contributions for workforce.
• Corporate Fleet Insurance (Firemní vozidla) Insurance solutions for corporate vehicle fleets operated by businesses.
• Business Interruption Insurance Insurance protecting businesses against losses from operational interruptions.
• Personal Liability Insurance (Pojištění odpovědnosti) Personal liability insurance for individuals covering third-party liability risks in everyday life.
• Apartment Building Insurance (Pojištění bytových domů) Insurance specifically designed for residential apartment buildings and housing cooperatives.
• Travel Agency Insurance (Pojištění cestovních kanceláří) Specialized insurance product for travel agencies and tour operators covering insolvency and related risks.
• E-scooter and Electric Vehicle Insurance (Pojištění elektrokoloběžky) Insurance for electric scooters, e-bikes, and small unregistered electric vehicles.
• UNIQA Future Trends Fund

Quantifiable outcome

• Up to 67% discount on vehicle insurance for online purchase
• +8 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Diagnose.meminorStrategic or Co-development PartnerDiagnose.me provides health assistance services to UNIQA insurance clients, including medical consultations, second opinions, and health advisory services. Offered as a free one-year benefit with life insurance products (DOMINO Invest) and as a standalone health service for foreigners.
• Linka bezpečí (Hotline for Children)minorStrategic or Co-development PartnerThe UNIQA Foundation (Nadační fond UNIQA) partnered with Linka bezpečí to produce a podcast series on death and dying ('O smrti a umírání'), providing mental health support resources for families and children. Linka bezpečí provides crisis helpline 116 111 for children and Rodičovská linka 606 021 021 for adults.
• Cesta domů (Home Hospice)minorStrategic or Co-development PartnerThe UNIQA Foundation partnered with Cesta domů on palliative care education, the umirani.cz web portal, and the podcast series on death and dying. Cesta domů is a leading Czech palliative care organization operating a mobile hospice, counseling for caregivers and bereaved families, and respite services.
• Broker Consulting, a.s.coreChannel Partner/ Reseller/ DistributorMajor Czech insurance broker and financial advisory network distributing UNIQA insurance and investment products to retail and corporate clients. Listed among key insurance intermediaries in UNIQA's data protection documentation.
• Partners Financial Services, a.s.coreChannel Partner/ Reseller/ DistributorMajor Czech financial advisory network distributing UNIQA insurance and investment products to retail clients. Listed among key insurance intermediaries in UNIQA's data protection documentation.
• Fincentrum a.s.coreChannel Partner/ Reseller/ DistributorLeading Czech financial planning and insurance distribution network distributing UNIQA products. Listed among key insurance intermediaries.
• Marsh, s.r.o.coreChannel Partner/ Reseller/ DistributorGlobal insurance broker operating in Czech Republic, distributing UNIQA corporate and industrial insurance products. Listed among key insurance intermediaries.
• Aon Central and Eastern Europe, a.s.coreChannel Partner/ Reseller/ DistributorGlobal risk consulting and insurance broker distributing UNIQA products to corporate clients. Listed among key insurance intermediaries.
• Swiss Life Select Česká republika, s.r.o.coreChannel Partner/ Reseller/ DistributorFinancial advisory network distributing UNIQA insurance and investment products. Listed among key insurance intermediaries.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Allianz pojišťovna: Czech subsidiary of Allianz Group, offering multi-line insurance (motor, property, life) and investment-linked products. Competes with UNIQA in both retail and corporate channels, leveraging strong global brand and bancassurance partnerships.
• ČSOB Pojišťovna: Czech insurance arm of KBC Group's ČSOB bank, offering life and non-life products primarily distributed through ČSOB banking network. Comparable to UNIQA's bancassurance ambitions, with similar integrated bank-insurance model and product range.
• Česká pojišťovna: Largest Czech insurer by market share, part of Generali Group, offering a full range of life, non-life, and investment products with extensive branch network. Most direct head-to-head competitor to UNIQA across retail and SME segments in Czech Republic.
• Generali Česká pojišťovna: Czech operations of Generali Group following merger with Česká pojišťovna, one of the largest insurers in Czech market. Direct competitor in life, P&C, and investment products with similar distribution mix of brokers and direct sales.
• Kooperativa pojišťovna (Vienna Insurance Group): Czech subsidiary of Vienna Insurance Group (VIG) and one of the largest multi-line insurers in the Czech market, offering motor, property, life, and corporate insurance plus pension products. Direct competitor to UNIQA in nearly every product line with comparable distribution through brokers and direct channels.
• NN Životní pojišťovna: Czech life insurance specialist (formerly Nationale-Nederlanden, part of NN Group), focused on life and investment-linked products. Direct competitor in UNIQA's life insurance, pension, and investment fund categories with similar broker-led distribution.
• Slavia pojišťovna: Smaller Czech multi-line insurer offering motor, property, and life insurance with strong broker network presence. Competes with UNIQA in SME and retail segments with similar product positioning and intermediary-led distribution.

Emerging players

• Direct pojišťovna: Czech digital-first insurer specializing in direct-to-consumer motor and travel insurance sold online. Represents the digital challenger model UNIQA is competing against with its moje UNIQA portal and online discount strategy, but with lower cost structure focused purely on simple products.

Regional players

• UNIQA pojišťovna (Slovakia): Sister entity of UNIQA CZ operating in Slovak market with similar product portfolio under UNIQA Group. Operates in adjacent geography with same brand, products, and group structure; not direct competitor within the same market but represents the regional expansion pattern and combined 2.8M client base referenced in UNIQA CZ metrics.

Broad incumbents

• Wiener Städtische Versicherung (VIG): Austrian flagship brand of Vienna Insurance Group (parent of Kooperativa), one of the largest insurance groups in CEE. Comparable to UNIQA Group as a broad incumbent serving multiple CEE markets with full product portfolios; not a direct Czech market competitor but a parallel group structure in the regional competitive landscape.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/uniqa_cz_sk
• YouTubeyoutube.com/user/UNIQAcz
• Facebookfacebook.com/UNIQACesko
• LinkedInlinkedin.com/company/uniqa-pojistovna-a-s
• Instagraminstagram.com/uniqa_cz

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

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 Cz