Generali D.d.

What Generali D.d. does

Generali zavarovalnica d.d. is a Slovenian joint-stock insurance company operating as a wholly-owned subsidiary of Italian global insurer Assicurazioni Generali S.p.A. Established in Slovenia in 1996 and headquartered at Kržičeva 3, Ljubljana, the company is the third largest insurer in the Slovenian market with over 1,300 employees and more than 25 years of local operating history. Its core legal name is GENERALI zavarovalnica d.d., and it does business as Generali, with sub-brands including G24, Moj Generali, Generali ZAME (loyalty program), Generali galerija (art gallery), and MikroGO (micro-mobility insurance).

The company offers a comprehensive retail insurance portfolio spanning vehicle (auto, motorcycle, boat, bicycle, micro-mobility), home and property, health (specialist access, cancer, transitional care, health deductible), accident, life (death benefit and investment-linked), supplementary pension, travel, agricultural, and pet insurance, complemented by 24/7 assistance services (automotive, home, health, foreign travel, and Halo Doktor teleconsultation). Underlying technology is a digital insurance platform with three proprietary customer-facing components: Moj Generali (web and mobile portal/app for policy management, claims submission, and investment tracking), G24.si (internet-only car insurance sales channel), and E-škode (online claims submission at skode.generali.si).

Generali's business model is built on recurring insurance premiums collected from a broad B2C customer base of Slovenian individuals and families, with quote-based subscription pricing on an annual cadence. Distribution is omnichannel, combining a field agent network (zastopniki), physical branch offices, a phone-based inside sales line (080 70 77), and digital self-service channels. The company also serves a smaller business and SME segment, and operates The Human Safety Net community program in partnership with local NGOs, supporting families with young children since 2015 and reaching over 1,500 families in Slovenia. Marketing relies on multi-channel engagement including organic social, sports sponsorships, and community programs.

Name

Generali D.d.

Legal name

GENERALI zavarovalnica d.d.

Website

https://generali.si

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Generali zavarovalnica d.d. is a Slovenian insurance company and wholly-owned subsidiary of Assicurazioni Generali S.p.A., providing retail P&C, life, health, and pension insurance to individuals and businesses across Slovenia through agents, branches, phone, and digital channels.

Ownership category

akta.pro rank

Product category

Personal Insurance Services

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)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Standalone Critical Illness Insurance (FSAIAKAA)

Keywords

• Personal insurance products
• Vehicle insurance coverage
• Life and health insurance
• Pension and retirement insurance
• Insurance assistance services

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums from policyholders in exchange for coverage across vehicle, home, health, accident, life, pension, and travel insurance categories

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

GENERALI zavarovalnica d.d. underwrites and distributes a comprehensive portfolio of personal insurance products in Slovenia, including vehicle, home, health, accident, life, travel, supplementary pension, agricultural, pet, and micromobility (MikroGO) coverage, alongside 24/7 automotive, home, health, and foreign travel assistance services. The company sells directly to individuals and businesses via insurance agents, physical branches, phone sales, and online portals, with policies concluded at GENERALI zavarovalnica d.d. itself. Digital self-service is delivered through the Moj Generali customer portal and the G24.si online sales channel for vehicle insurance.

Product overview

Generali D.d. is a comprehensive insurance company offering a broad portfolio of insurance products and services primarily for individual (B2C) customers in Slovenia. The product portfolio includes core insurance categories: vehicle insurance (auto, motorcycle, boat, bicycle, micro-mobility), home insurance (house, apartment, solar panels, pet), health insurance (specialists with assistance, cancer, transitional care, health deductible), accident insurance (individual, children/youth, skier), life insurance (death benefit, investment), travel insurance (foreign, cancellation, ski liability), pension insurance, and agriculture insurance. Supporting services include automotive, home, health, and travel assistance programs available 24/7. Digital platforms include Moj Generali (customer portal with web and app access for policy management and claims) and G24 (online sales channel for internet-based insurance purchases). The company operates as a unified insurance provider with these products distributed through agents, online channels, and branch offices, unified under the Generali brand identity.

Differentiator

Problem solved

Functional benefit

Brands

• G24: Online sales brand for car insurance, operated by Generali zavarovalnica d.d. Policies are underwritten by GENERALI zavarovalnica d.d.
• Moj Generali
• Generali ZAME
• Generali galerija
• MikroGO

Products and services

• Vehicle Insurance (Zavarovanje avta)

Quantifiable outcome

• Customer satisfaction rating of 4.6/5 based on 11,568 reviews
• +2 more outcomes

Named customers1 record

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

Eight partnerships are on record, tiered core, major and minor.

• Zveza Anita Ogulin in ZPM Ljubljana Moste-PoljecoreStrategic or Co-development Partner · 1 January 2015Partnership for The Human Safety Net program 'Rastemo skupaj' (Growing Together) supporting families with children aged 0-6 years from disadvantaged backgrounds. Jointly developed comprehensive program for parental support in child-rearing and development. Collaboration includes school supplies donation campaigns, Christmas gift programs, and summer camp support for children.
• The Human Safety Net (Global)coreStrategic or Co-development PartnerGlobal movement under the Generali Group umbrella providing assistance to vulnerable groups worldwide. Two main programs: Families (supporting children 0-6 from deprived environments) and Refugees (supporting integration into labor market and entrepreneurship). Present in 25 countries with 85 partner organizations, reaching 830,000 families and refugees in 2024.
• Generali Investments d.o.o.majorChannel Partner/ Reseller/ DistributorLong-standing supporter of Generali Gallery since its inception. Co-sponsors savings and financial literacy workshops for children from ZPM Ljubljana Moste-Polje as part of The Human Safety Net program.
• Gantar FamilymajorStrategic or Co-development PartnerPatrons of Generali Gallery, with Matjaž Gantar as the initiator and founder. Supported since gallery establishment over 12 years ago.
• ISA ZNANJEminorImplementation/ SI/ Consulting PartnerCompany specializing in training older adults for technology use. Partnered with Generali for the 'Digitalno samostojni' project providing free computer courses in selected municipalities for elderly digital literacy.
• Goran Dragić FoundationmajorGTM or Marketing PartnerProud sponsor of the foundation and its projects including basketball court renovations (#podamdaigram initiative - 9th basketball court in Slovenia) and annual basketball camp. Foundation focuses on youth development, healthy lifestyle habits, and values like perseverance, cooperation, and responsibility.
• Slovenian Volleyball FederationminorGTM or Marketing PartnerPartnership for the 'Treniraj telo, treniraj glavo' (Train Body, Train Mind) content series featuring volleyball national team athletes discussing mental preparation and focus in sports.
• ZPM Ljubljana Moste-PoljecoreStrategic or Co-development PartnerPartnership through The Human Safety Net program supporting social welfare activities. Collaboration includes school supplies collection for disadvantaged children, summer camp funding, Christmas gift programs, and educational workshops.

Scale indicators8 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Zavarovalnica Sava: Slovenian composite insurer (part of the Sava Re group) offering P&C, life, and health coverage to individuals and businesses. Directly competes with Generali in Slovenia across multiple product lines.
• Zavarovalnica Triglav: The largest Slovenian insurance company and direct competitor across P&C, life, health, and pension lines. Directly comparable product portfolio and multi-channel distribution in the same single Slovenian market.
• UNIQA Insurance Group: Austrian insurance group with established Slovenian operations offering auto, home, life, and health insurance. Directly competes with Generali in Slovenia and serves as a regional peer across CEE.
• Allianz Slovenia: Slovenian subsidiary of global insurance giant Allianz, offering P&C, life, and health products to Slovenian consumers. A direct peer competing for the same customer segments and product categories as Generali.
• Vzajemna zdravstvena zavarovalnica: Slovenia-focused health insurance specialist offering complementary health coverage. Comparable as a domestic peer competing for the same Slovenian health-insurance customers Generali targets with its 'Specialisti z asistenco' and related products.
• Sava Re: Slovenian reinsurer and direct insurer operating across life and non-life lines, including health insurance through its subsidiary. A direct competitor in the Slovenian market with overlapping retail and commercial offerings.

Broad incumbents

• Generali Group (Assicurazioni Generali S.p.A.): Italian-listed global insurance parent of the subject company. Relevant as the group-level comparable for capital strength, multi-line strategy, and brand architecture; the Slovenian entity operates under its umbrella.
• Vienna Insurance Group (Wiener Städtische / VIG): Austrian-headquartered multi-line insurer with deep CEE presence including Slovenia. Historically connected to Generali's Slovenia ownership history and offers overlapping products across life, P&C, and health in the broader CEE region.

Regional players

• Croatia Osiguranje: Leading Croatian insurer (part of the Adris Group) operating in the broader CEE region with similar multi-line offerings. Comparable as a regional peer from a neighboring ex-Yugoslav market with analogous product mix and CEE dynamics.

Emerging players

• NN Group / NN Slovenia: Dutch-headquartered insurance group with life and pensions offerings in Slovenia. Comparable as a foreign multi-line insurer operating in Slovenia, particularly relevant for life and pension product overlap with Generali's portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtiktok.com/@rabim_stipendijo
• YouTubeyoutube.com/@Zavarovanje
• Facebookfacebook.com/generali.si
• LinkedInlinkedin.com/company/generali-slovenija
• Instagraminstagram.com/generali_zavarovalnica
• TikToktiktok.com/@rabim_stipenziju

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 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 Generali D.d.