uniqa d.d.

What uniqa d.d. does

UNIQA d.d. (legal name: UNIQA osiguranje d.d.) is a Croatian insurance company and a subsidiary of the Austrian UNIQA Group, one of the leading insurance groups in Central and Eastern Europe. Founded in 1999, the company has operated in the Croatian market for 26 years, providing a comprehensive portfolio of insurance products to individuals (fizičke osobe) and businesses (pravne osobe). Its product suite spans life and investment insurance (including mortgage and personal loan protection), voluntary health insurance (supplementary and complementary coverage), property and home insurance, motor insurance (mandatory third-party liability and kasko), travel insurance, accident insurance, and vessel insurance. The company also serves niche segments through specialty products such as charter deposit insurance and travel insurance for foreign nationals staying, working, or studying in Croatia.

The company operates a hybrid digital-physical technology stack. The MyUNIQA customer portal enables online policy purchase, renewal, claims filing (24/7), payments, and profile management. MedUNIQA is a healthcare access platform integrating a network of contracted healthcare institutions across Croatia, allowing policyholders to bypass public waiting lists for specialist examinations, diagnostics, dental services, physiotherapy, and minor surgeries. UNIQA Smart Kasko is a telematics-based kasko product that connects to a mobile app monitoring driving behavior (speed, harsh braking, acceleration, turning) and rewards safe driving with bonus kilometers. A telemedicine service provides Croatian-language online medical consultations for travel insurance policyholders while abroad. Marketing and content channels include the Osiguraj znanje financial-literacy blog, newsletter, social media (Facebook, Instagram, YouTube, LinkedIn), and flagship sponsorship of the Sarajevo Film Festival.

UNIQA distributes its products through an omnichannel model combining direct digital sales (online webshop), more than 50 physical sales offices across Croatian cities and towns, banking-channel partnerships with RBA (Raiffeisen Bank Austria) and Addiko Bank Hrvatska, and B2B/corporate sales for employee benefits. Revenue is generated through recurring premium subscriptions across life, health, and P&C lines, with pricing publicly disclosed for entry-level products (e.g., home insurance from approximately HRK 36.5 per month) and promotional discounting such as 10% online travel insurance and 50% annual travel insurance promotions. Customer support is delivered through offices, phone, the online portal, and digital channels.

Name

uniqa d.d.

Legal name

UNIQA osiguranje d.d.

Website

https://uniqa.hr

Company type

Private

Founded year

1999

Operating status

Operating

Short description

UNIQA d.d. is a Croatian insurance subsidiary of Austria's UNIQA Group providing life, health, vehicle, property, travel, accident, and vessel insurance to retail consumers and businesses across Croatia through 50+ sales offices, digital platforms (MyUNIQA, MedUNIQA), and bancassurance partnerships with RBA and Addiko Bank.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

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

Keywords

• Life insurance
• Health insurance
• Vehicle insurance
• Property insurance
• Travel insurance

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance: Non-life insurance products including auto insurance (mandatory liability and kasko), travel insurance, home/property insurance, and vessel insurance. Revenue collected as periodic premiums with policy renewals on annual or multi-year terms.
2. Health Insurance: Voluntary health insurance including supplementary (dopunsko) and additional (dodatno) health coverage, providing access to medical services without waiting lists through a network of contracted healthcare institutions.
3. Life & Investment Insurance: Life insurance products covering survival and death benefits, critical illness coverage, mortgage and consumer loan protection, and investment-linked life insurance tied to investment funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

UNIQA osiguranje d.d. is a Croatian insurance company offering life, health, vehicle (mandatory auto liability and kasko), property, travel, accident, and vessel insurance products to individuals and businesses. The company distributes these insurance products through an omnichannel model comprising a direct online webshop, more than 50 physical sales offices, and bank-channel partnerships (RBA, Addiko Bank). Service delivery is supported by digital platforms including the MyUNIQA customer portal, MedUNIQA health services access, telemedicine, and 24/7 online claims filing.

Product overview

UNIQA d.d. is a Croatian insurance company operating as part of the UNIQA Group (Austrian insurance group). The company offers a comprehensive portfolio of insurance products organized into two main segments: individual customers (fizičke osobe) and business customers (pravne osobe). For individuals, the core offerings include life insurance products (life insurance with death/survival coverage, critical illness coverage, investment-linked life insurance, and mortgage/personal loan insurance), property insurance (home/real estate insurance, accident insurance), travel and vehicle insurance (travel insurance, mandatory auto liability, CASCO/kasko insurance, vessel insurance), and health insurance (supplementary and complementary health insurance). For business customers, UNIQA provides property insurance for entrepreneurs, mandatory auto insurance, CASCO coverage, vessel insurance, professional liability insurance (Sigurna profesija), and employee benefits including life, accident, and health insurance. The product portfolio is supported by digital service platforms including MyUNIQA (customer portal), MedUNIQA (healthcare access platform), Telemedicine (online medical consultations), and a Webshop for online insurance purchases. The company operates through more than 50 sales offices across Croatia and offers 24/7 online services.

Differentiator

Problem solved

Functional benefit

Brands

• MyUNIQA: Customer portal for managing insurance policies, filing claims, and accessing services
• MedUNIQA
• UNIQA Smart Kasko

Products and services

• Kasko osiguranje (CASCO Insurance)

Quantifiable outcome

• 26 years of insurance market experience in Croatia
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• Sarajevo Film Festival (SFF)flagshipGTM or Marketing Partner · 14 August 2024UNIQA is the main sponsor of the Sarajevo Film Festival for the year, which runs from August 14 to 21. The partnership includes supporting festival content and developing new film talents across the film region, with international audiences and guests attending.
• RBA (Raiffeisen Bank)coreChannel Partner/ Reseller/ DistributorUNIQA offers insurance products distributed through RBA bank branches in Croatia, including products tailored for banking customers such as loan protection insurance.
• Addiko Bank HrvatskacoreChannel Partner/ Reseller/ DistributorUNIQA insurance products are available through Addiko Bank Hrvatska branches, providing banking-channel distribution of insurance coverage for credit customers.
• Contracted Healthcare Institutions NetworkcoreStrategic or Co-development PartnerMedUNIQA health service operates through a network of contracted healthcare institutions (ugovorne zdravstvene ustanove) across Croatia, enabling policyholders to access specialist examinations, diagnostics, and treatments without waiting lists.
• Partner Repair Services NetworkminorStrategic or Co-development PartnerA network of partner repair services (partnerski servisi) listed for vehicle repair and other services related to insurance claims settlement.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Croatia Osiguranje: Croatia Osiguranje is the largest domestic Croatian insurance carrier, offering a similarly broad portfolio of life, non-life, motor, property, and health insurance. It is UNIQA's most direct head-to-head competitor in the same Croatian market with overlapping product lines and agency distribution.
• Allianz Hrvatska: Allianz Hrvatska is the Croatian subsidiary of Allianz Group, offering life, non-life, motor, health, and travel insurance. It competes directly with UNIQA across product categories and customer segments, with comparable omnichannel distribution and a comparable international parent.
• Generali osiguranje Croatia: Generali osiguranje is a major Croatian multi-line insurer offering life, non-life, motor, health, and accident insurance. It is a direct competitor to UNIQA with overlapping product portfolio and similar international insurance group backing.
• Triglav Osiguranje (Croatia): Triglav Osiguranje is the Croatian arm of Slovenia's Triglav Group, offering life, non-life, motor, health, and travel insurance. It directly competes with UNIQA in the Croatian market and benefits from similar regional CEE group backing and comparable multi-channel distribution.
• Adriatic osiguranje: Adriatic osiguranje is a Croatian insurance carrier offering life, non-life, and health insurance products. It directly competes with UNIQA in the Croatian retail and SME segments with a similar product breadth and agency-led distribution model.
• Wiener osiguranje (Croatia): Wiener osiguranje is the Croatian arm of Vienna Insurance Group (VIG), offering life and non-life insurance products. It directly competes with UNIQA in Croatia with the backing of another major Austrian insurance group, very similar positioning to UNIQA.
• GRAWE Hrvatska: GRAWE Hrvatska is the Croatian subsidiary of Austrian insurance group GRAWE, offering life, non-life, and health insurance. It directly competes with UNIQA in Croatia with similar international parent backing and comparable multi-line product focus.
• Euroherc osiguranje: Euroherc osiguranje is a Croatian insurance company offering motor, property, life, and accident insurance. It is a direct competitor to UNIQA in the Croatian market, particularly in the motor and property lines, with overlapping physical distribution.

Broad incumbents

• UNIQA Group AG: UNIQA Group AG is UNIQA Croatia's Austrian parent, a publicly listed pan-CEE insurance group offering the same multi-line insurance products across 18+ countries. It is the parent and broad incumbent that defines the strategic and product direction of the Croatian subsidiary.

Regional players

• UNIQA Montenegro: UNIQA Montenegro is a regional sibling entity within the same UNIQA Group, operating in the Montenegrin market with similar product offerings. It is the same brand in a neighboring country, demonstrating regional expansion capability of the parent group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Xtwitter.com/uniqa_hrvatska
• YouTubeyoutube.com/@UniqaHr
• Facebookfacebook.com/uniqa.hr
• LinkedInlinkedin.com/company/uniqa-osiguranje-hrvatska
• Instagraminstagram.com/uniqa_hrvatska/?hl=en

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 d.d.