Customers and Markets
The best-known and most trusted insurance brand
|| UNIQA is the best-known and most trusted insurance
brand and, as the insurance of a new generation,
stands for innovation, product quality and
first-class service in a rapidly changing world.
Entrepreneurial success in such a quickly evolving global environment
requires a feel for trends as well as constant readiness
to respond proactively to peoples needs. Those who face
the challenges of the future with resolve are one step ahead, as
a pioneer on new terrain
In the seven years since forming our internationally oriented
insurance group and establishing the successful UNIQA brand,
which is, meanwhile, operating in sixteen European countries,
we have succeeded in recognising our customers desires and
the changes in society sooner than others. And we have found
the right answers to questions about insurance and old-age
provision that are arising from demographic and technological
Successful strategy of consistent customer orientation
With a business strategy that focuses specifically on the needs
of mobile customers in the age of globalisation, UNIQA has
achieved a leading market position in Austria. And we have
ourselves as a competent partner in our Central and
Eastern European target markets, filling the need for private insurance
and old-age provision, which is increasing everywhere.
Our success in developing new markets can be attributed to
many factors: The ability to replace separate product offers with
comprehensive insurance solutions that include sensible additional
benefits and excellent service quality. In doing so, we are
honing our image as a leading innovator and trendsetter.
The insurance of a new generation
|| The insurance of a new
UNIQA is an insurance company which not
only understands the changing way of life of
a new generation, but which consistently orients
its strategy on this. This behaviour is reflected
in our claim of being the insurance
of a new generation and consistently implemented
in the campaign. In addition to the
television ads, the print campaign began with
four topics on posters and billboards in Austria
simultaneously also in four Eastern
UNIQAs success can be attributed not least to the clear orientation
of our business strategy on the changing way of life in the
age of globalisation. We approach our customers flexibly, openminded
and receptive about each of lifes phases.
In this new age, we are conveying the overall concept of our
company as the insurance of a new generation with an international
image campaign, directed at the broader public in
Austria and our Central and Eastern European markets.
Lead in brand awareness increased
UNIQA can build upon its extremely positive brand image. Our
high profile is unequalled according to the most recent questionnaire
by the market research institute FESSEL-GfK. When
they think of insurance, 18% of all Austrians think first about
UNIQA. Thus, we have improved our lead compared to the
UNIQA moved up to 46% with respect to spontaneous awareness
and 90% awareness with prompting. We also received
the best scores for customer contacts in 2006. Once again, we
clearly achieved the highest share of customers (32%), primary
customers (18%), and exclusive customers in the Austrian insurance
Most trusted brand in Austria
|UNIQA is the most
in the eyes of
And whats more, according to the consumer study Readers
Digest European Most Trusted Brands, UNIQA is the most
trusted insurance brand in Austria for the fourth year in a row.
Furthermore, we regularly rank at the top of the market institutes
industry brand monitoring, with respect to estimation of
service quality, brand value or innovation.
Finally, in 2006, we were amongst the best insurance companies
rated by 400 independent insurance brokers for the Assurance
Award Austria, awarded by the market research institute psychonomics
Top grade for Raiffeisen Versicherungs service
Raiffeisen Versicherung, the Groups subsidiary that is leading
in bank sales, also reaped high praise from its customers. In a
survey of the level of satisfaction with the central service centre,
nearly three-fourths of those questioned awarded the top grade
of very satisfied as an overall assessment.
They consider product quality and the bank advisor in his advisory
function as the most important reason for the overall high
satisfaction. Raiffeisen Versicherung is also clearly ahead of other
bank insurers and above the industry average in advisory services
after the conclusion of a contract.
Strengthen and develop the competitive advantage
In this age of pressing economic change, however, we cannot
let ourselves be satisfied with the successes to date which have made UNIQA the leading insurance company in Austria, with
5.5 million Group customers and a premium volume of more
than € 5 billion. We must use our strategic role as pioneer and
technology leader in the insurance landscape, our first-class
brand image, high innovativeness and enormous customer potential
to strengthen the market position in Austria and to develop
emerging markets in Eastern Europe.
For this purpose, our product designers are continuously developing
new insurance solutions tailored to customers needs,
optimising our best sellers and reinforcing our competitive advantage
through modern innovations. And UNIQA occupies
new business segments early, which will increase in significance
in the future.
Business health management as a future topic
Thus, UNIQA by far Austrias leading health insurer recognised
business health management as one of tomorrows growth sectors.
Because healthier employees are verifiably more productive,
expenditures to promote their health are also sound business
investments. We are leading the way in this sector by setting a
good example in our own company. The campaign UNIQA@
work changed the personal behaviour and self-confidence of
the employees with numerous events within the Group.
With the results of this campaign, we will succeed in the future
in making our commercial and industrial customers more aware
of the topic health in business and in providing them with
attractive offers. These offers range from simple introductory
models to mobile medical examinations, to the vital statistics
of a company as a whole.
Pilot project against high blood pressure has begun
With disease management / hypertension, UNIQA has started
another innovative health insurance pilot project within the
framework of our comprehensive efforts to promote all types
of preventative measures, and therefore to avoid illness. Around
100 UNIQA customers between the ages of 60 and 70 who, like
every fourth Austrian, suffer from hypertension were equipped with a blood pressure gauge and a so-called home box for the
duration of the project. This transmitted the data which was
measured daily per telephone to LifeSensor a software programme
developed by us.
The medical team in our call centre checks this data and advises
customers with elevated numbers about possible ways to lower
their blood pressure. The project is intended to support the
therapy of the doctor treating the patient by providing ongoing
consultation outside of normal consulting hours. The goal is
to adjust blood pressure to an optimum, to avoid or minimise
subsequent diseases, and to reduce the costs to the health care
system in the long term.
Digital risk maps for natural catastrophes
A unique project in Europe for injury and damage prevention
has been available since the middle of 2006 throughout Austria:
The risk zone system for natural catastrophes, HORA, developed
in cooperation with the Insurance Association of Austria
and the Austrian Ministry of Agriculture, Forestry, Environment
and Water Management. It conveys a picture of the regional
risks of flood or earthquake.
At www.hochwasserrisiko.at, every Austrian can learn about
the risk of flood or earthquake to which his or her own house
or property in the respective region is exposed on a digital risk
map and, if necessary, take preventative measures.
The UNIQA and Raiffeisen Versicherung customers affected
by flood or storm damage in Austria in 2006 and early 2007,
were helped quickly and unbureaucratically. A free hotline was
promptly available to them for emergencies and to report damages
The QualityPartnership is one of our well-established customer loyalty
instruments: We reward the loyalty of our customers to our company with PartnerPoints.
We also grant an additional bonus if they complete a calendar year without
any claims in the defined insurance areas.
QualityPartnership made even more attractive
||A personal UNIQA VitalCoach helps
our customers learn how they can best maintain their health and well-being
or improve it, e.g. through an individually tailored sports programme.
Since its introduction in 2003 as an instrument to gain profitable
total and new customers, our insurance offer of the
QualityPartnership, which is unique in Austria, has continually
increased in significance.
This innovative product and service programme to foster and
intensify customer relationships was further developed in 2006,
and made even more attractive. It documents our consulting
philosophy and shows how we are consistently changing from
the product-focused to the solution-focused insurance of a new
Currently, more than 300,000 customers who own at least two
contracts in different insurance areas have a QualityPartnership.
They profit from an exclusive insurance and service package in
connection with targeted health prevention.
Active consultation and goodies included
Tried-and-tested building blocks of the QualityPartnership include
the guaranteed ActiveCare through a personal Exclusive
Advisor, who regularly adjusts the insurance protection to fit
new life situations, and also the possibility to receive a bonus
of up to € 200.
Furthermore, we reward loyal customers of the QualityPartnership
with PartnerPoints and attractive goodies, such as sport and thermal
spring gift certificates or a cheque for a short hotel vacation.
All contract data of the QualityPartnership, including the balance
of PartnerPoints, is available on demand for all customers
at any time at the Internet portal myUNIQA.
Use of the PartnerConto expanded
The PartnerConto is the financial hub of the QualityPartnership.
The advantage for the customers: premium payments for all insurance
contracts are summarised in a single line, all credits are
accounted for and handled in one monthly charge.
Our 3,000 brokers in Austria can also take advantage of the
TopConto in sales. And we are working as fast as we can to
further intensify our connections to total and multiple-contract
customers, with the help of the CustomerConto in the distribution
channels. At the same time, we would like to greatly simplify
communication with the advantages of the QualityPartnership.
Additionally, this will be expanded to include a business partnership
in the corporate customer segment in 2007.
Interview with Peter Simonischek
Kamilla Baar, 27 Actress
She received excellent critiques for her role as Ophelia, and now the up-and-coming Polish actress can be seen on the screen in star director Juliusz Machulskis new film, Vinci.
The path to the top is very difficult these days. What characteristics do you need to be successful?
You have to trust your luck, concentrate on your goals and remain true to your passion.
You have worked together with famous producers and actors. What impresses you most?
Thats true. I was lucky enough to have the opportunity to work together with several excellent Polish actors. I was extremely impressed. On the one hand, they are the best in the class. At the same time, they work hard and humbly, and with extreme concentration on every challenge, no matter how small it is.
Concerning your work: what inspires you?
People. Every single person I meet can be an adventure.
|Peter Simonischek was born on 6 August 1946 in Graz, studied at the Graz Academy of Music and Performing Arts, performed at the Graz Schauspielhaus Theatre and later in St. Gallen, Bern and Düsseldorf. Following that, an engagement at the Berlin Schaubühne Theatre, where he stayed for 20 years, proved to be the fulfilment of the dream of a lifetime. In 1999, Klaus Bachler brought him to the Burgtheater, where he was also established as a box-office success. Since the summer of 2002, he has also been a hit in the title role of Everyman at the Salzburg Festival.
What does the Salzburg Festival mean to you?
For me, the Salzburg Festival represents outstanding artistic performances with world-famous interpreters. The best musicians and actors in the world gather together to create something new. This always brings out new and daring ideas. Working here is wonderful. Personally, I most appreciate the summertime togetherness with so many European talents. That is very inspiring.
Fostering this gem of Austrian culture takes a huge amount of money every year; the festival could not possibly be held as it is without suitable sponsoring. How do you feel about the subject of cultural sponsoring?
High culture has always been dependent on support. In the past it was the job of the royalty, today this role is filled by successful corporations a potential win-win situation when a credible and intelligent partnership can be formed. In this regard, Austrian companies can nurture their traditional role as integrators to the benefit of a cultural European convergence.
|Commitment based on partnership is important.|
For UNIQA, sponsoring is an important social responsibility. Our commitment is based on partnership and is not limited to purely financial services: as an active partner, we focus on individual sponsoring partnerships that are precisely tailored to meet the needs and requirements of the situation.
After your successes in the past two years, amongst other things at the Salzburg Festival, one might think that you have reached a peak. What is it that continues to motivate you?
Acting is unbelievably lively and diverse. Its as if an expedition begins with the rehearsals for each new role, a departure into unexplored regions of our being a submersion into the depths of the human soul, searching and recognising correlations and contradictions. It is a joy to discover and learn new things each day, and to go on to celebrate a Festival of the Moment on opening night and take the audience along on a voyage from which they return happy and a little bit different.
Fitness training in the VitalClub
A QualityPartnership or health insurance policy is automatically
combined with a membership in Austrias largest health programme
the UNIQA VitalClub, where 90 VitalCoaches are
available to work out individual prevention programmes with
customers that focus on maintaining and improving fitness and
The health project, which is unique in the Austrian insurance business,
already has around 1 million members. The VitalClub was
also established in Germany and Hungary in 2006, for the first
time. In the future, it will also focus on corporate customers.
A fixed component of our commitment to preventative health
management is the FitnessProfile on four wheels, the VitalTruck.
The blue and white vehicle is meant to enable regular VitalChecks
for as many people as possible by bringing the VitalCheck to
VitalTruck on tour internationally
The 20-tonne truck, complete with trained medical personnel
for the examination of 100 employees daily, can be rented by
public and private companies. In 2006, it not only travelled all
over Austria, but also in Germany and Hungary.
German air-traffic control employees, who need maximum
mental and physical fitness to monitor around 8,000 flights
daily, submitted themselves to a check-up in the VitalTruck. The
German air-traffic controls health partner is our Group subsidiary,
More than 100,000 Raiffeisen customers use the Advantage Programme
Raiffeisen Versicherung achieved remarkable success with their
core customer programme, my sure advantage. The company,
which operates in bank sales over the counter of the Austrian
Raiffeisen banks, greeted the 100,000th Advantage customer in
2006. The success that my sure advantage has enjoyed until
now is not only based on incentives such as the premium discount.
Above all, Raiffeisen customers also receive competent
advisory services for all financial matters at their bank.
Popular figure Benni Raich athlete of the year
||UNIQAs sponsoring strategy is to enter into intermediate and
long-term partnerships. Commitment is not limited to purely
financial services. As an active partner, UNIQA focuses on the
individual and precisely on the necessities and requirements
of coordinated sponsoring partnerships.
Positive image transfer through sponsoring
Within the scope of the UNIQA Group strategy for securing
profitable total and new customers in the Central and Eastern
European insurance markets, the development of a positive brand
image plays an important role. With our sports sponsoring, we
aim for optimum support of brand recognition and an image
transfer in the areas of innovation, dynamics, success and compassion.
With the support of high-class art and cultural events,
we emphasise our claim to quality and exclusiveness based on
UNIQAs business values.
Thus, in 2006, we extended the successful partnership with the
top ski star Benjamin Raich until 2010. The Blitz from Pitz won
the slalom and giant slalom at the 2006 Winter Olympic Games,
and also won the Overall World Cup. He ensured the optimum
presence of the UNIQA brand on his blue helmet, which is a
symbol for security not only in Austria.
Popular figure Benni Raich athlete of the year
Austrias sports journalists chose Benni Raich as Austrias 2006
athlete of the year. Our commitment to the sport of skiing is
rounded out by our partnership with the Austrian Ski Association
(ÖSV). We are the general sponsor, as well as sponsor of many
world cup races organised by the ÖSV.
Furthermore, in 2006 we supported the Austrian Cycling
Association, the Austrian Tennis Association, the runner-up in
Olympic sailing, Andreas Geritzer, as well as sponsoring the top
event of the track-and-field all-around competition the meet
in Götzis in Vorarlberg.
Consistent strategy of faces for UNIQA
We continued our sports sponsoring in the international markets
of Eastern Europe. The subsidiary in the Czech Republic was one
of the main sponsors of the world championship in white-water
racing held in Prague. The logical consequence was our partnership
with the world-class kayaker, Stepanka Hilgertova, our
UNIQA athletic face for the Czech Republic. We continued our
overall strategy of faces for UNIQA in Bulgaria in 2006, with
a cooperation with the rally driver, Krum Donchev, in Serbia
with the ex-basketball star, Alexander Djordjevic, as well as in
Slovakia with the successful skier, Veronika Zuzulova, and in
Hungary with the highly popular water polo players, Adam and
Additionally, we are partner of the most popular Czech football
association Sparta Prague, and support the games of the
Handball Champions League in Hungary.
As Austrias largest art insurer, the promotion of excellent cultural
events is a part of our corporate culture. We have noticeably
expanded cultural sponsoring for a good reason. Above
all, our long-term cooperation with the Salzburg Festival has
proved itself as a symbiotic union between two partners at the
highest level of quality.
|Cultural sponsoring: the Salzburg Festival
Cultural sponsoring receives high approval
The approval is high. Half of all culturally interested people in
Austria have a positive perception of our commitment to the
Salzburg Festival. And 81% of our customers welcome our sponsoring
of this world-class cultural event. As a quality insurer, we
are providing an important contribution in order to preserve
the high quality of Austrian culture.
UNIQA ArtCercle for demanding lovers of art
With our ArtCercle, we offer demanding art lovers amongst our
customers regular access to top cultural events beyond the usual
programme. In addition to previews with tours conducted by experts, the ArtCercle organises backstage access at exhibitions,
enables cultural fans to peruse warehouses and collections, or
arranges conversations with renowned experts. In a short time,
it has established itself as synonymous with top-quality events
of the most demanding scale. The preview of the 200 works of
Pablo Picasso, on exhibition at the Albertina, left a particularly
special impression in 2006.
Promotion of the Schiele exhibition in the Belvedere
Within the scope of our long-term partnership with the Belvedere
Gallery, we supported the Egon Schiele exhibition, insured the
masterpieces of early Austrian expressionism shown there,
and took advantage of this connection for a UNIQA ArtCercle
In the area of music, we sponsor the Vienna Philharmonic and
promote the Mörbisch Festival on the Lake. And we shall engage
ourselves in the future as sponsor of the music festival at
Grafenegg Castle under the direction of Rudolf Buchbinder.
- With 90% brand awareness,
UNIQA is the best-known
insurance group in Austria and
has also been the most trusted
insurance brand for several
- The QualityPartnership was
made even more attractive
in 2006. Already, more than
300,000 customers benefit from this.
- Our sponsoring strategy
on the areas of sport
and culture and is being consequentially
expanded on the