Now more than ever: living better together

2022 turned out to be an excellent financial year for us, even though for much of it, this had seemed highly unlikely. Just as important to us as the visible improvements to our cost ratio, our combined ratio and our earnings before taxes are those strategic developments that are confined to the inside – that go on under the bonnet, so to speak.

Best service provider, increased market share in Austria, rank at least among the top five in CEE, best employer, an optimised insurance business, and an offering that includes non-insurance healthcare products. These are the six main objectives of our strategic programme entitled “UNIQA 3.0 – Seeding the Future”. We are making better progress with some of these than with others. And there have also been setbacks, but we are learning from our mistakes.

Our most important goal, however, is to give 16 million customers across 18 countries the confidence that they are in good hands with us. UNIQA – living better together.

Combined ratio
Total of operating expenses and insurance benefits divided by the (net) premiums earned in property and casualty insurance.
View complete glossary
Cost ratio
Ratio of total operating expenses (net of reinsurance commissions received and share of profit from reinsurance ceded) to consolidated premiums earned (including savings portions of unit-linked and index-linked life insurance).
View complete glossary