UNIQA Group
With a premium volume written including savings portions from unit-linked and index-linked life insurance of €8,354.7 million, the UNIQA Group is among the leading insurance groups in Central and Eastern Europe.
UNIQA in Europe
UNIQA offers its products and services via all sales channels (hired sales force, general agencies, brokers, banks and direct sales) and covers virtually the entire range of insurance lines. UNIQA is the second-largest insurance group in Austria; following the sale of the SIGAL Group (Albania, Kosovo and North Macedonia), UNIQA now has a presence in 11 countries of the CEE growth region as of the second quarter of 2025: Bosnia and Herzegovina, Bulgaria, Croatia, Czechia, Hungary, Montenegro, Poland, Romania, Serbia, Slovakia and Ukraine. In addition, insurance companies in Switzerland and Liechtenstein are part of the UNIQA Group.
The listed holding company UNIQA Insurance Group AG manages the Group and also operates the indirect insurance business concluded as active reinsurance with another insurance company. Moreover, UNIQA Insurance Group AG carries out numerous service functions for UNIQA Österreich Versicherungen AG and its international Group companies, in order to take best advantage of synergy effects and to implement the Group’s long-term corporate strategy consistently.
Property and casualty insurance
The property and casualty insurance line includes property insurance for private individuals and companies, as well as private casualty insurance. The UNIQA Group recorded premiums written in property and casualty insurance in 2025 in the amount of €5,044.7 million (2024: €4,587.0 million), corresponding to 60.4 per cent (2024: 59.4 per cent) of the total premium volume. The largest share by far in the volume of property and casualty insurance comes from the retail business. Most property and casualty insurance policies are taken out for a limited term of up to three years. A broad spread across the different risks of a great many customers and the relatively short terms of these contracts lead to only moderate capital requirements, which makes this business segment attractive.
Health insurance
Health insurance in Austria includes voluntary health insurance for retail customers, commercial preventive healthcare and opt-out offers for certain independent professions such as lawyers, architects and pharmacists. Although health insurance is still at the early stages in CEE, increased levels of prosperity in the region make the long-term growth potential even greater. Group-wide, the premiums written in 2025 amounted to €1,609.5 million (2024: €1,514.5 million), corresponding to 19.3 per cent (2024: 19.6 per cent) of the total premium volume. UNIQA is the undisputed market leader in this strategically important business line in Austria, with around 43 per cent of market share.
Life insurance
Life insurance covers economic risks that stem from the uncertainty as to how long a customer will live. There are also biometric products which hedge against risks such as occupational disability, long-term care needs or death. The life insurance business model is structured towards the long term. In life insurance, UNIQA achieved in 2025 a Group-wide premium volume (including savings portions from unit-linked and index-linked life insurance) of €1,700.4 million (2024: €1,618.4 million), corresponding to 20.4 per cent (2024: 21.0 per cent) of the total premium volume.
Companies included in the IFRS consolidated financial statements
In addition to the annual financial statements of UNIQA Insurance Group AG, the consolidated financial statements include the financial statements of all subsidiaries in Austria and abroad as well as those of the investment funds under the Group’s control. The scope of consolidation – including UNIQA Insurance Group AG – comprised 35 Austrian (2024: 34) and 67 international (2024: 61) subsidiaries as well as 4 Austrian (2024: 4) and 9 international (2024: 9) controlled pension and investment funds. The associates are 4 Austrian companies (2024: 4) that were included in the consolidated financial statements using the equity method of accounting.
Details on the consolidated companies and associates are contained in the corresponding overview in the consolidated financial statements. The accounting and measurement methods are also described in the consolidated financial statements.
Risk reporting
UNIQA’s comprehensive risk report is included in the notes to the 2025 Consolidated Financial Statements.
Corporate Governance Report
Since 2004, UNIQA has pledged to comply with the Austrian Code of Corporate Governance. UNIQA publishes its consolidated Corporate Governance Report at www.uniqagroup.com in the Investor Relations section.
Discontinued operations
In accordance with the provisions of IFRS 5, all values attributable to the Russian business were recognised in the 2024 consolidated income statement in the profit/(loss) from discontinued operations (after tax).