Strong position in Austria and CEE
The UNIQA Group strives to earn the trust of more than 18 million customers in Austria and CEE with first-class service. Our goal is to be recognised as a leading service provider in both markets and to guarantee customer satisfaction at the highest level – with a rating of at least 4.5 out of 5 stars.
Drawing on over 200 years of experience, UNIQA is one of the leading insurance providers in Austria. We have significantly strengthened our market position in the CEE region in recent years through the successful integration of the former AXA companies in Poland, Slovakia and Czechia. The UNIQA Group continues to focus consistently on profitable growth despite the geopolitical and economic challenges.
Austria: strong market position and attractive growth opportunities
We secure our leading position in Austria with innovative products, efficient sales and strong brands such as UNIQA and Raiffeisen. Our market share of around 21 per cent makes us the second-largest insurance company in Austria and we have also been the undisputed market leader in private health insurance for many years. We support 3.9 million customers in Austria, either directly or through our banking and sales partner Raiffeisen. We see great potential in the healthcare sector in particular over the next few years, as this is a market with high growth momentum. We are therefore expanding our activities specifically in this business segment.
The Austrian insurance market also offers interesting long-term development potential. Austrians currently invest around €2,335 per capita per year in insurance products, which remains noticeably below the European average despite the country’s high standard of living. A stable economic situation and a prudent regulatory environment also ensure good prospects.
CEE: growth through rising insurance density
Three-quarters of our customers, i.e. more than 14 million customers, live in Central and Eastern Europe. This region already accounts for around 40 per cent of the UNIQA Group’s total premiums.
The markets in Central and Eastern Europe are growing at a rate that is around twice as fast as the eurozone. Current forecasts for the EU member states in Eastern, Central and Southeastern Europe indicate economic growth of 2.2 per cent by the end of the year (with Poland spearheading growth at +3.5 per cent), which will once again be significantly higher than that of the eurozone (+0.9 per cent). This trend is expected to continue in 2026 and will also be driven by strong consumer spending, increased corporate investment and higher government spending with a significant increase in defence budgets in the CEE region.
With a total population of around 150 million people, the CEE region offers enormous potential. It has been experiencing a remarkable economic upturn for several years. Following the strong growth in 2023 and 2024, the premium volume in the region rose significantly again in 2025, increasing by almost 10 per cent.
Despite this dynamic growth, insurance density in terms of average annual insurance premiums per capita is still well below the level in Western Europe. The average insurance expenditure per capita in the region is a fraction of the Austrian figure at €320. The average premium is around €523 in our core markets of Poland, Slovakia, Czechia and Hungary and is set to increase further. The ongoing catch-up process thereby provides attractive growth opportunities from which UNIQA is benefiting disproportionately.
UNIQA has been significantly outpacing the market for years in CEE, which is the world’s fastest growing insurance region. We rely on a strong sales organisation as well as on our proven strong collaboration with Raiffeisen, mBank and the exclusive cooperation with the Addiko Group. In addition to growth, we focus clearly on profitability, scaling and regional diversification.
CEE: A region with major growth potential
Insurance spending per capita and year in €
UNIQA International: five management and control units
We finalised the measures planned as part of our strategic country portfolio management in the second quarter of 2025 with the successful completion of the sale of our companies in Albania, Kosovo and North Macedonia. As part of an efficient management and governance model, our focus is therefore on five international business units – Poland, Slovakia and Czechia, Hungary, Ukraine and SEE6.
In the strategically important Polish insurance market, our market leadership in pricing, our successful omni-channel strategy with a particular focus on digital sales and our significantly expanded sales capacities in 2025 were once again reflected in extremely successful business performance. UNIQA Poland is currently growing well above the market average and has thereby positioned itself as a top player.
A balanced portfolio in Czechia and Slovakia ensures well-balanced profit contributions from the non-life, life and pension business. We were recently able to achieve a welcome increase in margins in the motor vehicle insurance business thanks to a targeted focus on pricing expertise and AI-supported claims initiatives.
Despite the structural challenges in the market environment, UNIQA Hungary is systematically pressing ahead with the transformation initiatives that it has begun and is sustainably strengthening its competitiveness and earning power thanks to a strategic sales partnership with the leading Hungarian broker along with ongoing efficiency and synergy programmes.
UNIQA remains operationally stable and profitable in Ukraine despite the environment of the war. With more than one million customers and around 780 employees, we are one of the top five insurers in the country and the market leader in health insurance. In addition to health and motor vehicle insurance, our strategic focus is primarily on digital transformation and strict cost management.
We integrated our activities in Romania into the highly successful Southeastern Europe (SEE6) region in 2024 which, in addition to Romania, includes Bosnia and Herzegovina, Bulgaria, Croatia, Montenegro and Serbia. These markets were merged back in 2022. The aggregated individual results have increased by more than €30 million since 2022 thanks to a uniform regional strategy and product and process harmonisation across six countries.
