Claims

Claims in euros at each year's average rate; growth in the market's own currency; per €100 of the premium the same source counts; per person over the population. Life share: life benefits, with maturities and surrenders where the source counts them.

Claims per €100 of premium, FY 2021–2025. Slovenia from FY 2024 and Bulgaria from FY 2023: earlier years are not on the same basis.

How to read this

• Claims paid is the cash insurers paid in the year, gross of reinsurance. Claims incurred, published instead by four markets, adds the change in claims provisions: a year with a large loss shows in it at once, even before the money is paid.
• These are not the claims behind the combined ratios on the insurer and market pages, which come from earned premium and claims incurred in the Solvency II reports.
• Each market counts the same insurers as its premium on Polisa, with the exceptions its own page names. Hungary's claims are set against earned premium, the only premium MNB publishes by line.
• Sources:
  • Albania: AMF statistical report. Claims paid in the year by all licensed insurers, before reinsurance; payments for the Compensation Fund are not counted.
  • Bosnia and Herzegovina: ANO FBiH and AZORS statistics. Claims paid in the year by all insurers of both entities, each with its business across Bosnia and Herzegovina, before reinsurance.
  • Bulgaria: FSC insurance market statistics. Claims incurred by Bulgarian insurers (claims paid plus the change in claims provisions), before reinsurance: the FSC has published no claims paid since 2023.
  • Croatia: HANFA insurance statistics. Claims and benefits paid in the year by the insurers with their seat in Croatia, before reinsurance; branches of EU insurers are not counted; life includes maturities and surrenders.
  • Czechia: ČAP, insurance market development. Claims incurred by ČAP's member insurers (claims paid plus the change in claims provisions), before reinsurance; statutory employer liability and the Slovak branches of Czech insurers are not counted, as in the premium.
  • Estonia: Statistics Estonia, tables RRI05 and RRI07. Gross claims in the year of the insurers and EU branches in Estonia, before reinsurance; life includes maturities, surrenders and pension payouts.
  • Hungary: MNB insurance sector time series. Claims incurred by the insurers the MNB supervises (claims paid plus the change in claims provisions), before reinsurance, against their earned premium; branches of foreign insurers are not counted.
  • Kosovo*: CBK monthly statistical bulletin. Claims paid in the year by all licensed insurers, before reinsurance; motor TPL includes the Kosovo Insurance Bureau's border and guarantee-fund claims.
  • Latvia: Latvijas Banka, quarterly reports by insurer. Claims paid in the year on contracts concluded in Latvia by all insurers and EU branches, before reinsurance; Latvian insurers' business in Lithuania and Estonia is not counted, as in the premium.
  • Lithuania: Bank of Lithuania, insurance activity results. Claims and benefits paid in the year by the insurers and EU branches in Lithuania, before reinsurance; life includes maturities, surrenders and annuities.
  • Moldova: National Bank of Moldova. Claims and benefits paid in the year by all licensed insurers, before reinsurance.
  • Montenegro: ANO, quarterly insurance market report. Claims settled in the year by all nine insurers, before reinsurance.
  • North Macedonia: ISA, quarterly report, tables 1 and 5. Claims paid in the year by all insurers, before reinsurance; motor TPL includes Green Card and border insurance.
  • Poland: KNF statistical tables. Claims and benefits paid in the year by the insurers KNF supervises, on their direct business in Poland, before reinsurance; life includes maturities and surrenders.
  • Romania: ASF insurance market reports and their annexes. Claims paid in the year by the insurers ASF authorises, before reinsurance; life includes maturities and surrenders. Branches of EU insurers are not counted, as in the premium. ASF splits non-life claims by line only for motor.
  • Serbia: National Bank of Serbia, tables T7 and T8. Claims settled in the year by all insurers the National Bank of Serbia supervises, before reinsurance.
  • Slovakia: SLASPO member statistics (Solvency II template S.05.01). Claims incurred by SLASPO's members, branches of EU insurers included (claims paid plus the change in claims provisions), before reinsurance.
  • Slovenia: SZZ member statistics. Claims and benefits paid in the year by SZZ's member insurers, before reinsurance; reinsurers and pension companies are not counted.