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Slovenians spend 22 times as much on insurance per person as Moldovans
Premium is 4.8% of GDP in Slovenia and lowest in Romania (1.1%), Albania (1.0%) and Moldova (0.9%); per person, €1,587 against €72 in Moldova. The gap is the region's growth potential.
Insurance spending differs more across the region than incomes do. Premium equals 4.8% of GDP in Slovenia, about 2.0–2.4% in Czechia, Slovakia, Hungary, Bulgaria, Poland, Croatia, Lithuania and Bosnia and Herzegovina, and is lowest in Romania (1.1%), Albania (1.0%) and Moldova (0.9%).
Per person the spread is wider still: €1,587 in Slovenia, €761 in Czechia, €599 in Lithuania, €113 in Kosovo* and €72 in Moldova. Life insurance explains much of it: it is under 10% of premium in Moldova, Kosovo* and Albania, against 39% in Hungary and 36% in Slovakia.
Slovenia's 2025 figures include Triglav's business in Italy; without it, premium is about 3.8% of GDP and €1,260 per person, 18 times Moldovans', still the highest in the region. Penetration uses Eurostat GDP and population.
The numbers behind it
More insights
Premium is 2.1% of GDP across the 18 markets and outgrew it in 8 of them
2.1%The 18 markets wrote €56.87bn of premium in 2025, 2.1% of their GDP and €479 per person, while their GDP per person is 54% of the EU average. Scroll through the gap per person, growth since 2021 before and after inflation, where premium outgrew the economy and the outlook to 2028.
Five groups write 56% of the insurance premium in Central and Eastern Europe
56%The 18 markets Polisa covers wrote €56.87bn of premium in 2025, and VIG, PZU, Generali, Allianz and Talanx wrote 56% of it. VIG is the only group with an insurer in every market and leads six of them. Scroll through who leads each market, how much the leader holds and the 54 deals since 2021, 33 of them between different owners.
Underwriting made money in 17 of 18 markets in 2025, and Poland took 48% of the profit
17 of 18Claims and costs took less than the non-life premium after reinsurance in 17 of the 18 markets in 2025. The region's non-life insurers earned €1.88bn on underwriting and €2.01bn on investments, and insurers reported €5.14bn of net profit, 48% of it in Poland. Scroll through the combined ratio, investments, returns on equity, profit and five years of results.
Pages behind it
When the figures change
Every data update is listed with its date, newest first: new figures, corrections and what they changed.
What changedCiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). Slovenians spend 22 times as much on insurance per person as Moldovans [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/insurance-penetration-gap
BibTeXShow entry
@misc{polisa_insights_insurance_penetration_gap_2026,
author = {{Polisa}},
title = {Slovenians spend 22 times as much on insurance per person as Moldovans},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/insurance-penetration-gap}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.