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Elama Kindlustus

Estoniaelama.ee ↗#12 of 18 in Estonia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Statistics Estonia tables by insurer and line; solvency and claims ratios from each Estonian insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for EstoniaWhat changed

Compare with nearest rivals →Compare →
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Premium
€12m
1.7% of Estonia
Growth
+43.8%
FY 2025 vs 2024, in EUR · market −0.6%
Life share
0%
of own premium
Capital cover
185%
SCR ratio · €9.0m held vs €4.9m required
Claims and costs
107%
combined ratio after reinsurance · gross 84% · market 82%
In shortNumber 12 of 18 in Estonia with 1.7% of premium; its premium grew 43.8% while the market's fell 0.6%. Its non-life business lost money on underwriting, with a combined ratio of 107% after reinsurance against 82% for the market; before reinsurance it was 84%, with 28% of its non-life premium passed to reinsurers. It paid €5.9m in claims, €50 for every €100 of its premium. It holds 1.9 times the capital it must hold.

In the news5 Nov 2026: Elama Kindlustus becomes third provider of patient insurance All news for Estonia

Latest resultsH1 2026, year to date: €8.5m of premium, +25.3% on H1 2025 (market +2.1%); share 2.4% (+0.5 pp), #12 of 18. More

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Elama Kindlustus's line mix, and where it stands among the 18 insurers in Estonia on each measure, FY 2025.

Line mix
Motor TPL45%
Casco33%
Other non-life20%
Property3%
Size#12 of 18 by premium
€12m
larger than 35%median €27m
GrowthFY 2025 against 2024, in EUR
+43.8%
ahead of 94%median +1.4%
Claims and costsnon-life combined ratio, after reinsurance
107%
better than 11%median 92%
Capital coverSCR ratio: own funds ÷ SCR
185%
ahead of 75%median 177%
Return on equity
— no profit or equity figures

Each bar runs from the weakest to the strongest of the insurers in Estonia with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
BTA Baltic (branch)5.5%5.6%4.6%4.5%4.7%
Salva Kindlustus5.0%5.6%5.4%4.9%4.3%
Elama Kindlustus0.9%1.5%1.1%1.2%1.7%
Gjensidige (branch)2.0%1.4%1.6%1.8%1.7%
Balcia Insurance (branch)——0.0%0.6%1.4%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Company details

    Legal name
    Elama Kindlustus AS
    Registered seat
    Tallinn, Estonia
    Website
    elama.ee
    LEI
    5299009CEFOJNUSUBR38
    Employees
    29 (2025; 18 in 2022, 18 in 2023, 23 in 2024)
    Premium per employee
    €406k (FY 2025; median for non-life insurers in Estonia: €396k; all insurers)

    Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Elama Kindlustus

    Short answers from the figures on this page.

    What is Elama Kindlustus's market share in Estonia?

    Elama Kindlustus wrote €11.8m of premium in FY 2025, 1.7% of all premium in Estonia, ranking #12 of 18 insurers; its premium grew 43.8% on FY 2024.

    Who owns Elama Kindlustus?

    Polisa records no group for Elama Kindlustus in FY 2025.

    What does Elama Kindlustus sell?

    Elama Kindlustus is a non-life insurer; its largest lines in FY 2025 are motor TPL (44.5% of its premium), casco (32.6%) and other non-life (19.7%).

    Is Elama Kindlustus well capitalised?

    Elama Kindlustus's SCR ratio was 185% at 31 December 2025: it held 1.9 times the capital Solvency II requires, against a median of 177% for the insurers in Estonia.

    Is Elama Kindlustus growing?

    Elama Kindlustus's premium grew 43.8% in FY 2025 while the market in Estonia shrank 0.6%.

    Sources for this page

    Premium, lines and claims: Statistics Estonia, tables RRI07 (non-life) and RRI05 (life) by insurer, CC BY-SA 4.0. Earned premium, claims incurred and expenses (S.05.01) and solvency (S.23.01): each domestic insurer's SFCR, FY 2021–2025, scaled to its Estonian business with the per-country template. How these numbers are built.

    Spotted a wrong figure? Tell us and include the source.

    CiteCite 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.

    APA

    Polisa. (2026). Elama Kindlustus (Estonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ee-elama-kindlustus

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_ee_elama_kindlustus_2026,
  author       = {{Polisa}},
  title        = {Elama Kindlustus (Estonia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/ee-elama-kindlustus}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: Statistics Estonia (CC BY-SA 4.0), Tax and Customs Board (open data), RIK (no re-use terms published), insurers' SFCRs (public disclosures, linked).