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Wüstenrot životno osiguranje

Merkur groupCroatia#13 of 15 in Croatia, FY 2022
Updated 11 Nov 2026
Sources and updates
Source
written premium (from 2023), lines, solvency and claims from each insurer's SFCR; HANFA's audited written premium to 2022, its collected premium from 2023 as a note
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around April 2027

Sources for CroatiaWhat changed

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Premium
€7.6m
0.4% of Croatia
Growth
+2.0%
FY 2022 vs 2021, in EUR · market +8.3%
Life share
100%
of own premium
Capital cover
188%
SCR ratio · €10.0m held vs €5.3m required
Claims and costs
—
life insurer: no ratio for its accident and health riders
In shortNumber 13 of 15 in Croatia with 0.4% of premium, growing slower than the market. It holds 1.9 times the capital it must hold.

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Wüstenrot životno osiguranje's line mix, and where it stands among the 15 insurers in Croatia on each measure, FY 2022.

Line mix
Life100%
Size#13 of 15 by premium
€7.6m
larger than 14%median €88m
GrowthFY 2022 against 2021, in EUR
+2.0%
ahead of 7%median +7.5%
Claims and costs
— life insurer
Capital coverSCR ratio: own funds ÷ SCR
188%
ahead of 43%median 189%
Return on equitynet profit ÷ average equity
4.7%
ahead of 67%median 3.2%

Each bar runs from the weakest to the strongest of the insurers in Croatia with that figure in FY 2022; 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
Agram Life3.4%3.2%3.1%2.7%2.5%
Merkur osiguranje2.1%2.0%2.2%2.0%1.9%
Groupama osiguranje0.3%0.4%0.5%0.5%0.5%
Wüstenrot životno osiguranje0.5%0.4%———
Hrvatsko kreditno osiguranje0.1%0.2%0.1%0.1%0.1%

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

Savings and protection in life

Life premium by kind

Solvency

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

Capital at year end

Capital cover

    Also in the Merkur group

    4 companies in 3 markets · €122m premium, latest year

    All 4 on the Merkur page →
    Croatiathis market1 company€39m
    Merkur osiguranje€39m
    Slovenia1 company€67m
    Merkur zavarovalnica€67m
    Serbia1 company€8.5m
    Merkur Osiguranje€8.5m

    Company details

    Legal name
    Wüstenrot životno osiguranje dioničko društvo
    Registered seat
    Zagreb, Croatia
    LEI
    74780000X00H92A3R667 (retired)

    Legal name, seat and LEI from the Global LEI Index (GLEIF), checked 20 Oct 2026.

    Questions about Wüstenrot životno osiguranje

    Short answers from the figures on this page.

    What is Wüstenrot životno osiguranje's market share in Croatia?

    Wüstenrot životno osiguranje wrote €7.58m of premium in FY 2022, 0.4% of all premium in Croatia, ranking #13 of 15 insurers; its premium grew 2.0% on FY 2021.

    Who owns Wüstenrot životno osiguranje?

    Wüstenrot životno osiguranje is part of the Merkur group, which has 3 companies in 3 of the 18 markets on Polisa (FY 2025).

    What does Wüstenrot životno osiguranje sell?

    Wüstenrot životno osiguranje is a life insurer; all its premium in FY 2022 is life insurance.

    Is Wüstenrot životno osiguranje well capitalised?

    Wüstenrot životno osiguranje's SCR ratio was 188% at 31 December 2022: it held 1.9 times the capital Solvency II requires, against a median of 189% for the insurers in Croatia.

    Is Wüstenrot životno osiguranje profitable?

    Wüstenrot životno osiguranje made a net profit of €0.179m in FY 2022, a return on equity of 4.7%.

    Is Wüstenrot životno osiguranje growing?

    Wüstenrot životno osiguranje's premium grew 2.0% in FY 2022, slower than the market in Croatia (+8.3%).

    Sources for this page

    Premium: the insurer's SFCR for FY 2025, template S.05.01 (gross written premium), and its SFCRs of 2023 and 2024 for those years; for FY 2021–2022 HANFA, Revidirani pojedinačni podaci (audited written premium per insurer). HANFA's audited collected premium, its per-insurer figure since 2023, is in each insurer's data note. Lines, claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. 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). Wüstenrot životno osiguranje (Croatia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/hr-wustenrot-zivotno-osiguranje

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_hr_wustenrot_zivotno_osiguranje_2026,
  author       = {{Polisa}},
  title        = {Wüstenrot životno osiguranje (Croatia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/hr-wustenrot-zivotno-osiguranje}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: HANFA (free re-use with credit), HUO (no re-use terms published), insurers' SFCRs (public disclosures, linked).