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UNIQA životno

UNIQA groupMontenegrouniqa.me ↗#9 of 9 in Montenegro, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
ANO market reports and insurers' annual reports; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for MontenegroWhat changed

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Premium
€1.6m
1.1% of Montenegro
Growth
−2.9%
FY 2025 vs 2024, in EUR · market +10.5%
Life share
100%
of own premium
Capital cover
670%
Solvency margin · €4.3m held vs €0.6m required
Claims and costs
—
Not usable, see data note
In shortNumber 9 of 9 in Montenegro with 1.1% of premium; its premium fell 2.9% while the market grew 10.5%. It paid €1.0m in claims, €63 for every €100 of its premium. It covers its required solvency margin 6.7 times.

Latest resultsJan–Sep 2026, year to date: €1.2m of premium, +5.6% on Jan–Sep 2025 (market +12.8%); share 1.0% (−0.1 pp), #10 of 11. More

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UNIQA životno's line mix, and where it stands among the 9 insurers in Montenegro on each measure, FY 2025.

Line mix
Life100%
Size#9 of 9 by premium
€1.6m
larger than 0%median €14m
GrowthFY 2025 against 2024, in EUR
−2.9%
ahead of 0%median +13.8%
Claims and costs
— life insurer
Capital coverlocal solvency margin
670%
ahead of 88%median 392%
Return on equitynet profit ÷ average equity
2.9%
ahead of 13%median 12.6%

Each bar runs from the weakest to the strongest of the insurers in Montenegro 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
Wiener Städtische životno6.5%7.0%7.7%9.0%9.6%
GRAWE7.2%6.6%6.3%5.6%5.1%
Lovćen životna4.7%4.5%4.4%4.9%5.0%
UNIQA životno1.9%1.7%1.4%1.2%1.1%

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

Solvency

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

Capital at year end

Capital cover

    Also in the UNIQA group

    15 companies in 10 markets · €3.23bn premium, latest year

    All 15 on the UNIQA page →
    Montenegrothis market1 company€24m
    UNIQA neživotno€24m
    Poland2 companies€1.44bn
    UNIQA€1.19bnUNIQA Życie€251m
    Czechia1 company€604m
    UNIQA pojišťovna€604m
    Slovakia1 company€346m
    UNIQA (branch)€346m
    Hungary1 company€332m
    UNIQA€332m
    Romania2 companies€162m
    UNIQA€91mUNIQA Asigurări de Viață€71m

    Also in Croatia · €118mBulgaria · €99mSerbia · €63mBosnia and Herzegovina · €47m

    Company details

    Legal name
    "UNIQA životno osiguranje" A.D. Podgorica
    Registered seat
    Podgorica, Montenegro
    Website
    uniqa.me
    LEI
    5299005QVZ2NKVMMW074 (not renewed)
    Employees
    89 (2025; 92 in 2022, 89 in 2023, 93 in 2024)
    Premium per employee
    €18k (FY 2025; median for life insurers in Montenegro: €222k; 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 UNIQA životno

    Short answers from the figures on this page.

    What is UNIQA životno's market share in Montenegro?

    UNIQA životno wrote €1.61m of premium in FY 2025, 1.1% of all premium in Montenegro, ranking #9 of 9 insurers; its premium fell 2.9% on FY 2024.

    Who owns UNIQA životno?

    UNIQA životno is part of the UNIQA group, which has 15 companies in 10 of the 18 markets on Polisa (FY 2025).

    What does UNIQA životno sell?

    UNIQA životno is a life insurer; all its premium in FY 2025 is life insurance.

    Is UNIQA životno well capitalised?

    UNIQA životno's solvency margin was 670% at 31 December 2025: it covered its required solvency margin 6.7 times, against a median of 392% for the insurers in Montenegro (local rules, not Solvency II).

    Is UNIQA životno profitable?

    UNIQA životno made a net profit of €0.126m in FY 2025, a return on equity of 2.9%.

    Is UNIQA životno growing?

    UNIQA životno's premium fell 2.9% in FY 2025 while the market in Montenegro grew 10.5%.

    Sources for this page

    Premium: ANO (Insurance Supervision Agency of Montenegro), quarterly market reports. Lines, claims and solvency margin: the insurer's annual report and ANO. 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). UNIQA životno (Montenegro): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/me-uniqa-zivotno

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_me_uniqa_zivotno_2026,
  author       = {{Polisa}},
  title        = {UNIQA životno (Montenegro): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/me-uniqa-zivotno}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: ANO (public information, no terms published).