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Croatia Life

Adris groupNorth Macedoniacro.mk ↗#9 of 17 in North Macedonia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
ISA reports on insurance companies; solvency margin, not Solvency II
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for North MacedoniaWhat changed

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Premium
€15m
5.2% of North Macedonia
Growth
+13.7%
FY 2025 vs 2024, in MKD · market +12.3%
Life share
100%
of own premium
Capital cover
257%
Solvency margin · €11m held vs €4.3m required
Claims
—
non-life loss ratio, approximate
In shortNumber 9 of 17 in North Macedonia with 5.2% of premium, growing faster than the market. It paid €8.4m in claims, €55 for every €100 of its premium. It covers its required solvency margin 2.6 times.

In the news5 Mar 2026: Premiums up 12.3% to MKD 17.93bn in 2025, led by property and motor All news for North Macedonia

Latest resultsH1 2026, year to date: €8.2m of premium, +10.9% on H1 2025 (market −0.6%); share 5.3% (+0.5 pp), #8 of 16. More

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Croatia Life's line mix, and where it stands among the 17 insurers in North Macedonia on each measure, FY 2025.

Line mix
Life100%
Size#9 of 17 by premium
€15m
larger than 50%median €15m
GrowthFY 2025 against 2024, in MKD
+13.7%
ahead of 69%median +10.0%
Claims
— no non-life business
Capital coverlocal solvency margin
257%
ahead of 36%median 298%
Return on equitynet profit ÷ average equity
10.3%
ahead of 31%median 11.5%

Each bar runs from the weakest to the strongest of the insurers in North Macedonia 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
Croatia Life5.9%5.6%5.1%5.2%5.2%
Triglav Life1.7%2.9%3.1%3.7%3.7%
Winner Life3.0%3.1%3.4%3.7%3.6%
GRAWE Life4.5%3.9%3.5%3.5%3.0%
SIGAL Life2.1%2.2%2.1%2.0%2.0%

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 Adris group

    5 companies in 4 markets · €677m premium, latest year

    All 5 on the Adris page →
    North Macedoniathis market1 company€25m
    Croatia Non-life€25m
    Croatia1 company€553m
    Croatia osiguranje€553m
    Serbia1 company€56m
    Milenijum osiguranje€56m
    Bosnia and Herzegovina1 company€29m
    Croatia osiguranje€29m

    Company details

    Website
    cro.mk
    Employees
    90 (2025; 87 in 2022, 84 in 2023, 89 in 2024)
    Premium per employee
    €169k (FY 2025; median for life insurers in North Macedonia: €228k; all insurers)

    Website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Croatia Life

    Short answers from the figures on this page.

    What is Croatia Life's market share in North Macedonia?

    Croatia Life wrote €15.2m of premium in FY 2025, 5.2% of all premium in North Macedonia, ranking #9 of 17 insurers; its premium grew 13.7% on FY 2024 in MKD.

    Who owns Croatia Life?

    Croatia Life is part of the Adris group, which has 5 companies in 4 of the 18 markets on Polisa (FY 2025).

    What does Croatia Life sell?

    Croatia Life is a life insurer; all its premium in FY 2025 is life insurance.

    Is Croatia Life well capitalised?

    Croatia Life's solvency margin was 257% at 31 December 2025: it covered its required solvency margin 2.6 times, against a median of 298% for the insurers in North Macedonia (local rules, not Solvency II).

    Is Croatia Life profitable?

    Croatia Life made a net profit of €1.25m in FY 2025, a return on equity of 10.3%.

    Is Croatia Life growing?

    Croatia Life's premium grew 13.7% in MKD in FY 2025, faster than the market in North Macedonia (+12.3%).

    Sources for this page

    Premium, lines, claims and solvency margin: ISA (Insurance Supervision Agency of North Macedonia), quarterly reports on insurance companies. 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). Croatia Life (North Macedonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/mk-croatia-life

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_mk_croatia_life_2026,
  author       = {{Polisa}},
  title        = {Croatia Life (North Macedonia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/mk-croatia-life}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: ISA (no re-use terms published), MSE (personal non-commercial use only).