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Osiguritelna Polisa

North Macedoniaospol.mk ↗#8 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
€16m
5.4% of North Macedonia
Growth
+7.6%
FY 2025 vs 2024, in MKD · market +12.3%
Life share
0%
of own premium
Capital cover
412%
Solvency margin · €10m held vs €2.5m required
Claims and costs
92%
combined ratio after reinsurance · gross 83% · market 97%
In shortNumber 8 of 17 in North Macedonia with 5.4% of premium, growing slower than the market. Strongest in Motor TPL, with 9.4% of the line. Its non-life business made money on underwriting, with a combined ratio of 92% after reinsurance against 97% for the market. It paid €5.1m in claims, €33 for every €100 of its premium. It covers its required solvency margin 4.1 times.

In the news3 Dec 2025: Competition watchdog fines ten insurers MKD 17.27m over motor TPL price moves All news for North Macedonia

Latest resultsH1 2026, year to date: €8.1m of premium, +11.2% on H1 2025 (market −0.6%); share 5.3% (+0.6 pp), #9 of 16. More

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

Line mix
Motor TPL62%
Casco15%
Property11%
Accident5%
Liability3%
Other non-life3%
Size#8 of 17 by premium
€16m
larger than 56%median €15m
GrowthFY 2025 against 2024, in MKD
+7.6%
ahead of 38%median +10.0%
Claims and costsnon-life combined ratio, after reinsurance
92%
better than 89%median 96%
Capital coverlocal solvency margin
412%
ahead of 79%median 298%
Return on equitynet profit ÷ average equity
16.6%
ahead of 75%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
Sava8.1%8.4%8.8%8.6%8.3%
Halk8.5%5.4%5.4%6.0%6.7%
Osiguritelna Polisa5.7%5.6%5.6%5.6%5.4%
GRAWE Non-life2.7%2.8%3.7%4.5%4.3%
Euroins6.9%7.5%6.8%5.6%4.2%

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

    Website
    ospol.mk
    Employees
    159 (2025; 148 in 2022, 152 in 2023, 155 in 2024)
    Premium per employee
    €99k (FY 2025; median for non-life insurers in North Macedonia: €131k; all insurers)

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

    Questions about Osiguritelna Polisa

    Short answers from the figures on this page.

    What is Osiguritelna Polisa's market share in North Macedonia?

    Osiguritelna Polisa wrote €15.7m of premium in FY 2025, 5.4% of all premium in North Macedonia, ranking #8 of 17 insurers; its premium grew 7.6% on FY 2024 in MKD.

    Who owns Osiguritelna Polisa?

    Polisa records no group for Osiguritelna Polisa in FY 2025.

    What does Osiguritelna Polisa sell?

    Osiguritelna Polisa is a non-life insurer; its largest lines in FY 2025 are motor TPL (62.5% of its premium), casco (14.7%) and property (11.3%).

    Is Osiguritelna Polisa well capitalised?

    Osiguritelna Polisa's solvency margin was 412% at 31 December 2025: it covered its required solvency margin 4.1 times, against a median of 298% for the insurers in North Macedonia (local rules, not Solvency II).

    Is Osiguritelna Polisa profitable?

    Osiguritelna Polisa made a net profit of €1.96m in FY 2025, a return on equity of 16.6%; its non-life combined ratio was 92% after reinsurance.

    Is Osiguritelna Polisa growing?

    Osiguritelna Polisa's premium grew 7.6% in MKD in FY 2025, slower 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). Osiguritelna Polisa (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-osiguritelna-polisa

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_mk_osiguritelna_polisa_2026,
  author       = {{Polisa}},
  title        = {Osiguritelna Polisa (North Macedonia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/mk-osiguritelna-polisa}},
  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).