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Cardif Polska

BNP Paribas groupPolandcardif.pl ↗#26 of 45 in Poland, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
KNF annual bulletin; lines, solvency and claims from each insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for PolandWhat changed

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Premium
€77m
0.4% of Poland
Growth
+15.4%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
100%
100% national · 95% Solvency II life line
Capital cover
210%
SCR ratio · €25m held vs €12m required
Claims and costs
—
life insurer: no ratio for its accident and health riders
In shortNumber 26 of 45 in Poland with 0.4% of premium, growing faster than the market. It paid €12m in claims, €15 for every €100 of its premium. It holds 2.1 times the capital it must hold.

Latest resultsH1 2026, year to date: €42m of premium, +14.0% on H1 2025 (market +6.6%); share 0.4% (±0.0 pp), #27 of 46. More

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Cardif Polska's line mix, and where it stands among the 45 insurers in Poland on each measure, FY 2025.

Line mix
Life95%
Health5%
Size#26 of 45 by premium
€77m
larger than 43%median €120m
GrowthFY 2025 against 2024, in PLN
+15.4%
ahead of 84%median +6.1%
Claims and costs
— life insurer
Capital coverSCR ratio: own funds ÷ SCR
210%
ahead of 50%median 210%
Return on equitynet profit ÷ average equity
11.4%
ahead of 34%median 15.5%

Each bar runs from the weakest to the strongest of the insurers in Poland 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
ERGO Hestia Życie0.6%0.7%0.8%0.8%0.8%
Credit Agricole Życie0.6%0.6%0.6%0.5%0.6%
Cardif Polska0.4%0.3%0.4%0.3%0.4%
Erste Allianz Życie0.6%0.6%0.6%0.5%0.4%
PKO Życie0.8%0.7%0.7%0.3%0.2%

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

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 BNP Paribas group

    5 companies in 4 markets · €344m premium, latest year

    All 5 on the BNP Paribas page →
    Czechia1 company€183m
    BNP Paribas Cardif€183m
    Slovakia1 company€54m
    BNP Paribas Cardif€54m
    Hungary2 companies€30m
    Cardif€22mCardif Élet€7.9m

    Company details

    Legal name
    TOWARZYSTWO UBEZPIECZEŃ NA ŻYCIE "CARDIF POLSKA" SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    cardif.pl
    LEI
    213800CLFT1YGUV9SW09

    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 Cardif Polska

    Short answers from the figures on this page.

    What is Cardif Polska's market share in Poland?

    Cardif Polska wrote €77.5m of premium in FY 2025, 0.4% of all premium in Poland, ranking #26 of 45 insurers; its premium grew 15.4% on FY 2024 in PLN.

    Who owns Cardif Polska?

    Cardif Polska is part of the BNP Paribas group, which has 5 companies in 4 of the 18 markets on Polisa (FY 2025).

    What does Cardif Polska sell?

    Cardif Polska is a life insurer; its largest lines in FY 2025 are life insurance (95.1% of its premium), health (4.8%) and accident (0.1%).

    Is Cardif Polska well capitalised?

    Cardif Polska's SCR ratio was 210% at 31 December 2025: it held 2.1 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Cardif Polska profitable?

    Cardif Polska made a net profit of €2.43m in FY 2025, a return on equity of 11.4%; the combined ratio of its non-life lines was 102% after reinsurance.

    Is Cardif Polska growing?

    Cardif Polska's premium grew 15.4% in PLN in FY 2025, faster than the market in Poland (+5.7%).

    Sources for this page

    Premium: KNF (Polish Financial Supervision Authority), annual bulletin Rynek ubezpieczeń, tables II.3 and II.15; motor lines from table II.18. Other 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). Cardif Polska (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-cardif-polska

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_cardif_polska_2026,
  author       = {{Polisa}},
  title        = {Cardif Polska (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-cardif-polska}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: KNF (open data, credit KNF), insurers' SFCRs (public disclosures, linked).