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Open Life

Polandopenlife.pl ↗#42 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
€8.8m
0.0% of Poland
Growth
−20.8%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
100%
100% national · 98% Solvency II life line
Capital cover
169%
SCR ratio · €33m held vs €20m required
Claims and costs
—
life insurer: no ratio for its accident and health riders
In shortNumber 42 of 45 in Poland with 0.0% of premium; its premium fell 20.8% while the market grew 5.7%. It paid €95m in claims, 10.7 times its premium for the year. It holds 1.7 times the capital it must hold.

In the news3 Nov 2026: Quercus agrees to buy 49% of Open Life from bankrupt Open Finance All news for Poland

Latest resultsH1 2026, year to date: €3.8m of premium, −17.6% on H1 2025 (market +6.6%); share 0.0% (±0.0 pp), #42 of 46. More

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

Line mix
Life98%
Health2%
Size#42 of 45 by premium
€8.8m
larger than 7%median €120m
GrowthFY 2025 against 2024, in PLN
−20.8%
ahead of 9%median +6.1%
Claims and costs
— life insurer
Capital coverSCR ratio: own funds ÷ SCR
169%
ahead of 14%median 210%
Return on equitynet profit ÷ average equity
8.6%
ahead of 27%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
Pocztowe Życie0.1%0.1%0.1%0.1%0.1%
Signal Iduna Życie0.1%0.1%0.1%0.1%0.1%
Open Life0.5%0.1%0.1%0.1%0.0%
Inter Życie0.0%0.0%0.0%0.0%0.0%
Rejent Life0.0%0.0%0.0%0.0%0.0%

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

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

    Company details

    Legal name
    OPEN LIFE TOWARZYSTWO UBEZPIECZEŃ ŻYCIE SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    openlife.pl
    LEI
    259400MNYUI0WSI1WU07

    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 Open Life

    Short answers from the figures on this page.

    What is Open Life's market share in Poland?

    Open Life wrote €8.84m of premium in FY 2025, under 0.1% of all premium in Poland, ranking #42 of 45 insurers; its premium fell 20.8% on FY 2024 in PLN.

    Who owns Open Life?

    Polisa records no group for Open Life in FY 2025.

    What does Open Life sell?

    Open Life is a life insurer; its largest lines in FY 2025 are life insurance (97.8% of its premium) and health (2.2%).

    Is Open Life well capitalised?

    Open Life's SCR ratio was 169% at 31 December 2025: it held 1.7 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Open Life profitable?

    Open Life made a net profit of €2.88m in FY 2025, a return on equity of 8.6%.

    Is Open Life growing?

    Open Life's premium fell 20.8% in PLN in FY 2025 while the market in Poland grew 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). Open Life (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-open-life

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_open_life_2026,
  author       = {{Polisa}},
  title        = {Open Life (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-open-life}},
  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).