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TU Zdrowie

Polandtuzdrowie.pl ↗#30 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
€53m
0.3% of Poland
Growth
+8.7%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
170%
SCR ratio · €20m held vs €12m required
Claims and costs
94%
combined ratio after reinsurance · gross 94% · market 92%
In shortNumber 30 of 45 in Poland with 0.3% of premium, growing faster than the market. Its non-life business made money on underwriting, with a combined ratio of 94% after reinsurance against 92% for the market. It paid €38m in claims, €71 for every €100 of its premium. It holds 1.7 times the capital it must hold.

Latest resultsH1 2026, year to date: €32m of premium, +31.9% on H1 2025 (market +6.6%); share 0.3% (+0.1 pp), #30 of 46. More

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

Line mix
Health100%
Size#30 of 45 by premium
€53m
larger than 34%median €120m
GrowthFY 2025 against 2024, in PLN
+8.7%
ahead of 61%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
94%
better than 63%median 94%
Capital coverSCR ratio: own funds ÷ SCR
170%
ahead of 19%median 210%
Return on equitynet profit ÷ average equity
19.3%
ahead of 61%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
Inter Polska0.2%0.3%0.3%0.3%0.3%
Europa0.4%0.4%0.4%0.4%0.3%
TU Zdrowie0.1%0.2%0.2%0.2%0.3%
Nationale-Nederlanden Ubezpieczenia0.1%0.1%0.2%0.2%0.2%
KUKE0.2%0.3%0.2%0.2%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

Solvency

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

Capital at year end

Capital cover

    Company details

    Legal name
    TOWARZYSTWO UBEZPIECZEŃ ZDROWIE SPÓŁKA AKCYJNA
    Registered seat
    Gdynia, Poland
    Website
    tuzdrowie.pl
    LEI
    2594002G3LFB8SI18N62

    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 TU Zdrowie

    Short answers from the figures on this page.

    What is TU Zdrowie's market share in Poland?

    TU Zdrowie wrote €53.4m of premium in FY 2025, 0.3% of all premium in Poland, ranking #30 of 45 insurers; its premium grew 8.7% on FY 2024 in PLN.

    Who owns TU Zdrowie?

    Polisa records no group for TU Zdrowie in FY 2025.

    What does TU Zdrowie sell?

    TU Zdrowie is a non-life insurer; all its premium in FY 2025 is health.

    Is TU Zdrowie well capitalised?

    TU Zdrowie's SCR ratio was 170% 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 TU Zdrowie profitable?

    TU Zdrowie made a net profit of €3.49m in FY 2025, a return on equity of 19.3%; its non-life combined ratio was 94% after reinsurance.

    Is TU Zdrowie growing?

    TU Zdrowie's premium grew 8.7% 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). TU Zdrowie (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-tu-zdrowie

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_tu_zdrowie_2026,
  author       = {{Polisa}},
  title        = {TU Zdrowie (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-tu-zdrowie}},
  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).