UNIQA životno
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €6.3m of premium, +1.0% on H1 2025 (market +6.9%); share 0.7% (±0.0 pp), #13 of 16. More
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UNIQA životno's line mix, and where it stands among the 16 insurers in Serbia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Serbia 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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| OTP Osiguranje | 0.6% | 0.7% | 0.8% | 0.9% | 1.1% |
| UNIQA životno | 1.5% | 1.3% | 1.0% | 0.9% | 0.8% |
| Sava Životno osiguranje | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% |
| Merkur Osiguranje | 0.7% | 0.6% | 0.5% | 0.5% | 0.5% |
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
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
UNIQA životno beside the other insurers of Serbia: operating ratio, sources of profit and leverage →
Also in the UNIQA group
15 companies in 10 markets · €3.23bn premium, latest year
Also in Croatia · €118mBulgaria · €99mBosnia and Herzegovina · €47mMontenegro · €25m
Ownership and events
Company details
- Legal name
- UNIQA ŽIVOTNO OSIGURANJE ADO BEOGRAD
- Registered seat
- Belgrade, Serbia
- Website
- uniqa.rs
- LEI
- 529900NH029TVWX6PY28 (not renewed)
- Employees
- 175 (2025; 260 in 2022, 232 in 2023, 224 in 2024)
- Premium per employee
- €72k (FY 2025; median for life insurers in Serbia: €110k; all insurers)
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. Employees: employees at 31 December from each insurer's notes to the financial statements filed with the Business Registers Agency (APR), 2021–2025; UNIQA's two companies print only the average number in the year.
Questions about UNIQA životno
Short answers from the figures on this page.
What is UNIQA životno's market share in Serbia?
UNIQA životno wrote €12.6m of premium in FY 2025, 0.8% of all premium in Serbia, ranking #13 of 16 insurers; its premium fell 7.4% on FY 2024 in RSD.
Who owns UNIQA životno?
UNIQA životno is part of the UNIQA group, which has 15 companies in 10 of the 18 markets on Polisa (FY 2025).
What does UNIQA životno sell?
UNIQA životno is a life insurer; all its premium in FY 2025 is life insurance.
Is UNIQA životno well capitalised?
UNIQA životno's solvency margin was 158% at 31 December 2025: it covered its required solvency margin 1.6 times, against a median of 195% for the insurers in Serbia (local rules, not Solvency II).
Is UNIQA životno profitable?
UNIQA životno made a net loss of €0.499m in FY 2025, a return on equity of −6.9%.
Is UNIQA životno growing?
UNIQA životno's premium fell 7.4% in RSD in FY 2025 while the market in Serbia grew 8.0%.
Sources for this page
Premium and claims: National Bank of Serbia, quarterly tables T1, T3 and T10–T12 and the insurers' financial statements. The tables are linked under Sources by market; their figures are not changed, and Polisa's calculations are its own. Solvency margin: the insurer's annual report, where published. How these numbers are built.
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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.
Polisa. (2026). UNIQA životno (Serbia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/rs-uniqa-zivotno
BibTeXShow entry
@misc{polisa_insurers_rs_uniqa_zivotno_2026,
author = {{Polisa}},
title = {UNIQA životno (Serbia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/rs-uniqa-zivotno}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: NBS (written consent for non-commercial use (5 Nov 2026)), APR (personal non-commercial use only).