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Vzajemna

Sloveniavzajemna.si ↗#9 of 15 in Slovenia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
SZZ member statistics; lines, solvency and claims from each domestic insurer's SFCR
Latest figures
FY 2025, H1 2025
Next update
Q1 2026, overdue since June 2026

Sources for SloveniaWhat changed

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Premium
€36m
1.1% of Slovenia
Growth
+13.8%
FY 2025 vs 2024, in EUR · market +32.7%
Life share
0%
of own premium
Capital cover
291%
SCR ratio · €68m held vs €23m required
Claims and costs
79%
combined ratio after reinsurance · gross 80% · market 84%
In shortNumber 9 of 15 in Slovenia with 1.1% of premium, growing slower than the market. Strongest in Health, with 34.5% of the line. Its non-life business made money on underwriting, with a combined ratio of 79% after reinsurance against 84% for the market. It holds 2.9 times the capital it must hold.

In the news10 Sep 2026: Vzajemna and Groupama agree to sell each other's policies in Slovenia and Croatia All news for Slovenia

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Vzajemna's line mix, and where it stands among the 15 insurers in Slovenia on each measure, FY 2025.

Line mix
Health73%
Accident27%
Size#9 of 15 by premium
€36m
larger than 43%median €54m
GrowthFY 2025 against 2024, in EUR
+13.8%
ahead of 57%median +10.7%
Claims and costsnon-life combined ratio, after reinsurance
79%
better than 83%median 83%
Capital coverSCR ratio: own funds ÷ SCR
291%
ahead of 89%median 261%
Return on equitynet profit ÷ average equity
−2.6%
ahead of 0%median 12.7%

Each bar runs from the weakest to the strongest of the insurers in Slovenia 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
Vzajemna13.1%12.9%10.8%1.2%1.1%
Allianz Slovenija (branch)0.7%0.9%1.2%1.5%0.9%
Coface (branch)0.5%0.4%0.4%0.5%0.4%
ARAG (branch)0.1%0.1%0.1%0.1%0.1%

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
    VZAJEMNA Zdravstvena zavarovalnica, d.v.z.
    Registered seat
    Ljubljana, Slovenia
    Website
    vzajemna.si
    LEI
    48510000JYXA7227FO19

    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 Vzajemna

    Short answers from the figures on this page.

    What is Vzajemna's market share in Slovenia?

    Vzajemna wrote €35.9m of premium in FY 2025, 1.1% of all premium in Slovenia, ranking #9 of 15 insurers; its premium grew 13.8% on FY 2024.

    Who owns Vzajemna?

    Polisa records no group for Vzajemna in FY 2025.

    What does Vzajemna sell?

    Vzajemna is a non-life insurer; its largest lines in FY 2025 are health (72.6% of its premium), accident (27.1%) and property (0.3%).

    Is Vzajemna well capitalised?

    Vzajemna's SCR ratio was 291% at 31 December 2025: it held 2.9 times the capital Solvency II requires, against a median of 261% for the insurers in Slovenia.

    Is Vzajemna profitable?

    Vzajemna made a net loss of €1.96m in FY 2025, a return on equity of −2.6%; its non-life combined ratio was 79% after reinsurance.

    Is Vzajemna growing?

    Vzajemna's premium grew 13.8% in FY 2025, slower than the market in Slovenia (+32.7%).

    Sources for this page

    Premium: Slovenian Insurance Association (SZZ), premium of member insurers by quarter. 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). Vzajemna (Slovenia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/si-vzajemna

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_si_vzajemna_2026,
  author       = {{Polisa}},
  title        = {Vzajemna (Slovenia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/si-vzajemna}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: SZZ (written consent only), AZN (public information, no licence stated), insurers' SFCRs (public disclosures, linked).