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Union poisťovňa

Achmea groupSlovakiaunion.sk ↗#8 of 13 in Slovakia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
SLASPO member statistics and Solvency II templates
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around November 2026

Sources for SlovakiaWhat changed

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Premium
€118m
3.7% of Slovakia
Growth
+3.8%
FY 2025 vs 2024, in EUR · market +7.4%
Life share
16%
of own premium
Capital cover
138%
SCR ratio · €47m held vs €34m required
Claims and costs
97%
combined ratio after reinsurance · gross 90% · market 89%
In shortNumber 8 of 13 in Slovakia with 3.7% of premium, growing slower than the market. Strongest in Credit & surety, with 54.1% of the line. Its non-life business made money on underwriting, with a combined ratio of 97% after reinsurance against 89% for the market. It holds 1.4 times the capital it must hold.

In the news30 Oct 2026: Achmea sells health insurer Union ZP to Dôvera but keeps Union poisťovňa All news for Slovakia

Latest resultsH1 2026, year to date: €60m of premium, +1.6% on H1 2025 (market +5.2%); share 3.6% (−0.1 pp), #8 of 13. More

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Union poisťovňa's line mix, and where it stands among the 13 insurers in Slovakia on each measure, FY 2025.

Line mix
Motor TPL24%
Property21%
Life16%
Other non-life13%
Casco12%
Accident5%
Liability4%
Health3%
Credit & surety2%
Size#8 of 13 by premium
€118m
larger than 42%median €124m
GrowthFY 2025 against 2024, in EUR
+3.8%
ahead of 17%median +8.1%
Claims and costsnon-life combined ratio, after reinsurance
97%
better than 18%median 94%
Capital coverSCR ratio: own funds ÷ SCR
138%
ahead of 14%median 166%
Return on equitynet profit ÷ average equity
12.7%
ahead of 43%median 13.9%

Each bar runs from the weakest to the strongest of the insurers in Slovakia 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
ČSOB Poisťovňa3.9%4.0%4.2%4.6%4.6%
MetLife Europe (branch)4.6%4.4%4.2%4.0%3.9%
Union poisťovňa3.0%4.4%4.3%3.8%3.7%
Komunálna poisťovňa4.5%4.2%4.0%3.9%3.7%
Wüstenrot poisťovňa2.1%2.0%1.9%2.0%2.3%

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 Achmea group

    1 company in 1 market · €118m premium, latest year

    No other company of this group in the markets covered.

    Company details

    Legal name
    Union poisťovňa, a. s.
    Registered seat
    Bratislava, Slovakia
    Website
    union.sk
    LEI
    097900BFCN0000010981

    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 Union poisťovňa

    Short answers from the figures on this page.

    What is Union poisťovňa's market share in Slovakia?

    Union poisťovňa wrote €118m of premium in FY 2025, 3.7% of all premium in Slovakia, ranking #8 of 13 insurers; its premium grew 3.8% on FY 2024.

    Who owns Union poisťovňa?

    Union poisťovňa is part of the Achmea group, its only company in the 18 markets on Polisa (FY 2025).

    What does Union poisťovňa sell?

    Union poisťovňa is a composite insurer; its largest lines in FY 2025 are motor TPL (24.1% of its premium), property (20.6%) and life insurance (16.2%).

    Is Union poisťovňa well capitalised?

    Union poisťovňa's SCR ratio was 138% at 31 December 2025: it held 1.4 times the capital Solvency II requires, against a median of 166% for the insurers in Slovakia.

    Is Union poisťovňa profitable?

    Union poisťovňa made a net profit of €6.5m in FY 2025, a return on equity of 12.7%; its non-life combined ratio was 97% after reinsurance.

    Is Union poisťovňa growing?

    Union poisťovňa's premium grew 3.8% in FY 2025, slower than the market in Slovakia (+7.4%).

    Sources for this page

    Premium, lines, claims and expenses: SLASPO member statistics, template S.05.01. Solvency: the per-company Solvency II templates SLASPO publishes (S.23.01). 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). Union poisťovňa (Slovakia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/sk-union-poistovna

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_sk_union_poistovna_2026,
  author       = {{Polisa}},
  title        = {Union poisťovňa (Slovakia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/sk-union-poistovna}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: SLASPO (no re-use terms published), NBS (free with credit, files unaltered), Register of Financial Statements (CC0), insurers' SFCRs (public disclosures, linked).