Croatia
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest news4 Nov 2026: Wiener osiguranje and VIG launch Global Assistance Adria in Croatia All news (10) →
Coverage The insurers shown cover the whole market. HANFA's total covers the 14 Croatian insurers. Polisa's total is their written premium from the SFCRs, €2,113m, 2.2% above HANFA's collected premium of €2,067m. Four EU branches and about 145 cross-border insurers publish no Croatian premium; EIOPA puts cross-border direct premium at about €57m. EIOPA does not endorse this publication and is in no way liable for copyright or other rights infringements, nor for the consequences of using its data. Source.
Market share by insurer
Latest quarter: Jan–Sep 2026
Premium collected Jan–Sep 2026, year to date: €1.64bn, +6.1% against Jan–Sep 2025 in local currency. Share change in percentage points against the same period a year earlier. Croatia's quarterly figures are HANFA's collected premium (the full years: written premium from the SFCRs).
Largest insurers, Jan–Sep 2026
Premium year to date and growth; the bar is the share, its change in points under it.
Gains and losses in share
Change in share against Jan–Sep 2025, in percentage points; an insurer with no premium now has lost its whole share.
- Adriatic osiguranje · 15 Apr 2026: Adriatic osiguranje moves to take its shares off the Zagreb Stock Exchange
- Croatia osiguranje · 31 Mar 2026: Storm: Croatia osiguranje receives 900+ claims, average payout ~30% above 2023
- Groupama osiguranje · 10 Sep 2026: Groupama to sell Slovenian Vzajemna's health insurance in Croatia
All figures
| Insurer | Jan–Sep 2026 €m | Share | Δ pp | Jan–Sep 2025 €m | Growth |
|---|---|---|---|---|---|
| Croatia osiguranje | 436.8 | 26.7% | +0.5 | 404.2 | +8.1% |
| Euroherc osiguranje | 213.0 | 13.0% | +0.1 | 198.6 | +7.2% |
| Adriatic osiguranje | 194.5 | 11.9% | −0.6 | 192.0 | +1.3% |
| Allianz Hrvatska | 167.5 | 10.2% | −0.7 | 169.2 | −1.0% |
| Wiener osiguranje VIG | 134.3 | 8.2% | +0.1 | 125.4 | +7.1% |
| Generali osiguranje | 125.9 | 7.7% | +0.2 | 115.4 | +9.1% |
| UNIQA osiguranje | 94.2 | 5.8% | +0.1 | 86.5 | +8.8% |
| Triglav osiguranje | 84.5 | 5.2% | +0.6 | 70.5 | +19.7% |
| GRAWE Hrvatska | 59.1 | 3.6% | −0.2 | 58.4 | +1.3% |
| HOK osiguranje | 45.2 | 2.8% | −0.0 | 43.3 | +4.4% |
| Agram Life | 40.0 | 2.4% | −0.1 | 39.8 | +0.7% |
| Merkur osiguranje | 27.9 | 1.7% | −0.1 | 28.4 | −1.7% |
| Groupama osiguranje | 10.9 | 0.7% | +0.2 | 7.9 | +37.7% |
| Hrvatsko kreditno osiguranje | 2.0 | 0.1% | −0.0 | 1.9 | +3.7% |
| Market | 1,635.8 | 100% | 1,541.6 | +6.1% |
Each insurer's figures: All insurers, growth and latest quarter → · Full-year outlook →
What's happening in Croatia
The latest news on the market's insurers and their supervisor, newest first: facts in Polisa's own words, each with its source.
- CompanyWiener osiguranje and VIG launch Global Assistance Adria in Croatia
Wiener osiguranje and Vienna Insurance Group set up a Croatian assistance company within VIG's Global Assistance network. It starts with round-the-clock motor assistance such as towing and replacement cars; other lines may follow.
Wiener osiguranje VIGSource: osiguranje.hr - ResultsCroatia osiguranje lifts nine-month net profit 12% to €64.7m
Adris group's nine-month report puts Croatia osiguranje's net profit before minority interests at €64.7m, up 12%. Insurance revenue, including regional subsidiaries, rose 10% to €489m, and its share of Croatian premium was 28.3%.
Croatia osiguranjeSource: osiguranje.hr - LawInsurer crisis-resolution bill goes to parliament, with HANFA as resolution authority
The government sent parliament a draft law on resolving insurers and reinsurers in crisis. HANFA would take on the resolution role, kept separate from its supervision; the finance ministry said Croatia had no such framework so far.
Source: XPRIMM - ResultsHANFA: premium collected up 6.1% to €1.6bn in January–September 2026
Life premium rose 3.5% to €251.5m and non-life 6.6% to €1.4bn. Claims paid grew 7.3% to €947.1m, with non-life claims up 15.0% and life claims down 10.2%; 14 insurers were active.
Source: HANFA
6 earlier
- SupervisorHANFA: natural-disaster insurance premiums grew about 10% a year in 2020–2025
Speaking at insurance panels, HANFA said natural-disaster premiums rose by about 10% a year on average in 2020–2025, while EIOPA data put Croatia among the four EU countries with the widest natural-catastrophe protection gap.
Source: HANFA - DealGroupama to sell Slovenian Vzajemna's health insurance in Croatia
In a distribution deal announced by Vzajemna, Groupama's Croatian arm will offer Vzajemna's health policy through its channels, while Vzajemna sells Groupama motor and home cover in Slovenia. No start date was set.
Groupama osiguranjeSource: XPRIMM - LawFinance ministry presents Insurance Act changes and an insurer recovery law
The Ministry of Finance presented amendments to the Insurance Act that transpose the revised Solvency II rules, plus a new act on recovery and resolution of insurers under the EU IRRD, which requires insurers to draw up recovery plans.
Source: XPRIMM - CompanyAdriatic osiguranje moves to take its shares off the Zagreb Stock Exchange
The Agram group insurer called an extraordinary general meeting for 22 April 2026 to vote on delisting. Shareholders who vote against may sell their shares to the company at €522.83 each, the three-month weighted average price.
Adriatic osiguranjeSource: osiguranje.hr (seebiz.eu) - CatastropheStorm: Croatia osiguranje receives 900+ claims, average payout ~30% above 2023
After severe weather hit Zagreb and parts of central and northern Croatia, Croatia osiguranje had more than 900 claims, about 80% for property. It said average payouts ran about 30% higher than after the 2023 storm.
Croatia osiguranjeSource: Lider - ResultsHANFA: premium collected in 2025 rose 7.5% to €2.07bn
Non-life premium grew 9.1% to €1.7bn, while life was almost flat at €335.9m (+0.2%). Claims paid fell 3% to €1.2bn, and 14 insurers were operating in December 2025.
Source: Novi list (Hina, HANFA data)
Five-year trend
Premium
Market share of the five largest
Lines in Croatia
All figures
Motor TPL, FY 2024: average premium €163 per policy, average claim €2,435. Prices in every market on the Motor TPL page →
Claims paid in Croatia
Insurers paid €1.22bn to their customers in FY 2025, −3.0% on FY 2024 in euros: €59 for every €100 of premium. Non-life claims were €857m; life insurance benefits €364m.
Premium and claims paid, FY 2021–2025
PremiumClaims paid% claims paid per €100 of premium
Claims paid by line, FY 2025
Claims and benefits paid in the year by the insurers with their seat in Croatia, before reinsurance; branches of EU insurers are not counted; life includes maturities and surrenders. Source: HANFA insurance statistics. Cash paid in the year, not the claims incurred that the combined ratios on this page are built from. Claims across all markets →
Reinsurance in Croatia
Share of non-life premium ceded, by line
Largest cedents
All figures
Capital cover across the market
Groups present
Each group's share of this market, its companies here, and where else it operates.
Profit and capital
Net profit by year
All figures
Each insurer's profit, return on equity and ratios: All insurers, solvency and profit →
Staff and premium per employee
FY 2025 premium over the insurers' reported employees. Agents, banks and group service companies are not employees, so an insurer that sells through others looks more productive: compare insurers of the same type.
Premium per employee, FY 2025
Size and productivity, FY 2025
Each dot an insurer: employees across (log scale), premium per employee up; the larger the dot, the larger the premium.
By typeMedian per employee
All figures
| Insurer | Type | Employees | Premium €m | Premium per employee |
|---|---|---|---|---|
| Agram Life | composite | 120 | 52.6 | €438k |
| Adriatic osiguranje | non-life | 1,073 | 263.4 | €246k |
| Euroherc osiguranje | non-life | 1,169 | 277.8 | €238k |
| Hrvatsko kreditno osiguranje | non-life | 19 | 2.6 | €137k |
| Groupama osiguranje | life | 96 | 11.1 | €116k |
Staff: employees at the end of the year as printed in section A of the insurers' SFCRs, whole company including foreign branches (Euroherc in Austria, Adriatic in Italy); most Croatian insurers print no headcount there and are not shown. Type: life where life insurance is 90% or more of the premium, non-life where it is 10% or less, composite in between. Productivity across all markets →
Questions about Croatia
Short answers from the figures on this page.
How big is the Croatia insurance market?
Insurers in Croatia wrote €2.11bn of premium in FY 2025, +7.4% on FY 2024. That is 2.3% of GDP and €545 per person.
Who is the largest insurer in Croatia?
Croatia osiguranje is the largest insurer in Croatia with 26.2% of premium (€553m) in FY 2025, ahead of Euroherc osiguranje (13.1%) and Adriatic osiguranje (12.5%); the three largest write 52% of the market.
How many insurance companies are there in Croatia?
14 insurers wrote premium in Croatia in FY 2025: 6 non-life, 1 life and 7 composite.
Which insurance groups are present in Croatia?
Polisa records 10 insurance groups in Croatia in FY 2025; the largest by premium are Agram 28.1%, Adris 26.2%, Allianz 11.0%, VIG 7.9%. Insurers with no group (independent or not in a group) write 2.9% of the premium.
What is the largest line of business in Croatia?
Motor TPL is the largest line in Croatia with 29.2% of premium (€616m) in FY 2025, then casco with 16.4%; life insurance is 16.0% of the market.
How well capitalised are the insurers in Croatia?
The median SCR ratio of the insurers in Croatia was 230% at 31 December 2025: the typical insurer held 2.3 times the capital Solvency II requires. All 14 insurers publish it.
RegulationRule changes5 rule changes that reach insurers in Croatia, with their dates
- Solvency II review · Applies from 30 January 2027
- The natural catastrophe protection gap · Framework presented 27 October 2026; first insurance measures due by the end of 2027
- AI Act: pricing rules for life and health delayed · High-risk rules from 2 December 2027
- Recovery and resolution of insurers · Applies from 30 January 2027
- DORA: digital operational resilience · In application since 17 January 2025
Spotted a wrong figure? Tell us and include the source.
All insurers
ExcelDownload CSVLicence| Insurer | Premium | Share |
|---|---|---|
| Croatia osiguranje | 553.2 | 26.2% |
| Euroherc osiguranje | 277.8 | 13.1% |
| Adriatic osiguranje | 263.4 | 12.5% |
| Allianz Hrvatska | 231.7 | 11.0% |
| Wiener osiguranje VIG | 167.1 | 7.9% |
| Generali osiguranje | 154.9 | 7.3% |
| UNIQA osiguranje | 117.6 | 5.6% |
| Triglav osiguranje | 103.3 | 4.9% |
| GRAWE Hrvatska | 79.7 | 3.8% |
| HOK osiguranje | 58.5 | 2.8% |
| Agram Life | 52.6 | 2.5% |
| Merkur osiguranje | 39.1 | 1.9% |
| Groupama osiguranje | 11.1 | 0.5% |
| Hrvatsko kreditno osiguranje | 2.6 | 0.1% |
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). Croatia insurance market: market shares, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/markets/hr
BibTeXShow entry
@misc{polisa_markets_hr_2026,
author = {{Polisa}},
title = {Croatia insurance market: market shares, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/markets/hr}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: HANFA (free re-use with credit), HUO (no re-use terms published), insurers' SFCRs (public disclosures, linked).