Highlights of 2025
UNIQA Group
Standard & Poor’s raises ratings
In November 2025, international rating agency Standard & Poor’s (S&P) raised the rating for UNIQA Österreich Versicherungen AG, the reinsurance company UNIQA Re AG in Zurich and UNIQA Towarzystwo Ubezpieczeń S.A. in Poland to A+. S&P also upgraded the long-term issuer rating for UNIQA Insurance Group AG from A– to A. The outlook for all companies remains stable. The rating is based on our consistently strong and resilient operating performance, our robust capitalisation and our broader revenue and earnings diversification. S&P also highlighted our continuous development, which intensified even further following the acquisition of the AXA companies in the CEE region in 2020.
“UNIQA 3.0 – Growing Impact” strategy update: financial targets raised
We were able to present a positive interim review during a capital market update in Vienna and London at the end of November 2025, just under one year after presenting our new “UNIQA 3.0 – Growing Impact” strategy. We had already exceeded our targets in the first year, sometimes by a considerable amount, thanks to our strong performance and high cost and capital discipline. We raised our financial ambitions as a result of this and are now targeting average annual premium growth of 6 per cent by 2028. With a combined ratio of no more than 93 per cent, earnings after tax should continue to rise by at least 7 per cent annually. The return on equity is expected to remain stable at over 13 per cent. At the same time, we are committed to a progressive dividend strategy with a payout ratio of 50 to 60 per cent and rising dividends.
Boosting the climate strategy: official membership of the PCAF
The UNIQA Group joined the international climate initiative Partnership for Carbon Accounting Financials (PCAF) in June 2025. As an official member, we undertake to record and disclose the GHG emissions from our financing, investing and underwriting activities transparently in accordance with uniform standards based on scientific principles. PCAF membership boosts our ESG strategy and complements our transition plan by way of which we are aiming for net zero in Austria by 2040 and across the Group by 2050. In addition, applying the internationally recognised standards means that we can make a quantifiable contribution to achieving the Paris climate targets, improve the management of climate-related risks and enhance comparability of GHG emissions within the industry.
Full membership of the CRO Forum
Following years of participation, the UNIQA Group became a full member in early 2025 of the international CRO Forum, an association of major international insurance companies that addresses risk management topics. This enables us to contribute our expertise even more effectively to international dialogue and exchange within our industry and to help shape regulatory and professional developments in Europe. This applies in particular to the area of natural disasters and climate risks, where we are able to make contributions to further development of risk management practices in the insurance industry as a whole thanks to the expertise of our NatCat Competence Centre.
External recognition for our ESG strategy
Two recent ratings confirmed our sustainable course in the past year: UNIQA proved to be the industry winner among Austria’s insurance companies in the ESG Performance Ranking 2025 from auditing firm PwC Austria. In the renowned climate rating of the international non-profit organisation Carbon Disclosure Project, we also achieved a significantly higher result than before with an A–. Both ratings are based on our clear net-zero strategy and, as a result, on our exit from fossil fuels and expansion of our green business activities. We have already made around €2.5 billion of sustainable investments and are promoting climate-friendly technologies and reinforcing our management of climate risks through our subsidiary UNIQA Sustainable Business Solutions, which was founded in 2024.
Austria
New regional offices in Salzburg and Tyrol
We were able to officially reopen two of our regional offices in March 2025 following extensive refurbishment and modernisation. The Salzburg regional office, located near the Europark, offers our customers flexible consultations and an integrated vehicle registration office with the UNIQA Profit Center in Salzburg. State-of-the-art workstations, a training centre, and meeting rooms and workspaces were created on three levels at the Tyrol regional office in Innsbruck. Both locations boost our regional presence in the federal provinces and create an environment in which advice and support can be provided at the highest level, not least thanks to high sustainability and accessibility standards.
Facade greening in Graz wins WGIN Award
The greening of the 800 m2 façade of UNIQA’s Styrian regional office in Graz won the prestigious WGIN Award 2025 conferred by the World Green Infrastructure Network and was thereby recognised as an international flagship project. The project is considered a scalable flagship example of climate-resilient green infrastructure in densely built-up city centres that promotes biodiversity and has a social impact. Implemented back in 2019, the greening improves the microclimate and energy balance and boosts biodiversity. The award underlines our consistent commitment to sustainability and our clear journey towards net zero emissions.
New products: focused on customer needs
The only constant in life is change. We respond to this with innovative and flexible insurance solutions. Since September 2025, our customers have, for instance, been able to customise their private medical insurance to suit their stage of life and pocket. “Privatarzt neu” allows customers to plan self-determined healthcare provision that can be modified free of charge and at any time without a medical examination. In addition, new additional modules allow families, young people and older consumers to enjoy highly personalised cover. We have also been offering modular and additional options in motor vehicle insurance with customised combination options since April 2025. This allows our customers to tailor both their liability insurance and their comprehensive insurance even more precisely to their personal needs with new product modules.
AssCompact Award 2025: UNIQA scores points on multiple fronts
In October 2025, UNIQA once again received several awards at the annual AssCompact Trend Day: in addition to first place in the “Accident Insurance” category for our new product, which was praised for its high level of flexibility, we were also delighted to be awarded silver in the “Health Insurance” and “Best Service for Brokers” categories. The holistic approach of our health start-up Mavie, our strong regional presence and our digital services were highlighted here in a positive light. Finally, we took third place in the “Unit-linked life insurance” category – not least due to the broad diversification and flexibility of our product. The awards are all based on independent broker ratings.
CEE
Accelerated growth in CEE: strategic expansion and regional synergies
UNIQA is increasing its growth momentum in CEE and consolidating its position in the world’s most dynamic insurance region. We expanded our strong market position even further with an increase in premiums of 10 per cent to €3.4 billion in 2025. Almost 80 per cent of our customers and 42 per cent of our premiums already originate from the CEE region. The SEE6 region is particularly successful here, with over €500 million in premiums and 2.5 million customers. It benefits from close collaboration across national borders, cultural transformation and shared platforms. We are continuing to drive development in all of our markets in the CEE region with strong partnerships, digital innovation and clear growth targets.
Strong together: UNIQA shows solidarity for Ukraine
We reaffirmed our unreserved solidarity with Ukraine once again in 2025. Since the beginning of the war, we have been providing support for our roughly 840 employees and their families, but also beyond that. We have already spent a total of around €6 million on relief supplies and donations. Despite the challenging conditions, UNIQA Ukraine remains fully operational and offers reliable insurance cover to more than one million customers. The ongoing commitment of our employees highlights our Group’s responsibility to ensure security, stability and support, including in the future.
Mavie Work: acquisition massively increases CEE presence
Mavie Work, part of our holistic healthcare brand Mavie, massively expanded its presence in CEE and its portfolio of services in August 2025 with the acquisition of Assessment Systems, a leading provider of personality diagnostics for talent and manager development. As a result of the acquisition, Mavie Work’s services are now also being offered in Czechia, Slovakia, Hungary, Poland, Croatia and Serbia in addition to Austria and Germany. Mavie Work is now the leading provider of holistic occupational health in the CEE region. Shortly before the end of 2025, Mavie Next also announced the acquisition of a majority stake of 70 per cent in the Czech healthcare provider uLekare.cz, the leading digital healthcare platform in Czechia, Slovakia and Hungary. More than 270 corporate customers with over 150,000 employees use uLekare.cz’s digital platform, which seamlessly combines digital and physical healthcare.
UNIQA as official insurance partner of the 2026 European Water Polo Championship
UNIQA is supporting the 2026 Men’s European Water Polo Championship in Belgrade as the official insurance partner and providing comprehensive protection for athletes, organisers, volunteers, spectators and the event arena. The tournament with 16 top national teams – including many from UNIQA markets such as Croatia, Hungary, Montenegro, Romania, Serbia and Slovakia – provides a strong platform for our brand. Through reliable coverage, UNIQA is creating the conditions to facilitate peak performance and fair competitions. The partnership brings our brand values to life in an authentic way and boosts our presence throughout the Southeastern Europe region.
UNIQA SEE: cooperation as a driver for growth
The SEE6 region is becoming a key growth driver for UNIQA with over 2.5 million customers and high satisfaction rates. At the SEE Regional Days in Tivat, it became clear how much the region benefits from genuine cross-border cooperation. Teams from six countries have been working together since 2022 on IT solutions, new products and digital services – from telemedicine in Croatia, Serbia, Montenegro and Bosnia and Herzegovina to innovative offerings such as MedUNIQA in Bulgaria or the digital assistant ANA in Romania. The new MyUNIQA portal also marks the start of a standardised customer journey in the region. Growth is complemented by social responsibility: the UNIQA SEE FUTURE Foundation promotes young talent in sport, culture and sustainability.
UNIQA Sustainable: expansion into Hungary and Romania consolidates regional leadership role
One year after its launch, UNIQA Sustainable is significantly expanding its presence: the company has also been active in Hungary since 1 July 2025 and the new SEE division has been established – with Romania as the regional hub for all six of our markets in the region. UNIQA Sustainable is thereby becoming a key partner for companies that need to manage climate risks and rising market complexity. More than 50 experts offer risk assessments, loss prevention and training. In addition to traditional insurance, we also support our corporate customers with integrated solutions – from climate risk analyses to carbon footprint measurements. The aim is to make the companies more resilient and sustainable – and to lead the region towards a climate-friendly future over the long term.