Safe all round: all insurance products under one roof

As a full-service insurer, we offer solutions in all central product groups – property and casualty, life and health insurance – and thus cover all of our customers’ needs. Our aim is to recognise developments in the market at an early stage and to refine our product range accordingly. We drive innovation, particularly in the areas of health, smart home and mobility, and combine traditional insurance expertise with a commitment to digital transformation. This makes us a reliable partner to retail customers and companies alike.

In 2025, we once again delivered on our promise of superior service: with a harmonised Customer Satisfaction Index of 4.6 stars (on a scale of 1 to 5), we have maintained our customer satisfaction at a very good level. We are also seeing steady growth in the uptake of our digital offerings. More than 700,000 customers already use the myUNIQA app and rate it with 4.7 stars. By expanding digital services and self-service processes, we are reducing costs and waiting times – especially in the benefits and claims process.

Premium distribution by product groups

Property and casualty insurance: protection against loss of assets

Property and casualty insurance is our largest business segment, accounting for around 60 per cent of our premiums. We protect retail and corporate customers against the financial consequences of accidents, natural disasters or business interruptions. Motor vehicle, liability, legal expenses and homeowner’s insurance remain in particularly high demand. At the same time, requirements relating to digital risks and renewable energy technology are increasing – areas in which we are constantly expanding our offering.

Our digital services in the area of property and casualty also received important upgrades in 2025: customers can now report motor claims directly in the myUNIQA app or online via our portal – a significant addition to the previous digital submission options for health and household insurance. For corporate customers, we launched myUNIQA business, Austria’s first comprehensive corporate customer portal. It creates transparency with regard to existing contracts, offers new self-service options and strengthens customer loyalty, especially in the SME segment.

Health insurance: health and prevention

With a market share of 44 per cent, we are the market leader in private health insurance in Austria. And we also see great potential for development in the CEE region. Our range of services includes inpatient and outpatient care and gives our customers quick, straightforward access to high-quality medical assistance – for example via our LARA healthcare network or the UNIQA Medical Partner Centers.

We are also consistently investing in preventive care and telemedicine. We promote active health with VitalPlan and VitalCheck, while digital health services facilitate counselling and diagnosis via video, chat or telephone. This makes it easier to access these services, shortens waiting times and supports our customers in their everyday lives.

Life insurance: providing for the future

Around 20 per cent of our premium revenues comes from life insurance. Here, our range extends from classic capital-forming solutions to unit-linked models. As customers increasingly want flexibility in how they make provision for the future, we have created products that can be customised and combine capital guarantees with fair cost structures. Flexible structuring over the entire term is a central component of these offerings.

We continue to see considerable potential for this business line in the CEE region, because as the standard of living rises, so too does the need for long-term protection. Austria currently accounts for 52 per cent of life insurance premiums and the CEE region for 48 per cent. In view of the challenges facing state pension schemes, private retirement provision is also becoming increasingly important.

Digital services: ongoing expansion

We are making substantial ongoing investments in digital solutions to offer our customers faster, more explicit and more convenient services. AI-supported processes speed up claims management and make procedures simpler and more transparent for customers. We are also increasingly focusing on digital channels for advising customers: chatbots, virtual assistants and online tools provide support in navigating our product range and designing customised insurance solutions.

By constantly expanding our digital services – including the option of concluding contracts online and submitting claims directly via the app – we are increasing efficiency and user-friendliness at the same time. This creates modern, transparent processes that offer our customers genuine added value.

New Group-wide brand identity

In March 2025, we launched a new, highly modernised brand identity and rolled it out across the entire Group. It is rooted in our founding idea from 1811, focusing on the brand promise of “living better together” – translated into the respective national language – and establishing a consistent through-line from brand communication to product and service communication. The concept focuses on real-life stories showcasing the power of the UNIQA community. This is deliberately done in very short and concise formats in order to do justice to changing media consumption behaviour and to be suitable for use in all channels from TV to digital and social media. The new brand identity ensures a uniform strategic orientation for the UNIQA brand across all markets while allowing for local flexibility.