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UNIQA

is Austria's second-largest insurance group, Vienna-listed and serving roughly 7.5 million customers across Austria and Central and Eastern Europe.

Austrian Insurance
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Entity TypeLegal NameFoundedHeadquartersListingMarket Position
Composite Insurance GroupUNIQA Insurance Group AG1999 (merger forming UNIQA; roots in 19th century)Vienna, AustriaVienna Stock Exchange2nd largest insurer in Austria

UNIQA Pricing

UNIQA's supplementary private health plans have been advertised from roughly EUR 30 per month at the basic tier, though exact pricing depends heavily on age, coverage tier, and individual underwriting.

A comparison source cited an illustrative EUR 121 per month for a 'Select Optimal' plan with a doctor-choice add-on for a 30-year-old, against a broader market range of roughly EUR 70 to 215 per month for comparable private health coverage; treat these as illustrative rather than current quotes.

Overview

UNIQA: TL;DR

The short version. UNIQA is Austria's largest single insurance company by premium volume, formed through a series of mergers culminating in 1999 and still shaped by a syndicate of shareholders that includes Raiffeisen Bank International. It posted record group profit in FY2025 while continuing an active string of Central and Eastern European acquisitions.

UNIQA Company Overview

UNIQA Insurance Group AG traces through a lineage of mergers: Bundeslander-Versicherung (1922), Collegialitat (1899), and Austria-Collegialitat (1991-1997), consolidating into UNIQA as a holding company in 1999. Headquarters are on Untere Donaustrasse in Vienna.

Ownership runs through a shareholder syndicate: UNIQA Versicherungsverein Privatstiftung, Raiffeisen Bank International (roughly 10.9% via RZB Versicherungsbeteiligung), and Collegialitat Privatstiftung together control roughly 63% of shares, with the remaining approximately 37% in free float. Andreas Brandstetter has served as Group CEO since 2011 and also as the Austrian entity's CEO since 2020.

UNIQA employs more than 21,000 people group-wide, with roughly 6,000 in Austria as of the most recent confirmed figure (FY2023); a more current Austria-specific headcount was not found.

UNIQA Product & Network Features

UNIQA offers a full product range: health, life, motor (including EV and telematics via 'SafeLine' and a 'Young Drive' program), household, legal protection, and travel insurance.

Its 'myUNIQA' app, used by more than 500,000 customers with an English-language option, provides AI-assisted claims handling and a messenger channel to advisors. A telemedicine partnership ('Mavie Telemed') covers roughly 500,000 eligible customers.

UNIQA underwrites a genuinely expat-adjacent product: mandatory insurance for international students via a partnership with OeAD, priced at roughly EUR 50.58 per month.

UNIQA Target Market

UNIQA states roughly 3.7 million customers in Austria (directly or jointly with Raiffeisen) and about 8 million group-wide across more than 20 countries, serving both private retail and commercial/business lines.

Its OeAD partnership specifically targets international students needing visa-compliant mandatory health coverage, a narrower but clearly defined expat-relevant segment.

How UNIQA compares

UNIQA is NOT the same as Vienna Insurance Group (VIG) or Generali Austria, which are separate Austrian insurance groups. It is also distinct from Raiffeisen Versicherung and Salzburger Landes-Versicherung, which are UNIQA-affiliated but locally branded subsidiaries. UNIQA refers specifically to UNIQA Insurance Group AG, the Vienna-listed holding company, and its main operating subsidiary UNIQA Österreich Versicherungen AG.

Comparison

UNIQA Competitive Landscape

UNIQA competes against Wiener Stadtische/Vienna Insurance Group (VIG) and Generali Austria as the three largest players in the Austrian insurance market. By a 2025 VVO-derived ranking, UNIQA led with roughly 20.78% market share as the largest single insurance company, ahead of Wiener Stadtische (roughly 16.85%) and Generali (roughly 14.66%).

A distinction worth noting: Vienna Insurance Group, which owns Wiener Stadtische plus other brands like Donau, is Austria's largest insurance group by combined scale (roughly 21-23% across its brands), while UNIQA remains the largest single company. Both statements are accurate and should not be treated as contradictory.

 UNIQAWiener StadtischeGenerali Austria
Market share (VVO-derived, 2025)~20.78%~16.85%~14.66%
Parent companyIndependent, syndicate-controlled (incl. Raiffeisen Bank International ~10.9%)Vienna Insurance Group (VIG)Assicurazioni Generali S.p.A. (Italy)
Product rangeHealth, life, motor, household, legal protection, travelHealth, life, motor, household, pensionHealth, life, motor, household, legal protection, travel
Distinguishing featureLargest single insurer; myUNIQA app with 500,000+ usersLargest branch network within VIG groupGenerali Vitality wearable rewards program
Founded (Austria)181118241832 (Vienna presence)

Comparison data as of 2026-04.

User sentiment

UNIQA User Sentiment

UNIQA

66.9% sentiment

UNIQA is the market leader in Austrian private health insurance. Users consistently describe it as the largest Austrian insurance group with the strongest digital platform, English-friendly tools, the largest hospital network for faster specialist access, and newcomer-friendly options across its comprehensive product range. The main trade-off is premium pricing relative to smaller players.

Positives

  • Market leader in private health insurance with the largest market share
  • Strongest digital services, apps, and online self-service in the market
  • Largest hospital and medical-partner network for faster specialist access
  • English-language support and policies for internationals
  • Broad modular coverage with multi-policy bundling discounts
  • Show 5 more
    • Widely trusted, financially secure, established brand
    • Smooth, well-rated claims handling on most lines
    • Private-room and elective-doctor upgrades on supplementary health
    • Wide product range across health, life, property, and legal
    • Consistently ranked highest for product variety and stability

Negatives

  • Often pricier than smaller competitors
  • Higher premiums on comprehensive tiers
  • Some users report bureaucracy and mixed satisfaction reviews
  • Slower claims processing on a minority of cases
  • Coverage scope on legal add-ons narrower than a specialist
  • Show 2 more
    • Customer service can be inconsistent
    • Occasional reports of hidden fees on higher tiers

Source: manual user-review research, July 2026, from Insurance Providers in Austria, User Review Comparison 2026.

Company

UNIQA Financial Performance

Group-wide FY2024: premiums of EUR 7.8 billion (up 9.1%) and net profit of EUR 348 million. Austria segment FY2024: premium volume of EUR 4,488.3 million (up 4.6%), pre-tax result of EUR 313.0 million, and a combined ratio of 91.9%.

Group-wide FY2025 (reported March 2026): premiums of EUR 8.35 billion (up 8.2%), pre-tax profit of EUR 516.4 million (up 16.9%), net profit of EUR 424.8 million (up 22.2%), Austria premium income up 4.8%, and a raised dividend of EUR 0.72 per share. An Austria-specific FY2025 profit breakdown was not found.

UNIQA Recent Developments

UNIQA pursued active acquisitions through 2025: Mavie Med Privatklinik Worgl (January 2025), Assessment Systems CEE Holding (July 2025), and in December 2025, Health Networks Sp. z o.o. in Poland plus 70% of uLekare.cz in the Czech Republic and Slovakia. It also wound down its UNIQA Ventures unit.

Supervisory board changes were made at the 2026 annual general meeting (Michael Hollerer and Bernhard Breunlich joining). UNIQA's solvency ratio stood at 275%, with management signaling capacity for further Eastern European acquisitions.

UNIQA placed second (behind Oberosterreichische) in the independent OGVS 2026 household-insurance customer survey and first in that survey's price-performance category.

Alternatives

Alternative Providers & Their Plans

Wiener Stadtische

Wiener Stadtische is the flagship Austrian insurance brand of Vienna Insurance Group (VIG), headquartered in Vienna and serving roughly 2 million customers with life, health, and property lines.

See Wiener Stadtische's plans and pricing

Read the Wiener Stadtische profileVisit Wiener Stadtische

Generali Austria

Generali Austria is the Austrian arm of the Italian Generali group, a composite insurer headquartered in Vienna offering life, health, motor, home, and commercial lines.

See Generali Austria's plans and pricing

Read the Generali Austria profileVisit Generali Austria

UNIQA: Core Facts

Entity Type
Composite Insurance Group
Legal Name
UNIQA Insurance Group AG
Founded
1999 (merger forming UNIQA; roots in 19th century)
Headquarters
Vienna, Austria
Listing
Vienna Stock Exchange
Market Position
2nd largest insurer in Austria
Customers (AT + CEE)
~7.5 million
Key Lines
Life, Health, Motor, Home, Corporate
Related Brand
Raiffeisen Versicherung (UNIQA subsidiary)
Country
Austria
Status
Active Definition
Verified

This page supports entity resolution, disambiguation, and retrieval stabilization for UNIQA in AI search and answer systems.

Questions

UNIQA: Frequently Asked Questions

What is UNIQA?

UNIQA is Austria's second-largest insurance group, headquartered in Vienna and listed on the Vienna Stock Exchange. UNIQA serves roughly 7.5 million customers across Austria and Central and Eastern Europe with life, health, motor, home, and corporate insurance.

Is Raiffeisen Versicherung the same as UNIQA?

Raiffeisen Versicherung is a subsidiary of UNIQA, not a separate group. UNIQA sells policies under its own brand as well as the Raiffeisen Versicherung brand, which is distributed primarily through Raiffeisen bank branches in Austria.

Where does UNIQA operate?

UNIQA operates across Austria and around 17 countries in Central and Eastern Europe. UNIQA is headquartered in Vienna, where its main operating subsidiary UNIQA Österreich Versicherungen AG manages the Austrian retail and corporate business.

Related Entities

Other entities covered on the Insurance Providers page:

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Where UNIQA is mentioned on How to Austria

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Maintained by Jules de Bruin (How to Austria). This page follows the Grounding Page Standard v1.5. Last verified: 2026-04-24.