{"product_id":"uniqa-business-model-canvas","title":"Uniqa Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA Business Model Canvas: Clear View of Strategy, Customers, and Value Creation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore a concise Business Model Canvas that shows how UNIQA creates value through life, health, and property and casualty insurance, serves both individual and corporate clients, and converts regional reach into sustainable revenue. Built for investors, consultants, and strategists, it provides a practical framework for understanding customer segments, monetization logic, key partnerships, and growth priorities across Central and Eastern Europe. Purchase the full Word \u0026amp; Excel files for company-specific insights, SWOT implications, and a structured base for benchmarking or strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Bancassurance with Raiffeisen Bank\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe long-standing bancassurance tie-up with Raiffeisen Bank International anchors UNIQA across Central and Eastern Europe, granting exclusive access to ~10 million retail customers and 200k corporate clients in 2025; this channel drove 28% of UNIQA's new retail premiums in 2024. By end-2025 the partnership became a fully integrated digital ecosystem, bundling banking and insurance products via shared APIs, lifting cross-sell conversion rates to ~14% and reducing acquisition cost per policy by 22%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Reinsurance Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA partners with global reinsurers such as Munich Re and Swiss Re to cede portions of catastrophe and large industrial exposures, securing capital stability; reinsurance recoverables helped UNIQA keep its Solvency II ratio above 200% in FY2024 (reported 205% at 31.12.2024) and capped peak loss impacts after the 2023 floods at ~€150m net.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHealth Care and Medical Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA partners with 1,200+ hospitals, private clinics and 4,500 diagnostic centers across Austria and CEE to serve its health-insurance customers, securing priority access and streamlined billing; in 2024 UNIQA's health segment accounted for ~28% of group premiums (€1.05bn of €3.75bn). \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurTech and Technology Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnder UNIQA 3.0, partnerships with InsurTechs and software vendors supply AI underwriting, automated claims and richer mobile features, cutting new digital product time-to-market by ~40% and boosting operational efficiency; by 2025 these integrations supported a 25% rise in digital premiums and reduced claims handling costs by ~18%.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAI underwriting: faster risk scoring, ~40% quicker launches\u003c\/li\u003e\n\u003cli\u003eClaims automation: ~18% cost cut, 30% faster settlement\u003c\/li\u003e\n\u003cli\u003eMobile features: 25% increase in digital premiums by 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Broker and Agency Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBeyond its exclusive sales force, UNIQA leans on ~12,000 independent brokers and multi-agent outfits to access niche commercial and industrial clients, contributing roughly 28% of group premiums in 2024.\u003c\/p\u003e\n\u003cp\u003eThese partners deliver expert advisory work and use UNIQA's regular training plus advanced digital portals (agent app, e-quoting) to sell and manage complex products efficiently.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~12,000 brokers network\u003c\/li\u003e\n\u003cli\u003e28% of premiums (2024)\u003c\/li\u003e\n\u003cli\u003eRegular training programs\u003c\/li\u003e\n\u003cli\u003eAdvanced digital portals (e-quoting, agent app)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA partnerships power 28% retail growth, 205% solvency \u0026amp; +25% digital premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA's key partnerships-Raiffeisen bancassurance, Munich Re\/Swiss Re reinsurance, 1,200+ healthcare providers, 12,000 brokers, and InsurTech vendors-drove 28% of retail new premiums (2024), kept Solvency II ~205% (31.12.2024), and boosted digital premiums +25% by 2025 while cutting acquisition costs 22% and claims costs 18%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRaiffeisen\u003c\/td\u003e\n\u003ctd\u003eRetail reach\u003c\/td\u003e\n\u003ctd\u003e~10m cust.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinsurers\u003c\/td\u003e\n\u003ctd\u003eSolvency II\u003c\/td\u003e\n\u003ctd\u003e205%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHealth network\u003c\/td\u003e\n\u003ctd\u003ePremiums\u003c\/td\u003e\n\u003ctd\u003e€1.05bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurTechs\u003c\/td\u003e\n\u003ctd\u003eDigital growth\u003c\/td\u003e\n\u003ctd\u003e+25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-crafted Business Model Canvas for Uniqa, detailing customer segments, channels, value propositions, key activities, resources, partnerships, cost structure, and revenue streams aligned with the company's real-world strategy and operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level, editable Business Model Canvas that condenses Uniqa's strategy into a shareable one-page snapshot-ideal for fast internal reviews, boardroom briefings, or comparing models side-by-side while saving hours of formatting.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnderwriting and Risk Assessment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA's underwriting and risk assessment uses actuarial models and big-data analytics to set premiums across life, health, and P\/C lines; in 2024 UNIQA Group reported gross written premiums of €6.5bn, with combined ratio ~97% in CEE, showing pricing discipline. This activity preserves a balanced risk pool and solvency-UNIQA's Solvency II ratio stood at ~220% at YE2024-ensuring capacity to meet future claims.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims Management and Settlement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEfficient claims processing drives UNIQA's customer trust; in 2024 UNIQA handled ~1.2 million claims with a median settlement time cut to 3 days after mobile app rollouts in 2022-24, boosting NPS by 7 points.\u003c\/p\u003e\n\u003cp\u003eUNIQA emphasizes fair, transparent payouts and uses AI-powered fraud detection that flagged ~18% of suspicious cases in 2024, reducing loss ratios by an estimated 0.6 percentage points.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Asset Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA manages a multi-billion euro investment portfolio-€26.4bn of total investments at YE 2024-deploying premium income across bonds, equities, real estate and alternatives to generate returns and cover long-term liabilities while meeting Solvency II capital requirements. The team balances risk and return via duration, credit and liquidity limits, and since 2022 has increased ESG-weighted assets to 38% of AUM to align growth with sustainable investment goals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProduct Innovation and Design\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUNIQA continuously develops new insurance solutions-like cyber cover and climate-linked products-to meet rising demand; in 2024 UNIQA reported ~€6.3bn gross written premiums, with non-life growth driven by specialty lines, signaling product innovation pays off.\u003c\/p\u003e\n\u003cp\u003eProduct teams build flexible, modular packages that can be tailored by age, SME size, or region, reducing time-to-market and boosting retention in volatile markets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eModular products: faster customization\u003c\/li\u003e\n\u003cli\u003eCyber \u0026amp; climate: rising share of premiums\u003c\/li\u003e\n\u003cli\u003e2024 GWP: ~€6.3bn (UNIQA Group)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Optimization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUNIQA develops and maintains the myUNIQA platform and digital interfaces to deliver a seamless omnichannel experience for policy management, claims tracking, and advisor contact, targeting a 20% annual increase in digital active users (reached ~1.2 million in 2024).\u003c\/p\u003e\n\u003cp\u003eContinuous feature releases and cybersecurity upgrades-part of a €45m 2024-25 digital spend-reduce incident rates and improve NPS; 68% of claims were filed digitally in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.2m digital users (2024)\u003c\/li\u003e\n\u003cli\u003e68% claims filed digitally (2024)\u003c\/li\u003e\n\u003cli\u003e€45m allocated to digital 2024-25\u003c\/li\u003e\n\u003cli\u003e20% target annual growth in digital activity\u003c\/li\u003e\n\u003cli\u003eOngoing cybersecurity upgrades\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA 2024: €6.4bn GWP, 220% solvency, 1.2m claims\/users, €26.4bn AUM, 38% ESG\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA's core activities: risk pricing \u0026amp; underwriting (GWP ~€6.3-6.5bn in 2024; Solvency II ~220% YE2024), claims processing (≈1.2m claims; median settlement 3 days; 68% digital), investment management (€26.4bn AUM YE2024; 38% ESG-weighted) and digital platform ops (1.2m digital users; €45m digital budget 2024-25).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP\u003c\/td\u003e\n\u003ctd\u003e€6.3-6.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolvency II\u003c\/td\u003e\n\u003ctd\u003e~220%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims\u003c\/td\u003e\n\u003ctd\u003e1.2m (median 3 days)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users\u003c\/td\u003e\n\u003ctd\u003e1.2m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestments\u003c\/td\u003e\n\u003ctd\u003e€26.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG share\u003c\/td\u003e\n\u003ctd\u003e38%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital spend\u003c\/td\u003e\n\u003ctd\u003e€45m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document previewed here is the exact Uniqa Business Model Canvas you will receive-no mockups or samples-showing the real structure, content, and layout you'll get after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll instantly download the same professional, ready-to-edit file in its full form, formatted for practical use in strategy, presentations, or implementation.\u003c\/p\u003e\n\u003cp\u003eWe provide full transparency: what you see is what you'll own-complete, editable, and prepared for immediate application.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Brand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA is among the top insurers in Austria and CEE, with a 2024 brand recognition reaching ~72% in core markets and a 2024 combined ratio of 93.7% showing underwriting strength; this reputation drives acquisition and retention in a crowded market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive CEE Distribution Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA's physical footprint across 17 Central and Eastern European countries gives it a clear edge: about 20,000 employees, 6,500 exclusive agents and 450 branches (2024 IFRS figures) enable deep local market knowledge and personal client interaction.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Actuarial Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA's workforce-about 4,800 employees across Central and Eastern Europe, including roughly 250 actuaries and 400 risk\/financial advisors-forms its core intellectual asset, enabling sophisticated risk models and tailored advice that digital-only rivals lack. Continuous professional development (over 12,000 training hours in 2024) keeps staff current with IFRS 17, Solvency II updates, and market shifts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Financial Capital and Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA's strong capital base and Solvency II ratio of 198% (FY2024) ensures it can meet long-term policyholder claims and absorb shocks, while EUR 3.4bn in regulatory own funds (end-2024) funds strategic investments.\u003c\/p\u003e\n\u003cp\u003eMaintaining an A- credit rating (S\u0026amp;P affirmed 2024) secures lower funding costs and ready market access for growth or M\u0026amp;A.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSolvency II ratio: 198% (FY2024)\u003c\/li\u003e\n\u003cli\u003eRegulatory own funds: EUR 3.4bn (end-2024)\u003c\/li\u003e\n\u003cli\u003eCredit rating: A- (S\u0026amp;P, 2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced IT Infrastructure and Data\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA runs modern data centers, cloud platforms, and proprietary databases that process 1.2+ billion customer events\/year to power personalized marketing and granular risk models.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 the data architecture enables real-time analytics and AI, cutting claim processing time 35% and improving loss-ratio accuracy by ~4 percentage points.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.2+ billion events\/year\u003c\/li\u003e\n\u003cli\u003e35% faster claim processing\u003c\/li\u003e\n\u003cli\u003e~4 pp better loss-ratio accuracy\u003c\/li\u003e\n\u003cli\u003eReal-time analytics + production AI (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA: Strong brand, robust capital (SII 198%), A‑ S\u0026amp;P, AI‑driven claims efficiency\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA's key resources: strong brand (72% recognition, 2024), Solvency II ratio 198% and EUR 3.4bn own funds (end‑2024), A- S\u0026amp;P (2024), 20,000 staff\/6,500 agents\/450 branches, 1.2bn+ events\/year and real‑time AI by 2025 (35% faster claims, ~4 pp better loss ratio).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrand\u003c\/td\u003e\n\u003ctd\u003e72% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolvency II\u003c\/td\u003e\n\u003ctd\u003e198% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOwn funds\u003c\/td\u003e\n\u003ctd\u003eEUR 3.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredit\u003c\/td\u003e\n\u003ctd\u003eA- S\u0026amp;P (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\/agents\/branches\u003c\/td\u003e\n\u003ctd\u003e20,000\/6,500\/450\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eData events\u003c\/td\u003e\n\u003ctd\u003e1.2bn+\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims\/accuracy\u003c\/td\u003e\n\u003ctd\u003e-35% time \/ +4 pp\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e360 Degree Holistic Protection\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA bundles health, home, motor, and pension products so clients get one-provider cover across life stages; as of 2024 UNIQA Group served ~10.6 million customers and reported €4.6bn gross written premiums in FY2023, enabling coordinated risk management and admin consolidation.\u003c\/p\u003e\n\u003cp\u003eThis reduces policy overlap and claim friction-clients cut average admin touchpoints from 4 to 1 and gain faster claims resolution; the main value is convenience and peace of mind from a single, audited safety net.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Expertise in CEE Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor cross-border firms in Central and Eastern Europe, UNIQA pairs local legal, tax, and cultural know-how with EU-grade underwriting and risk management; UNIQA serves 8.5 million customers in 11 CEE markets (2024), making tailored policies and claims handling 30-40% faster than many local rivals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUser-Centric Digital Convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThrough the myUNIQA app and online portals, UNIQA offers 24\/7 digital access to policies, claims and status tracking-reducing average claim handling time (Uniqa Group 2024) by ~30% and increasing digital self-service adoption to 62% of retail customers in 2024; customers get instant policy documents, rapid digital claims reporting, and clear status updates, saving time and simplifying insurance for modern users.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePreventive Health and Wellness Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUNIQA adds preventive health through UNIQA VitalCoach, offering personalized fitness and nutrition plans that cut claim frequency; pilots in 2024 showed a 12% reduction in short-term sick leave and a 6% lower medical-claim cost among active users.\u003c\/p\u003e\n\u003cp\u003eThat proactive care differentiates UNIQA from price-focused rivals, boosting retention and lowering loss ratios-VitalCoach users had a 3-point higher 2024 retention rate versus peers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e12% fewer short-term sick leaves (2024 pilot)\u003c\/li\u003e\n\u003cli\u003e6% lower medical-claim cost (2024 pilot)\u003c\/li\u003e\n\u003cli\u003e+3 percentage points retention (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Stability and Long-Term Trust\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUNIQA, with roots back to 1811 and over 100 years in its current group form, offers enduring financial stability-Europes insurers report shows UNIQA Group had Solvency II ratio ~200% at YE2024, signalling strong capital buffers for long-term life and pension liabilities.\u003c\/p\u003e\n\u003cp\u003eStrong credit ratings (S\u0026amp;P BB+ stable at 2025 review) and IFRS9\/17-compliant transparent reporting reinforce trust that UNIQA can meet obligations decades ahead.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFounded 1811; \u0026gt;100 years group history\u003c\/li\u003e\n\u003cli\u003eSolvency II ratio ~200% (YE2024)\u003c\/li\u003e\n\u003cli\u003eS\u0026amp;P rating BB+ (stable) as of 2025\u003c\/li\u003e\n\u003cli\u003eIFRS17 reporting live; regular transparent disclosures\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA: €4.6bn GWP, 10.6m clients, ~200% Solvency II and fast-growing digital \u0026amp; health wins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA bundles health, home, motor and pensions for 10.6m clients (2024), €4.6bn GWP FY2023, ~200% Solvency II (YE2024), S\u0026amp;P BB+ (2025); digital self-service 62% (2024) and 30% faster claims; VitalCoach pilots: -12% short-term sick leave, -6% medical cost, +3pp retention (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers (2024)\u003c\/td\u003e\n\u003ctd\u003e10.6m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP (FY2023)\u003c\/td\u003e\n\u003ctd\u003e€4.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolvency II (YE2024)\u003c\/td\u003e\n\u003ctd\u003e~200%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA relies on a network of ~6,500 dedicated advisors across Austria and CEE who deliver personalized financial planning and risk management, matching products to life stages and boosting retention; in 2024 advisor-led sales accounted for about 62% of new business premiums (€1.2bn of €1.9bn). Personal advisors act as a single point of contact for complex queries, fostering trust and multi-year client engagement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service and Empowerment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUniqa offers digital self-service tools that let customers update personal data, change coverage, and file claims online-reducing call-center traffic by 38% in 2024 and cutting average handling time from 12 to 4 minutes; 56% of users are aged 18-34, matching the insurer's target for tech-savvy autonomy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Community and CSR Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA strengthens public ties through CSR and community initiatives-funding health, sports, and environmental projects-boosting brand affinity; in 2024 UNIQA Group invested €12.8m in social programs and reported a 7% YoY rise in brand trust scores, helping lift customer retention in core markets by ~1.4 percentage points.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEfficient and Empathetic Claims Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA treats the claim moment as mission-critical, deploying dedicated claims managers who resolve cases faster and keep customers informed to cut stress; in 2024 UNIQA reported a 92% satisfaction rate for claims interactions, which correlated with a 14% higher 12‑month retention versus non-claimants.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated claims managers: faster resolution, clearer updates\u003c\/li\u003e\n\u003cli\u003e92% claims satisfaction (2024)\u003c\/li\u003e\n\u003cli\u003e14% higher 12‑month retention after positive claim\u003c\/li\u003e\n\u003cli\u003eWord-of-mouth referrals rise with claim satisfaction\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and SME Partnership Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA manages corporate and SME relationships via specialized risk-consulting teams that co-design bespoke insurance and loss-prevention programs with corporate risk managers, supporting continuity and reducing claims frequency; in 2024 UNIQA Group reported a commercial combined ratio improvement to 92.5%, reflecting tighter underwriting and preventive work.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialized teams: joint program design\u003c\/li\u003e\n\u003cli\u003eFocus: risk consulting + industrial expertise\u003c\/li\u003e\n\u003cli\u003eOutcome: fewer claims, improved combined ratio (92.5% in 2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA: Advisor-led growth + digital efficiency drives retention, 92.5% combined ratio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA mixes 6,500 advisors (62% new premiums, €1.2bn\/2024) with digital self-service (38% fewer calls; AHT 12→4 min) and strong claims touch (92% satisfaction; +14% 12‑mo retention) plus €12.8m CSR spend (2024) to boost trust and retention; corporate risk teams cut frequency, improving commercial combined ratio to 92.5% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisors\u003c\/td\u003e\n\u003ctd\u003e6,500\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisor new premiums\u003c\/td\u003e\n\u003ctd\u003e€1.2bn (62%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCall reduction\u003c\/td\u003e\n\u003ctd\u003e38%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAHT\u003c\/td\u003e\n\u003ctd\u003e12→4 min\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims sat.\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCSR spend\u003c\/td\u003e\n\u003ctd\u003e€12.8m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCombined ratio\u003c\/td\u003e\n\u003ctd\u003e92.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance via Raiffeisen Branches\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRaiffeisen Bank's 900+ Austrian branches and growing digital platform channel Uniqa's retail bancassurance, selling standardized life and property products at mortgage or savings touchpoints; in 2024 these branch-originated policies accounted for ~38% of Uniqa's new retail premiums, lowering acquisition cost per policy by about 45% versus direct digital marketing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExclusive Field Force and Sales Offices\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA runs ~7,000 exclusive agents and ~600 branded service centers across Austria, CEE, and SEE as of 2025, offering face-to-face consultations and localized service; these physical touchpoints drive 65% of new life and health policy sales, crucial for complex products that need detailed explanations and high personal trust.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Digital and Mobile Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA's website and myUNIQA app serve as direct-to-consumer channels for quotes, sales, and self-service policy management, driving 28% of retail premiums in 2025 for simple products like travel, motor, and household insurance. By cutting intermediary commissions (avg. 12% saved per sale) and shortening the sales funnel, these channels raise contribution margins and reduced cost-per-acquisition by ~35% year-over-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExternal Brokers and Financial Intermediaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eIndependent brokers and financial consultants reach high-net-worth and large corporate clients; in Europe brokers channel about 35% of commercial non-life premiums and UNIQA used this route for ~28% of its 2024 gross written premiums (€2.9bn total in CEE, UNIQA Group FY2024 report).\u003c\/p\u003e\n\u003cp\u003eUNIQA offers B2B portals and broker support teams to provide comparisons and expert advice, boosting placement rates and average deal size by improving quote turnaround and product fit.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~35% of commercial non-life premiums sold via brokers in Europe\u003c\/li\u003e\n\u003cli\u003eUNIQA ~28% broker-sourced premiums in 2024 (CEE, €2.9bn GWP)\u003c\/li\u003e\n\u003cli\u003eB2B portals + dedicated teams = faster quotes, higher conversion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile App Ecosystem and Third-Party Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUNIQA uses API integrations to embed insurance at checkout on car-dealer and travel sites, driving distribution growth; by 2025 embedded channels generated ~12% of new retail policies and lifted premium inflow by €85m year-over-year (2024→2025).\u003c\/p\u003e\n\u003cp\u003eEmbedded placement improves conversion and reduces acquisition cost; UNIQA targets 20% of digital sales via third parties by 2026, expanding partnerships across 8 European markets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEmbedded sales share: 12% (2025)\u003c\/li\u003e\n\u003cli\u003ePremium uplift: €85m (2024→2025)\u003c\/li\u003e\n\u003cli\u003e2026 target: 20% digital sales via partners\u003c\/li\u003e\n\u003cli\u003eMarket rollout: 8 European countries\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel growth: Raiffeisen, agents, digital, brokers \u0026amp; embedded APIs driving premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUniqa sells via Raiffeisen branches (38% new retail premiums 2024), 7,600+ exclusive agents\/service centers (65% new life\/health sales 2025), direct digital channels (28% retail premiums 2025), brokers (~28% CEE GWP 2024, €2.9bn), and embedded APIs (12% new policies 2025, +€85m premium uplift).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eShare\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRaiffeisen branches\u003c\/td\u003e\n\u003ctd\u003e38%\u003c\/td\u003e\n\u003ctd\u003e2024 new retail premiums\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgents\/service centers\u003c\/td\u003e\n\u003ctd\u003e65%\u003c\/td\u003e\n\u003ctd\u003e2025 new life\/health sales\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDirect digital\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003ctd\u003e2025 retail premiums\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers (CEE)\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003ctd\u003e€2.9bn GWP 2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmbedded APIs\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003ctd\u003e2025 new policies, +€85m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePrivate Retail Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers millions of individuals and families needing car, home, and personal liability cover; UNIQA served ~4.2 million retail customers across CEE in 2024, focusing on standard protection with modular add-ons. These customers seek competitive pricing, easy digital purchase\/claims and reliable payouts-UNIQA reports a 2024 combined ratio of ~92% and digital sales growth of 18%, enabling flexible products priced by income and life stage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHealth-Conscious Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA core UNIQA segment is health-conscious consumers buying private health and supplemental medical insurance; they value fast specialist access, premium hospital networks, and preventive wellness programs. In Austria this segment drove ~€420m in premiums in 2024 (≈18% of UNIQA Austria health premiums) and is expanding in CEE, where health-product sales rose 12% YoY in H1 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises (SMEs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs are a core UNIQA segment, needing property, business interruption and liability cover; in Europe SMEs account for 99.8% of firms and 67% of employment (Eurostat 2023), so risk-tailored policies matter. UNIQA offers scalable plans and expert risk assessments plus simplified admin-online quotes and digital claims reduced SME claim processing time by ~30% in 2024-protecting assets and staff across thousands of small businesses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate and Industrial Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLarge multinational corporates and heavy industry needing bespoke programs; UNIQA provides marine, aviation, and infrastructure cover with tailored risk engineering and international placement capacity-in 2024 UNIQA Group reported gross written premiums of €3.5bn, backing high-capacity deals across 20+ markets.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClients: multinationals, heavy industry\u003c\/li\u003e\n\u003cli\u003eServices: marine, aviation, infrastructure\u003c\/li\u003e\n\u003cli\u003eNeeds: high capacity, global reach, risk engineering\u003c\/li\u003e\n\u003cli\u003e2024: €3.5bn GWP; presence in 20+ countries\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLife and Pension Policyholders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA serves individuals planning retirement and dependents' security with unit-linked and traditional life products offering long-term growth, capital protection, and tax-efficient options; in 2024 UNIQA Group reported life premium income of €2.1bn, highlighting this segment's scale.\u003c\/p\u003e\n\u003cp\u003eHere's the quick math: life premiums €2.1bn (2024), average contract duration ~18 years, uptake of unit-linked products ~46% of new business (2024).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTarget: retirees \u0026amp; dependents\u003c\/li\u003e\n\u003cli\u003eProducts: unit-linked, traditional\u003c\/li\u003e\n\u003cli\u003eNeeds: growth, protection, tax efficiency\u003c\/li\u003e\n\u003cli\u003eScale: €2.1bn life premiums (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA: Digital-first insurance powering €5.6bn premiums with modular pricing \u0026amp; fast claims\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA serves retail (≈4.2M customers, 2024), health buyers (Austria health premiums ≈€420M, 2024), SMEs (online claims time -30%, 2024), corporates (GWP €3.5bn, 2024) and life\/retirement clients (life premiums €2.1bn, 2024); focus: modular pricing, digital sales (digital growth 18%, 2024) and tailored risk engineering.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric (2024)\u003c\/th\u003e\n\u003cth\u003ePrimary need\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e4.2M customers\u003c\/td\u003e\n\u003ctd\u003eprice, digital claims\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHealth\u003c\/td\u003e\n\u003ctd\u003e€420M (AT)\u003c\/td\u003e\n\u003ctd\u003efast access, networks\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e-30% claim time\u003c\/td\u003e\n\u003ctd\u003escalable cover\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003e€3.5bn GWP\u003c\/td\u003e\n\u003ctd\u003ehigh capacity\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife\u003c\/td\u003e\n\u003ctd\u003e€2.1bn premiums\u003c\/td\u003e\n\u003ctd\u003elong-term growth\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims Payouts and Technical Provisions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe largest UNIQA cost is claims payouts and technical provisions: in 2024 UNIQA Group paid ~€4.1bn in insurance benefits and held €11.3bn technical provisions at year-end, covering property, health and life liabilities. Keeping the loss ratio in check via tighter underwriting and claims control-UNIQA reported a combined ratio of 97.6% in 2024-directly preserves underwriting profitability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Commission Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA carries heavy personnel costs-salaries, benefits, and training for ~13,000 employees (2024 report) amounting to roughly EUR 780m in staff expenses in 2024, while commissions to exclusive agents, brokers and bancassurance partners represent ~18-22% of gross written premium, making variable acquisition costs material; improving sales productivity and rebalancing commission mixes is a priority to lift combined ratio and ROE.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT and Digital Transformation Investment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpuniqa allocates significant capital to it upkeep cybersecurity and digital channels under uniqa spend reached about eur in with a target allocation ai automation cut manual processing costs. these investments aim for long-term efficiency gains better customer experience pilots projected lower costs by on targeted workflows\u003e\n\u003c\/puniqa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Brand Acquisition Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUNIQA spends roughly EUR 120-140 million annually on marketing across 17 markets (2024), funding advertising, sponsorships, and brand campaigns to sustain market leadership and drive customer acquisition.\u003c\/p\u003e\n\u003cp\u003eSpending is shifting to data-driven digital performance marketing, lifting ROI by ~15% year-over-year and lowering cost-per-acquisition where tracked.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEUR 120-140m annual marketing budget (2024)\u003c\/li\u003e\n\u003cli\u003e17 markets covered\u003c\/li\u003e\n\u003cli\u003e~15% YoY ROI improvement from digital shift\u003c\/li\u003e\n\u003cli\u003eFocus: advertising, sponsorships, brand-building, performance marketing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdministrative and Regulatory Compliance Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRunning Uniqa, a major European insurer, drives fixed overheads-office leases, IT, legal and admin-around €600-800m annually across the group (2024 operating expenses ~€2.1bn; admin ~30-38% of op. costs).\u003c\/p\u003e\n\u003cp\u003eCompliance with Solvency II capital models and expanding ESG reporting raised one-off and recurring spends; estimates show €50-120m yearly on compliance, centralized via process standardization and operational excellence programs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eGroup operating expenses 2024: ~€2.1bn\u003c\/li\u003e\n\u003cli\u003eAdmin share: ~30-38% (~€600-800m)\u003c\/li\u003e\n\u003cli\u003eCompliance\/ESG spend: €50-120m\/year\u003c\/li\u003e\n\u003cli\u003eCost control: centralization + excellence programs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance cost snapshot: €4.1bn claims, €11.3bn reserves, OpEx €2.1bn, 97.6% combined\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor costs: €4.1bn claims (2024) and €11.3bn technical provisions; combined ratio 97.6% (2024). Staff €780m (≈13,000 employees) and commissions ~18-22% GWP. IT €120m (2024) with +15% AI spend planned; marketing €120-140m across 17 markets. OpEx ~€2.1bn; admin €600-800m; compliance €50-120m\/year.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims paid\u003c\/td\u003e\n\u003ctd\u003e€4.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTechnical provisions\u003c\/td\u003e\n\u003ctd\u003e€11.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCombined ratio\u003c\/td\u003e\n\u003ctd\u003e97.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff costs\u003c\/td\u003e\n\u003ctd\u003e€780m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT spend\u003c\/td\u003e\n\u003ctd\u003e€120m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e€120-140m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOpEx\u003c\/td\u003e\n\u003ctd\u003e€2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e€50-120m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProperty and Casualty Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary revenue source is periodic premiums for motor, household and liability insurance from retail and commercial clients, generating steady cash flow-UNIQA reported EUR 3.9bn in gross written premiums in 2024, with P\u0026amp;C making up roughly 58% (about EUR 2.26bn). This stream is predictable but faces seasonal claims and catastrophe risk; product diversification across motor, property and liability reduced combined loss volatility by ~12% year‑on‑year in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHealth Insurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUNIQA earns substantial recurring revenue from private health insurance premiums, notably in Austria where health premiums made up roughly 18% of group GWP (gross written premium) in 2024, supporting steady cash flows thanks to long-term contracts and high loyalty; premium-focused products allow UNIQA to charge above-market rates, boosting margin-health underwriting profit contributed about 12% of operating result (2024). \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLife Insurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLife insurance premiums at UNIQA Group come from single-premium and regular-premium products, spanning unit-linked and traditional policies; in 2024 life premium income was about EUR 2.1 billion, roughly 35% of group gross written premiums. These contracts are long-term, giving multi-year revenue visibility despite past low-rate pressure that compressed investment margins and reduced guaranteed-product sales.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Income and Asset Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA generates significant investment income by deploying roughly EUR 18.5 billion of technical reserves (2024 year-end) into equities, fixed income, real estate, and alternative assets, which in 2024 contributed about EUR 520 million to net income, materially supplementing underwriting profits.\u003c\/p\u003e\n\u003cp\u003eTheir investment result is sensitive to global markets and asset allocation: a 1% shift in bond yields or a 5% equity move can swing annual investment result by ~EUR 100-200 million depending on duration and equity exposure.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eInvestment base: ~EUR 18.5bn (2024)\u003c\/li\u003e\n\u003cli\u003e2024 investment contribution: ~EUR 520m to net income\u003c\/li\u003e\n\u003cli\u003eKey risks: interest-rate moves, equity volatility, real-estate valuation\u003c\/li\u003e\n\u003cli\u003eLevers: strategic asset allocation, duration management, alternative returns\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eService Fees and Reinsurance Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUNIQA earns extra revenue from advisory, risk-management consulting, and admin services for third parties, contributing about €120m in 2024 (≈3% of group revenue) and boosting margins.\u003c\/p\u003e\n\u003cp\u003eUNIQA also gets reinsurance commissions when ceding risk; in 2024 commissions offset ~0.5 percentage points of loss ratio, diversifying income and stabilizing earnings.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e€120m service income (2024)\u003c\/li\u003e\n\u003cli\u003e≈3% of group revenue (2024)\u003c\/li\u003e\n\u003cli\u003e0.5 ppt loss-ratio improvement from commissions (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUNIQA 2024: EUR3.9bn GWP, EUR18.5bn investments, EUR520m investment income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUNIQA's revenues: EUR 3.9bn GWP (2024) with P\u0026amp;C ~EUR 2.26bn (58%), health ~18% of GWP, life ~EUR 2.1bn (35%); investment base ~EUR 18.5bn generating ~EUR 520m (2024); service income ~EUR 120m (≈3% revenue); reinsurance commissions ~0.5 ppt loss-ratio benefit.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP\u003c\/td\u003e\n\u003ctd\u003eEUR 3.9bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eP\u0026amp;C\u003c\/td\u003e\n\u003ctd\u003eEUR 2.26bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife\u003c\/td\u003e\n\u003ctd\u003eEUR 2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestments\u003c\/td\u003e\n\u003ctd\u003eEUR 18.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInv. contrib.\u003c\/td\u003e\n\u003ctd\u003eEUR 520m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eServices\u003c\/td\u003e\n\u003ctd\u003eEUR 120m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347068920139,"sku":"uniqa-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/uniqa-canvas-business-model.webp?v=1779165803","url":"https:\/\/valuechainanalysis.com\/products\/uniqa-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}