Insurance markets across Central and Eastern Europe continued to expand in 1H2025, though inflation still played a major role in boosting premiums. GWP reached EUR 29.21 billion, 8.45% up y-o-y.

Slovenia rebounded strongly after the 2024 health insurance reform shock, while Romania, Poland, Czechia and Slovakia reported moderate, single-digit increases. The region’s top markets - Poland, Czechia, Hungary, Romania and Slovenia - retained their dominance.

Methodological note: as compared with the statistical data we provided in our previous article (STATISTICS: CESEE 1H2025: Overall positive trend despite the ongoing economic challenges), data for Bulgaria and Romania results as of end of June became available and were updated in the statistical tables.

Life insurance advanced by nearly 10%, driven by Hungary’s exceptional unit-linked surge and Romania’s continued double-digit gains. Poland’s slower but steady growth contributed the largest share of additional premium volume.

Non-life premiums rose by close to 8%. Motor insurance remained the key growth engine, although claims inflation - stemming from higher repair and labor costs - still affects technical results. MTPL pricing remains highly sensitive, and regulators fear a rise in uninsured vehicles if economic pressures persist.

Property insurance grew by almost 9%, but climate-related losses accelerated - especially from floods and hailstorms in Romania and Serbia - and underinsurance remains a structural vulnerability across the region. In Czechia, around 70% of homes are undervalued by an average of 40%, significantly limiting resilience after disasters.

Overall, despite improving conditions and fewer severe NatCat events in early 2025, insurers continue to face inflation-driven cost pressures, competitive motor markets, and an urgent need to address underinsurance as climate risks intensify.

Access the regional statistical page to get the latest statistical data for the CEE and SEE, for the main business lines.