UNIQA Insurance Group AG reported robust results for the first half of 2025, with premiums written up 9.7% to EUR 4.4 billion and earnings before taxes rising 6.5% to EUR 295.5 million.

“In a challenging economic environment, we continue to record high and above all profitable growth of around 10 per cent, driven by solid development in Austria and strong momentum in CEE, especially Poland,” said CEO Andreas Brandstetter. Based on these results, UNIQA has raised its full-year outlook, now expecting earnings before taxes of EUR 490–510 million.

Solid performance across business lines

• Premiums written: EUR 4.4 billion (+9.7%) – with growth in property & casualty (+11.8% to EUR 2.7bn), health (+7.1% to EUR 811m) and life (+5.7% to EUR 863m).
• Insurance service revenue: EUR 3.5 billion (+8.9%).
• Insurance service result: EUR 378 million (+23.2%).
• Net combined ratio: improved to 90.5% (from 91.7%).
• Earnings before taxes: EUR 295.5 million (+6.5%); consolidated profit EUR 232.5 million (+5.3%).
• Solvency II ratio: 284%.

International business was again a major driver, with premiums up 12.9%, compared with 5.7% growth in Austria. Life insurance, including unit-linked and index-linked products, grew strongly (+12.1% in insurance revenue).

Outlook

UNIQA continues to focus on strengthening its core insurance operations in Austria and expanding profitably across CEE under its “UNIQA 3.0 – Growing Impact” strategy. Premium growth is expected to remain above GDP, while shareholder returns will remain attractive, with a payout ratio target of 50–60%.