Regional focus on Central and Eastern Europe

SIGMA has been part of the VIG since 2007 and serves its customers through branches, agencies and offices throughout Albania and a branch in Kosovo. The product portfolio includes motor vehicle, property and health insurance for private and corporate customers.

INTERSIG was founded in 2001 and has been part of the Vienna Insurance Group since 2011. INTERSIG is one of the largest property insurance companies in Albania and is characterised by very rapid claims settlement.

VIENNA LIFE was established in January 2025 as a new life insurance company in Albania. The company focuses on life and health insurance products for retail and corporate customers. VIENNA LIFE Life offers risk products such as credit protection and term insurance but also saving products such as traditional life insurance as well as pension solutions. In addition to life insurance, health solutions make up a significant part of its portfolio.

VIG Holding is the umbrella organisation of the Vienna Insurance Group and is responsible for the strategic management of the Group. VIG's shares are listed on the Vienna, Prague and Budapest stock exchanges.

WIENER STÄDTISCHE Versicherung is the largest single company in the Vienna Insurance Group and is headquartered in Vienna. It is represented by nine regional offices and 125 branch offices throughout Austria and by branch offices in Slovenia. It operates in the property/casualty insurance segment as well as in the life/health insurance segment and serves both private and corporate customers.

DONAU Versicherung was founded in 1867 and relies on the expertise and reliability of its more than 1,300 employees across nine regional offices and a large number of service centres throughout Austria. This enables the company to provide comprehensive and personalised advice and support to its more than 700,000 customers. DONAU offers all lines of insurance for private and corporate customers with a focus on commercial insurance for SMEs.

Vienna osiguranje VIG is one of the two leading life insurance companies in Bosnia and Herzegovina known for introducing of innovative products and services to the market. In addition to offering a wide range of insurance solutions, the company promotes the importance of a healthy and active lifestyle, offering to its customers various benefits in this regard.

Wiener osiguranje VIG has been operating successfully in Bosnia and Herzegovina for 30 years. High-quality and innovative products for companies and individuals with a high level of service are Wiener osiguranje's business imperative. Particular attention is paid to the introduction of new technological solutions, the improvement of business processes and the quality of claims settlement.

Founded in 1994, Bulstrad Life VIG is a leading life insurer and the most preferred health insurance provider on the Bulgarian market. The company has more than three decades of expertise in delivering tailor-made insurance solutions that address the evolving needs for protection and security of both individual and corporate clients. Bulstrad Life VIG is awarded numerous prizes for its business achievements, digital innovations for better customer experience, and long-standing commitment to corporate social responsibility.

Bulstrad VIG is a leading insurance company operating in the Bulgarian market for 62 years. Bulstrad offers a comprehensive portfolio of motor, property, marine, aviation and personal accident insurance products. Its distribution network consists of 116 company-owned offices and customer centres, over 800 agents and contracts with more than 320 brokers. Bulstrad has been awarded "Insurer of the Year" several times.

Pension Assurance Company Doverie is Bulgaria's leader in the sector, maintaining the largest market share for more than 30 years and serving more than 1.2 million customers nationwide. Doverie has been awarded more than 13 consecutive times for Pension Assurance Company of the Year. The company is dedicated to creating long-term financial resilience through professional management of pension funds, helping people build financial security for the future. Guided by expertise, integrity, responsibility and a people-first approach, Doverie is committed to delivering transparent, accessible and personalised pension solutions while actively promoting financial literacy and trust in the Bulgarian pension system.

Kupala began operations in 1993 and has been a member of the VIG since 2003. Kupala is a universal insurance company whose goal is to provide insurance services at a high level of quality and customer service. Kupala's customers are medium-sized and small companies as well as private individuals from the SME sector. The more than 400 brokers and agents in all regions of the country take care of the needs of more than 500,000 customers.

Wiener osiguranje VIG is one of the leading insurance companies in Croatia. More than 600 employees at more than 70 points of sale throughout Croatia are at the service of clients every day - from quality advice when choosing appropriate insurance coverage, to the rapid processing and payment of claims.

Kooperativa offers a comprehensive range of services in both life and non-life insurance as well as all common types of insurance for private individuals, small and medium-sized enterprises and corporations. Kooperativa has long been one of the largest Czech insurers with a market share of more than 24%. It manages more than 4.7 million insurance contracts of almost 2.5 million customers. It has three hundred branches of its own throughout Czechia and also offers services in the network of its strategic partner Česká spořitelna.

ČPP is a composite insurance company that offers modern products and complex solutions for life and non-life insurance as well as business insurance. It has been active in the Czech insurance market since 1995 and has been a member of the VIG Group since 2005. ČPP has 100 branches, 220 sales outlets, a broad network of external distribution partners and brokers.

VIG Re is a pan‑European reinsurer with a growing presence in Asia. As the reinsurance company of Vienna Insurance Group, VIG Re was established in 2008 and has since built a strong international footprint. Today, the company operates from Prague (VIG Re Czechia), Munich (VIG Re Germany), Paris (VIG Re France), and from its representative office in Singapore. 

Its superior financial strength is confirmed by excellent A+ ratings with a positive outlook from Standard & Poor’s.

VIG Re is offering a broad spectrum of non-life treaty and facultative reinsurance solutions and manages the outward reinsurance programs of the VIG Group. In 2025, the company serviced around 660 insurance companies in almost 70 countries.

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VIG has had a branch office in Kopenhagen since 2019. Its business activities focus on property insurance for large corporate customers, primarily in the industrial sector. Sales are handled by well-established insurance brokers.

Compensa Life VIG specialises in providing life insurance services to private and corporate customers as well as health insurance services to corporate customers. The company was founded in Tallinn (Estonia) in 1993 and expanded its operations to Riga (Latvia) and Vilnius (Lithuania) through branches. In total, Compensa Life has 20 offices in the three Baltic countries with over 250 employees. The company manages the insurance risks and investments of more than 80,000 clients.

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BTA Baltic is one of the leading insurance companies in the Baltics, offering a broad range of non-life insurance services in Latvia and in branches in Lithuania and Estonia.

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In Estonia, Seesam operates as a retail brand of Compensa Non-Life. Insurance is provided by Compensa Vienna Insurance Group, ADB Estonian Branch.

Seesam has sales points in eight cities across Estonia. Nearly 200 specialists provide private and business customers with daily consultations and services in motor, property, and personal insurance. For business customers, Seesam is one of the leading insurance providers, offering a comprehensive range of insurance solutions.

IRAO is a leading insurance company in Georgia, operating successfully since 2004. Over more than two decades on the market, Irao has built a reputation as one of the country's most trusted insurers, offering an extensive range of insurance products for both individual and corporate clients - including auto, health, travel, and property insurance, along with comprehensive corporate solutions.

The company is committed to high-quality, reliable service, combining local market expertise with solid guarantees based on international standards. This is supported by a team of up to 350 employees, serving clients through service centers across Georgia, including Tbilisi, Batumi, Kutaisi, Akhaltsikhe, Telavi, Zugdidi, Gori, and Rustavi.

Irao’s Mission: Enabling a safer, sustainable future for business and society.

Irao’s Vision: To be the most trusted insurance partner for individuals and organizations, known for expertise, reliability, and the best customer experience.

GPI Holding, Georgia’s leading insurance company, has been shaping country’s insurance market since 2001. Serving hundreds of thousands of individual and corporate customers nationwide, the company is recognised for its strong market position, innovative solutions and commitment to service excellence.

GPI provides a comprehensive portfolio spanning health and life, motor, property and business insurance. Beyond financial compensation, the company is building integrated support ecosystems that assist customers in everyday life - from prevention, wellbeing and 24/7 medical guidance to motor assistance, car-care services and digital claims support. Through accessible digital solutions and human-centred service, GPI is transforming insurance into an active partnership that helps people and businesses feel protected, supported and confident.

NÜRNBERGER Versicherung has stood for security, reliability, and close partnership since 1884. With premium income of around 3.5 billion euros and about 3,800 employees, it is now one of the largest and strongest insurance companies in Germany.

The company offers a broad range of products, covering life, health, property, casualty, and accident insurance for both private and corporate customers. Thanks to its innovative retirement planning and protection solutions, the company regularly achieves top rankings in industry analyses.

As a modern prevention-focused insurer, NÜRNBERGER aims to make risks manageable and create opportunities. Headquartered in Nuremberg, the company operates nationwide and works closely with around 12,000 sales partners and insurance brokers.

InterRisk companies Life and Non-life offer life, accident, property and liability insurance for private customers. 170 staff members manage a portfolio of over one million contracts. As a pure broker insurer, InterRisk currently works with around 10,000 sales partners.

InterRisk companies Life and Non-life offer life, accident, property and liability insurance for private customers. 170 staff members manage a portfolio of over one million contracts. As a pure broker insurer, InterRisk currently works with around 10,000 sales partners.

VIG Re is a pan‑European reinsurer with a growing presence in Asia. As the reinsurance company of Vienna Insurance Group, VIG Re was established in 2008 and has since built a strong international footprint. Today, the company operates from Prague (VIG Re Czechia), Munich (VIG Re Germany), Paris (VIG Re France), and from its representative office in Singapore. 

Its superior financial strength is confirmed by excellent A+ ratings with a positive outlook from Standard & Poor’s.

VIG Re is offering a broad spectrum of non-life treaty and facultative reinsurance solutions and manages the outward reinsurance programs of the VIG Group. In 2025, the company serviced around 660 insurance companies in almost 70 countries.

Building upon long years of professional experience, with its diverse, both life and non-life line of products, UNION Biztosító offers various solutions with consideration of individual requirements to enterprises, companies and institutions. Beyond its business activity the company has special focus on corporate social responsibility. UNION was awarded with several accolades, such as Application of the Year in 2025 for Drivello app, the Website of the Year in 2024, or the Hungarian Insurance Brokers Association’s Insurance Product Grand Prize silver rating in risk life insurance category in 2025.

ALFA's roots go back to more than one hundred years ago and joined VIG in 2022. A leading player in the Hungarian insurance market with a high range of offers in home, life, motor third party liability and casco products and property insurances. Alfa caters for the typical needs for coverage of small and medium sized enterprises and big corporations, as well as private, municipal and government-owned institutions. The company keeps in touch with its clients and prospects via nearly 180 branch offices and a 1,700-strong network of tied agents across the country.

ALFA Pension Fund is a reliable partner in pension planning. With nearly 158.000 thousand members and assets of nearly HUF 299 billion, ALFA's voluntary pension fund is one of the leading funds in Hungary. It is backed up financially and professionally by Vienna Insurance Group. The voluntary fund system is not part of the obligatory social security system in Hungary. This form of saving provides an optimal solution to those who aim to ensure long-term pension savings and conscious self-care.

SIGMA Vienna Insurance Group - Kosovo is a branch of SIGMA in Albania and offers insurance solutions throughout Kosovo. It has been one of the leading insurance companies in the market for many years and enjoys a very good reputation, which is reflected in the high rate of contract renewals with customers and in the assessment of its activities by the supervisory authorities.

BTA Baltic is one of the leading insurance companies in the Baltic states and offers a wide range of non-life insurance services. More than 1,000 employees serve over 600,000 customers in Latvia and at branches in Lithuania and Estonia.

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Compensa Life VIG is headquartered in Estonia and specialises in providing life insurance services to private and corporate customers, as well as health insurance services to corporate customers.

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Compensa VIG is a non-life insurance company headquartered in Lithuania with branches in Latvia and Estonia and has been operating in the Baltic market since 2016
In Latvia, Compensa Vienna Insurance Group ADB Latvia Branch specialises in providing non-life insurance services to private and corporate customers, as well as health insurance services to corporate clients.

VIENNA-LIFE Lebensversicherung AG offers optimal solutions for individual asset accumulation and private retirement provision. The company is happy to use its know-how from many years of experience in working with private banks and asset managers for the benefit of its customers. The company’s customers can diversify their financial investments and retirement provisions debt-free.

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Compensa Life VIG specialises in providing life insurance services to private and corporate customers as well as health insurance services to corporate customers. The company was founded in Tallinn (Estonia) in 1993 and expanded its operations to Riga (Latvia) and Vilnius (Lithuania) through branches.

Compensa VIG is a non-life insurance company headquartered in Lithuania with branches in Latvia and Estonia and has been operating in the Baltic market since 2016. Copensa has 50 sales points in 44 cities and towns in Lithuania. Almost 500 specialists of the company working in the country provide private clients with consultations and services on transport, property and personal insurance issues every day. Together with business clients, they take care of the protection of their assets - from small and medium to corporate - as well as transport, cargo, general liability, construction and surety insurance.

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BTA Baltic is one of the leading insurance companies in the Baltics, offering a broad range of non-life insurance services in Latvia and branches in Lithuania and Estonia.

MAKEDONIJA Osiguruvanje s.c. Skopje VIG is an insurance company with experience and professional expertise in the local market for 81 years and international support and influence for almost 3 decades, is at the very foundation of the security, trust and financial stability of the insurance industry in the Republic of North Macedonia.. It is today the stable institution operating through its 70+ branches and the headquarter in Skopje. The company sells non-life insurance policies through contracted cooperation with various partners and clients.

The joint-stock company for insurance and reinsurance MAKEDONIJA- Vienna Insurance Group is a leader in non-life insurance risk coverage for legal entities and individuals. Large and complex industrial entities, as well as medium and small businesses, find excellent support in our insurance offers for individuals, property, motor vehicles, liability, transport, etc. The offer for individuals includes household, personal accident, motor insurance, as well as travel insurance. The latest on the market is voluntary health insurance for hospital and outpatient insurance, as well as variants of coverage for serious illnesses and surgeries.

WINNER Life in North Macedonia offers a wide selection of life insurance products which gives the opportunity for each and every client to choose and customize a life insurance policy, most suitable to their needs. 

With a market share of around 12%, DONARIS ranks among the top five insurance providers in the market, offering customers tailored insurance solutions for motor vehicles, homes and apartments, accident and health coverage, as well as corporate insurance.

WIENER STÄDTISCHE životno osiguranje Podgorica has been operating in the Montenegrin market since November 2010 and holds the leading position in the life insurance market in Montenegro. The mission of the company is the creation and development of a culture of insurance and the provision of services whose quality meets modern world standards of business.

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VIG has had a branch office in Oslo since 2019. Its business activities focus on property insurance for large corporate customers, primarily in the industrial sector. Sales are handled by well-established insurance brokers.

COMPENSA is a leading insurance company in Poland. With over 30 years of presence on the Polish market, it strives for excellence in insurance offer, service standards and distribution network development. Compensa product portfolio includes motor, property and health for individual customers, SMEs and large companies.

Beesafe is a digital insurance provider who offers rapid online closure and is a member of Compensa.

InterRisk has been operating continuously in the Polish market since 1993 and is one of the leading property and casualty insurer.
The company offers their clients a comprehensive range of insurance products, including: motor, property, personal, health and financial. Each year, InterRisk provides coverage to nearly 2 million customers. The company is also recognized by insurance professionals as a leader in third-party liability insurance for agents and brokers.

Vienna Life is the fourth largest life insurance company in the Polish market and offers a comprehensive range of insurance products for individual and group customers in the area of life insurance.

Vienna PTE was founded in 1998 and is a leading pension fund in Poland. Since its inception, it has operated as an asset management company for the Open Pension Fund. Since 1 June 2023, Vienna PTE has been a member of the Vienna Insurance Group (VIG). Vienna PTE strives to be an innovation leader in the pension sector in Poland and aims to play a significant role in promoting diversity and innovation.

BCR Asigurări de Viață has become the leader of the bancassurance market since 2009 and is number two in the life insurance market in Romania. Customer orientation, permanent adaptation to market changes, innovation, as well as the excellent partnership with the largest bank in Romania, BCR, is reflected in the quality of the insurance products launched in the banking network.

Asirom operates over 30 years on the local market and has an impactful heritage in the industry. The company has an extensive network of agencies, with more than 130 Asirom offices in all counties, always in proximity for our clients. As one of the leading companies in general and life insurance, Asirom aims to offer simple and safe interactions and services for its clients and safety to enjoy the simple things, protecting what matters.

OMNIASIG VIG has been present on the Romanian insurance market since 1995, constantly maintaining its position in the top of the largest and most stable insurers in the country. The company has a portfolio of over 100 insurance products and an extensive national network of branches and agencies. Through our belonging to Vienna Insurance Group, OMNIASIG provides to its customers and partners stability and financial strength, as well as complex expertise and know-how on all non-life insurance lines.

Values of OMNIASIG:

1. Integrity
2. Professionalism & Passion
3. Respect
4. Trust
5. Responsibility

Carpathia Pensii has been present since 2007 on the private pension fund market in Romania, founded and operating in Cluj, in the heart of the Transylvania region, identifying with this place, with history, multiculturalism, people, vibrations of the place, combining youth with experience, new with old, digital with analog and innovation with tradition. The company manages the Mandatory pension fund Vital (Pillar 2) and the Voluntary pension fund Esential (Pillar 3), putting first security, transparency and responsibility for the financial future of more than 1 million customers.

Wiener RE was founded in 2008 in Belgrade and is a 100% reinsurance daughter company of VIG Re. It services both VIG companies and Third-Party clients in Serbia, Montenegro, Bosnia and Herzegovina and Macedonia.

WIENER STÄDTISCHE osiguranje a.d.o. Beograd has been operating in the Serbian market since February 2003. By combining financial strength, expertise and knowledge, it has established a reputation for quality and reliability in this market, securing its leading position in the life insurance sector, whilst its comprehensive product portfolio places it among the leading insurance companies in the domestic market. More than 1,100 employees across over 40 branches, operational units and sales outlets in towns and municipalities throughout Serbia strive to provide customers with impeccable service.

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VIG has had a branch office in Stockholm since 2019, from where customers are also served via the freedom to provide services in Finland. Its business activities focus on property insurance for large corporate customers, primarily in the industrial sector. Sales are handled by well-established insurance brokers.

Kooperativa has been providing its services to the public for more than 30 years. Individuals, families and companies can choose from almost 80 life and non-life insurance products. It is currently trusted by almost 1.5 million clients. Kooperativa was the first private universal insurance company in Slovakia. In 2003, it established a successful partnership with Slovenská sporiteľňa in the field of bancassurance for even greater client comfort and comprehensiveness of the services provided on both sides. At the end of 2022, it entered the pension fund market. 

KOMUNÁLNA poisťovňa has been operating in the market since 1994. Its main task is to offer high-quality insurance products and services in the areas of life, accident, property and liability insurance, but also in the area of corporate and industrial insurance. It offers its services through a well-developed business network with branches in all regions of Slovakia.

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WIENER STÄDTISCHE zavarovalnica is a branch of the Austrian WIENER STÄDTISCHE insurance company in Ljubljana. It offers its customers all types of life and property insurance, with the exception of motor insurance and credit insurance. The mission of the company is to provide customers with financial security and stability through modern, high-quality and innovative insurance products and to protect them from risks that can threaten their lives and property. 

Ray Sigorta was established in 1958 as a joint venture of Türkiye’s leading national transportation companies—Turkish Airlines (THY), Turkish State Railways (TCDD), Turkish Post (PTT), and Turkish Maritime Lines. Today, they provide value-driven solutions across a broad spectrum of non-life insurance, serving the evolving needs of both individual and corporate customers.

Following its privatisation in 1992 and initial public offering in 1997, Ray Sigorta became part of Vienna Insurance Group (VIG), one of Europe’s leading insurance groups, in 2008. Supported by a strong capital base, international expertise, and extensive industry experience, they provide tailored insurance solutions that meet the unique needs of both individuals and businesses.

At Ray Sigorta, customer satisfaction is at the heart of everything they do. Guided by an innovative and customer-centric approach, they continuously enhance their products, services, and processes to deliver a reliable and seamless insurance experience.

With nearly 500 employees, their headquarters in Tarabya, Istanbul, and 10 Regional Offices across Türkiye, they serve customers nationwide through their extensive agency network.

Their comprehensive portfolio covers all major lines of non-life insurance, including motor, home, health, personal accident, travel, liability, commercial property, marine hull, engineering, cargo, and aviation insurance, helping their customers protect what matters most and move forward with confidence.

They are equally committed to creating an inspiring workplace for our people. Through their people-focused management approach and value-driven culture, they foster an environment that encourages collaboration, continuous learning, and professional growth. They are proud to hold the Great Place to Work® Certification and to be recognised among Türkiye’s Best Workplaces™

Viennalife offers financial solutions that people need throughout their life cycles through its sales fore  of over 2,000 financial advisors and experts, an extensive network of more than 700 agents, partnerships with four banks, and sales platforms supported by the latest technological solutions. 

KNIAZHA VIG is one of the leading insurance companies in Ukraine, with nearly 30 years of experience, over 1 million customers, and one of the largest branch networks on the market. While remaining the leader in MTPL, KNIAZHA VIG is developing and diversifying its insurance portfolio, offering clients comprehensive and innovative insurance solutions. Keeping up with the times and new challenges, Kniazha VIG became one of the first partners of the U.S. International Development Finance Corporation (DFC) for war risk insurance, supporting Ukrainian SMEs.

In 2025, the International Finance Corporation (IFC), a member of the World Bank Group, announced its intention to acquire an equity stake in KNIAZHA VIG, which highlights the international community's confidence in the company's long-term strategy, financial resilience and future growth potential.

KNIAZHA LIFE VIG has been operating in the Ukrainian insurance market since 1999, specializing in life insurance and long-term savings solutions. As a member of Vienna Insurance Group, the Company builds its business on the Group's core values, combining the highest European standards with a personalized approach to customer service and prudent, long-term insurance practices.

Since 2012, KNIAZHA LIFE VIG has consistently maintained a uaAA+ financial strength rating assigned by Standard-Rating, a leading Ukrainian credit rating agency, reflecting the Company's financial resilience, stability, and long-term commitment to its policyholders.

USG Insurance Company has been operating in the Ukrainian market since 2000 and has been a member of the Vienna Insurance Group since 2008. The company's mission is to provide every citizen with customer-oriented, high-quality, affordable and first-class insurance services, taking into account personal needs, meeting and exceeding expectations while remaining a stable leader in the Ukrainian traditional insurance market.

Finnish clients and brokers are serviced within the framework of freedom to provide service. Please contact our offices in Denmark, Sweden or Norway or contact us via phone: +43 50 390 26111.