What are Mission Vision & Core Values of UNIQA Insurance Group Company?

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How does UNIQA Insurance Group define its purpose and direction?

UNIQA anchors strategy through clear mission and vision that drive underwriting discipline, customer trust, and regional growth. The group's strong Solvency II coverage and sizeable premium base support long-term commitments and product innovation.

UNIQA’s mission, vision, and core values prioritize reliability, human-centric service, and sustainable growth, guiding risk selection, claims excellence, and expansion across 18 markets while serving about 16–17 million customers and generating €7–8 billion premiums.

Explore a product insight: UNIQA Insurance Group Porter's Five Forces Analysis

UNIQA’s mission focuses on customer-centric, sustainable insurance across Austria and CEE, combining P&C, life and health products, prevention programs and digital claims automation to improve quality of life and speed up settlements.

Target Customers

Individuals, SMEs and corporate clients across Austria and CEE, prioritizing health and financial protection.

Product Range

Offers P&C, life and health insurance, risk management, prevention services and digital platforms for policy access and claims.

Value Proposition

Customer-centric simplicity, reliability and sustainability with health-focused benefits like telemedicine and wellness programs.

Digital Innovation

Claims automation and straight-through processing reduce settlement times and operational costs, enhancing reliability.

Market Footprint

Multi-country CEE footprint with operations in over 10 markets and consolidated gross written premiums above €5.7bn (2024).

Sustainability Focus

Integrates ESG goals into underwriting and products; aims to align growth with climate resilience and social wellbeing.

UNIQA’s mission operationalizes quality-of-life improvements through health programs (telemedicine, wellness benefits) and digital claims processes that lower settlement times and increase trust.

Target Market of UNIQA Insurance Group

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UNIQA's vision is to be the most trusted, customer-centric insurer in core markets, leading in health and prevention while setting standards in sustainability and digital ease.

Trust leadership

Focus on faster claims, higher NPS and transparent customer communication to cement trust.

Health & prevention

Lead in prevention services and health ecosystems to reduce risks and long-term costs.

Digital-first simplicity

Invest in digital platforms for seamless policies, claims and customer journeys.

Sustainability ambition

Align underwriting and investments with ESG goals to support sustainable growth.

Regional scale

Leverage strong Austrian base and CEE presence after the 2020 AXA CEE acquisition to grow market share.

Measurable targets

Targets include reduced claims turnaround, improved NPS and increased prevention product uptake.

Future orientation: emphasizes market leadership in trust and customer experience, industry impact via prevention and health ecosystems, and digital-first simplicity. Realism vs aspiration: With scale in Austria and meaningful share across CEE (bolstered by the AXA CEE acquisition in 2020 and ongoing digital investments), the vision is ambitious yet credible; trust leadership hinges on further reducing claims turnaround, enhancing NPS, and strengthening prevention offerings. See Competitors Landscape of UNIQA Insurance Group for market context.

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UNIQA Insurance Group core values center on trust, customer focus and sustainable growth, guiding operations across 18 European markets. These values drive product design, risk management and digital transformation to deliver resilient, transparent protection.

Customer First

UNIQA prioritizes transparent products, accessible service and fast, fair claims with simplified policy wordings, omnichannel support and proactive claims communication.

Reliability

Financial strength underpins promises: prudent underwriting, reinsurance discipline and a Solvency II ratio often above 200% support long-term reliability and business continuity.

Simplicity

Streamlined processes and intuitive digital journeys—digital FNOL, app-based policy management and reduced SME documentation—cut friction and shorten cycle times.

Innovation & Sustainability

Product and ESG innovation combine: usage-based motor pilots, AI fraud detection and telemedicine plus thermal-coal underwriting limits, increasing green bond allocations and emissions targets aligned with EU taxonomy.

Read next: how UNIQA mission vision values and UNIQA strategic objectives shape underwriting, investment and digital priorities — and explore detailed business model analysis in Revenue Streams & Business Model of UNIQA Insurance Group.

Values — Customer First, Reliability, Simplicity, Innovation, Sustainability, Integrity: customer-first transparency and omnichannel service; Solvency II buffer typically > 200% and reinsurance discipline for reliability; digital FNOL and app management for simplicity; usage-based products and AI pilots for innovation; ESG underwriting limits and growing green bonds for sustainability; GDPR-first governance and whistleblowing for integrity.

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Mission and vision shape UNIQA's strategic decisions by aligning product, distribution and investment choices with a long-term customer-centric and sustainable growth agenda. They guide priorities like digital health, CEE market scale and ESG-linked capital allocation to drive measurable KPIs.

UNIQA mission, vision & values — core summary

UNIQA positions itself as a trusted, customer-oriented insurer focused on simplicity, health leadership and sustainable growth across Central and Eastern Europe.

• Mission emphasizes customer trust, protection and accessible insurance solutions
• Vision targets leadership in core CEE markets and excellence in customer experience
• Core values stress integrity, simplicity, responsibility and innovation
• Strategy links products, digitalisation and ESG to measurable financial targets

Health leadership

Investment in telehealth, prevention and integrated care aims to improve retention and reduce claim severity.

CEE scale

Disciplined expansion and integration of regional assets increase premium volumes and distribution reach.

Product simplicity

Simplified, modular P&C and life offerings speed go‑to‑market and improve cross-sell rates.

Partnerships

Alliances with health providers and digital platforms extend prevention ecosystems and customer value.

Risk & ESG alignment

Portfolio decarbonisation targets and sustainability KPIs guide investment allocation and underwriting policies.

Customer orientation

Executive incentives are tied to CX, NPS and sustainability metrics to embed values in leadership decisions.

Mission and vision influence strategy by prioritising health services, CEE scale, product simplicity, partnerships and ESG-linked investment — read next chapter: Core Improvements to Company's Mission and Vision Mission, Vision & Core Values of UNIQA Insurance Group

Influence — Mission/vision-to-strategy link: 1) Health leadership: telehealth and prevention investments increase policy stickiness, lower claims severity; KPIs include higher health NPS and reduced claim ratios. 2) CEE scale: disciplined expansion and integration (e.g., AXA CEE assets) align with trusted-leader positioning, raising premiums and distribution reach. Product development: simplified, modular P&C and life products reflect simplicity. Partnerships: health providers and digital platforms extend prevention ecosystems. Risk/ESG: portfolio decarbonisation targets guide investments. Sample metrics: combined ratio improvement toward low-90s, digital share of claims >50%, NPS uplifts in priority markets, and sustained SII >200% support reliability. Leadership emphasises becoming the most customer-oriented insurer in core markets, tying incentives to CX and sustainability KPIs.

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Four focused improvements can make UNIQA's mission, vision and core values more actionable and measurable, aligning corporate purpose with customer outcomes and climate resilience. These refinements will strengthen UNIQA mission vision values, support UNIQA sustainability and values, and clarify UNIQA strategic objectives for 2025 and beyond.

Sharpen measurable ambition

Embed explicit targets in the UNIQA Insurance Group mission statement such as achieving Net Promoter Score top-3 in each core market by 2028, digital self-service adoption >70% and a portfolio emissions intensity reduction of 40% by 2030, converting purpose into trackable KPIs.

Elevate data and AI stance

Update the UNIQA corporate purpose to explicitly include responsible AI and data ethics, positioning the group for embedded insurance, parametric products and compliance with the EU AI Act while protecting customer trust and reducing fraud losses.

Link ESG goals to underwriting and product design

Translate UNIQA sustainability strategy and mission into underwriting rules and product incentives—e.g., preferential premiums for low-carbon fleets and climate-resilient home upgrades—to reduce loss ratios and align growth with ESG targets.

Localize values with measurable workforce targets

Operationalize UNIQA core values through localized KPIs: employee diversity targets (30% female leaders by 2026), retention improvement of 15% and mandatory ethics/ESG training completion rates above 95%.

Improvements

• Sharpen measurable ambition: add explicit targets (e.g., NPS top-3 in each core market by year X; digital self-service adoption >70%; portfolio emissions intensity cut by Y% by 2030) to operationalize ‘most trusted’ and ‘sustainable.’ Best practice peers link purpose to quantified CX and climate pathways.
• Elevate data and AI stance: explicitly incorporate ‘responsible AI and data ethics’ into mission/vision to reflect emerging insurance models (embedded, parametric, prevention-as-a-service) and regulatory expectations (EU AI Act). These refinements would future-proof UNIQA against shifting consumer behaviors, heightened climate risk, and digital competition.

For further context on strategic alignment and growth planning see Growth Strategy of UNIQA Insurance Group

Implementing mission and vision into corporate strategy requires clear translation into measurable objectives and daily operations. Effective implementation ties leadership goals, processes and systems to the stated purpose and values to drive performance and stakeholder trust.

UNIQA mission vision values — strategic focus

UNIQA embeds purpose-led goals across products, distribution and sustainability to align with its corporate strategy.

• Mission: protect people’s lives and assets while enabling sustainable growth across Austria and CEE.
• Vision: be the preferred responsible insurer for customers and partners, driven by digital convenience and ESG leadership.
• Core values: customer centricity, trust, responsibility, innovation and teamwork.
• Targets: measurable KPIs linking CX, growth and sustainability performance.

Operationalising the mission

OKRs and product governance translate the mission into daily decisions, prioritising simple, transparent customer journeys and risk-managed growth.

Sustainability and ESG alignment

UNIQA integrates exclusion policies, green investments and CSRD-aligned disclosures to meet its sustainability and values commitments.

Customer promise and digitalisation

Digital claims and self-service reduce cycle times and improve first-contact resolution as part of the UNIQA customer promise and corporate values.

Leadership and incentives

Variable compensation ties to NPS, combined ratio, growth and ESG metrics to cascade vision through leadership and teams.

Implementation initiatives include:

• Digital claims and policy self-service scaled across Austria/CEE, reducing average claims cycle times and boosting first-contact resolution.
• Health ecosystem buildout with telemedicine, wellness incentives, and prevention content integrated into health policies.
• ESG integration: exclusion policies, green investments, and CSRD-aligned disclosures; underwriting guidelines for high-carbon sectors.
• Distribution excellence: bancassurance and agent enablement tools standardize simple, transparent customer journeys.
• Leadership cascade: mission/vision embedded in OKRs; variable pay linked to CX (NPS), growth, combined ratio, and ESG goals.
• Communication: customer-friendly policy summaries, sustainability reports, and employee town halls reinforce values.
• Systems: conduct risk frameworks, product governance committees, and model risk management ensure alignment between intent and practice.

Latest data: as of 2024–2025 UNIQA reported a group gross written premium exceeding EUR 6.6 billion and a combined ratio target range around 95–100% in recent guidance, reflecting priorities on profitable growth and customer outcomes; NPS initiatives aim to lift customer satisfaction across markets.

Relevant resources: Brief History of UNIQA Insurance Group