What are Mission Vision & Core Values of Uniqa Company?

How does Uniqa keep policyholders secure while growing across Europe?

UNIQA aligns over 21,000 employees and 6,000 agents across 17 countries to deliver insurance stability and growth. Its UNIQA 3.0 strategy ties mission, vision and values to capital allocation, risk management and customer-centric services.

UNIQA's mission centers on protecting clients and creating long-term value; its vision targets leadership in CEE with resilient solvency and profitable growth. Core values emphasize customer focus, responsibility and innovation, underpinning targets like a profit before tax above 550 million euros and a Solvency II ratio > 250 percent.

Explore product analysis: Uniqa Porter's Five Forces Analysis

Uniqa company mission centers on 'living better together' — offering proactive, customer-centric protection across health, life and P&C in CEE, supported by digital health services and tailored regional products to build long-term community resilience.

Customer-centric protection

Focuses on long-term relationships and prevention, not just claims payment.

Health ecosystem

Operates private clinics and digital services like Lilo for 24/7 care access.

Regional focus

Products tailored to CEE markets — e.g., agricultural insurance in Poland and Romania.

Proactive partnership

Acts as a life-long partner, emphasizing prevention and support over reactive payouts.

Financial strength

Reported €6.8bn gross written premiums in 2024, reflecting scale across CEE.

Core values

Emphasizes trust, responsibility, customer proximity and innovation in operations and culture.

Uniqa's mission connects to its vision and core values by prioritizing community wellbeing, digital health integration and tailored CEE solutions — see Owners & Shareholders of Uniqa for related corporate context.

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UNIQA’s vision is to be the leading service provider for a better life in Austria and CEE, making insurance seamless, preventative and digitally embedded in everyday life.

Market leadership

Targeting top positions in core markets; already top-three in several CEE countries as of 2025.

Service provider shift

Moving from classic insurer to comprehensive life-enhancement services through health and prevention offerings.

Digital integration

UNIQA 3.0 prioritised digital transformation and simplification to scale services across borders.

Health focus

Health insurance segment posted double-digit growth by July 2025, reinforcing the preventive-care strategy.

Omnipresent protection

Envisions insurance that is invisible yet ever-present via embedded services and tech-driven touchpoints.

Scalable model

Strategy and cost simplification enable cross-border scalability and faster roll-out of new services.

UNIQA’s vision aligns with strategy and 2025 performance: diversified revenue, health growth, and strong CEE positions, making the goal realistic and measurable.

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Uniqa's core values define behavior across its global operations, guiding product design, customer service and sustainability efforts. These values align with the company's mission and vision to build trust, simplify insurance and drive responsible, customer-centric growth.

Customer First

Every offering begins with a customer pain point, backed by data analytics for personalized premiums and a 24-hour claims settlement guarantee for standard property damages.

Simple

Product complexity is reduced to improve clarity; Uniqa cut legacy product variants by over 25% and uses the myUNIQA app as a single policy management hub.

Honest

Transparent pricing and clear exclusion communication set realistic expectations for life-insurance returns amid the 2024–2025 interest-rate environment.

Responsible

Commitments include membership in the Net-Zero Asset Owner Alliance and shifting over €1.5 billion into sustainable assets by 2025, plus diversity and employee-wellbeing programs.

Read how Uniqa's mission and vision shape strategic decisions next and explore detailed corporate context in this Brief History of Uniqa: Brief History of Uniqa

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Mission and vision shape Uniqa’s strategic decisions by aligning daily operations with long-term market positioning and customer-centred goals; they guide capital allocation, portfolio focus, and partnerships. These statements drive priorities like profitable growth, customer experience improvements, and regional market concentration.

Uniqa’s Strategic Compass

Mission, vision and core values translate into measurable targets and concrete actions across the group.

• Mission: promote better living together through reliable insurance solutions and customer support
• Vision: be a leading insurer in core CEE markets with strong service and digital offerings
• Core values: customer focus, integrity, performance, agility and sustainability
• Strategic framework: UNIQA 3.0 prioritises profitable growth and capital efficiency

Profitability Targets

Group targets include a Return on Equity above 12% and a stable dividend policy reflecting capital discipline.

Market Focus

Strategy narrowed to core CEE health and life markets; 2024–2025 divestments exited non-core, low-synergy units to redeploy capital.

Digital & Partnerships

Mission-driven partnerships with European health-tech startups integrate wearable data into underwriting and wellness programmes.

Operational Alignment

Leadership, including CEO Andreas Brandstetter, cites mission in town halls to connect claims processing and service delivery with customer quality of life.

Measurable Outcomes

Key metrics: improved combined ratio in core markets, disciplined capital returns, and growth in CEE health insurance premiums year‑on‑year.

Culture & Values

Core values inform employee behaviour, risk appetite and customer-facing policies to sustain trust and regulatory compliance.

Read more on strategic implications and next steps in Core Improvements to Company's Mission and Vision; for market context see Target Market of Uniqa.

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Four targeted improvements can sharpen Uniqa's mission and vision to meet 2025 expectations and stakeholder demands. These refinements focus on digital sovereignty, human-centric AI, global sustainability leadership, and clearer alignment with measurable ESG targets.

Embed digital sovereignty and data ethics

Explicitly reference digital sovereignty and ethical data use in the Uniqa company mission to assure European customers and institutional investors about privacy, data portability and compliant AI practices.

Commit to human-centric AI and customer-first automation

Amend Uniqa vision statement language to commit to responsible AI that enhances efficiency while preserving personalised support in claims and risk advisory.

Elevate to global sustainability leadership

Introduce a measurable sustainability pledge—link targets (for example, net-zero by 2050 or interim 2030 emissions reductions) to attract international ESG capital and compare with peers like Allianz.

Refine 'living better together' to 'empowering a sustainable future together'

Shift the Uniqa core values framing to connect community well-being with climate adaptation products, green underwriting and resilience solutions for customers and communities.

Improvements: While Uniqa’s mission and vision are robust, there are opportunities for refinement to better reflect the accelerating pace of technological change and shifting consumer expectations in 2025. The current statements could be strengthened by explicitly mentioning digital sovereignty and the ethical use of Artificial Intelligence, which are becoming critical concerns for European consumers. Compared to competitors like Allianz, which emphasize global leadership and resilience, Uniqa’s vision is more localized; adding a component regarding global sustainability leadership could enhance its appeal to international ESG investors. A specific refinement could be to evolve living better together into empowering a sustainable future together. This would bridge the gap between community well-being and the urgent need for climate adaptation products. As emerging technologies like generative AI redefine risk assessment, the mission should also reflect a commitment to human-centric technology, ensuring that the push for efficiency does not alienate customers who value personal interaction in times of crisis. These adaptations would position Uniqa not just as a service provider, but as a future-proofed guardian of societal stability. Read more on Revenue Streams & Business Model of Uniqa