Insurer profile
Merkur Insurance d.d.
Merkur osiguranje d.d. is a Croatian insurance company based in Zagreb, part of the Austrian Merkur Versicherung Group founded in Graz in 1798, offering life, health, accident, property and travel insurance to individuals, families and businesses in Croatia.
Source- Legal entity
- Merkur Insurance d.d.
- Headquarters
- Zagreb, Croatia
- Parent group
- Merkur Versicherung AG (Merkur International Holding Aktiengesellschaft)
- Regulator
- Croatian Financial Services Supervisory Agency (Hanfa)
- Phone
- 0800 360 360
- info@merkur.hr
- Founded
- 1996
- Last verified
- Aug 30, 2026
Products from Merkur Insurance d.d.
life
Moj izbor
Life insurance combining security with an additional savings component.
life
Život 15+ (Život 15 Plus)
Life insurance combining traditional life cover, savings, and protection against 15 critical illnesses.
life
7D Protektor
A flexible long-term savings and protection program covering illness, accident, children's insurance, and premium waiver during long-term sick leave or job loss.
life
Merkur Renta
Life insurance product focused on generating supplementary retirement income (annuity).
financial
Riziko CPI (Credit Protection Insurance)
Loan repayment protection insurance providing financial support in case of the borrower's death, permanent disability, or long-term sick leave.
health
Sretan osmijeh
Accident and illness insurance for children and young people up to 19 years of age, covering hospital allowance, fractures, and accidental death.
health
Sigurnost 500%
Personal accident insurance offering financial protection during recreational or sports activities, with customizable packages.
health
Supplementary Health Insurance (Dopunsko zdravstveno osiguranje)
Supplementary health insurance covering the participation costs not covered by mandatory health insurance, with an optional Plus package including home care and hospital daily allowance.
health
health4me Premium
Additional health insurance offering access to private specialists and medical facilities in Croatia and abroad, with optional Accident Plus and Health Plus packages.
health
fit4life preventive program
Preventive wellness program (Classic, Fitness, Relax, Food options) offered as an add-on to the health4me Premium policy.
health
health4business (collective health insurance)
Collective health insurance policy for employees, designed to help businesses invest in staff health and performance.
travel
Travel Health Insurance (single-trip and annual)
Travel medical insurance covering emergency medical assistance, hospital treatment and repatriation abroad, available as single-trip or unlimited annual policies.
property
Slagalica sigurnosti doma (Home Security Puzzle)
Customizable home and household insurance covering the building, additional structures, and household contents against a range of risks, with discounts up to 25%.
property
Merkur Business Box
Property and liability insurance package for micro and small businesses, covering premises, equipment, stock, and business interruption risks such as fire, flood and storm.
life
Supplementary death benefit rider
A supplementary rider to a life insurance policy that pays out a benefit in the case of the insured's death.
life
Supplementary critical illness rider
A supplementary rider providing a payout in the event the insured is diagnosed with a defined critical illness.
life
Supplementary accident rider
A supplementary rider added to a life insurance policy providing benefits for accidental injury.
liability
Legal Expenses Insurance
Registered insurance class covering legal defence and related legal costs.
Regulatory updates
In November 2022, Hanfa approved Merkur osiguranje's acquisition of 100% of the capital of Wüstenrot životno osiguranje, part of the Merkur Group's expansion in Southeast Europe; Merkur osiguranje held about a 1.88% share of the Croatian insurance market at the time of the transaction.
Reputation and reviews
Offer pages
Travel insurance
Merkur is a travel insurance for the Croatia market with online purchase and limited assistance availability.
Last verified Aug 30, 2026