Insurer profile

UNIQA Biztosító Zrt.

UNIQA Biztosító Zrt. · Hungary

Founded 1990Budapest, HungaryLast verified Sep 28, 2026

Overview

UNIQA Biztosító Zrt. is a traditional composite insurer operating in Hungary since 1990, a member of the Austrian UNIQA Group since the summer of 2003. It sells all types of property and personal insurance through a nationwide sales network and has extensive experience in the insurtech sector, including a recently launched AI-based claims settlement assistant (NiQA).

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Company details

Parent group: UNIQA Insurance Group AG
Regulator: Magyar Nemzeti Bank (Hungarian National Bank – MNB)
Phone: +36 1 544 5555
Email: [email protected]

Official website

Products from UNIQA Biztosító Zrt.

Motor

Compulsory Motor Third Party Liability Insurance (MTPL)

Mandatory motor third-party liability insurance covering damages caused to others in road accidents.

Casco Insurance

Comprehensive vehicle own-damage insurance covering collision, theft, fire, and weather-related damages to the insured's own vehicle.

Fleet Casco Insurance

Casco insurance for corporate vehicle fleets (from 5 vehicles), covering physical damage, theft, and robbery.

Property

UNIQA HomeGuard Home Insurance

Residential property insurance protecting homes against common and high-impact risks such as fire, storm, and theft, with online quoting and discounts of up to 50%.

Qualified Consumer-Friendly Home Insurance (MFO)

MNB-certified consumer-friendly home insurance product tailored to Hungarian households, meeting standardised consumer protection criteria.

Condominium (Homeowners' Association) Insurance

Insurance for communal property in residential condominiums and homeowners' associations.

Corporate Property Insurance (Vagyonbiztosítás)

Commercial property insurance for businesses covering buildings, machinery, inventory, and equipment against fire, elemental damage, burglary, and all-risks perils.

Fine Art and Valuables Insurance

Specialist insurance for fine art, collectibles, and other high-value items.

Technical Insurance

Insurance covering technical and machinery risks for corporate clients.

Marine (Boat) Insurance

Insurance for small watercraft and boats.

Cargo / Freight Insurance

Insurance for domestic and international cargo and freight shipments.

Solar Panel Insurance

Specialist insurance for solar panels and solar collectors.

Health

Accident Insurance

Personal accident insurance covering rehabilitation costs and compensation for injuries resulting from unforeseen accidents.

Individual Health Insurance

Individual health insurance providing comprehensive coverage for medical and hospital costs arising from illness or injury.

Med 4 Group Corporate Health Insurance

Group health insurance for employers to protect employees with access to specialist care, diagnostics, and online medical consultations via Teladoc.

Liability

Perfekt Business Liability Insurance

Comprehensive liability insurance for businesses and self-employed individuals covering third-party bodily injury, property damage, and personal rights infringement claims.

Corporate Liability Insurance

Employer's liability insurance protecting businesses against claims arising from workplace accidents causing bodily injury, property damage, or personal rights infringement.

Travel

UNIQA GoPack Travel Insurance

Single-trip and annual travel insurance with medical, accident, and assistance coverage, available in Standard, Optimum, and Premium tiers for Europe and worldwide.

UNIQA TravelGuard Travel Insurance

Travel insurance product underwritten by UNIQA Versicherung AG (Liechtenstein) with emergency assistance available via dedicated hotlines.

Life

UNIQA Jövővédő Term Life Insurance

Term life insurance providing financial protection for the policyholder's loved ones in the event of unexpected death.

UNIQA Lifeguard Term Life Insurance

Risk-based term life insurance providing coverage for the policyholder's beneficiaries in case of death.

Életcél Investment Life Insurance

Unit-linked investment life insurance combining regular HUF-denominated savings with life protection and a unique bonus system.

Pension Insurance (Classic and Unit-Linked)

Long-term pension savings insurance offering both classic and unit-linked options for retirement planning.

Bonus Five (252) Life Insurance

Savings-type life insurance product with a bonus structure.

Harmónia Bónusz (170) Pension Insurance

Unit-linked pension insurance with a bonus system for long-term retirement savings.

Financial

Group Loan Protection Insurance

Group credit protection insurance sold via bank channels to protect loan repayments in case of death, disability, or other insured events.

Other

Affinity Insurance Solutions

Tailor-made affinity insurance solutions for medium and large corporate clients to enhance their products, services, and customer loyalty.

Regulatory updates

In May 2025, the MNB closed a thematic review of UNIQA Biztosító Zrt. (decision H-JÉ-II-B-59/2025) as part of a group action against nine insurers concerning group loan protection insurance sold via bank channels, resulting in a combined HUF 103 million fine across the market. UNIQA also had to comply with MNB Recommendation 12/2024 (XII.10.) on reviewing the expected performance of investment unit-linked life and pension insurance asset portfolios. UNIQA is participating in the government-backed home insurance premium freeze, keeping new and renewing residential policy prices at end-2024 levels through 30 June 2026. Separately, in April 2026 UNIQA launched "NiQA", an AI-based virtual claims assistant that now handles roughly one in three home-damage claims (starting with pipe-burst damage), with autonomous decisioning and payout in some cases.