Insurer profile
SALTUS Mutual Insurance Society / SALTUS Life Insurance Company SA
SALTUS Ubezpieczenia is a Polish insurance brand comprising two mutual/joint-stock insurers — SALTUS TUW (property and personal lines) and SALTUS TU Życie SA (life insurance) — both headquartered in Sopot. Founded in 1995 and linked to the SKOK cooperative financial group, SALTUS serves over one million policyholders across Poland through a network of more than 2,000 agency outlets and over 5,000 medical facilities.
Source- Legal entity
- SALTUS Mutual Insurance Society / SALTUS Life Insurance Company SA
- Headquarters
- Sopot, Poland
- Parent group
- Spółdzielcze Kasy Oszczędnościowo-Kredytowe (SKOK)
- Regulator
- Polish Financial Supervision Authority (KNF – Komisja Nadzoru Finansowego)
- Phone
- +48 58 770 36 90
- info@saltus.pl
- Founded
- 1995
- Last verified
- Aug 18, 2026
Products from SALTUS Mutual Insurance Society / SALTUS Life Insurance Company SA
health
SALTUS Na Zdrowie – Individual Health Insurance
Individual health insurance providing fast access to specialist consultations and diagnostic tests at over 5,000 medical facilities across Poland, available in Optimal and Comfort variants.
health
SALTUS Kuracja – Individual Health Insurance (Post-Event)
Individual health insurance designed for persons requiring ongoing medical care or recovery following a health event, accessible without prior medical questionnaire.
health
SALTUS ZDROWIE – Group Health Insurance for Companies
Group health insurance plan for employers offering employees fast access to specialists, diagnostics, and preventive health programs via a network of over 5,000 medical facilities.
life
VERTUS Życie i Zdrowie – Group Life and Health Insurance for Companies
Group life and health insurance for employees covering 59 insured risks including death, serious illness, disability, and childbirth, providing financial security for employees and their families.
property
SALTUS Mój Dom – Home and Apartment Insurance
Individual property insurance for apartments and single-family homes covering fire, flooding, theft, and other random events, including home assistance services and civil liability.
property
SALTUS Business Property and All-Risks Insurance
Comprehensive commercial property insurance for businesses and institutions covering buildings, machinery, all-risks, civil liability, and environmental liability.
health
SALTUS NNW – Personal Accident Insurance
Personal accident insurance covering permanent disability, death resulting from an accident, serious illness, hospitalisation, and civil liability in private life.
travel
SALTUS Moja Podróż – Travel Insurance
Travel insurance covering medical expenses and transport abroad, accident (NNW), civil liability, and baggage loss or damage during trips.
motor
Motor Insurance OC / AC (via partner insurers)
Motor third-party liability (OC) and comprehensive casco (AC) insurance distributed via cooperative savings-and-credit union branches (SKOK outlets) from a range of partner insurers.
financial
SALTUS Loan and Credit Protection Insurance
Loan and mortgage protection insurance covering the borrower in the event of death, critical illness, total disability, hospitalisation due to accident, or loss of employment.
life
SALTUS – Twoje Życie (Your Life) – Individual Life Insurance
Individual life and health protection insurance covering death, critical illness, total disability to live independently, hospitalisation due to accident, and death of spouse due to accident.
liability
SALTUS Professional and Business Civil Liability Insurance (OC)
Civil liability insurance for businesses and professionals covering third-party claims arising from business operations, including selected mandatory professional liability lines.
health
SALTUS Group Accident Insurance for Schools (Students and Teachers)
Group personal accident insurance dedicated to educational institutions covering students and teachers against consequences of accidents during school activities.
life
SALTUS Moje Bezpieczeństwo – Individual Life and Critical Illness Insurance
Individual voluntary insurance providing protection against accident consequences, critical illness, death due to heart attack or stroke, hospitalisation, and civil liability in private life.
other
SALTUS – Moje BEZPIECZEŃSTWO – Personal Accident Insurance (NNW)
Individual personal accident insurance covering injury, permanent disability, death from accident or heart attack/stroke, serious illness, and personal liability in private life.
Regulatory updates
SALTUS TUW and SALTUS TU Życie SA are both licensed and supervised by the KNF (Komisja Nadzoru Finansowego). Both entities publish annual Solvency and Financial Condition Reports (SFCR) as required under Solvency II; the 2025 SFCR was published on saltus.pl. As of 2026, both companies maintain solvency capital ratios (SCR) well above European regulatory minima. No specific KNF enforcement actions or license revocations against SALTUS were found in publicly available sources as of August 2026.
Reputation and reviews
Verified offer pages
Travel insurance
SALTUS Ubezpieczenia is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Last verified Aug 18, 2026