UNIQA 3.0

At the end of 2020, we set out with the UNIQA 3.0 strategic programme to sustainably increase our relevance and impact in people’s lives. Because it is not enough for us to be just an insurance company. We must and we also want to be more than that.

Seeding the Future

Maximum customer orientation

Our overriding vision is to protect and improve the health and prosperity of our customers. To achieve this, we focus on maximum customer orientation by consistently meeting the needs of our customers and further developing business segments that enable us to have more positive points of contact with them. At the same time, we are increasingly focusing on sustainability in all our activities.

The two main strands of action in the implementation of this vision are the optimisation of our core business, and the re-exploration of innovative business segments, digital business models and the development of an ecosystem in the health sector.

Leading service provider for a better life

The overriding objective is to be thleading service provider for a better life. Other ambitions are to maintain our market leadership in Austria, to become number 5 in CEE – which we have already achieved – to be cost-efficient and profitable, and to position ourselves as the most attractive employer in the industry.

Financial targets


The financial targets set for 2025 under UNIQA 3.0 are very concrete and ambitious: they concern premium growth (approx. 3 per cent p.a.), the combined ratio in property/casualty insurance (approx. 93 per cent), the total cost ratio (approx. 25 per cent), the return on equity (>9 per cent), the solvency ratio (>170 per cent) and customer satisfaction (4.5 stars out of 5). This should enable us to earn our cost of capital on a sustainable basis. At the same time, it allows us to pay attractive dividends and invest in the future – positively for our company’s employees and customers as well as for its shareholders.