Croatia osiguranje published its half-year results for 2026

Consolidated insurance revenue, including the regional subsidiaries, amounts to EUR 314.7 million, 10.4 percent more than in the same period last year. In the first half of 2026 Croatia osiguranje achieved a consolidated net profit (before minority interests) of EUR 44.4 million, an increase of 5.7 percent on last year. At the same time the total market share by gross written premium on the Croatian market rose by 0.5 percentage points to 28.1%, with growth of 0.3 percentage points in non-life and 1.0 percentage points in life insurance.

The digital business segment continues to post positive results. Premium from the total digital business, which includes Croatia osiguranje and Croatia’s digital brand LAQO, grew by 31.8 percent compared with the same period last year. Croatia osiguranje increased its premium through the digital channel by 66.4 percent, and the number of clients using the Moja Croatia mobile app rose by 34.8 percent. LAQO increased its premium by 16.8 percent compared with the same period last year. During the second quarter LAQO continued to develop the LAQOsfera loyalty programme and its digital services.

During the second quarter of 2026 strong development of digital solutions continued in sales, health and customer support. New web shops were launched for motor liability insurance, comprehensive (kasko) insurance and supplementary and additional health insurance.

The use of AI tools helped reduce the UX/UI capacity required by more than 80 percent, shorten the time from idea to implementation by 30 percent and develop up to five times faster than in projects without artificial intelligence. As an important step, an AI voice sales bot was put into operation, with its use planned to expand to further processes. In parallel, an initiative to digitalise Croatia Poliklinika was launched, with active use of AI tools.

Croatia Poliklinika recorded revenue growth of 25 percent compared with the same period of the previous year. It continues a series of strategic initiatives aimed at the digital transformation of the business, to improve the user experience, increase operating efficiency and lay the groundwork for new digital solutions. Croatia Poliklinika is the third-largest provider of healthcare services on the Croatian private healthcare market and the only one among the leading private providers without significant revenue from the Croatian Health Insurance Fund (HZZO).

In May the third anniversary of Croatia’s Spektar benefits programme was marked. By the end of June 2026 more than 326,000 households had joined the programme, 28 percent more than in the same period last year. The loyalty of five Spektar clients and their companions, among the 60,000 who took part in the prize draw in May, was rewarded with a trip to the FIFA World Cup and a match in Toronto. The number of households that used at least one Spektar benefit in the first six months of 2026 exceeded 88,000, an increase of 42 percent on the same period last year.

Croatia osiguranje concluded with AV International GmbH a cooperation agreement on a joint venture to build and launch a car service centre in Zagreb, with the aim of strengthening resilience to market pressures in the vehicle repair segment.

In May LAQO was the general sponsor of the Croatian Insurance Days, the annual gathering of the insurance industry, where the company’s experts confirmed its leading position on the domestic insurance market with well-received presentations.

At the Communication Days, Croatia Poliklinika won 13 awards for the campaign “Kada brinem, znam kamo idem” and the activation “Ispravite se”.

Croatia osiguranje further strengthened its programme for raising financial literacy in the community with the new online platform “Kad znaš više, brineš manje”, to bring the topics of insurance, risk and financial decisions closer to the wider public.