Croatia osiguranje published its results for the third quarter of 2026

In the first nine months of 2026 Croatia osiguranje continued to achieve excellent business results, with consolidated revenue up 9.5 percent, net profit up 11.9 percent and a higher market share.

Consolidated insurance revenue, including the regional subsidiaries, amounts to EUR 489 million, 9.5 percent more than in the same period last year. Consolidated net profit (before minority interests) amounts to EUR 64.7 million, an increase of 11.9 percent on last year. The total market share by gross written premium on the Croatian market rose by 0.3 percentage points to 28.3%.

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 31.1 percent compared with the same period last year. Croatia osiguranje increased its premium through the digital channel by 62.8 percent, and the number of clients using the Moja Croatia mobile app rose by 27.3 percent.

LAQO increased its premium by 17 percent compared with the same period last year. Significant progress was made in the use of artificial intelligence. An AI voice agent for travel insurance was introduced, the first step in developing voice AI channels. The AI assistant Pavle Pauq was launched on WhatsApp, allowing users to calculate the premium and buy LAQO motor liability and comprehensive (kasko) insurance through a simple conversation. Buying motor insurance has thus been reduced to a single WhatsApp interaction, with a human agent available when needed.

Croatia Poliklinika is the third-largest private polyclinic and one of the fastest-growing healthcare networks in Croatia. Its revenue grew to EUR 28 million, 24 percent more than in the same period of the previous year. Investment continued in digital transformation aimed at greater operating efficiency, a better user experience and further development of digital services. A faster digital booking process for healthcare services was introduced for supplementary health insurance users in partner healthcare institutions.

Digital solutions also continued to develop in other business segments. Digitalising the reporting and handling of claims has brought considerable acceleration, greater efficiency and an even better customer experience: clients using the Moja Croatia app settle their claims, from report to payment, in up to 80 percent less time than in the traditional process.

Croatia once again confirmed its reputation for fast and fair claims payment after the fires in the Omiš area in August, when the first claims were paid to policyholders on the same day they were reported.

More than 332,000 households are included in Croatia’s Spektar benefits programme, an increase of 22 percent on the same period last year. Since July the Spektar guest partner feature has been available in the Moja Croatia app, allowing new partners with benefits for members to join the programme.

In July 2026 Croatia osiguranje became the first insurance company in Croatia to be certified to the international standard ISO 22301 – Business Continuity Management System.

In July 2026 Management Board member Robert Vučković was re-elected President of the Insurance Association of the Croatian Chamber of Economy.