Poland Insurance Market Outlook Report 2025-2027: Total Insurance Premiums are Estimated to Exceed PLN 90 Billion (€21 Billion) by Year-end 2025

Dublin, Oct. 23, 2025 (GLOBE NEWSWIRE) -- The "Insurance Market in Poland 2025-2027, CEE Insurance Series" report has been added to ResearchAndMarkets.com's offering.

The Poland Insurance Report describes the present market structure and recent trends in the insurance market. It also provides estimates of insurance premium growth expected for the years 2025-2027.

Poland's insurance sector maintained robust momentum throughout the first half of 2025, building upon its strong 2024 performance. Total insurance premiums are estimated to exceed PLN 90 billion (€21 billion) by year-end 2025.

The non-life segment continues to outperform expectations, driven primarily by motor insurance growth, and is projected to reach PLN 66 billion (€15.5 billion). Meanwhile, the life segment remains significantly smaller at PLN 24.5 billion (€5.7 billion) for 2025.

PZU holds its market-leading position across both segments, keeping 44% and 27% market share in life and non-life business, respectively. However, mid-tier competitors are intensifying their pursuit of new business, with Warta (Talanx) achieving notable organic growth success, particularly by surpassing PZU in the large motor TPL segment.

Market concentration continues to increase, with the top five insurers commanding the majority of market share. Within the broader regional context, Poland represents approximately 39% of the Central and Eastern Europe (CEE14) insurance market, valued collectively at ~€53 billion in gross written premiums as of H1 2025.

The insurance sector in Poland is benefiting from the country's position as one of the fastest-growing economies in the EU. Strong private consumption, new investments, and rising wealth are driving premium growth. However, the shrinking population and declining customer base pose structural challenges to future growth prospects.

The medium-term outlook for the insurance market from 2025 to 2027 remains positive, with life insurance premiums projected to grow at 5% annually. The non-life insurance segment is expected to expand at 7% per year, representing a moderation from the higher growth rates observed in recent years.

Key Topics Covered:

Macroeconomic overview

Executive summaryPoland - Overview and key facts, 2024/2025Poland in Europe: Number of households vs. wealth, 2024Key macroeconomic indicators, 2020-2025FForeign trade statistics, C/A, FDI, 2020-2025FUnemployment and salaries/wages, 2020-2025FDisposable income in households and income distribution, 2020-2025F; Income distribution 2024Consumer confidence index evolution, Jan. 2020- Sep. 2025Warsaw Stock Exchange - Turnover, Market cap. and indexes, 2020-Aug.2025Banking assets evolution, 2020-1H2025

Insurance market

Insurance Markets in CEE - Size vs. growth matrix, 2023-1H25Insurance premiums per capita & premiums/GDP penetration - CEE comparison, 1H25Insurance gross premiums - (life/non-life, in PLN), 2021-1H25Top 10 insurance groups in Poland by total premium written, 1H25Insurance market concentration and Herfindahl-Hirschman Index (life/non-life), 1H24 vs. 1H25Current and upcoming Insurance M&A transactions in Poland, 2020-2024Own funds for life and non-life insurers, 2020-1H25, SCR coverage ratios, 2023-1H25

Non-life insurance

Non-life insurance markets in CEE - Size vs. growth matrix, 2023-1H25Non-life premiums per capita & premiums/GDP penetration - CEE comparison, 1H25Non-life insurance gross and net premium evolution, 2021-1H25Top 10 non-life insurance players in Poland, 1H25Market shares of top non-life players evolution, 2022-1H25Non-life premium by client segment and insurance class (car insurance vs. other), 1H25Non-life premium by risk class, 2023-1H25Sales channels of non-life insurance, 2024Non-life insurers results, technical and P&L accounts (waterfall chart), 2024Non-life insurance - Profitability tree, 2020-2024Non-life insurance - Claims and expense ratio evolution, 2021-1H25Non-life insurance - Combined ratio and its elements, 2021-1H25Non-life insurance - Acquisition costs evolution, 2023-1H25, acquisition cost ratios for individual non-life insurers, 2024Network multi-agents: Unilink, CUK, Phinance, Konsultant, Rankomat, ASF, Asist, Conditor, Punkta, DCU etc.,2024Comparison websites and online multi-agencies - overview, 2024Health Insurance - Premium written, Number of insured individuals, Average premium, 2021-2024Car insurance - Premium and no. policies evolution, MTPL, Casco, 2021-1H25Car insurance - Top players in MTPL and in Casco, 2023-1H25Car insurance - Combined ratio and its elements, MTPL and in Casco, 2023-1H25Car insurance - Average premium per policy for Casco and TPL, 1Q2019-2Q2025

Life insurance

Life insurance markets in CEE - Size vs. growth matrix, 2023-1H25Life premiums per capita & premiums/GDP penetration - CEE comparison, 1H25Life insurance gross and net premiums evolution, 2021-1H25Top 10 life insurance players in Poland, 1H25Market shares of top life players evolution, 2022-1H25Life premium by insurance class and segment, 1H25Life premium by risk class evolution, 2022-1H25Life insurance technical reserves evolution and structure, 2022-1H25Sales channels of life insurance, 2024Life insurers results, Technical and P&L accounts (waterfall chart), 2024Life insurance - profitability tree, 2020-2024Life insurance - acquisition costs evolution, 2023-1H25, acquisition cost ratios for individual life insurers, 2024

Bancassurance

Bancassurance: Premium written by bank channel (life/non-life), 2022-2024,data by KNF vs. data by PIUBancassurance: Product/class split in bank channel (life/non-life), 2024Bancassurance: Sales of investment type life products other than unit-linked, 2021-2024

Top players' profiles

PZUWartaERGO Hestia

Forecast

Non-life insurance premiums forecast, 2025-2027FLife Insurance premiums forecast, 2025-2027FNotes on Methodology

Companies Featured

ALLIANZALLIANZ POLSKAAVIVACOMPENSA - Vienna Insurance GroupGENERALILINK4MetlifeNationale NederlandenPZUPZU ZYCIESTU ERGO HESTIATU EUROPATUiR WARTAUNIQAVienna Life

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