UNIQA BiH

UNIQA BiH is a general and life insurance operated by UNIQA Osiguranje d.d. Sarajevo, headquartered in Sarajevo, Bosnia and Herzegovina. Launched in 2002 (local entity); UNIQA Group founded 1922, it is parent UNIQA Insurance Group AG trades Vienna Stock Exchange: UQA. The current customer offer spans Motor TPL / Comprehensive (kasko) / Home / Travel / Health, with an anchor price of from BAM 40/month (around USD 25-90 per month). The 2026 development emphasis is: continued digitalisation of policy issuance via the UNIQA app rolled out across CEE markets through 2025-2026.

Quick facts

• Operator: UNIQA Osiguranje d.d. Sarajevo
• Headquarters: Sarajevo, Bosnia and Herzegovina
• Public-market status: parent UNIQA Insurance Group AG trades Vienna Stock Exchange: UQA
• Founded: 2002 (local entity); UNIQA Group founded 1922
• Current tiers: Motor TPL / Comprehensive (kasko) / Home / Travel / Health
• Anchor price (2026): from BAM 40/month (around USD 25-90 per month)
• Regulator: Insurance Agency of BiH
• 2025-2026 differentiator: continued digitalisation of policy issuance via the UNIQA app rolled out across CEE markets through 2025-2026

What is UNIQA BiH?

UNIQA BiH is a general and life insurance sold to customers in Bosnia and Herzegovina by UNIQA Osiguranje d.d. Sarajevo. The product surface covers the core capabilities listed below, billed in BAM through the operator's website, mobile app and (where applicable) retail partners. UNIQA BiH sits in the general and life insurance category — concretely, Bosnian arm of Austria-based UNIQA Group, competing with Sarajevo-osiguranje and Triglav. The 2025-2026 product roadmap centres on: continued digitalisation of policy issuance via the UNIQA app rolled out across CEE markets through 2025-2026.

Why choose UNIQA BiH

Operator credibility and footprint

UNIQA Osiguranje d.d. Sarajevo is the company that owns and runs the service. The fact that it is parent UNIQA Insurance Group AG trades Vienna Stock Exchange: UQA and based in Sarajevo, Bosnia and Herzegovina matters because customers in Bosnia and Herzegovina can pursue contract enforcement, complaints and regulatory escalation in their own jurisdiction. Bosnian arm of austria-based uniqa group, competing with sarajevo-osiguranje and triglav.

Concrete product breadth

UNIQA BiH's product surface is built around: Motor third-party liability; Comprehensive home cover; Health and travel cover; Online claim filing; Multi-policy household discount. The mix is wider than a single-feature point product and narrower than an everything-app — it targets the general and life insurance buyer who wants depth on the named capabilities rather than a generic catch-all.

2025-2026 momentum

The differentiator worth weighing for a new subscription in 2026 is concrete and dated: continued digitalisation of policy issuance via the UNIQA app rolled out across CEE markets through 2025-2026. That gives subscribers a forward signal beyond the static catalogue and tier list — i.e. capability the operator is actively investing in this year.

Pricing and tier ladder

UNIQA BiH sells through 5 named tiers — Motor TPL / Comprehensive (kasko) / Home / Travel / Health. Pricing on the operator's site is denominated in BAM; the anchor price for entry-level access is from BAM 40/month (around USD 25-90 per month). The tier ladder is structured around feature breadth rather than usage caps alone, so higher tiers add named capabilities (not just larger buckets).

Live list pricing rotates by promotion window — for canonical numbers, check the operator's pricing page for the current campaign before committing.

What's included — named features

• Motor third-party liability — compulsory TPL cover with optional comprehensive (kasko) add-ons.
• Comprehensive home cover — buildings and contents cover with personal liability.
• Health and travel cover — top-up health, travel medical and trip cancellation lines.
• Online claim filing — digital claim notification via the customer portal and mobile app.
• Multi-policy household discount — bundling multiple policies in one household earns a multi-line discount.
• No-claims bonus tracking — no-claims discount earned for claim-free years on motor cover.
• 24/7 emergency assistance — emergency claim hotline operating around the clock.

Where you can use it

UNIQA BiH is sold and delivered inside Bosnia and Herzegovina. The customer journey runs through UNIQA's website and (where applicable) iOS and Android apps. Activation, billing and customer support are handled in BAM and the local language of Bosnia and Herzegovina. Cross-border use is governed by the operator's terms; some features such as roaming, geo-restricted content or DTH satellite footprint may be limited outside the home country.

Regulation and consumer protection

The credible read on UNIQA BiH in 2026 is that it operates inside Bosnia and Herzegovina under sector regulation by Insurance Agency of BiH, with the operator publishing standard terms, privacy policy and complaints handling on its site. continued digitalisation of policy issuance via the UNIQA app rolled out across CEE markets through 2025-2026.

How UNIQA BiH compares within its bracket

Bosnian arm of austria-based uniqa group, competing with sarajevo-osiguranje and triglav. The practical comparison points are tier price (where UNIQA BiH anchors at from BAM 40/month), feature parity on the general and life insurance surface listed above, and the 2025-2026 trajectory called out in the differentiator. Customers shopping the general and life insurance bracket should weight those three together rather than the headline price alone.

Refunds, cancellation and cooling-off

Cancellation and refund handling follow the operator's published terms and the consumer law in Bosnia and Herzegovina. For ongoing-service subscriptions the practical path is to cancel before the next billing cycle via the self-service portal; for fixed-term contracts (often used on telco and insurance lines) a cooling-off window applies under local consumer law.

Customer support channels

Support for UNIQA BiH runs through the operator's mobile app, web help centre and a telephone hotline in business hours; some categories (insurance, telco) maintain 24/7 emergency lines. Response times and SLA levels vary by tier.

Who it suits

UNIQA BiH is a credible fit for customers in Bosnia and Herzegovina who want a general and life insurance subscription from a named operator rather than a foreign-only or pure-OTT product. Specifically:

• A resident in Bosnia and Herzegovina buying the general and life insurance category for the first time and wanting a domestic invoice and customer-service language.
• An existing customer of an adjacent operator product looking to consolidate billing into one provider.
• A household wanting the named features in the tier ladder (Motor TPL through Health) rather than an everything-bundle.
• A buyer who values the 2025-2026 trajectory: continued digitalisation of policy issuance via the UNIQA app rolled out across CEE markets through 2025-2026. It is less of a fit for customers outside Bosnia and Herzegovina, for buyers who need feature parity not listed in the tier ladder, or for those who already have an equivalent bundled subscription from a competing operator.

Frequently asked questions

Who actually operates UNIQA BiH?

UNIQA Osiguranje d.d. Sarajevo, headquartered in Sarajevo, Bosnia and Herzegovina. The legal-entity relationship and ownership chain is summarised in the Operator and Quick facts sections above.

Is UNIQA BiH listed on a public stock exchange?

Parent uniqa insurance group ag trades vienna stock exchange: uqa.

When was UNIQA BiH founded?

2002 (local entity); UNIQA Group founded 1922.

How much does UNIQA BiH cost?

The anchor price is from BAM 40/month (about around USD 25-90 per month). Tiers (Motor TPL / Comprehensive (kasko) / Home / Travel / Health) trade off feature breadth and inclusions; check the operator's pricing page for the current campaign price.

What are the main UNIQA BiH subscription tiers?

Motor TPL / Comprehensive (kasko) / Home / Travel / Health. Tier choice depends on which named features in the list above the buyer needs.

Where is UNIQA BiH available?

In Bosnia and Herzegovina. Cross-border use of category-specific features is governed by the operator's terms.

Is UNIQA BiH regulated?

Yes — by Insurance Agency of BiH in Bosnia and Herzegovina, alongside general consumer-protection law.

What is UNIQA BiH's 2025-2026 differentiator?

Continued digitalisation of policy issuance via the uniqa app rolled out across cee markets through 2025-2026.

How do I cancel UNIQA BiH?

Via the operator's self-service account portal or mobile app; cancellation takes effect at the end of the current billing cycle subject to the contract type and any in-term notice period.

How does UNIQA BiH compare in its category?

Bosnian arm of austria-based uniqa group, competing with sarajevo-osiguranje and triglav. Compare on tier price, named feature parity and 2025-2026 trajectory rather than headline price alone.

Get started with UNIQA BiH

To subscribe to UNIQA BiH, head to the operator's site in Bosnia and Herzegovina. Anchor tier from BAM 40/month (around USD 25-90 per month); compare the full ladder against the named features above before committing.

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