
Study Period | 2020 - 2030 |
Base Year For Estimation | 2024 |
Forecast Data Period | 2025 - 2030 |
Market Size (2025) | USD 23.51 Billion |
Market Size (2030) | USD 33.26 Billion |
CAGR (2025 - 2030) | 7.19 % |
Market Concentration | High |
Major Players![]() *Disclaimer: Major Players sorted in no particular order |
Poland Life and Non-Life Insurance Market Analysis
The Poland Life And Non-Life Insurance Market size in terms of gross written premiums value is expected to grow from USD 23.51 billion in 2025 to USD 33.26 billion by 2030, at a CAGR of 7.19% during the forecast period (2025-2030).
The insurance market in Poland encompasses both life and non-life insurance sectors. In the life insurance segment, policies provide financial protection and investment opportunities for individuals and families. Life insurance remains vital for long-term financial planning and security despite economic challenges, such as lower per capita GDP and increased living expenses.
In the non-life insurance sector, policies cover various risks, including health, motor, property, and liability. Health and motor insurance are prominent, with rising healthcare costs and the need for vehicle coverage driving the demand. The industry has witnessed digital and technological innovations to enhance market penetration and customer engagement.
The Polish insurance market continues to evolve to meet the changing needs of consumers, balancing economic conditions with the imperative for comprehensive coverage and financial security.
Poland Life and Non-Life Insurance Market Trends
Digital Transformation is Reshaping the Insurance Landscape of Poland
The insurance industry in Poland has experienced significant trends in both life and non-life insurance sectors.
A prominent trend across both segments is digital transformation. The adoption of advanced digital technologies has reshaped how insurance services are delivered and consumed. Digital platforms and tools have enhanced customer experience, streamlined operations, and improved accessibility to insurance products. This transformation includes the integration of online policy management, digital claims processing, and the use of data analytics to personalize services and optimize risk assessment.
In the life insurance sector, digital transformation has driven growth by making it easier for consumers to manage their policies and access information. In the non-life insurance segment, the shift toward digital solutions has facilitated more efficient claim handling and expanded the reach of various insurance products, such as health, auto, and property coverage.
Overall, digital transformation is a key trend driving the expansion of the insurance market in Poland, reflecting broader changes in consumer expectations and technological advancements within the industry.

Steady Growth of the Non-life Insurance Sector in Poland
The non-life insurance sector in Poland has demonstrated a steady increase in growth over recent years. Initially, the sector experienced minimal growth, but it subsequently saw a substantial rise and has continued to expand, albeit at a moderate pace.
This consistent growth is primarily driven by heightened demand for non-life insurance products, such as health, auto, and property coverage. As consumers become more aware of the importance of comprehensive protection, demand for these insurance products has surged. This heightened awareness reflects a growing recognition of the need for financial security and risk management.
Additionally, government-mandated insurance requirements have played a significant role in this trend. Regulations that mandate auto and health insurance coverage ensure that individuals and businesses maintain essential protection. These mandatory requirements expand the market by increasing the number of insured parties and contribute to the sustained growth of the non-life insurance sector. By enforcing baseline coverage standards, these regulations support the steady upward trajectory observed in non-life insurance growth.

Poland Life and Non-Life Insurance Industry Overview
The Polish life and non-life insurance market is characterized by consolidation, with the top five companies dominating the majority of the market share. Powszechny Zaklad Ubezpieczen SA, Sopockie Towarzystwo Ubezpieczen Ergo Hestia SA, Towarzystwo Ubezpieczen I Reasekuracji Warta SA, Uniqa Towarzystwo Ubezpieczen SA, and Generali Towarzystwo Ubezpieczen SA are key players in this consolidated landscape. Recent merger and acquisition activities have further reshaped the competitive landscape. Additionally, the relatively low insurance penetration in Poland suggests untapped growth potential for insurers. Economic growth, regulatory shifts, and technological advancements are poised to propel the market ahead, presenting insurers with opportunities to innovate and tap into new market segments.
Poland Life and Non-Life Insurance Market Leaders
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Powszechny Zaklad Ubezpieczen SA
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Sopockie Towarzystwo Ubezpieczen Ergo Hestia SA
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Towarzystwo Ubezpieczen I Reasekuracji Warta SA
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Uniqa Towarzystwo Ubezpieczen SA
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Generali Towarzystwo Ubezpieczen SA
- *Disclaimer: Major Players sorted in no particular order

Poland Life and Non-Life Insurance Market News
- March 2024: UNIQA Towarzystwo Ubezpieczeń SA, a Poland-based company, secured a contract from Park Śląski Spółka Akcyjna for a range of insurance services. The contract, valued at USD 11,910,396, includes damage or loss insurance, weather-related insurance, and liability insurance services.
- February 2024: Recent legislative updates in Poland, effective from late 2022 and throughout 2023, include new KNF Recommendations on bancassurance (June 2023) and life insurance (September 2023), an Act enhancing financial market operations (August 2023), amendments to the Commercial Companies Code (October 2022), and a Criminal Code revision (October 2023). These changes aim to boost transparency, consumer protection, and insurer accountability, requiring insurers to adjust their strategies.
Poland Life and Non-Life Insurance Industry Segmentation
The life and non-life insurance market is defined as the sector offering financial protection. Life insurance covers individuals, providing death benefits or savings, while non-life insurance covers property, liability, and other risks, including health, auto, and home insurance. Both segments mitigate financial risks for individuals and businesses.
The Polish life and non-life insurance market is Segmented by insurance type (life [individual and group] and non-life [home, motor, and other non-life insurance types]) and distribution channel (direct, agency, bank, and other distribution channels). The report offers market size and forecasts in terms of value (USD) for all the above segments.
By Life Insurance | Individual |
Group | |
By Non-life Insurance | Home |
Motor | |
Other Non-Life Insurance Types | |
By Distribution Channel | Direct |
Agency | |
Banks | |
Other Distribution Channels |
Poland Life & Non-Life Insurance Market Research FAQs
How big is the Poland Life And Non-Life Insurance Market?
The Poland Life And Non-Life Insurance Market size is expected to reach USD 23.51 billion in 2025 and grow at a CAGR of 7.19% to reach USD 33.26 billion by 2030.
What is the current Poland Life And Non-Life Insurance Market size?
In 2025, the Poland Life And Non-Life Insurance Market size is expected to reach USD 23.51 billion.
Who are the key players in Poland Life And Non-Life Insurance Market?
Powszechny Zaklad Ubezpieczen SA, Sopockie Towarzystwo Ubezpieczen Ergo Hestia SA, Towarzystwo Ubezpieczen I Reasekuracji Warta SA, Uniqa Towarzystwo Ubezpieczen SA and Generali Towarzystwo Ubezpieczen SA are the major companies operating in the Poland Life And Non-Life Insurance Market.
What years does this Poland Life And Non-Life Insurance Market cover, and what was the market size in 2024?
In 2024, the Poland Life And Non-Life Insurance Market size was estimated at USD 21.82 billion. The report covers the Poland Life And Non-Life Insurance Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the Poland Life And Non-Life Insurance Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.
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Life and Non-Life Insurance in Poland Industry Report
Statistics for the 2025 Poland Life And Non-Life Insurance market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Poland Life And Non-Life Insurance analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.