Poland Insurance Sector Report 2025-2026

With PLN 239.5bn of open pension funds' assets and PLN 85.7bn of combined premiums in 2024, the Polish insurance market maintains its position as the largest in Central and Eastern Europe (CEE). The market demonstrated robust growth momentum, with total premiums expanding 8.5% year-on-year, driven by exceptional performance in the non-life segment which grew 13.7% y/y to PLN 62.1bn, while life insurance premiums increased 3.3% y/y to PLN 23.6bn. Despite this strong performance, insurance penetration remains relatively low compared to Western European standards, presenting significant growth opportunities. The life insurance segment showed improved technical performance with a profitability ratio of 18.57%, while the non-life segment faced claims pressure with gross claims paid rising 21.0% to PLN 33.9bn, primarily due to natural catastrophe losses from the September 2024 floods.

This report provides a complete and detailed analysis of the "Banking and insurance" sector for Poland. EMIS Insights presents in-depth business intelligence in a standard format across countries and regions, providing a balanced mix between analysis and data.

What this report allows you to do:

• Understand the key elements at play in the "Banking and insurance" sector in Poland
• Crystallise the forces both driving and restraining this sector in Poland
• Ascertain Poland’s position in the global sector
• Build a complete perspective on sector trade, investment and employment
• Understand the competitive landscape and who the major players are
• View M&A activity and major deals
• Gain an understanding of the regulatory environment for the sector in Poland.
• Build a clear picture of trends, output and consumption for specific sub-sectors