Financial results of insurance companies in 2025
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The overall net financial result of insurance companies in 2025 was higher than a year earlier and amounted to PLN 12.5 billion (PLN 10.0 billion in 2024). This was due to the improved performance of non-life insurance companies (Branch II), which increased by 35.4% year-on-year.
Earned premium was the dominant item in the total income structure. In 2025, the total gross written premium amounted to PLN 90,608.9 million (PLN 85,672.0 million in 2024), of which PLN 24,822.0 million were premiums of life insurance companies1, and PLN 65,789.9 million of non-life insurance.
Claims incurred constituted the dominant position in the total cost structure. Total gross claims paid in 2025 amounted to PLN 53,783.7 million (PLN 50,262.5 million in 2024). In Branch I they increased to PLN 17,499.6 million (an increase of 7.0%), and in Branch II their value increased to PLN 36,284.2 million (an increase of 7.0%).
1Based on the subject matter covered, insurance is divided into two branches: branch I - life insurance and branch II – non-life insurance. An insurance company may not carry out activities in branch I and II at the same time. Within each branch, insurances are divided into groups.
