Dynamic growth in sales of non-motor insurance, individual protection policies, and the Health pillar and investment funds (TFI) delivered record results for the PZU Group. In 2025, the insurer generated nearly PLN 31 billion in gross written premium and PLN 6.7 billion in net profit, while its insurance service result rose by more than 36%. “We want to harness and support the growing economic strength of Poles and Poland’s position as the world’s 20th-largest economy by offering financing and modern AI-supported products,” says Bogdan Benczak, CEO of the insurer.
“2025 was an exceptional year for the PZU Group. Despite numerous market challenges, thanks to the hard work of our entire team we were able to deliver record results—almost PLN 31 billion in premium and PLN 6.7 billion in net profit. Achieving these results while maintaining strong solvency ratios allows us to look optimistically at paying a dividend for 2026,” Bogdan Benczak, CEO of PZU, told Newseria.
Last year, insurance revenue—the core business of the PZU Group—rose by PLN 1.5 billion (5%) to a record high of nearly PLN 31 billion. Operating profit from insurance activity increased by 36.6% year-on-year to PLN 4.8 billion. Double-digit growth was recorded, among others, in non-motor insurance (up 10.3%) and in the individual protection segment (up 16.9% year-on-year).
“We will continue to grow and focus on our core business: property, life, health and investment insurance,” Benczak announces. “The PZU Group wants to benefit from—and make optimal use of—the fact that Poland has become the world’s 20th-largest economy and that our GDP is growing. As a result, our customers are strengthening their financial position. We want to build on that by offering new products across property, life, pension and health insurance.”
The Group’s largest business segment remains property and other personal insurance in the Polish market. In 2025, revenue in this area rose by 5.8% year-on-year and exceeded PLN 18.8 billion.
“When it comes to property insurance, a major challenge for us is the mass-market customer—an area where we have traditionally been the strongest,” Benczak says. “We will focus on adapting our offering and pricing to customers’ changing needs. We will do this using the latest technologies.”
Last year, PZU presented a new IT strategy for 2025–2027, announcing further deployment of artificial intelligence tools, cloud solutions and Low Code technologies enabling faster application development, along with building capabilities in these areas. According to the company, automation of sales and service processes using new technologies and GenAI is expected to be one of the key growth levers in the coming years. These innovations are intended to allow the delivery of business solutions 20% faster.
In 2025, the insurer also launched the AI Transformation project. It is using more than 30 solutions with an AI component, with another 30 in preparation. These include tools applied in claims handling, where artificial intelligence has already processed claims worth approximately PLN 10 billion. The insurer is also rolling out a pilot AI Assistant, used regularly by more than half of employees, supported by so-called AI ambassadors.
“We use artificial intelligence in many dimensions. In addition to applying AI in systems for risk assessment, we also support our employees. Thanks to training and the promotion of the AI Assistant within the PZU Group, our people generated more than 1.7 million prompts in 2025. I believe this is a very good start. It will translate into greater comfort at work, better results, and also higher-quality customer service,” the CEO of PZU SA emphasizes.
The development of digital solutions is also particularly important in the Group’s health segment. In 2025, nearly half of visits were booked via the mojePZU platform, and 95% of telemedicine services were delivered using PZU’s own infrastructure—through its Telemedicine Center and PZU Zdrowie’s proprietary network. Revenue in the health segment grew by 14.4% year-on-year to nearly PLN 2.2 billion. Growth was driven by both health insurance and subscriptions, as well as the expansion of PZU Zdrowie’s own network of medical facilities.
In PZU’s view, prospects for the insurance market in 2026 remain strongly linked to the macroeconomic environment. A major opportunity comes from ongoing and planned large infrastructure and energy investments.
“We want to actively support the Polish economy by insuring new investments, but also by financing them. We see a huge opportunity to participate in this process. We want to be both a beneficiary and a contributor to Poland’s improving economic outlook,” says Benczak.
The PZU Group is also present in four other Central and Eastern European countries: the Baltic states and Ukraine. In Lithuania, it expanded self-service portal functionalities for claims handling in 2025, and in Ukraine it launched online sales of motor and travel policies. PZU is also analyzing expansion opportunities in additional markets.
“We are considering various variants of our expansion through active reinsurance [insuring risks of other insurers – ed.]. We have set up a team to analyze this possibility. We are also considering other options, such as cooperation with selected partners within MGA (Managing General Agent) projects,” Benczak adds.
