private

GRAWE Hrvatska

GRAWE Hrvatska d.d.

44.4Score

★★★☆☆3.7

Customer satisfaction · 150K members

GRAWE: Conservative Austrian Mutual Insurer(2025)

GRAWE Hrvatska is part of Grazer Wechselseitige, one of Austria's oldest insurers (founded 1828). A conservative, financially stable mutual insurer, it offers supplementary health insurance with distribution through PBZ bank.

Overall Score

44.4/100

Founded

1828

Headquarters

Zagreb

Type

private

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Key Metrics

Parent Company

Grazer Wechselseitige (Austria, mutual)

Health Products

Supplementary (dopunsko)

Distribution

PBZ bank

Parent Founded

1828

Editorial Ratings

GRAWE: Conservative Austrian Mutual Insurer(2025)

Rating: Private insurer, part of Grazer Wechselseitige (Austria) (max: #1)

44.4HANFA

Coverage Highlights

✓Part of Grazer Wechselseitige, one of Austria's oldest insurers
✓Strong in supplementary (dopunsko) health insurance
✓Conservative, financially stable mutual insurer parent
✓Distribution through PBZ bank
✓Long-term oriented products

Pros

✓Very stable Austrian mutual parent company
✓Conservative financial management
✓Good bank distribution through PBZ
✓Long history dating back to 1828

Cons

✗No English website
✗Smaller market share
✗Limited digital services

Frequently Asked Questions

What makes GRAWE Croatia different from other Croatian insurers?

GRAWE Croatia is backed by Grazer Wechselseitige, a conservative Austrian mutual insurer founded in 1828. The mutual structure means it is member-owned rather than profit-driven.

How can I purchase GRAWE Croatia health insurance?

GRAWE Croatia distributes primarily through PBZ bank and its own offices across Croatia.

Does GRAWE Croatia have an English website?

No. GRAWE Croatia's website is available only in Croatian. However, their parent company Grazer Wechselseitige has English-language resources.

Quick Summary

InsurerGRAWE Hrvatska

Country🇭🇷 Croatia

Overall Score44.4/100

Satisfaction3.7/5

Members150K

Typeprivate

Founded1828

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100

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Croatian Health Insurance Fund (HZZO)

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77.8

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Generali osiguranje

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66.7

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UNIQA osiguranje

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55.6

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