Life Report

Product Insurance Market Reports Life Rev Kosovo

Key Highlights

Get access to Axco’s online product with the latest market intelligence for the market of your choice


  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details Kosovo's insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in Kosovo's economic and political environment
  • Demographic information
  • Market statistics and company performance

Report Overview

Independent strategic insight, line of business detail, regulatory information & market data for the non-life (P&C) insurance market of Kosovo

The Kosovo life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of Kosovo. Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers visit Kosovo and interview local professionals working across the local market. The report is updated with new information and data regularly throughout the cycle of country visits.

The report provides information about Kosovo’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in Kosovo is available.

Axco’s report describes the regulatory framework that applies to the domestic life insurance sector, including whether non-admitted insurance is permitted in Kosovo; as well as the legislation necessary to know regarding Kosovo’s healthcare, pensions and social security.

Statistics include five years of life insurance market performance indicators, including gross written premiums, premium growth and penetration rates. Company statistics show who are the leading life insurance companies in Kosovo with local life insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including Kosovan market participants, reinsurance and distribution channels. The reports describe classes of business from both individual and group life such as whole life, endowment, term life and unit-linked.
Information on non-life classes for example critical illness and private medical insurance.


The report describes the public and private healthcare system in Kosovo, the scope of cover, accessibility financing and provides an analysis of how the public and private systems complement each other.


Axco reports on the three pillars of Kosovan pension provision.

  • State pension benefits including benefit calculations and eligibility criteria 
  • Workplace pension provision; types of schemes calculations eligibility and; tax implications
  • Voluntary individual pension provision, type of products and tax implications

Social Security

The Kosovo report provides an in-depth analysis of the regulatory framework governing social security as well as details on financing and eligibility. Information includes but is not limited to

  • state pensions,
  • permanent disability benefit
  • occupational accident and disease
  • maternity and paternity payments 

Kosovo Life and Benefits Report Extract

Below are brief extracts of information from the Kosovo Life & Benefits Report; more updated information may be available in the latest published report.

Life Insurance

The life insurance market in Kosovo is very young and very small, producing only EUR 2.95mn (USD 3.27mn) in premium income in 2018, 10 years after the first life insurer was established in 2008.

It is of interest to note that whereas life gross premiums only grew by 16.7% in 2018 from EUR 2.53mn (USD 2.81mn) in 2017, the number of life policies increased from 5,559 to 9,013 in 2018, an increase ....


The UNMIK administration established a complete three-pillar pension system in 2002, comprising:

  • pillar I: a flat-rate, low level universal state pension

  • pillar II: mandatory private pensions funded with 10% of wages

  • pillar III: voluntary private pensions.

The mandatory pillar II pension is administered by the Kosovo Pension Savings Trust ....


State healthcare remains almost unavailable in some regions of Kosovo; even in the capital of Pristina medical treatment is often still poor.

The continuing poor state of Kosovo's public health services and the concurrent, rapid development of private medicine mean that there is both the customer demand and medical facilities to support a burgeoning private medical insurance (PMI) sector: by premium it is the second largest class of business in Kosovo, after motor, and far larger than the life ....

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