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Dôvera acquires Union, insurers sign merger agreement

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Health insurers Dôvera and Union are merging. Union's shareholder, the company Achmea B.V., and Dôvera, which belongs to the Penta investment group, signed on Wednesday, July 15, 2026, an agreement on the transfer of shares of Union zdravotná poisťovňa to Dôvera. STVR (Spravy) ↗

The aim of the transaction is to create a stronger foundation for the further development of health insurance and to merge both insurers into one. Available information indicates that after the merger is completed, a single health insurer under Dôvera is to emerge, which will take over Union zdravotná poisťovňa. hnonline.sk ↗

The merger concerns the private health insurance segment in Slovakia. Dôvera is associated with the Penta investment group, while Union has so far been owned by the Dutch company Achmea B.V. The signing of the agreement represents a key step toward the transfer of shares, though the actual practical merger will depend on further steps following the closing of the transaction. ta3.com ↗

For policyholders, what will matter most is how the insurers explain the transition period and any changes in client service. The published information does not yet state a specific integration timetable or a detailed list of changes for clients. Further developments will therefore show how quickly the transfer of shares translates into the functioning of the health insurer and services for policyholders. interez.sk ↗

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