The insurance company Mikrofin Osiguranje a.d. Banja Luka was founded by the microcredit organization “Mikrofin” d.o.o. Banja Luka.
The company’s share capital amounts to BAM 7,000,000, divided into 70,000 shares with a nominal value of BAM 100 each. With a strong focus on risk management, the company concludes reinsurance contracts with leading reinsurance companies from the region for each business year.
Aiming to provide our policyholders with faster and more efficient service, we have established cooperation with the renowned global company April Assistance in the field of health insurance assistance and roadside assistance worldwide. Throughout our operations, we have become a significant and reliable partner to a large number of financial institutions in Bosnia and Herzegovina.
Mikrofin Insurance bases its cooperation with existing and future business partners on the following principles:
- long-term collaboration based on mutual interest,
- joint market presence,
- adherence to professional standards,
by providing insurance protection through various types of insurance, with a strong commitment to addressing the specific needs of each policyholder. This includes offering competitive premium rates, flexible payment options, and fast claims settlement in order to ensure the highest quality insurance coverage.
In line with this, we pursue the following strategy:
- We adopt new technologies, employ and educate staff to provide the highest quality of service.
- We encourage teamwork, delegate authority, and demand accountability.
- We promote personal development and build awareness within an environment of openness, integrity, and long-term security.
- We support business expansion and stronger client relationships with the aim of sustainable development and stable growth.
We achieve client satisfaction by offering affordable products tailored to their needs, through professional and prompt handling of claims, as well as continuous improvement of our services.
We meet shareholder expectations in accordance with the principles of sound business practices and by operating in full compliance with applicable regulations.
Accident Insurance
With an accident insurance policy, you can arrange the following types of insurance:
- Insurance of employees against consequences of accidents
- Insurance of household members
- Insurance of children, pupils, and students
- Insurance of guests, visitors, and tourists, including liability coverage
- Insurance of passengers in public transportation
Motor Vehicle Insurance
We understand that your car is more than just a machine. We appreciate the time, effort, and care you invested in choosing a vehicle that perfectly suits your needs. That’s why we are committed to doing everything possible to protect both you and your vehicle from the risks you may face on the road.
Liability insurance for motor vehicles is legally mandatory. Its purpose is to provide you with financial protection against any costs that may arise if you cause damage to third parties (pedestrians, motorcyclists, cyclists, other vehicles, and similar) with your vehicle. In the event of damage, Mikrofin Insurance will cover the costs on your behalf, up to the insured amount.
Liability
Businesses face various types of risks every day that can often threaten their survival. Despite the intention to conduct operations without errors and in accordance with established professional regulations and business rules, even minor incidents can lead to compensation claims or even lawsuits that may cause significant financial losses. Mikrofin Insurance offers you the possibility of protection against liability to third parties, both in the area of general and professional liability.
Business
The success of your operations often depends on the timely assessment of risks that may threaten your business, assets, and even the livelihood of your employees. Mikrofin Insurance offers a wide range of products designed to protect entrepreneurs, companies, institutions, associations, and other legal entities from all types of risks they may be exposed to.
Property Insurance
Your home, the microcosm you share with your loved ones, should be the most protected place in your life. There are various predictable and unpredictable circumstances that can compromise the safety of your home. Mikrofin Insurance offers you the option of individual or combined insurance for your house or apartment and the belongings inside. A single insurance policy can provide protection against all risks that most commonly threaten the security of a home. By wisely choosing optimal coverage, you can ensure simple and effective protection for yourself, and in the event of unfortunate incidents, we will make sure to handle your claims as quickly as possible.
Travel Health Insurance
Whether you are traveling abroad for tourism or business, once a year or very frequently, alone or with your family, every trip of this kind carries the risk of accidents, illnesses, or trip cancellations.
Health
The fast pace of life often leaves little time to care for what should be the most important — your health.
Take care of yourself and your loved ones by providing them with additional health coverage for those situations when regular healthcare is not sufficient. Mikrofin Insurance offers two types of health insurance in its program: voluntary and supplementary health insurance.
Transport
Carrier’s liability insurance for goods accepted for transport in road transport covers their responsibility for total or partial physical loss or damage to goods during transportation in domestic and international road transport.
Agriculture
In conditions of unpredictable weather, the success of agricultural production often depends on luck. Statistics show that damages caused by weather disasters are increasing year by year. Don’t let the success of your annual crop yield or livestock production depend solely on weather forecasts and natural circumstances. Secure timely insurance and ensure adequate protection against potential damages with Mikrofin Insurance products.
Here you can find out more about us.