<xsd:schema
  targetNamespace='https://www.sava-re.si/esef/2021-12-31'
  xmlns:link='http://www.xbrl.org/2003/linkbase'
  xmlns:xlink='http://www.w3.org/1999/xlink'
  xmlns:xs='http://www.w3.org/2001/XMLSchema'
  xmlns:xsd='http://www.w3.org/2001/XMLSchema'
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
>

<xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
<xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
<xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
<xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>

  <xsd:import
    namespace='http://www.esma.europa.eu/xbrl/esef/arcrole/wider-narrower'
    schemaLocation='http://www.xbrl.org/lrr/arcrole/esma-arcrole-2018-11-21.xsd'
   />
  <xsd:import
    namespace='http://www.esma.europa.eu/taxonomy/2020-03-16/esef_cor'
    schemaLocation='http://www.esma.europa.eu/taxonomy/2020-03-16/esef_cor.xsd'
   />



  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:href='http://www.esma.europa.eu/taxonomy/2020-03-16/esef_cor-lab-en.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='http://www.esma.europa.eu/taxonomy/2020-03-16/esef_cor-gen-en.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/labels/lab_full_ifrs-en_2020-03-16.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/labels/doc_full_ifrs-en_2020-03-16.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='549300P6F1BDSFSW5T72-2021-12-31_lab-sl.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='549300P6F1BDSFSW5T72-2021-12-31_def.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='549300P6F1BDSFSW5T72-2021-12-31_cal.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />
      <link:linkbaseRef xlink:href='549300P6F1BDSFSW5T72-2021-12-31_pre.xml' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:type='simple' />

        <link:roleType id="id_1" roleURI="https://www.sava-re.si/esef/2021-12-31/roles/Anchoring">
            <link:definition>Role for anchoring relationships</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_2" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs-dim_role-901000">
            <link:definition>[901000] Os – Uporaba za nazaj in sprememba za nazaj</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_3" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs-dim_role-901100">
            <link:definition>[901100] Os – Odmik od zahteve MSRP</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_4" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs-dim_role-901500">
            <link:definition>[901500] Os – Datum oblikovanja</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_5" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs-dim_role-903000">
            <link:definition>[903000] Os – Ohranjeno in ustavljeno poslovanje</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_6" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs-dim_role-904000">
            <link:definition>[904000] Os – Sredstva in obveznosti, razvrščena kot v posesti za prodajo</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_7" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs-dim_role-913000">
            <link:definition>[913000] Os – Konsolidirani in ločeni računovodski izkazi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_8" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-310000">
            <link:definition>[310000] Izkaz vseobsegajočega donosa, poslovni izid, po vlogi odhodkov</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_9" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-320000">
            <link:definition>[320000] Izkaz vseobsegajočega donosa, poslovni izid, po naravi odhodkov</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_10" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-610000">
            <link:definition>[610000] Izkaz sprememb lastniškega kapitala</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_11" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-810000">
            <link:definition>[810000] Pojasnila – Informacije o podjetju in izjava o skladnosti z MSRP</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_12" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-810000a">
            <link:definition>[810000] Pojasnila – Informacije o podjetju in izjava o skladnosti z MSRP</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_13" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-810000b">
            <link:definition>[810000] Pojasnila – Informacije o podjetju in izjava o skladnosti z MSRP</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_14" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-810000c">
            <link:definition>[810000] Pojasnila – Informacije o podjetju in izjava o skladnosti z MSRP</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_15" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-861000">
            <link:definition>[861000] Pojasnila – Analiza drugega vseobsegajočega donosa po postavkah</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_16" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-861200a">
            <link:definition>[861200] Pojasnila – Delniški kapital, rezerve in drugi deleži v lastniškem kapitalu</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_17" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-861200b">
            <link:definition>[861200] Pojasnila – Delniški kapital, rezerve in drugi deleži v lastniškem kapitalu</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_18" roleURI="https://www.sava-re.si/xbrl/role/all/ias_10_role-815000">
            <link:definition>[815000] Pojasnila – Dogodki po poročevalskem obdobju</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_19" roleURI="https://www.sava-re.si/xbrl/role/all/ias_12_role-835110">
            <link:definition>[835110] Pojasnila – Davki iz dobička</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_20" roleURI="https://www.sava-re.si/xbrl/role/all/ias_16_role-822100">
            <link:definition>[822100] Pojasnila – Opredmetena osnovna sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_21" roleURI="https://www.sava-re.si/xbrl/role/all/ias_19_role-834480">
            <link:definition>[834480] Pojasnila – Zaslužki zaposlencev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_22" roleURI="https://www.sava-re.si/xbrl/role/all/ias_19_role-834480a">
            <link:definition>[834480] Pojasnila – Zaslužki zaposlencev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_23" roleURI="https://www.sava-re.si/xbrl/role/all/ias_19_role-834480b">
            <link:definition>[834480] Pojasnila – Zaslužki zaposlencev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_24" roleURI="https://www.sava-re.si/xbrl/role/all/ias_19_role-834480c">
            <link:definition>[834480] Pojasnila – Zaslužki zaposlencev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_25" roleURI="https://www.sava-re.si/xbrl/role/all/ias_19_role-834480d">
            <link:definition>[834480] Pojasnila – Zaslužki zaposlencev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_26" roleURI="https://www.sava-re.si/xbrl/role/all/ias_24_role-818000">
            <link:definition>[818000] Pojasnila – Povezana stranka</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_27" roleURI="https://www.sava-re.si/xbrl/role/all/ias_24_role-818000a">
            <link:definition>[818000] Pojasnila – Povezana stranka</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_28" roleURI="https://www.sava-re.si/xbrl/role/all/ias_27_role-825480">
            <link:definition>[825480] Pojasnila – Ločeni računovodski izkazi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_29" roleURI="https://www.sava-re.si/xbrl/role/all/ias_27_role-825480a">
            <link:definition>[825480] Pojasnila – Ločeni računovodski izkazi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_30" roleURI="https://www.sava-re.si/xbrl/role/all/ias_27_role-825480c">
            <link:definition>[825480] Pojasnila – Ločeni računovodski izkazi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_31" roleURI="https://www.sava-re.si/xbrl/role/all/ias_36_role-832410a">
            <link:definition>[832410] Pojasnila – Oslabitev sredstev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_32" roleURI="https://www.sava-re.si/xbrl/role/all/ias_36_role-832410b">
            <link:definition>[832410] Pojasnila – Oslabitev sredstev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_33" roleURI="https://www.sava-re.si/xbrl/role/all/ias_36_role-832410c">
            <link:definition>[832410] Pojasnila – Oslabitev sredstev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_34" roleURI="https://www.sava-re.si/xbrl/role/all/ias_36_role-832410d">
            <link:definition>[832410] Pojasnila – Oslabitev sredstev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_35" roleURI="https://www.sava-re.si/xbrl/role/all/ias_37_role-827570a">
            <link:definition>[827570] Pojasnila – Druge rezervacije, pogojne obveznosti in pogojna sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_36" roleURI="https://www.sava-re.si/xbrl/role/all/ias_37_role-827570b">
            <link:definition>[827570] Pojasnila – Druge rezervacije, pogojne obveznosti in pogojna sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_37" roleURI="https://www.sava-re.si/xbrl/role/all/ias_38_role-823180">
            <link:definition>[823180] Pojasnila – Neopredmetena sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_38" roleURI="https://www.sava-re.si/xbrl/role/all/ias_38_role-823180a">
            <link:definition>[823180] Pojasnila – Neopredmetena sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_39" roleURI="https://www.sava-re.si/xbrl/role/all/ias_38_role-823180b">
            <link:definition>[823180] Pojasnila – Neopredmetena sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_40" roleURI="https://www.sava-re.si/xbrl/role/all/ias_38_role-823180c">
            <link:definition>[823180] Pojasnila – Neopredmetena sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_41" roleURI="https://www.sava-re.si/xbrl/role/all/ias_40_role-825100">
            <link:definition>[825100] Pojasnila – Naložbene nepremičnine</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_42" roleURI="https://www.sava-re.si/xbrl/role/all/ias_41_role-824180">
            <link:definition>[824180] Pojasnila – Kmetijstvo</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_43" roleURI="https://www.sava-re.si/xbrl/role/all/ias_41_role-824180a">
            <link:definition>[824180] Pojasnila – Kmetijstvo</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_44" roleURI="https://www.sava-re.si/xbrl/role/all/ias_41_role-824180b">
            <link:definition>[824180] Pojasnila – Kmetijstvo</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_45" roleURI="https://www.sava-re.si/xbrl/role/all/ias_7_role-851100">
            <link:definition>[851100] Pojasnila – Izkaz denarnih tokov</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_46" roleURI="https://www.sava-re.si/xbrl/role/all/ias_8_role-811000">
            <link:definition>[811000] Pojasnila – Računovodske usmeritve, spremembe računovodskih ocen in napake</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_47" roleURI="https://www.sava-re.si/xbrl/role/all/ias_8_role-811000a">
            <link:definition>[811000] Pojasnila – Računovodske usmeritve, spremembe računovodskih ocen in napake</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_48" roleURI="https://www.sava-re.si/xbrl/role/all/ias_8_role-811000b">
            <link:definition>[811000] Pojasnila – Računovodske usmeritve, spremembe računovodskih ocen in napake</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_49" roleURI="https://www.sava-re.si/xbrl/role/all/ias_8_role-811000c">
            <link:definition>[811000] Pojasnila – Računovodske usmeritve, spremembe računovodskih ocen in napake</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_50" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_1_role-819100a">
            <link:definition>[819100] Pojasnila – Prva uporaba</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_51" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_1_role-819100b">
            <link:definition>[819100] Pojasnila – Prva uporaba</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_52" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_1_role-819100c">
            <link:definition>[819100] Pojasnila – Prva uporaba</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_53" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_54" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700a">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_55" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700b">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_56" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700c">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_57" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700d">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_58" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700e">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_59" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700f">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_60" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_12_role-825700g">
            <link:definition>[825700] Pojasnila – Deleži v drugih podjetjih</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_61" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_62" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000a">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_63" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000b">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_64" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000c">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_65" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000d">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_66" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000e">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_67" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000f">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_68" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000g">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_69" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000h">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_70" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_13_role-823000i">
            <link:definition>[823000] Pojasnila – Merjenje poštene vrednosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_71" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_14_role-824500">
            <link:definition>[824500] Pojasnila – Odloženi zneski zaradi zakonske regulacije</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_72" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_14_role-824500a">
            <link:definition>[824500] Pojasnila – Odloženi zneski zaradi zakonske regulacije</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_73" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_15_role-831150">
            <link:definition>[831150] Pojasnila – Znesek prihodkov iz naslova pogodb s kupci</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_74" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_15_role-831150a">
            <link:definition>[831150] Pojasnila – Znesek prihodkov iz naslova pogodb s kupci</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_75" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_15_role-831150b">
            <link:definition>[831150] Pojasnila – Znesek prihodkov iz naslova pogodb s kupci</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_76" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_15_role-831150c">
            <link:definition>[831150] Pojasnila – Znesek prihodkov iz naslova pogodb s kupci</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_77" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_16_role-832610">
            <link:definition>[832610] Pojasnila – Najemi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_78" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_16_role-832610a">
            <link:definition>[832610] Pojasnila – Najemi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_79" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_16_role-832610b">
            <link:definition>[832610] Pojasnila – Najemi</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_80" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_81" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600a">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_82" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600b">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_83" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600c">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_84" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600d">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_85" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600e">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_86" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600f">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_87" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600g">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_88" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600h">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_89" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600i">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_90" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600j">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_91" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600k">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_92" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600l">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_93" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600m">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_94" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_17_role-836600n">
            <link:definition>[836600] Pojasnila – Zavarovalne pogodbe (MSRP 17)</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_95" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_2_role-834120a">
            <link:definition>[834120] Pojasnila – Dogovori za plačilo na podlagi delnic</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_96" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_2_role-834120b">
            <link:definition>[834120] Pojasnila – Dogovori za plačilo na podlagi delnic</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_97" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_2_role-834120c">
            <link:definition>[834120] Pojasnila – Dogovori za plačilo na podlagi delnic</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_98" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_3_role-817000">
            <link:definition>[817000] Pojasnila – Poslovne združitve</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_99" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_3_role-817000a">
            <link:definition>[817000] Pojasnila – Poslovne združitve</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_100" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_3_role-817000b">
            <link:definition>[817000] Pojasnila – Poslovne združitve</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_101" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_3_role-817000c">
            <link:definition>[817000] Pojasnila – Poslovne združitve</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_102" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_3_role-817000d">
            <link:definition>[817000] Pojasnila – Poslovne združitve</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_104" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500a">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_105" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500b">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_106" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500c">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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        <link:roleType id="id_107" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500d">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_109" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500f">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_110" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500g">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_111" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500h">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_112" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500i">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_113" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500j">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_114" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500k">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_115" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500l">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_116" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500m">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_117" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_4_role-836500n">
            <link:definition>[836500] Pojasnila – Zavarovalne pogodbe</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_118" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_5_role-825900">
            <link:definition>[825900] Pojasnila – Nekratkoročna sredstva za prodajo in ustavljeno poslovanje</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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        <link:roleType id="id_119" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390a">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_120" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390b">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_121" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390c">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_122" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390d">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_123" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390e">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_124" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390f">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_125" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390g">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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        <link:roleType id="id_126" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390h">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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        <link:roleType id="id_127" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390i">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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        <link:roleType id="id_128" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390j">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_152" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_8_role-871100a">
            <link:definition>[871100] Pojasnila – Poslovni odseki</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[871100] Pojasnila – Poslovni odseki</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[871100] Pojasnila – Poslovni odseki</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:definition>[871100] Pojasnila – Poslovni odseki</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType id="id_156" roleURI="https://www.sava-re.si/xbrl/role/all/sic_29_role-832900">
            <link:definition>[832900] Pojasnila – Dogovori o koncesiji storitev</link:definition>
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            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
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            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
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            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_159" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-210000">
            <link:definition>[210000] Izkaz finančnega položaja, kratkoročni/nekratkoročni</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_160" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-220000">
            <link:definition>[220000] Izkaz finančnega položaja, vrstni red likvidnosti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_161" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-410000">
            <link:definition>[410000] Izkaz vseobsegajočega donosa, sestavine drugega vseobsegajočega donosa, predstavljene kot čisti znesek po odštetju davka</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_162" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-420000">
            <link:definition>[420000] Izkaz vseobsegajočega donosa, sestavine drugega vseobsegajočega donosa, predstavljene pred obdavčitvijo</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_163" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-800100">
            <link:definition>[800100] Podvrste sredstev, obveznosti in lastniškega kapitala</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_164" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-800200">
            <link:definition>[800200] Analiza prihodkov in odhodkov</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_165" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-800400">
            <link:definition>[800400] Izkaz sprememb lastniškega kapitala, dodatna razkritja</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_166" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-800500">
            <link:definition>[800500] Seznam pojasnil</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_167" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-800600">
            <link:definition>[800600] Seznam računovodskih usmeritev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_168" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-861200">
            <link:definition>[861200] Pojasnila – Delniški kapital, rezerve in drugi deleži v lastniškem kapitalu</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_169" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-880000">
            <link:definition>[880000] Pojasnila – Dodatne informacije</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_170" roleURI="https://www.sava-re.si/xbrl/role/all/ias_2_role-826380">
            <link:definition>[826380] Pojasnila – Zaloge</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_171" roleURI="https://www.sava-re.si/xbrl/role/all/ias_20_role-831400">
            <link:definition>[831400] Pojasnila – Državne podpore</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_172" roleURI="https://www.sava-re.si/xbrl/role/all/ias_21_role-842000">
            <link:definition>[842000] Pojasnila – Vplivi sprememb deviznih tečajev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_173" roleURI="https://www.sava-re.si/xbrl/role/all/ias_23_role-836200">
            <link:definition>[836200] Pojasnila – Stroški izposojanja</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_174" roleURI="https://www.sava-re.si/xbrl/role/all/ias_26_role-710000">
            <link:definition>[710000] Izkaz sprememb čistih sredstev, ki so na voljo za izplačilo pokojnin</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_175" roleURI="https://www.sava-re.si/xbrl/role/all/ias_29_role-816000">
            <link:definition>[816000] Pojasnila – Hiperinflacijsko poročanje</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_176" roleURI="https://www.sava-re.si/xbrl/role/all/ias_33_role-838000">
            <link:definition>[838000] Pojasnila – Dobiček na delnico</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_177" roleURI="https://www.sava-re.si/xbrl/role/all/ias_34_role-813000">
            <link:definition>[813000] Pojasnila – Medletno računovodsko poročanje</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_178" roleURI="https://www.sava-re.si/xbrl/role/all/ias_36_role-832410">
            <link:definition>[832410] Pojasnila – Oslabitev sredstev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_179" roleURI="https://www.sava-re.si/xbrl/role/all/ias_37_role-827570">
            <link:definition>[827570] Pojasnila – Druge rezervacije, pogojne obveznosti in pogojna sredstva</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_180" roleURI="https://www.sava-re.si/xbrl/role/all/ias_7_role-510000">
            <link:definition>[510000] Izkaz denarnih tokov, neposredna metoda</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_181" roleURI="https://www.sava-re.si/xbrl/role/all/ias_7_role-520000">
            <link:definition>[520000] Izkaz denarnih tokov, posredna metoda</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_182" roleURI="https://www.sava-re.si/xbrl/role/all/ias_7_role-800300">
            <link:definition>[800300] Izkaz denarnih tokov, dodatna razkritja</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_183" roleURI="https://www.sava-re.si/xbrl/role/all/ifric_2_role-868500">
            <link:definition>[868500] Pojasnila – Delnice članov v zadrugah in podobni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_184" roleURI="https://www.sava-re.si/xbrl/role/all/ifric_5_role-868200">
            <link:definition>[868200] Pojasnila – Pravica do deležev, ki izhajajo iz skladov za razgradnjo, obnovo in ponovno oživljanje okolja</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_185" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_1_role-819100">
            <link:definition>[819100] Pojasnila – Prva uporaba</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_186" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_2_role-834120">
            <link:definition>[834120] Pojasnila – Dogovori za plačilo na podlagi delnic</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_187" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_6_role-822200">
            <link:definition>[822200] Pojasnila – Raziskovanje in vrednotenje rudnih bogastev</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_188" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_7_role-822390">
            <link:definition>[822390] Pojasnila – Finančni instrumenti</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_189" roleURI="https://www.sava-re.si/xbrl/role/all/ifrs_8_role-871100">
            <link:definition>[871100] Pojasnila – Poslovni odseki</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_190" roleURI="https://www.sava-re.si/xbrl/role/all/ias_1_role-800100a">
            <link:definition>[800100] Podvrste sredstev, obveznosti in lastniškega kapitala</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_191" roleURI="https://www.sava-re.si/xbrl/role/all/ias_12_role-835110a">
            <link:definition>[835110] Pojasnila – Davki iz dobička</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>
        <link:roleType id="id_192" roleURI="https://www.sava-re.si/xbrl/role/all/ias_12_role-835110b">
            <link:definition>[835110] Pojasnila – Davki iz dobička</link:definition>
            <link:usedOn>link:definitionLink</link:usedOn>
            <link:usedOn>link:presentationLink</link:usedOn>
            <link:usedOn>link:calculationLink</link:usedOn>
        </link:roleType>

    </xsd:appinfo>
  </xsd:annotation>

    <xsd:element abstract="false" id="ext_AllocationOfNetProfitToProfitReserve" name="AllocationOfNetProfitToProfitReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_Amortisation" name="Amortisation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_AssetsHeldForTheBenefitOfPolicyHoldersWhoBearTheInvestmentRisk" name="AssetsHeldForTheBenefitOfPolicyHoldersWhoBearTheInvestmentRisk" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_CashDisbursementsInFinancingActivities" name="CashDisbursementsInFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_CashReceiptsFromFinancingActivities" name="CashReceiptsFromFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ChangeInDeferredAcquisitionCosts" name="ChangeInDeferredAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ChangeInInventories" name="ChangeInInventories" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInLiabilitiesArisingOutOfPrimaryInsurance" name="ChangeInLiabilitiesArisingOutOfPrimaryInsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInLiabilitiesArisingOutOfReinsuranceBusiness" name="ChangeInLiabilitiesArisingOutOfReinsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInMathematicalProvision" name="ChangeInMathematicalProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInMathematicalProvisionForPolicyholdersWhoBearTheInvestmentRisk" name="ChangeInMathematicalProvisionForPolicyholdersWhoBearTheInvestmentRisk" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherLiabilitiesExceptUnearnedPremiums" name="ChangeInOtherLiabilitiesExceptUnearnedPremiums" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherOperatingLiabilities" name="ChangeInOtherOperatingLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherReceivablesAndOtherAssets" name="ChangeInOtherReceivablesAndOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherReceivablesFromInsuranceOrReinsuranceBusiness" name="ChangeInOtherReceivablesFromInsuranceOrReinsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherTaxAssets" name="ChangeInOtherTaxAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherTechnicalProvision" name="ChangeInOtherTechnicalProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInOtherTechnicalProvisions" name="ChangeInOtherTechnicalProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInProvisionForOutstandingClaims" name="ChangeInProvisionForOutstandingClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInReceivablesFromPrimaryInsurance" name="ChangeInReceivablesFromPrimaryInsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInReceivablesFromReinsurance" name="ChangeInReceivablesFromReinsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInTechnicalProvisions" name="ChangeInTechnicalProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInTechnicalProvisionsForPolicyholdersWhoBearTheInvestmentRisk" name="ChangeInTechnicalProvisionsForPolicyholdersWhoBearTheInvestmentRisk" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInTheGrossProvisionForOutstandingClaims" name="ChangeInTheGrossProvisionForOutstandingClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInTheProvisionForOutstandingClaimsReinsurersAndCoinsurersShares" name="ChangeInTheProvisionForOutstandingClaimsReinsurersAndCoinsurersShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInUnearnedPremiums" name="ChangeInUnearnedPremiums" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangeInUnearnedPremiumsReinsurersAndCoinsurersShares" name="ChangeInUnearnedPremiumsReinsurersAndCoinsurersShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ChangesInNetOperatingAssetsOfOperatingItemsOfTheStatementOfFinancialPosition" name="ChangesInNetOperatingAssetsOfOperatingItemsOfTheStatementOfFinancialPosition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ClosingBalanceInPreviousFinancialYear" name="ClosingBalanceInPreviousFinancialYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_DividendDistributions" name="DividendDistributions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ExpensesForBonusesAndRebates" name="ExpensesForBonusesAndRebates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ExpensesForFinancialAssetsAndLiabilities" name="ExpensesForFinancialAssetsAndLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ExpensesForInvestmentsInAssociatesAndImpairmentLossesOnGoodwill" name="ExpensesForInvestmentsInAssociatesAndImpairmentLossesOnGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_GrossPremiumsWritten" name="GrossPremiumsWritten" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ImpairmentLossOnGoodwill" name="ImpairmentLossOnGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_IncomeFromSubsidiariesJointlyControlledEntitiesAndAssociates" name="IncomeFromSubsidiariesJointlyControlledEntitiesAndAssociates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_IntangibleAssets" name="IntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_InvestmentContractAssets" name="InvestmentContractAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ItemsOfTheIncomeStatement" name="ItemsOfTheIncomeStatement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_LiabilitiesFromOperatingActivities" name="LiabilitiesFromOperatingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_LiabilitiesFromPrimaryInsuranceBusiness" name="LiabilitiesFromPrimaryInsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_LiabilitiesFromReinsuranceAndCoinsuranceBusiness" name="LiabilitiesFromReinsuranceAndCoinsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_MovementsWithinEquity" name="MovementsWithinEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_NetClaimsIncurred" name="NetClaimsIncurred" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_NetProfitLossForThePeriod" name="NetProfitLossForThePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_NetUnrealisedAndRealisedGainsOnInvestmentsOfLifeInsurancePolicyholdersWhoBearTheInvestmentRisk" name="NetUnrealisedAndRealisedGainsOnInvestmentsOfLifeInsurancePolicyholdersWhoBearTheInvestmentRisk" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_OtherItemsThatWillNotBeReclassifiedSubsequentlyToProfitOrLoss" name="OtherItemsThatWillNotBeReclassifiedSubsequentlyToProfitOrLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_OtherMovementsWithinEquity" name="OtherMovementsWithinEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_OtherOperatingExpenses" name="OtherOperatingExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_OtherReclassifications" name="OtherReclassifications" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_OtherTechnicalExpenses" name="OtherTechnicalExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_OtherTechnicalIncome" name="OtherTechnicalIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_OtherTechnicalProvisions" name="OtherTechnicalProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ProfitReserve" name="ProfitReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ProvisionForOutstandingClaims" name="ProvisionForOutstandingClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_PurchaseOfLongtermFinancialInvestments" name="PurchaseOfLongtermFinancialInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_Receivables" name="Receivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ReceivablesArisingOutOfPrimaryInsuranceBusiness" name="ReceivablesArisingOutOfPrimaryInsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ReceivablesArisingOutOfReinsuranceAndCoinsuranceBusiness" name="ReceivablesArisingOutOfReinsuranceAndCoinsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ReinsuranceShareOfTechnicalProvision" name="ReinsuranceShareOfTechnicalProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"
    />
    <xsd:element abstract="false" id="ext_ReinsurersAndCoinsurersShares" name="ReinsurersAndCoinsurersShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_ReserveDueToFairValueRevaluation" name="ReserveDueToFairValueRevaluation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_TechnicalIncomeOther" name="TechnicalIncomeOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_TechnicalProvision" name="TechnicalProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_TechnicalProvisionsForLifeInsuranceBusiness" name="TechnicalProvisionsForLifeInsuranceBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_TechnicalProvisionsForTheBenefitOfLifeInsurancePolicyholdersWhoBearTheInvestmentRisk" name="TechnicalProvisionsForTheBenefitOfLifeInsurancePolicyholdersWhoBearTheInvestmentRisk" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_TransactionsWithOwners" name="TransactionsWithOwners" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_TransferOfProfit" name="TransferOfProfit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"
    />
    <xsd:element abstract="false" id="ext_WrittenPremiumsCededToReinsurersAndCoinsurers" name="WrittenPremiumsCededToReinsurersAndCoinsurers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"
    />
    <xsd:element abstract="true" id="ext_CapitalReserve" name="CapitalReserve" nillable="false" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" 
    />
    <xsd:element abstract="true" id="ext_NetProfitOrLossForThePeriod" name="NetProfitOrLossForThePeriod" nillable="false" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" 
    />
    <xsd:element abstract="true" id="ext_ReserveForOwnShares" name="ReserveForOwnShares" nillable="false" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" 
    />
    <xsd:element abstract="true" id="ext_ReservesDueToFairValueRevaluation" name="ReservesDueToFairValueRevaluation" nillable="false" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" 
    />


</xsd:schema>