Insurer profile
UNIQA Österreich Versicherungen AG
UNIQA Österreich Versicherungen AG is the Austrian operating subsidiary of the UNIQA Insurance Group AG, one of the largest insurance groups in Austria and Central and Eastern Europe. With roots dating back to 1811, it is the second-largest insurer in Austria with a market share of around 21%, ranking first in health insurance. It serves 3.7 million customers and offers a comprehensive portfolio across property & casualty, life, and health insurance.
Source- Legal entity
- UNIQA Österreich Versicherungen AG
- Headquarters
- Vienna, Austria
- Parent group
- UNIQA Insurance Group AG
- Regulator
- Financial Market Authority Austria (FMA – Finanzmarktaufsicht)
- Phone
- +43 50677-670
- info@uniqa.at
- Last verified
- May 1, 2026
Products from UNIQA Österreich Versicherungen AG
motor
Motor Third-Party Liability Insurance (Auto & Frei Kfz-Haftpflicht)
Mandatory motor third-party liability insurance covering up to €30 million for damages caused to others in road traffic.
motor
Comprehensive Motor Insurance – Full Casco (Vollkaskoversicherung)
Full comprehensive motor insurance covering own-vehicle damage including accidents, vandalism, natural hazards and more.
motor
Partial Casco Motor Insurance (Teilkaskoversicherung)
Partial casco insurance covering own-vehicle damage from natural hazards, theft, fire, and glass breakage, excluding self-caused accidents.
motor
Motor Passenger Accident Insurance (Kfz-Unfallversicherung)
Accident insurance for all vehicle occupants covering permanent disability and death resulting from a traffic accident.
motor
Driver Protection Insurance (Lenkerschutz)
Optional add-on covering personal injury of the at-fault driver up to €1 million when no third party is liable.
motor
Vehicle Legal Expenses Insurance (Fahrzeugrechtsschutz)
Legal expenses cover for disputes involving the insured's own motor vehicle, including criminal defense and civil claims.
motor
Fleet / Company Vehicle Package (Firmenwagen-Paket)
Bundled motor insurance package for company vehicles and fleets including MTPL, casco and legal expenses.
property
Household Contents Insurance (Haushaltsversicherung)
Insurance for household contents against fire, storm, water damage, theft and more, with optional extensions.
property
Home Building Insurance (Eigenheimversicherung)
Building insurance protecting the home structure against fire, storm, water damage, and other perils.
property
Commercial Property Insurance (Sachversicherung für Betriebe)
Commercial property and contents insurance for businesses, covering fire, storm, water, natural catastrophes and business interruption.
health
Private Hospital Insurance – Special Class (Sonderklasse-Versicherung)
Private health insurance for hospital stays covering specialist choice, private or semi-private room, and flexible treatment dates.
health
Private Outpatient Doctor Insurance (Privatarzt-Versicherung)
Supplementary health insurance covering outpatient private doctor costs, medications, and alternative medicine.
health
Dental Insurance (Zahnarzt-Versicherung)
Supplementary dental insurance covering dental treatments, orthodontics, fillings, and dental prosthetics.
health
Hospital Daily Allowance Insurance (Krankenhaus-Tagegeld-Versicherung)
Pays a fixed daily benefit for each day of hospital inpatient treatment to offset income loss.
health
International Health Insurance for Long-Term Abroad Stays (Krankenversicherung für Auslandsaufenthalte)
Private health insurance for expatriates and long-term stays abroad, covering medical treatment worldwide.
health
Group Health Insurance / Opting-Out (Gruppen-Krankenversicherung)
Corporate group health insurance and opting-out solutions for employers and their employees.
life
FlexSolution (Mixed Classic and Unit-Linked Life Insurance)
Flexible life insurance combining classical and unit-linked elements for long-term financial provision.
life
Term Life / Decreasing Life Insurance (Ablebensrisikoversicherung)
Pure term life insurance paying a lump sum to beneficiaries upon the insured's death during the contract term.
life
Pension & Guarantee (State-Subsidized Pension Insurance)
State-subsidized pension insurance offering guaranteed capital growth for retirement provision.
life
Disability Insurance (Berufsunfähigkeitsvorsorge)
Insurance providing income protection in the event of occupational disability.
life
Long-Term Care Insurance (Pflegevorsorge / CarePlus)
Insurance product providing financial protection in the event of long-term care needs.
life
Children's Savings and Provision Insurance (Kindervorsorge)
Savings and protection plan specifically designed for children's future financial needs.
life
Funeral Cost Insurance (Begräbniskostenvorsorge)
Insurance covering funeral and burial costs to relieve family members of financial burden.
life
Basic Ability Insurance (Grundfähigkeitsversicherung)
Insurance paying a benefit if the insured loses a basic physical or cognitive ability such as walking, speaking, or seeing.
health
Personal Accident Insurance (Unfallversicherung)
Private accident insurance providing lump-sum compensation for permanent disability or death resulting from an accident, valid 24/7 worldwide.
travel
International Travel Health Insurance (Auslandsreise-Krankenversicherung)
Travel medical insurance covering doctor and hospital costs abroad in the event of illness or accident while travelling outside Austria.
travel
Travel Cancellation and Interruption Insurance (Reisestorno- & Reiseabbruch-Versicherung)
Covers cancellation costs and unused travel costs if a trip cannot be started or must be interrupted due to unforeseen events.
travel
Comprehensive Travel Insurance – Optimal (Reiseversicherung Rundumschutz)
All-in-one travel insurance package covering medical, cancellation, luggage, accident, and liability risks for domestic and international trips.
travel
Health Insurance for Foreign Guests Visiting Austria (Krankenversicherung für ausländische Gäste)
Travel health insurance for foreign visitors in Austria covering illness or accident treatment costs.
liability
Private Personal Liability Insurance (Privathaftpflicht-Versicherung)
Personal liability insurance covering damages caused to third parties in private life with a lump sum of up to €10 million.
liability
Business Liability Insurance (Betriebshaftpflichtversicherung)
Commercial liability insurance protecting businesses against claims from third parties for bodily injury or property damage.
liability
Private Legal Expenses Insurance (Privatrechtsschutz-Versicherung)
Personal legal expenses insurance covering attorney, court, and expert costs in civil, criminal, and contractual disputes up to €460,000.
liability
Business Legal Expenses Insurance (Rechtsschutzversicherung für Betriebe)
Legal expenses insurance for businesses covering disputes related to contracts, employment, and regulatory matters.
cyber
Private Cyber Insurance (Cyberversicherung für Privatpersonen)
Personal cyber insurance with continuous dark web monitoring for personal data and online shopping protection up to €1,000 per year.
cyber
Business Cyber Insurance (Cyberversicherung für Unternehmen/KMU)
Cyber insurance for SMEs covering financial consequences of cyberattacks, data breaches, and IT forensics costs up to €100,000.
property
Business Interruption Insurance (Betriebsunterbrechungsversicherung)
Covers loss of revenue and ongoing costs for businesses when operations are halted due to a covered property damage event.
financial
Self-Employed Pension Savings
Pension savings plan for self-employed persons providing tax-advantaged retirement savings with flexible premium options.
Regulatory updates
UNIQA is regulated by the Austrian Financial Market Authority (FMA) under the Insurance Supervision Act (VAG). According to the FMA's 2025 report on international business, UNIQA recorded a total premium volume of €7.5 billion in 2024, ranking second in Austria after VIG. Notable 2024 regulatory developments include UNIQA's market exit from Russia and the ongoing sale of its 90% stake in SIGAL UNIQA Group Austria (ALMAKOS). FMA oversight covers capital adequacy, conduct, and product supervision in line with Solvency II and EU insurance directives.