UNIQA
UNIQA is a travel insurance for the AT market with online purchase and 24/7 assistance.
Direct payment
For outpatient treatment (including medications), costs must first be paid by the insured person and submitted after return from abroad within 3 months of trip end. For inpatient treatment or repatriation, UNIQA SOS-Service must be contacted immediately and will advance costs directly.
Geographic scope
AT
Worldwide outside Austria (weltweit außerhalb Österreichs)
Unique selling points
- Medical expense coverage of up to EUR 310,000 per person per trip, significantly above many comparable Austrian market offerings.
- Ambulance-jet repatriation to Austria at full cost with no sub-limit when organized via UNIQA SOS-Service, available 24/7 worldwide.
- Rescue costs including helicopter rescue covered up to EUR 9,550 per case, higher than many standard limits in the Austrian market.
- Worldwide territorial scope without geographic restrictions, including secondary residences and workplaces abroad, for trips up to 364 days.
- Instant online purchase with electronic policy delivery and per-trip pricing calculated by exact number of travel days, with no annual commitment required.
Coverage limits
Medical treatment costs (total)
Covered
Covers costs of unavoidable, medically necessary treatments including doctor-prescribed medications, hospital and inpatient treatment, and medically necessary transport to the nearest suitable hospital, up to EUR 310,000 per insured person per trip abroad. An EUR 80 deductible applies per person per trip for outpatient treatment including medications.
Emergency medical treatment
Covered
Covers all unavoidable, medically necessary emergency treatments for illness or accident abroad, up to EUR 310,000 per person per trip. Includes doctor fees, prescribed medications, and hospital treatment. An EUR 80 deductible applies per person per trip for outpatient treatment.
Inpatient hospital treatment
Covered
Hospital and inpatient treatment costs are covered within the total medical expenses limit of EUR 310,000 per insured person. No separate deductible applies to inpatient treatment; the EUR 80 deductible applies only to outpatient treatment and medications.
Outpatient treatment
Covered
Outpatient treatment (doctor fees and prescribed medications) is covered within the overall EUR 310,000 limit, subject to a deductible of EUR 80 per person per trip abroad. The deductible is always deducted from the insurance benefit, even if another mandatory or private insurance is also liable.
Emergency dental treatment
Conditional
Dental treatment is only covered if it constitutes first-aid emergency care for immediate pain relief. Planned dental work, dental prosthetics, and dental replacements are explicitly excluded.
Medical transport to nearest hospital
Covered
Covers costs of medically necessary transport to the nearest suitable hospital abroad, included within the overall EUR 310,000 medical expenses limit.
Medical evacuation and repatriation to Austria
Conditional
Full costs of medically justified transport from abroad to an Austrian hospital or permanent Austrian residence, including transport of one accompanying person. Conditions: patient must be fit for transport AND at least one of: (1) life-threatening health condition, (2) local treatment not meeting Austrian standards, or (3) expected inpatient stay exceeding 5 days. Full costs covered if organized via UNIQA SOS-Service; if not arranged through UNIQA SOS-Service, a maximum of EUR 2,410 is reimbursed.
Repatriation of remains or funeral costs
Covered
Full costs of standard repatriation of a deceased to their Austrian home address if organized via UNIQA SOS-Service; alternatively, costs of burial at the place of death up to EUR 2,410. If UNIQA SOS-Service is not used, a maximum of EUR 2,410 is reimbursed.
Search and rescue costs
Covered
Covers rescue costs in case of accident, mountain emergency, or water emergency including rescue helicopter, up to EUR 9,550 per case worldwide outside Austria.
COVID-19 treatment
Covered
COVID-19 is treated as any other acute illness; emergency treatment abroad is covered under the general medical expenses coverage up to EUR 310,000, provided it is an unavoidable, medically necessary treatment that did not begin before the start of insurance coverage. No explicit COVID-19 exclusion found in policy documents.
Pre-existing conditions
Excluded
Medical treatments that began before the start of insurance coverage are excluded. Treatments of chronic diseases are also excluded, except as a consequence of acute attacks or acute episodes. Treatments where the purpose of the foreign stay is medical treatment are also excluded.
Winter sports cover
Covered
Non-professional recreational winter sports are generally covered under the standard policy. Paid sports competitions and training for these are excluded. Mountain tours above 6,000 m altitude are explicitly excluded.
Adventure and extreme sports cover
Excluded
Treatments resulting from parachute jumps or use of motorized or non-motorized aircraft other than as a passenger are excluded. Mountain tours above 6,000 m are excluded. Active paid participation in public sports competitions and associated training are excluded.
Pregnancy complications
Conditional
Pregnancy examinations, elective abortions, and normal deliveries are excluded. Only premature deliveries occurring at least two months before the natural due date are covered. Unexpected obstetric emergencies requiring unavoidable treatment may be covered under general medical treatment provisions.
Personal liability
Excluded
Personal liability is not included in the standalone travel medical insurance (Auslandsreise-Krankenversicherung REN). It is only available as part of the bundled travel insurance package (Reiseversicherung-Rundumschutz).
Legal assistance
Not offered
Legal assistance is not included in the standalone travel medical insurance and was not found in any policy document for this product.
24/7 UNIQA SOS-Service assistance
Covered
UNIQA SOS-Service is available 24 hours a day, 7 days a week from anywhere in the world at +43 (0) 50677 670. The service coordinates with treating physicians, organizes medical transport and repatriation, and provides direct cost guarantees for inpatient treatment and evacuation.
Key conditions
Assistance call deadline
In case of inpatient treatment or repatriation, UNIQA SOS-Service (+43 (0) 50677 670) must be contacted immediately. For outpatient treatment, costs are paid by the insured first and submitted to UNIQA within 3 months of trip end.
Unauthorized treatment
If repatriation or transfer of remains is not organized via UNIQA SOS-Service, reimbursement is capped at a maximum of EUR 2,410. Full cost guarantee applies only when UNIQA SOS-Service organizes the transport.
Purchase while abroad
Insurance must be taken out before the start of the journey. Extension of coverage after departure is not possible. The policy can only be purchased by persons with permanent residence in Austria who hold a valid Austrian statutory health insurance during the foreign stay.
Chronic conditions
Treatments of chronic diseases are excluded, except when arising as a consequence of an acute attack or acute episode of the chronic condition. Ongoing chronic disease management is not covered.
Pregnancy
Pregnancy examinations, elective abortions, and normal deliveries are excluded. Only premature deliveries occurring at least two months before the natural due date are covered. Unexpected obstetric emergencies may be covered under general medical treatment.
pre_existing_conditions
Medical treatments that began before the start of insurance coverage are excluded. Treatments where the purpose of the foreign stay is medical treatment (medical tourism, planned rehabilitation) are also excluded.
coverage_duration_limit
Insurance coverage is available for single trips up to a maximum of 364 days. Coverage begins at 0:00 on the requested start date and ends at 24:00 on the last day of the policy term. Extension after departure is not possible.
Where to buy
Policy specifics
Emergency medical transport
Coverage for transport to nearest hospital and repatriation to Austria; full cost guarantee when organized via UNIQA SOS Service
Recovery and repatriation costs
Coverage includes rescue/recovery costs in case of accident, water emergency, or mountain emergency; repatriation of deceased to Austrian home address up to €2,410
UNIQA SOS Service requirement
German-speaking 24/7 medical assistance service must be contacted to arrange medical transport and repatriation for full cost coverage guarantee
Deductible (self-participation)
€80 deductible applies to outpatient treatment costs; deductible always deducted from insurance benefit
Trip duration limits
Travel health insurance (pure) available for trips up to 364 days; combination products available for up to 180 days
Worldwide coverage scope
Insurance coverage applies worldwide outside Austria for medical emergencies and accidents
Mandatory UNIQA SOS Service notification
Policyholder must immediately notify UNIQA SOS Service in case of hospitalization or medical transport need; notification required before arranging treatment outside of emergency situations
Pre-existing condition exclusion
Medical treatments that began before insurance coverage and chronic conditions are excluded; however, acute exacerbations (acute attacks or episodes) of chronic conditions may be covered in limited scope
Purpose of trip restriction
Medical treatments that are the primary purpose of the foreign stay are excluded (i.e., planned medical tourism or rehabilitation trips)
Professional/hazardous activity exclusion
Damages arising from professional manual work, military service, or high-risk occupational activities are excluded
Repatriation medically necessary condition
Repatriation to Austria only covered if medically necessary as determined by treating physician and UNIQA; mere patient preference not sufficient
Substance abuse exclusion
Medical treatments due to excessive alcohol consumption or abuse of narcotic drugs and medications are excluded
War and terrorism exclusion
Damages related to war, terrorism, or civil unrest are excluded (with exception for emergency medical treatment in pure travel health insurance)
Dental treatment limitation
Dental treatments excluded unless they constitute emergency first aid (acute pain relief only)
Cosmetic and rehabilitation treatment exclusion
Cosmetic treatments, spa/wellness treatments, and rehabilitation (Kur) treatments are excluded