UNIQA Österreich Versicherungen AG
UNIQA
UNIQA is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
For inpatient hospital treatment, rescue and repatriation organized through UNIQA SOS-Service, costs are paid directly to the provider. For outpatient treatment and medication, the insured person must pay costs upfront and submit them for reimbursement afterwards (within 3 months of trip end).
Geographic scope
Worldwide (bundle); the medical insurance component applies worldwide excluding Austria
The overall travel insurance bundle applies worldwide. The Auslandsreise-Krankenversicherung (medical) component applies worldwide outside Austria only.
Unique selling points
- 24/7 UNIQA SOS-Service hotline coordinates hospital admission, rescue and repatriation and settles hospital costs directly with the provider.
- Mountain and water rescue, including rescue helicopter, is included up to EUR 7,700 per person.
- A single bundle combines medical, luggage, liability, accident and additional travel-cost cover so travellers do not need to buy separate policies.
- Cover ends automatically with the last day of the trip, so customers do not need to actively cancel the policy.
- Family policies extend the same EUR 250,000 medical sum insured to each family member, with a doubled luggage sum of EUR 4,400.
Coverage limits
Medical expenses abroad
Covered
Overall sum insured of EUR 250,000 per person for medical treatment costs abroad due to illness or accident, covering hospital treatment, medically necessary transport to the nearest hospital, and ambulatory treatment/medication (subject to a EUR 70 deductible).
Emergency/unaffordable medical treatment
Covered
Unaffordable, medically necessary treatment for sudden illness or accident abroad is covered up to the overall sum insured of EUR 250,000 per person.
Hospital / inpatient treatment
Covered
Inpatient hospital treatment abroad is fully covered within the overall sum insured of EUR 250,000 per person, with no deductible.
Outpatient treatment
Covered
Outpatient treatment (doctor's fees, medication) is covered within the EUR 250,000 sum insured, less a EUR 70 deductible per person and stay abroad.
Emergency dental treatment
Conditional
Only first-aid dental treatment for immediate pain relief is covered; dental treatment beyond first aid and dentures are excluded.
Emergency transport back to Austria
Conditional
Emergency transport back to Austria, including Ambulance-Jet if necessary, is covered at full cost when organized via UNIQA SOS-Service; if not organized through UNIQA, reimbursement is capped at EUR 1,950.
Medical evacuation / repatriation transport
Conditional
Medically necessary repatriation to an Austrian hospital or permanent residence is covered at full cost if organized by UNIQA SOS-Service (requires life-threatening condition, inadequate local treatment standard, or expected hospital stay >5 days); otherwise capped at EUR 1,950.
Repatriation of mortal remains
Conditional
Repatriation of a deceased insured person to Austria is covered at full cost if organized via UNIQA SOS-Service, otherwise capped at EUR 1,950; burial at the place of death is covered up to EUR 1,950.
Search, rescue and recovery
Covered
Rescue costs in case of accident, mountain or water emergency, including rescue helicopter, are covered up to EUR 7,700 per person.
COVID-19 treatment
Not offered
Not specifically addressed in the Rundumschutz product documents reviewed.
Pre-existing / chronic conditions
Conditional
Treatment of chronic illnesses is excluded, except as the consequence of an acute attack or flare-up; treatment that had already begun before the start of cover is also excluded.
Winter sports cover
Not offered
Not explicitly addressed as a separate benefit in the Rundumschutz documents; general exclusions apply to high-altitude mountain tours above 6,000 m.
Adventure sports cover
Not offered
Not explicitly addressed as a separate medical benefit; accident insurance excludes unguided climbing/mountaineering and competitive/extreme sports.
Pregnancy complications
Conditional
Pregnancy examinations and deliveries are excluded, except premature deliveries occurring at least 2 months before the natural due date.
Travel personal liability
Covered
Covers the satisfaction of justified, or defense against unjustified, claims for personal injury and property damage caused by the insured person while travelling, up to EUR 500,000.
24/7 emergency assistance
Covered
UNIQA SOS-Service provides a 24-hour emergency hotline (+43 (0)50677-670) that coordinates hospital admission, rescue, medical transport and repatriation, and settles costs directly with providers where organized through the service.
Key conditions
Assistance call deadline
In case of hospitalization abroad, emergency transport to Austria, or repatriation of a deceased person, the UNIQA 24-hour SOS-Service (+43 (0)50677-670) must be contacted without delay so that costs can be advanced and measures organized.
Unauthorized treatment
If repatriation transport or the transfer/repatriation of a deceased person is not requested through and organized by UNIQA SOS-Service, reimbursement is limited to a maximum of EUR 1,950 instead of full cost coverage.
Purchase while abroad
The insurance must be concluded before the trip begins; it is not possible to purchase or extend cover after the trip has started.
Chronic conditions
Treatment of chronic illnesses is excluded from the medical cover, except when treatment is required as the consequence of an acute attack or flare-up.
Pregnancy
Pregnancy check-ups and deliveries are excluded, except for premature births occurring at least two months before the calculated due date.
Pre-existing condition exclusions
Medical treatment that had already begun before the start of the insurance cover is excluded from benefits.
Coverage duration limit
Medical cover starts when the insured person leaves Austria and ends upon re-entry to Austria, but never longer than the chosen insurance duration; other benefit lines run from the stated trip start to trip end within that duration.
Documents
Reiseversicherung-Rundumschutz - Product Information Document
ipid
Rundumschutz - Sums Insured and Benefits Overview
benefits_table
General Terms and Conditions for the Rundumschutz Travel Insurance (online 2017)
terms_and_conditions
Travel Insurance Guide Folder (general product overview)
other
Policy specifics
Medical emergency coverage worldwide
Covers medical treatment costs abroad for sudden illness or accidents outside Austria, with worldwide scope except Austria itself
Rescue and recovery operations
Full cost coverage for rescue operations in case of accident, mountain or water emergencies, including helicopter rescue when necessary
Repatriation and emergency transport
Emergency transport to Austria if medically necessary, including Ambulance-Jet transport when required; also covers deceased repatriation
Cost participation / deductible
EUR 86 per person and abroad stay for ambulatory treatment and medications (except hospital and emergency transport which are fully covered)
Travel luggage protection
Coverage for loss, theft, robbery or damage to travel luggage during transport and abroad
Travel accident insurance
Coverage for severe accident consequences with permanent disability from 25% onwards
Travel liability protection
Covers fulfillment of legitimate or defense against illegitimate compensation claims for personal injury, property damage or derived financial loss caused by insured person
Additional travel costs insurance
Covers additional travel costs if primary transport is delayed or missed due to circumstances during the journey
Trip cancellation protection
Optional additional coverage: covers cancellation costs if trip cannot be undertaken due to unforeseen reasons; minimum 28-day notice period required for solo cancellation insurance
SOS Service mandatory coordination for full coverage
For hospital treatment, rescue operations and repatriation to receive full cost coverage, must be coordinated through UNIQA SOS-Service; emergency contact number +43 (0) 50677-670
Direct payment for hospital; reimbursement for outpatient care
For hospital treatment: UNIQA SOS-Service pays costs directly to provider. For outpatient treatment: insured must pay costs first, then submit for reimbursement
Medical coverage begins on exit from Austria
For medical insurance component: coverage begins upon departure from Austria and ends upon re-entry to Austria, regardless of declared trip duration up to maximum policy term
Pre-existing health conditions limitation
Deterioration of existing illnesses covered only if medical freedom from symptoms was confirmed at time of booking and insurance conclusion
14-day statutory withdrawal right
Can withdraw from contract without reason within 14 days; no withdrawal right if policy term is less than one month
Premium payment deadline
First premium including fees and insurance tax must be paid within 14 days of contract conclusion (policy receipt or separate acceptance notice)
No coverage for professional/work travel
Exclusion applies to damage occurring during professional business travel or military service
No coverage for planned medical treatment
Insurance does not apply to scheduled medical procedures, preventive medical consultations, or planned surgery; only covers acute sudden conditions
Alcohol and substance abuse exclusion
No coverage for medical treatment arising from excessive alcohol consumption or abuse of medications/narcotics
Sources
- https://durchblicker.at/downloads/reiseversicherung/uniqa/AVB_Optimal_inkl_Kranken_Storno.pdf
- https://www.uniqa.at/direktvtreise/cms/files/reisebuendel/578_13_PDF_Flugblatt_Reiseversicherung.pdf
- https://www.uniqa.at/versicherung/reise/Produktinfoblatt-Reiseversicherung-Ausland-Optimal.pdf
- https://www.uniqa.at/versicherung/reise/reiseversicherung
- https://www.uniqa.at/versicherung/uniqa2018/reise/Produktinfoblatt-Reiseversicherung-Ausland-Optimal.pdf