Insurer profile
UKV – Union Krankenversicherung Aktiengesellschaft
UKV – Union Krankenversicherung Aktiengesellschaft · Germany
Overview
UKV is a private health insurer headquartered in Saarbrücken that offers private health, supplementary, long-term care, corporate and travel health insurance and is part of the Sparkassen-Finanzgruppe within Konzern Versicherungskammer, Germany's largest public-sector insurance group.
Source21
Products in this market
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Offer pages
Company details
- Parent group
- Konzern Versicherungskammer (Versicherungskammer Bayern), held via Consal Beteiligungsgesellschaft AG (90%) and Bayerische Beamtenkrankenkasse AG (10%)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 681 8447000
- [email protected]
Products from UKV – Union Krankenversicherung Aktiengesellschaft
Health15
Private Health Insurance (Full Cover)
Comprehensive private health insurance in graduated tariffs for employees, self-employed people and civil servants.
Civil Servant Health Insurance (Beihilfe)
Complementary health cover for civil servants (Beihilfe) with Basic, Comfort and Premium plans.
Company Health Insurance (bKV)
Group health insurance offered by employers to employees, available in Start, Basis and Comfort tariffs including tooth replacement, vision aids and foreign travel cover.
Dental Supplementary Insurance
Supplementary insurance covering dental prophylaxis, dentures and orthodontics with up to 90% reimbursement.
Dental Treatment Insurance
Basic-cost cover for dental treatment and professional teeth cleaning.
Alternative Practitioner Insurance
Supplementary cover for alternative treatments such as osteopathy, homeopathy and traditional Chinese medicine.
Health Prevention Insurance (VorsorgePRIVAT)
Covers check-ups, vaccinations, hearing aids, glasses and contact lenses.
Sick Pay Insurance
Protects against loss of income during prolonged illness, available for both privately and statutorily insured people.
Hospital Daily Allowance
Pays a freely usable daily allowance from admission to discharge during a hospital stay.
Hospital Supplementary Insurance (KlinikPRIVAT)
Provides free choice of doctor and hospital with accommodation in a double or single room.
Supplementary Health Insurance for Children
A supplementary package for children combining dental, alternative-medicine and other benefits.
Private Long-Term Care Insurance
Private long-term care cover supplementing statutory care benefits.
State-Subsidized Supplementary Care Insurance (FörderPflege)
Government-subsidized (Pflege-Bahr) supplementary long-term care insurance.
PflegePRIVAT Premium / Premium Plus
Higher-tier private supplementary care insurance tariffs offering enhanced daily care allowances.
Waiting Period Insurance (Anwartschaft)
Preserves future insurability rights (e.g., for prospective civil servants) during a waiting period.
Travel5
Foreign Travel Health Insurance for Vacation Trips
Worldwide health cover for illness and accidents while traveling, without deductible and including medical repatriation.
Foreign Travel Health Insurance for Long-Term Stays
Health insurance abroad for extended stays of more than two months.
Incoming Insurance for Foreign Guests
Health insurance for foreign visitors staying in Germany.
Complete Travel Protection
Combined package of foreign travel health insurance and trip cancellation cover.
Trip Cancellation Insurance
Covers costs incurred if a booked trip must be cancelled.
Regulatory updates
UKV is supervised by BaFin, which together with an independent trustee reviews the actuarial calculation behind its annual premium adjustments (Beitragsanpassungen); significant premium increases for many UKV tariffs took effect on 1 January 2026 and 1 May 2026. BaFin also reported that industry-wide complaints about private health insurers rose sharply in 2025.
Reputation and reviews
Offer pages
Travel insurance
travel insurance from UKV for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026