Insurer profile

uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG)

uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG) · Germany

Founded 1843Nuremberg, GermanyLast verified Aug 27, 2026

Overview

uniVersa Versicherungen is a German mutual insurance group based in Nuremberg, formed by uniVersa Krankenversicherung a.G. (founded 1843, the oldest private health insurer in Germany), uniVersa Lebensversicherung a.G. and their subsidiary uniVersa Allgemeine Versicherung AG, offering health, life, motor, property and liability insurance to private households and SMEs.

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Company details

Regulator: Federal Financial Supervisory Authority (BaFin), Graurheindorfer Straße 108, 53117 Bonn
Phone: +49 911 5307-0
Email: [email protected]

Official website

Products from uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG)

Motor

Car insurance FLEXXdrive (liability)

Modular motor third-party liability insurance for cars with personal on-site advice.

Comprehensive motor insurance (Kasko)

Partial and fully comprehensive cover for own vehicle damage as part of the modular car insurance.

Motorcycle insurance FLEXXdrive

Insurance cover for motorcycles including liability and casco options.

Motorhome insurance FLEXXdrive

Insurance cover for motorhomes to protect mobility while travelling.

Auto protection letter (roadside assistance)

Roadside and breakdown assistance add-on for vehicle owners.

Property

Household contents insurance FLEXXhome

Covers household contents against fire, water damage, storm, hail, burglary and vandalism.

Residential building insurance FLEXXhouse

Protects homeowners' buildings against fire, storm, water and natural hazard damage.

Health

Private accident insurance

Pays out benefits following accidental injury, disability or death.

Private health insurance (TopIPrivat, CLASSIC, ECONOMY, intro|Privat)

Full private health insurance tariffs for different life stages, offered by Germany's oldest private health insurer.

Dental supplementary insurance (uni-dent)

Supplementary tariffs uni-dent|Top and uni-dent|Privat covering dental treatment, dentures and orthodontics.

Outpatient supplementary insurance

Covers outpatient treatment costs not fully reimbursed by statutory health insurance.

Combined outpatient & dental supplementary insurance

Combines outpatient, dental, vision aid and travel health cover in one supplementary product.

Inpatient supplementary insurance

Additional hospital cover such as private room and chief physician treatment.

Long-term care supplementary insurance (uni-PV plus / uni-PT)

Increases statutory long-term care benefits or pays a daily care allowance to cover the care gap.

Daily sickness benefit (Krankentagegeld)

Replaces lost income during longer periods of incapacity to work due to illness.

Hospital and spa daily allowance

Pays a daily allowance for statutory co-payments and extras during hospital or spa stays.

Option insurance

Secures the right to later increase health insurance cover without a new health check.

Liability

Private liability insurance FLEXXprotect

Personal liability cover for damages caused to third parties in private life.

Business and professional liability insurance

Liability cover for business owners and professionals against claims arising from their occupation.

Further liability insurances

Additional liability products such as pet owner, hunting or building liability.

Travel

Travel health insurance abroad

Provides worldwide medical cover for holidays and business trips.

Travel insurance

General travel insurance products offered alongside travel health cover.

Life

Occupational disability insurance

Provides a regular income if the policyholder becomes unable to work due to disability.

Classic annuity insurance

Traditional annuity insurance providing guaranteed retirement income.

Unit-linked annuity insurance (topinvest)

Fund-linked pension product topinvest-Rente offering a choice of investment strategies.

Financial

Basic pension (Rürup pension)

State-subsidised private retirement provision (Rürup pension) for the self-employed and others.

Company pension scheme

Employer-sponsored retirement provision for employees.

Regulatory updates

In July 2026, uniVersa disclosed an IT security incident: during a system migration on 7 July 2026 a security setting was temporarily missing on one server, allowing an OpenAI web crawler to access general personal data, contract information and, for some customers, bank details for a few hours; health, login and payment-card data and core systems were not affected. The incident was reported to the Bavarian data protection authority (BayLDA), which confirmed receiving a notification regarding uniVersa Lebensversicherung.