Insurer profile
uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG)
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.
Source- Legal entity
- uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG)
- Headquarters
- Nuremberg, Germany
- Regulator
- Federal Financial Supervisory Authority (BaFin), Graurheindorfer Straße 108, 53117 Bonn
- Phone
- +49 911 5307-0
- info@universa.de
- Founded
- 1843
- Last verified
- Aug 27, 2026
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.
motor
Comprehensive motor insurance (Kasko)
Partial and fully comprehensive cover for own vehicle damage as part of the modular car insurance.
motor
Motorcycle insurance FLEXXdrive
Insurance cover for motorcycles including liability and casco options.
motor
Motorhome insurance FLEXXdrive
Insurance cover for motorhomes to protect mobility while travelling.
motor
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.
property
Residential building insurance FLEXXhouse
Protects homeowners' buildings against fire, storm, water and natural hazard damage.
liability
Private liability insurance FLEXXprotect
Personal liability cover for damages caused to third parties in private life.
liability
Business and professional liability insurance
Liability cover for business owners and professionals against claims arising from their occupation.
liability
Further liability insurances
Additional liability products such as pet owner, hunting or building liability.
life
Occupational disability insurance
Provides a regular income if the policyholder becomes unable to work due to disability.
health
Private accident insurance
Pays out benefits following accidental injury, disability or death.
health
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.
health
Dental supplementary insurance (uni-dent)
Supplementary tariffs uni-dent|Top and uni-dent|Privat covering dental treatment, dentures and orthodontics.
health
Outpatient supplementary insurance
Covers outpatient treatment costs not fully reimbursed by statutory health insurance.
health
Combined outpatient & dental supplementary insurance
Combines outpatient, dental, vision aid and travel health cover in one supplementary product.
health
Inpatient supplementary insurance
Additional hospital cover such as private room and chief physician treatment.
health
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.
health
Daily sickness benefit (Krankentagegeld)
Replaces lost income during longer periods of incapacity to work due to illness.
health
Hospital and spa daily allowance
Pays a daily allowance for statutory co-payments and extras during hospital or spa stays.
travel
Travel health insurance abroad
Provides worldwide medical cover for holidays and business trips.
travel
Travel insurance
General travel insurance products offered alongside travel health cover.
health
Option insurance
Secures the right to later increase health insurance cover without a new health check.
financial
Basic pension (Rürup pension)
State-subsidised private retirement provision (Rürup pension) for the self-employed and others.
financial
Company pension scheme
Employer-sponsored retirement provision for employees.
life
Classic annuity insurance
Traditional annuity insurance providing guaranteed retirement income.
life
Unit-linked annuity insurance (topinvest)
Fund-linked pension product topinvest-Rente offering a choice of investment strategies.
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.
Reputation and reviews
Offer pages
Motor casco
uniVersa is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
uniVersa is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
uniVersa is a travel insurance for the Germany market with no online purchase and 24/7 assistance.
Last verified Aug 28, 2026