uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG)
uniVersa
uniVersa is a travel insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
You generally pay medical bills abroad yourself and settle them directly with the provider, then get reimbursed to your known account; however, for inpatient hospital stays uniVersa's 24-hour hotline arranges cost assurances and direct billing with the foreign hospital, and if a claim is reported to the insurer first, it advances payment within the tariff scope.
Geographic scope
Worldwide (excluding Germany)
Cover applies worldwide; all countries except the Federal Republic of Germany are considered abroad, and cover applies only to temporary stays abroad not exceeding two months from the start of the journey.
Starting price
€24
Indicative — pricing assumptions not stated
Unique selling points
- No health questionnaire or medical examination is required to enroll, at any age, for statutorily or privately insured individuals.
- Worldwide, immediate cover for any trip up to two months, explicitly including business travel.
- A 24/7 international emergency hotline arranges hospital cost assurances and direct billing with foreign hospitals, plus organizes medically sensible repatriation.
- Cover includes private hospital wards and optional services (Wahlleistungen) abroad at no extra charge.
- Backed by uniVersa, described as Germany's oldest private health insurer.
Coverage limits
Medical treatment expenses
unlimited
Reimburses expenses incurred abroad for medically necessary treatment of acute illness or accident, including doctors, X-ray/radiotherapy, prescribed medicines, and physical treatment; all costs other than repatriation/burial are reimbursed 100% without limit.
Emergency medical treatment
unlimited
Covers treatment and examination by doctors and specialists, including operations, assistance and anesthesia, for acutely occurring illness or accident abroad.
Inpatient hospital treatment
unlimited
Covers accommodation, meals, medical treatment, visits and special services in public and private hospitals under permanent medical supervision, including use of private wards and optional services (Wahlleistungen); a hospital daily allowance of 25 EUR/day is additionally paid if a statutory health fund or other payer contributes at least 25 EUR/day, or 50 EUR/day if hospital cost reimbursement is waived.
Outpatient treatment
unlimited
Covers outpatient examination and treatment by doctors and specialists as well as prescribed medicines and dressings.
Emergency dental treatment
unlimited
Covers pain-relieving, conservative and surgical dental treatment including follow-up, plus acutely necessary repair of existing dentures and provisional restorations to restore chewing ability; new dentures, dentures replacement, orthodontic treatment and new inlay fillings are excluded.
Local medical transport
unlimited
Covers transport to and from the nearest reachable hospital or doctor suitable for the required treatment, plus the doctor's travel costs where a house call is needed.
Medical repatriation to Germany
unlimited
Covers a medically sensible and economically justifiable repatriation transport back to the insured person's permanent residence in Germany (or the nearest suitable hospital there), including costs for a co-insured accompanying person who is also traveling with uniVersa travel medical cover; costs are net of what a scheduled return journey would have cost, and reimbursed 100% without a cap.
Repatriation of remains / burial abroad
€10,300
Covers the cost of repatriating a deceased insured person from abroad, or burial costs abroad up to the amount that a repatriation would have cost; combined reimbursement for these two items is capped at 10,300 EUR.
Search and rescue
No limit stated
Not mentioned as a covered or excluded benefit in any of the provided policy documents.
COVID-19 treatment
No limit stated
Not separately mentioned in the provided policy documents; general acute-illness cover under §1(1)/§4 would apply to any acute illness, but COVID-19 is not named specifically.
Pre-existing / chronic conditions
Conditional
For chronic illnesses or conditions requiring treatment or already under treatment at the start of the trip, cover applies only insofar as an acute and unforeseeable significant worsening occurs abroad.
Winter sports cover
No limit stated
Not mentioned as a covered or excluded benefit in any of the provided policy documents.
Adventure sports cover
No limit stated
Not mentioned as a covered or excluded benefit in any of the provided policy documents.
Pregnancy complications
unlimited
The medically necessary treatment of pregnancy complications, including premature birth before the end of the 36th week of pregnancy, miscarriage, and emergency termination, is treated as an insured event; routine pregnancy check-ups and normal childbirth are excluded.
Personal liability abroad
No limit stated
Not mentioned as a covered or excluded benefit in any of the provided policy documents.
Legal assistance abroad
No limit stated
Not mentioned as a covered or excluded benefit in any of the provided policy documents.
24/7 emergency assistance hotline
Covered
A round-the-clock international emergency service is reachable at +49 911 5307-33074, providing help finding suitable doctors/hospitals, procurement and shipping of medicines, cost assurances and direct billing with foreign hospitals, and organizing medically sensible repatriations.
Key conditions
Assistance call deadline
No fixed deadline is stated in the terms; the insurer recommends calling the 24/7 assistance line at +49 911 5307-33074 as soon as possible in the event of an inpatient hospital stay.
Unauthorized treatment
If a repatriation transport method other than a specialized vehicle/aircraft (including rescue helicopter) is used, benefits are paid only if the insurer gave written consent before the return journey began; more generally, if treatment exceeds the medically necessary scope, the insurer may reduce its benefit to a reasonable amount.
Purchase while abroad
The contract must be concluded before the trip begins; cover does not begin before the contract is concluded, the first premium is paid, or the trip starts, and no benefits are paid for insured events occurring before conclusion of the contract or payment of the first premium.
Chronic conditions
Chronic illnesses are only covered to the extent that an acute and unforeseeable significant worsening occurs while abroad; otherwise chronic conditions are outside the scope of cover.
Pregnancy
Medically necessary treatment of pregnancy complications, including premature birth before the end of the 36th week, miscarriage, and emergency termination, is treated as an insured event; routine pregnancy check-ups and normal childbirth are excluded from cover.
Pre-existing condition exclusions
Conditions requiring treatment or already under treatment at the start of the trip are covered only insofar as an acute, unforeseeable significant worsening occurs abroad.
Coverage duration limit
Cover applies only to trips abroad with an uninterrupted duration of up to two months from the start of the journey; for longer stays, cover applies only for the first two months of the stay.
Policy specifics
Travel duration limit
Coverage applies only to temporary stays abroad up to two months from the start of a journey
SourceAcute illness and accident coverage
Insurance covers acute diseases and accidents occurring during the foreign stay; for chronic conditions, coverage only applies if acute exacerbation occurs unexpectedly abroad
SourceEmergency medical repatriation
The insurer covers costs for medically necessary repatriation to Germany, including expenses for an accompanying person
SourceDental treatment and repair
Coverage includes pain-relieving, conservative, and surgical dental treatments, as well as repair of existing dental prosthetics
SourceHospital daily allowance
The insurer provides hospital daily allowance benefits during inpatient treatment abroad; amount depends on whether other cost-sharing occurs
SourceNo health questions required
The uni-RD tariff can be concluded without health questionnaire or medical examination
SourceNo age limit
The uni-RD tariff can be concluded without age restrictions for applicants of any age
SourceImmediate coverage activation
Insurance coverage becomes effective immediately for all journeys not exceeding two months
Source24-hour emergency service
The insurer provides 24-hour emergency support services; emergency contact number: +49 911 5307-33074
SourceNo deductible
The uni-RD tariff has no deductible; the insurer reimburses covered medical expenses in full
SourceMinimum contract term
The minimum contract duration for the uni-RD tariff is one year (calendar year); early termination possible only after minimum term
Source