Extracted from source documents

uniVersa Travel insurance (Uni Rd)

Underwritten by uniVersa Krankenversicherung a.G. · Germany

travel insurance from uniVersa for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2023-05Sources

24/7 helpline

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

Covered

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 transfer of remains and burial abroad (capped at 10,300 EUR) are reimbursed 100% without limit.

Clause § 4 Abs. 2Page 161

Section: § 4 Umfang der Leistungspflicht

Die Kostenerstattung gemäß § 4 Abs. 2 b) und § 4 Abs. 2 c) ist auf 10.300 EUR begrenzt. Alle übrigen Kosten werden mit 100 % ohne Begrenzung erstattet.

Covered

Emergency medical treatment

unlimited

Covers treatment and examination by doctors and specialists, including operations, assistance and anesthesia, for acutely occurring illness or accident abroad.

Clause § 4 Abs. 1 a)Page 160

Section: § 4 Umfang der Leistungspflicht

Der Versicherer erstattet die im Ausland entstandenen Aufwendungen für a) Heilbehandlung durch Ärzte und Fachärzte einschließlich Operationen, Assistenz und Narkose;

Covered

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.

Clause § 4 Abs. 1 e)Page 160

Section: § 4 Umfang der Leistungspflicht

Unterbringung und Verpflegung, ärztliche Heilbehandlung, Visiten, Sonderleistungen und dergleichen in öffentlichen und privaten Krankenhäusern, die unter ständiger ärztlicher Leitung stehen;

Covered

Outpatient treatment

unlimited

Covers outpatient examination and treatment by doctors and specialists as well as prescribed medicines and dressings.

Page 2

Section: Unser Tarif uni-RD im Überblick

Ambulante Behandlung Untersuchung durch (Fach-)Ärzte

Covered

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.

Clause § 4 Abs. 1 j)Page 160

Section: § 4 Umfang der Leistungspflicht

akut notwendig werdende Instandsetzung von Zahnersatz zur Wiederherstellung der Kaufähigkeit sowie Provisorien.

Covered

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.

Clause § 4 Abs. 1 h)Page 160

Section: § 4 Umfang der Leistungspflicht

Transporte zum nächsterreichbaren und für die Heilbehandlung geeigneten Krankenhaus bzw. Arzt und zurück;

Covered

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.

Clause § 4 Abs. 2 a)Page 161

Section: § 4 Umfang der Leistungspflicht

Kosten für einen Krankenrücktransport einschließlich der Aufwendungen für eine Begleitperson.

Covered

Repatriation of remains / burial abroad

€10.3K

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.

Clause § 4 Abs. 2 b), c)Page 161

Section: § 4 Umfang der Leistungspflicht

Kosten der Überführung eines Verstorbenen aus dem Ausland; c) Bestattungskosten im Ausland bis zur Höhe der Aufwendungen, die bei einer Überführung entstanden wären.

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.

Conditional

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.

Clause § 1 Abs. 1Page 160

Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes sowie Versicherungsfähigkeit

Für chronische Erkrankungen und für bei Beginn des Auslandsaufenthaltes behandlungsbedürftige oder in Heilbehandlung stehende Krankheiten besteht Versicherungsschutz insoweit, als im Ausland akut und unvorhersehbar eine erhebliche Verschlimmerung eintritt.

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.

Covered

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.

Clause § 1 Abs. 5Page 160

Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes sowie Versicherungsfähigkeit

Als Versicherungsfall gilt auch die medizinisch notwendige Behandlung von Schwangerschaftskomplikationen einschließlich Frühgeburt vor Beendigung der 36. Schwangerschaftswoche, Fehlgeburt und notfallbedingtem Schwangerschaftsabbruch.

Excluded

Personal liability abroad

Excluded

Not included – uni-RD is a travel health insurance only.

Clause § 1 Abs. 1Page 160

Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes sowie Versicherungsfähigkeit

Der Versicherer bietet Versicherungsschutz bei vorübergehenden Auslandsaufenthalten bis zu zwei Monaten ab Beginn einer Reise für akut eingetretene Krankheiten und Unfälle.

Legal assistance abroad

No limit stated

Not mentioned as a covered or excluded benefit in any of the provided policy documents.

Covered

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.

Page 26

Section: Auslandsnotrufnummer

Damit erreichen Sie im medizinischen Notfall rund um die Uhr unseren telefonischen Auslandsservice.

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.

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.

Territorial scope

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.

Documents

General Insurance Terms and Conditions (AVB/uni-RD) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - uni-RD (opens in a new tab)

Product information sheet · PDF

Product brochure with tariff overview and application form (opens in a new tab)

Table of benefits · PDF

Policy specifics

Travel duration limit

Coverage applies only to temporary stays abroad up to two months from the start of a journey

SourceClause § 1 Abs. 1Page 160

Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes sowie Versicherungsfähigkeit

Der Versicherer bietet Versicherungsschutz bei vorübergehenden Auslandsaufenthalten bis zu zwei Monaten ab Beginn einer Reise für akut eingetretene Krankheiten und Unfälle.

Acute 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

SourceClause § 1 Abs. 1Page 160

Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes sowie Versicherungsfähigkeit

Für chronische Erkrankungen und für bei Beginn des Auslandsaufenthaltes behandlungsbedürftige oder in Heilbehandlung stehende Krankheiten besteht Versicherungsschutz insoweit, als im Ausland akut und unvorhersehbar eine erhebliche Verschlimmerung eintritt.

Emergency medical repatriation

The insurer covers costs for medically necessary repatriation to Germany, including expenses for an accompanying person

Source

Section: Leistungen

Medizinisch sinnvoller und wirtschaftlich vertretbarer Rücktransport ins Inland - einschließlich der Aufwendungen für eine mitversicherte Begleitperson.

Dental treatment and repair

Coverage includes pain-relieving, conservative, and surgical dental treatments, as well as repair of existing dental prosthetics

SourcePage 2

Section: Unsere Leistungen bei im Ausland eintretenden Krankheiten und Unfällen

Akut notwendig werdende Instandsetzung von Zahnersatz

Hospital daily allowance

The insurer provides hospital daily allowance benefits during inpatient treatment abroad; amount depends on whether other cost-sharing occurs

SourcePage 2

Section: Unsere Leistungen bei im Ausland eintretenden Krankheiten und Unfällen

Für einen Krankenhausaufenthalt im Ausland zahlen wir ein Krankenhaustagegeld in Höhe von 25 EUR, wenn eine gesetzliche Krankenkasse oder ein anderer Kostenträger mindestens 25 EUR täglich der Krankenhauskosten übernimmt.

No health questions required

The uni-RD tariff can be concluded without health questionnaire or medical examination

Source

Section: Häufig gestellte Fragen > Sieht der Tarif eine Gesundheitsprüfung vor?

Nein. Der Abschluss erfolgt ganz einfach ohne Gesundheitsprüfung.

No age limit

The uni-RD tariff can be concluded without age restrictions for applicants of any age

Source

Section: Highlights > Ohne Gesundheitsprüfung

Für alle gesetzlich und privat Krankenversicherten einfach und unkompliziert abschließbar.

Immediate coverage activation

Insurance coverage becomes effective immediately for all journeys not exceeding two months

Source

Section: Highlights > Weltweiter Schutz - egal ob beruflich oder privat

Ihr Versicherungsschutz gilt sofort für alle Reisen, die nicht länger als zwei Monate dauern.

24-hour emergency service

The insurer provides 24-hour emergency support services; emergency contact number: +49 911 5307-33074

SourcePage 26

Section: Auslandsnotrufnummer

Damit erreichen Sie im medizinischen Notfall rund um die Uhr unseren telefonischen Auslandsservice.

No deductible

The uni-RD tariff has no deductible; the insurer reimburses covered medical expenses in full

Source

Eine Selbstbeteiligung ist im uni-RD nicht vorgesehen. Universa erstattet Behandlungskosten durch Ärzte und Fachärzte, die Instandsetzung von Zahnersatz und bei stationären Behandlungen die Kosten für Privatstationen und Wahlleistungen.

Minimum contract term

The minimum contract duration for the uni-RD tariff is one year (calendar year); early termination possible only after minimum term

Source

Section: Häufig gestellte Fragen > Wie lange ist die Mindestlaufzeit des Vertrages?

Die Mindestvertragsdauer im Tarif uni-RD beträgt ein Jahr. Ein Versicherungsjahr entspricht dem Kalenderjahr.

Sources