UNIQA Biztosító Zrt.
UNIQA
UNIQA is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
The insurer generally settles costs directly with the assistance service provider (Europ Assistance) based on invoices issued in the insurer's name. If the insured pays for services out of pocket with the prior approval of the assistance provider, the provider reimburses the paying party up to the policy limit.
Geographic scope
Europe (listed countries), worldwide (excl. Hungary) available with surcharge; annual MultiPack policy is worldwide by default except USA and Canada
Covers Magyarország kivételével Europe (listed countries incl. Albania, Andorra, Austria...Ukraine, Vatican, plus Cyprus, Egypt, Morocco, Turkey, Tunisia, Israel, Russia). Worldwide extension available for a surcharge (GoPack). Excludes Antarctica and countries listed as not recommended for travel by the Hungarian Ministry of Foreign Affairs. Annual MultiPack excludes USA and Canada.
Unique selling points
- The Prémium tier offers a very high HUF 250,000,000 sum insured for emergency medical treatment abroad, well above typical market minimums.
- Repatriation of the insured and of mortal remains is covered without any monetary limit ('unlimited') in every tier, including the entry-level Standard package.
- A 24/7 multilingual assistance hotline operated by Europ Assistance coordinates and, in most cases, directly settles medical costs abroad, avoiding upfront out-of-pocket payment.
- The Prémium tier adds benefits rarely included as standard by competitors, such as glasses/contact lens replacement, an extra air/ship-disaster death benefit, and a daily hospital comfort allowance.
- The annual MultiPack policy provides worldwide cover (except USA and Canada) by default, without needing a separate worldwide surcharge as required for the daily-fee GoPack.
Coverage limits
Medical expenses (accident/illness treatment, hospital transfer)
HUF 50,000,000 – HUF 250,000,000
Sum insured for urgent medical treatment and hospital transfer abroad due to accident or illness: Standard HUF 50,000,000; Optimum HUF 75,000,000; Prémium HUF 250,000,000.
Emergency medical treatment
Covered
Emergency medical treatment abroad is covered within the overall medical expense sum insured (see medical_expenses); no separate sublimit is stated.
Hospitalization (inpatient care)
Covered
Inpatient hospital treatment is covered within the overall medical expense sum insured, limited to a maximum of 30 days per insurance period regardless of the number of insured events.
Outpatient treatment
Covered
Outpatient treatment abroad is covered within the overall medical expense sum insured; no separate sublimit is stated.
Emergency dental care
Covered
Emergency dental treatment is covered for a maximum of 2 teeth per insured event, in all tiers (Standard, Optimum, Prémium).
Medical transport / repatriation (incl. air ambulance)
unlimited
Repatriation from abroad, ambulance transport and hospital transfers are covered without a monetary limit ('unlimited') in all tiers.
Medical evacuation (air ambulance)
unlimited
Air-ambulance evacuation, where medically necessary and ordered by a doctor, is covered without a monetary limit as part of the repatriation/medical transport benefit.
Repatriation of mortal remains
unlimited
If the insured dies abroad due to accident or illness, repatriation of the remains or the cost of burial abroad is covered without a monetary limit in all tiers.
Search, rescue and evacuation (incl. helicopter rescue)
HUF 5,000,000 – HUF 10,000,000
Only in Optimum, Prémium
Search and rescue (incl. helicopter, mountain, water rescue, hyperbaric chamber treatment) is included in Optimum (HUF 5,000,000) and Prémium (HUF 10,000,000); not available in Standard.
COVID-19 treatment
No limit stated
No specific COVID-19 sublimit or exclusion is separately stated in the reviewed sources.
Pre-existing (chronic) conditions
40% of insured sum
Certain named stable chronic diseases (diabetes, hypertension, chronic kidney disease not requiring dialysis, chronic heart disease without heart failure, balanced endocrine disorders, reflux disease) are covered if no hospital/outpatient treatment was needed in the 6 months before travel; cover in that case is capped at 40% of the medical expense sum insured. Other pre-existing illnesses treated or present within 6 months before travel are excluded.
Winter sports cover
Conditional
Casual recreational winter sports on marked pistes (sledging, skiing/snowboarding incl. artificial snow/slopes, ice skating) are included in the base policy. Off-piste, freeride, competitive or extreme winter sports (e.g. ski touring, snow rafting, ice climbing) require the optional Sportbiztosítás (Sports Insurance) add-on for a surcharge.
Adventure / extreme sports cover
Optional
Competitive sports, extreme sports (e.g. caving, canyoning, rafting, mountaineering, paragliding, skydiving, diving) and physical work abroad are excluded from the base policy and only covered if the optional Sportbiztosítás (extreme/competitive sports) or Fizikai munkavégzés külföldön add-on is purchased for a surcharge.
Pregnancy complications / emergency obstetric care
HUF 1,000,000
Emergency pregnancy/obstetric care is covered under the general medical sum insured up to the end of week 27 of pregnancy. From week 28 onward, cover for pregnancy-related emergencies is restricted to Europe only and capped at HUF 1,000,000, regardless of the tier chosen.
Personal liability (private liability insurance)
HUF 3,000,000 – HUF 6,000,000
Only in Optimum, Prémium
Private liability for personal injury caused to third parties abroad is covered in Optimum (HUF 3,000,000) and Prémium (HUF 6,000,000); not available in Standard.
Legal assistance / legal advice
HUF 5,000,000
Only in Prémium
Legal advice/assistance abroad in connection with an offence, negligent crime or administrative proceedings is covered up to HUF 5,000,000, only in the Prémium tier; not included in Standard or Optimum.
24/7 assistance hotline
unlimited
The insurer commits to fulfil its service obligation 24 hours a day, every day of the year, via the assistance hotline (+36 1) 458-4484, 458-4485, operated by Europ Assistance Magyarország Kft.
Key conditions
Assistance call deadline
The insured event must be reported without delay, at the latest within 24 hours where objectively possible, via the 24/7 assistance hotline (+36 1) 458-4484, 458-4485.
Unauthorized treatment
If the insured, through their own fault, fails to report the claim within 24 hours and this makes it impossible to clarify material circumstances of the claim, the insurer's obligation to pay does not arise.
Purchase while abroad
The policy is only validly concluded if taken out before departure from Hungary. If the insured is already abroad, only an extension of an existing valid policy is possible (subject to conditions), not the conclusion of a new policy.
Chronic conditions
Named stable chronic diseases (diabetes, hypertension, non-dialysis chronic kidney disease, chronic heart disease without heart failure, balanced endocrine disorders, reflux) are covered if no hospital or outpatient treatment was required in the 6 months before travel; cover is then capped at 40% of the medical expense sum insured.
Pregnancy
Emergency pregnancy/obstetric care is covered under the general medical sum insured up to the end of week 27; from week 28 cover is limited to Europe only and capped at HUF 1,000,000.
Pre-existing condition exclusions
The insurer does not provide cover for illnesses that required medical treatment or were already present within the six months before the start of the trip, except for the specifically listed stable chronic conditions.
Coverage duration limit
GoPack (daily-fee policy): fixed term of 1–365 days. MultiPack (annual policy): open-ended term renewed yearly, but each individual trip abroad is covered for a maximum of 40 consecutive days (extendable for a surcharge to 180/270/365 days).
Policy specifics
Flight delay coverage
Coverage for unexpected expenses due to flight, train or ship delays; typically covers 4+ hours delays up to 24 hours
SourceMedical expense reimbursement
Coverage for urgent medical and healthcare costs incurred during foreign travel; includes emergency hospitalization and related expenses
SourceBaggage and luggage coverage
Coverage for loss, theft or damage to luggage and personal belongings during travel
SourceSource no longer reachableVehicle assistance service
Optional supplementary service covering roadside assistance, towing, and on-site repair for vehicle breakdown during travel
SourcePackage variants
GoPack is offered in three main packages: Standard (basic Europe coverage), Optimum (enhanced coverage with sports), and Premium (worldwide except USA/Canada)
SourceInsured person age limits
Policy coverage limited to natural persons aged 18-80 at the start of the insurance period
SourceAssistance network coordination requirement
Medical expenses typically must be coordinated with and often paid by the assistance partner (not reimbursed directly to insured)
SourceDocumentation requirement for claim reimbursement
Insured must provide original invoices, receipts, official delay certificates and written proof of expenses for claim settlement
SourceTrip duration and policy validity
GoPack is a fixed-term daily premium policy with minimum 1 day and maximum 365 days coverage period
Source