UNIQA
UNIQA is a travel insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
The insurer pays service costs directly to the assistance provider (e.g. hospital invoices) when organized through the assistance partner Europ Assistance Hungary Kft. Reimbursement to the insured is possible if costs were pre-approved by the assistance provider.
Geographic scope
HU
Worldwide excluding Hungary, Antarctica, USA and Canada (USA/Canada exclusion applies to MultiPack annual pass only; GoPack daily covers Europe by default, worldwide with surcharge). Also excludes destinations listed as not recommended by the Hungarian Ministry of Foreign Affairs.
Unique selling points
- Unlimited medical repatriation and transport costs across all three package tiers (Standard, Optimum, Premium), including air ambulance — well above typical market sub-limits.
- Emergency medical treatment limit of up to 250,000,000 HUF in the Premium package, covering both accident and sudden illness abroad.
- Six defined balanced chronic diseases (including diabetes and hypertension) are partially covered at 40% of the package limit if no hospital or outpatient treatment was needed in the 6 months before travel — unlike many competitors that exclude all pre-existing conditions.
- Instant online purchase available in minutes via the UNIQA calculator at uniqa.hu/napidijas-utasbiztositas, with 24/7 Hungarian-language assistance provided by Europ Assistance Hungary Kft.
- Comprehensive three-tier package structure (Standard, Optimum, Premium) with flight delay, personal liability, search and rescue, and legal assistance progressively included — allowing precise cost/coverage calibration for each trip.
Coverage limits
Emergency medical treatment costs (accident or illness)
Covered
Covers costs of emergency medical treatment, hospitalization, transport to hospital, and transfer arising from accident or sudden serious illness during foreign travel. Limit depends on chosen package: Standard 50,000,000 HUF, Optimum 75,000,000 HUF, Premium 250,000,000 HUF. For balanced chronic diseases (diabetes, hypertension, chronic heart disease without heart failure, non-dialysis chronic kidney disease, hormonally balanced endocrine diseases, reflux) the limit is 40% of the applicable package limit, provided no hospital or outpatient treatment was needed in the 6 months prior to the trip.
Emergency medical treatment and hospitalization
Covered
Urgent medical care resulting from accident or unexpected illness during foreign travel, including hospital transport and transfer. Covered up to package limit (Standard: 50,000,000 HUF; Optimum: 75,000,000 HUF; Premium: 250,000,000 HUF). Does not cover planned or elective treatments, nor conditions treated in the 6 months prior to travel.
Hospitalization costs
Covered
Inpatient hospital treatment costs covered as part of the emergency medical treatment benefit up to package limit. Inpatient cover is provided for a maximum of 30 days per insurance period regardless of number of insured events. A separate daily hospital allowance (3,000–10,000 HUF/day up to 15 days) is also payable if the European Health Insurance Card covers the primary cost.
Outpatient (ambulatory) treatment
Covered
Outpatient emergency treatment for accident or sudden illness is covered within the overall emergency medical treatment limit (Standard: 50,000,000 HUF; Optimum: 75,000,000 HUF; Premium: 250,000,000 HUF). Not separately sub-limited; covered as part of D.3.2.
Emergency dental treatment
Covered
Emergency dental treatment is covered for up to a maximum of 2 teeth across all package tiers (Standard, Optimum, Premium). The insurer does not organize dental care or make direct payments to dental providers.
Medical transport (ambulance, transfer)
Covered
Costs of transporting the insured by ambulance, medically indicated transfer between hospitals, and other necessary transport are covered with unlimited reimbursement across all packages (Standard, Optimum, Premium).
Medical repatriation / evacuation from abroad
Covered
Costs of repatriating the insured from abroad for medical reasons, including air ambulance, are covered without limit across all packages (Standard, Optimum, Premium). The decision on mode of transport rests with the on-call physician at the assistance helpline. The insurer only covers repatriation organized through the assistance provider.
Repatriation of mortal remains
Covered
Costs of repatriating mortal remains to Hungary or alternatively covering local funeral costs abroad are paid in full (unlimited) across all packages (Standard, Optimum, Premium). Repatriation must be organized through the assistance provider.
Search, rescue, helicopter rescue
Conditional
Costs of search, rescue, extraction and helicopter rescue are covered in Optimum (5,000,000 HUF) and Premium (10,000,000 HUF) packages. Not included in Standard package. Includes mountain, water, helicopter, ambulance, and hyperbaric chamber rescue as medically indicated.
COVID-19 treatment
Covered
COVID-19 is treated as any other sudden illness; emergency medical treatment costs are covered under the standard emergency medical benefit up to the package limit, provided the condition was not already present or being treated in the 6 months prior to the trip start date. No specific exclusion for COVID-19 is stated in the 2025 T&C.
Pre-existing / chronic conditions
Conditional
Conditions that arose and/or were being treated within 6 months before the trip start date are excluded. Exceptionally, certain balanced chronic diseases (diabetes, hypertension, chronic heart disease without heart failure, non-dialysis chronic kidney disease, hormonally balanced endocrine diseases, reflux disease) may be covered at 40% of the applicable package limit, provided the insured (under 70) had no hospital or outpatient treatment (excluding check-ups) in the 6 months prior to travel.
Winter sports cover
Optional
Winter sports (skiing on marked pistes including artificial snow, snowboarding, skating, recreational sledding) are included in the base policy. Extended winter sports (competitive skiing/snowboarding styles such as freeride/backcountry, freestyle, off-piste, bob, ice climbing, glacier tours, hockey, snow rafting) require the optional Sports Insurance add-on (Sportbiztosítás kiegészítő). Unused ski pass and ski lesson reimbursement is also available under the Sports add-on.
Adventure / extreme sports cover
Optional
Extreme and adventure sports (e.g. caving, white-water rafting, canyoning, via ferrata up to 6,000 m, paragliding, parachuting, scuba diving 5–40 m, shark cage diving, wakeboard, kitesurf, etc.) are not covered under the base policy. They require the optional Sportbiztosítás kiegészítő add-on. Persons aged 70 and over are excluded from this add-on.
Pregnancy-related emergency coverage
Conditional
Emergency obstetric and pregnancy-related care is covered up to week 27 inclusive within the standard emergency medical benefit. From week 28 onwards, pregnancy-related emergency costs are covered only within Europe (as defined in C.6) up to a maximum of 1,000,000 HUF regardless of chosen package.
Personal liability insurance
Conditional
Personal liability for bodily injury caused to third parties abroad is included in Optimum (3,000,000 HUF) and Premium (6,000,000 HUF) packages. Not included in Standard. Liability for property damage is separately covered: Optimum 500,000 HUF, Premium 1,000,000 HUF. Hotel liability also included in Optimum (100,000 HUF) and Premium (200,000 HUF).
Legal assistance (interpreter, legal advice, bail)
Conditional
Legal assistance is included only in the Premium package. Services include: interpreter service (100,000 HUF), legal advice and representation (5,000,000 HUF), and bail/similar security (5,000,000 HUF, repayable within 6 months). Not included in Standard or Optimum packages.
24/7 emergency assistance helpline
Covered
A 24/7 emergency assistance helpline is available across all packages (Standard, Optimum, Premium). Operated by Europ Assistance Hungary Kft. on behalf of UNIQA. Contact: +36-1-458-4484 and +36-1-458-4485. Insurance events must be reported immediately, at most within 24 hours where objectively possible.
Key conditions
Assistance call deadline
The insurance event must be reported immediately, but at the latest within 24 hours where objectively possible, to the 24/7 assistance helpline (+36-1-458-4484, +36-1-458-4485). If the insured is unable to report within the deadline due to reasons directly related to the insured event, reporting must be done as soon as the obstacle ceases.
Unauthorized treatment
If the insured fails to contact the assistance provider before obtaining treatment and medical care was organized without the assistance provider's knowledge or approval, the insurer is not obligated to reimburse unjustified additional costs arising from this breach of cooperation. In European Economic Area countries, treatment must first be sought at institutions accepting the European Health Insurance Card (EHIC); costs not covered by the EHIC are reimbursed by the insurer.
Purchase while abroad
The insurance contract must be concluded before departure from Hungary. If the insured is already abroad, only a contract extension (tartamhosszabbítás) is possible, provided a valid contract already exists and the extension request arrives before the original contract's expiry, and the additional premium is settled by bank card via the UNIQA website.
Chronic conditions
Certain balanced chronic diseases (diabetes, hypertension, chronic heart disease without heart failure, non-dialysis chronic kidney disease, hormonally balanced endocrine diseases, reflux) may be covered at 40% of the applicable package limit, provided the insured is under 70 years of age and had no hospital or outpatient treatment (excluding routine check-ups) in the 6 months prior to the start of the trip (or, for annual passes, prior to the start of the given trip).
Pregnancy
Emergency obstetric care is covered up to the end of week 27 within the standard emergency medical benefit. From week 28 onwards, pregnancy-related emergency care is covered only within Europe (as defined in the policy) and subject to a maximum of 1,000,000 HUF regardless of the chosen package tier.
pre_existing_conditions
Insurance events resulting from illnesses that arose within 6 months before the start of the trip and/or were already present before the trip began are excluded. The 6-month lookback applies to all conditions not listed as covered balanced chronic diseases.
coverage_duration_limit
GoPack is a fixed-term per-trip contract with a minimum duration of 1 day and a maximum of 365 days. Only one contract per insured person may be active per trip duration. Inpatient hospitalization is covered for a maximum of 30 days per insurance period regardless of the number of insured events.
Where to buy
Policy specifics
Flight delay reimbursement
Coverage for necessary expenses incurred when flight, train, or ship departure is delayed by 4 to 24 hours
Medical repatriation
Coverage for costs of transporting an insured person from foreign location back to Hungary for medical reasons
Baggage loss and delay
Coverage for expenses related to lost or delayed baggage during travel
Territorial coverage
Insurance coverage applies outside Hungary with options for Europe-only or worldwide coverage (excluding USA/Canada)
Age eligibility
Insured person must be under 80 years of age on the trip start date
Pregnancy coverage limitation
Emergency medical care related to pregnancy from the 28th week onwards is covered only in Europe
Contract duration options
GoPack: fixed-term daily premium contract (1-365 days); MultiPack: indefinite annual pass
Assistance services provider
24/7 assistance services organized through contracted partner company for coordination of medical and other emergency support during travel