UNIQA
UNIQA is a travel insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
UNIQA ASSISTANCE (the contractual partner) can directly guarantee and pay medical costs to healthcare providers abroad when contacted immediately. If the insured pays out-of-pocket, originals of all receipts must be submitted within 3 days of return. Repatriation and transport are organised and paid directly by the assistance service.
Geographic scope
SK
Worldwide including Slovakia (Svet); legal assistance excluded in Slovakia; single trip max 45 days worldwide, 90 days in Europe
Starting from
€26
Unique selling points
- Medical expenses covered up to 250,000 EUR per insured across all packages, including worldwide coverage with unlimited number of trips per year.
- UNIQA's travel insurance won 1st place in the "Financial Product of the Year 2023" competition in Slovakia, independently confirming product quality.
- 24/7 Slovak-language assistance (UNIQA ASSISTANCE, +421 2 54 411 029) is automatically included in all packages, providing direct payment guarantees to foreign medical providers.
- Mountain rescue service in Slovakia (HZS) is included in all packages up to 16,600 EUR, meaning no separate mountain rescue policy is needed for domestic trips.
- The Extra package includes no age limit for insureds and offers zero-deductible trip cancellation coverage (100% storno reimbursement) including acute states of chronic diseases.
Coverage limits
Medical expenses (treatment costs)
Covered
Covers necessary medical treatment costs abroad arising from acute illness or injury, including outpatient treatment, hospitalisation, transport to hospital, medicine transport, repatriation, search and rescue, and optometric/orthopaedic aids. Maximum sum insured 250,000 EUR across all packages (Basic, Plus, Komfort, Extra). For acute states of chronic or pre-existing diseases the sublimit is 20,000 EUR across all packages.
Emergency medical treatment
Covered
Covers all necessary medical examinations, treatment and subsequent medication prescriptions arising from acute illness or injury abroad, as a sub-component of the overall medical expenses sum of 250,000 EUR. Includes terrorism-related medical costs up to 50,000 EUR (up to travel advisory level 3).
Hospitalisation
Covered
Covers hospitalisation in a standard room in a public hospital abroad up to 250,000 EUR (within the overall medical expenses limit). Also includes a daily hospitalisation allowance of up to 18 EUR/day (Basic, Plus, Komfort) or 20 EUR/day (Extra), maximum 14 days. Also covers a caretaker/parent for hospitalised child up to 4,000 EUR (max 30 days).
Outpatient treatment
Covered
Covers outpatient treatment costs abroad up to the overall medical expenses sum insured of 250,000 EUR, as part of the medical expenses coverage. Applies to all packages (Basic, Plus, Komfort, Extra).
Emergency dental treatment
Covered
Covers acute emergency dental treatment only (tooth extraction, temporary filling, drilling, etc.) to relieve sudden pain, not resulting from neglected treatment in Slovakia. A regular dental check-up in the previous or current calendar year is required. Per-event limit: 400 EUR (Basic), 450 EUR (Plus), 500 EUR (Komfort), 650 EUR (Extra). Does not cover fillings, crowns, bridges, dentures, tartar removal, or periodontitis treatment.
Medical transport
Covered
Covers first necessary transport to the nearest suitable medical facility at the place of the insured event and transport of the insured to the nearest suitable medical facility in the place of permanent residence in Slovakia (including the insured's travel luggage). Transport is carried out based on the treating physician's consent and the insurer determines the means and method of transport. Covered for all packages up to 250,000 EUR.
Medical evacuation / repatriation
Covered
Covers transport of the insured back to Slovakia according to the treating physician's decision, including by air ambulance, up to 250,000 EUR for all packages. The insurer is entitled to determine the means and method of transport. If the insured does not have permanent residence in Slovakia, costs are covered only up to the equivalent cost for transport to Slovakia.
Repatriation of remains
Covered
Covers repatriation of the insured's human remains to the place of burial in Slovakia up to 250,000 EUR for all packages. Costs do not include charges for the coffin (except the transport coffin). The insurer arranges the transport or pays costs immediately upon receipt of necessary documents. If the insured had no permanent residence in Slovakia, only costs up to the equivalent of transport to Slovakia are covered.
Search and rescue / mountain rescue
Covered
Covers costs of searching for and rescuing the insured in mountains or in/on water abroad up to 250,000 EUR (within the medical expenses sum insured) for all packages. Additionally, mountain rescue service interventions in Slovakia (HZS) are covered up to 16,600 EUR for all packages as a separate cover.
COVID-19 treatment
Conditional
COVID-19 is not explicitly mentioned as an exclusion in the VPP 2019. As an acute illness, treatment would fall under the general medical expenses cover (up to 250,000 EUR), provided it meets the definition of an acute illness (sudden, unexpected health impairment requiring immediate treatment). However, if COVID-19 qualifies as a pre-existing or chronic condition for the specific insured, the 20,000 EUR sublimit for chronic/existing diseases would apply.
Pre-existing / chronic conditions
Conditional
Coverage for acute states of chronic or pre-existing diseases is limited to 20,000 EUR for all packages (Basic, Plus, Komfort, Extra), but only for unpredictable recurrence of deterioration of health. Excluded from coverage: cardiac disease, oncological disease, stroke, type I diabetes, epilepsy, multiple sclerosis if they required hospitalisation in the 9 months prior to the insured event. Conditions for which treatment started before policy inception or before the trip are not covered.
Winter sports cover
Covered
Common recreational winter sports (skiing, snowboarding on marked slopes) are included in the base cover without extra premium for all packages. Coverage falls under medical expenses (up to 250,000 EUR) and mountain rescue in Slovakia (up to 16,600 EUR). Excluded: off-piste skiing (unless agreed in the contract), ski alpinism above 5,000 m, skicross, and other extreme winter sports listed in Article 10 of the VPP.
Adventure / extreme sports cover
Excluded
Extreme and risky sports activities are explicitly excluded from the standard policy. Excluded activities include: Aerotrim, Bicross, Buggy-kitting, Equestrian polo, Canoe and Kayak WW3+, Parasailing, Hunting, Scuba diving beyond the insured's international certification, Streetluge, Zorbing, Off-piste (unless agreed otherwise in the contract), Bungee jumping, Distance swimming over 10km, Jockey, Fly Fox, Mountaineering/Alpinism above 5,000 m, mountain hikes off marked trails without certified guide, Ocean yachting, Caving, Kayakrafting, Kladdering, Kickboxing, Paragliding, Parachuting, Rafting WW3+ without instructor, Rafting WW4+, free unroped climbing, Skeleton, Sledding, Skitouring without mountain guide or above 5,000 m, Thai boxing, Heavy athletics, Via Ferrata (grade C and above), Wrestling.
Pregnancy complications
Conditional
Pregnancy complications are covered up to the end of the 26th week of pregnancy only. Costs arising from complications after the end of the 26th week of pregnancy, childbirth and its complications, determination of pregnancy, intentional termination of pregnancy, regular prenatal check-ups, fertility treatment, artificial insemination, and contraception prescription are all excluded. For trip cancellation/interruption insurance (Komfort and Extra packages), pregnancy complications are also excluded if the pregnancy was already known at the time of booking, except for complications requiring hospitalisation or bed rest prescribed by a doctor.
Personal liability
Covered
Covers unintentionally caused damage to third party health and property abroad, 200,000 EUR per event and for all events during the policy period. Available in Plus, Komfort, and Extra packages; not included in Basic. Includes liability arising from accommodation abroad, sports activities (subject to exclusions), recreational horse riding, and ownership/keeping of small domestic animals (excluding exotic animals and dogs). Excludes liability from motor vehicle operation, professional/business activities, environmental damage, hunting, and damage to items taken on loan.
Legal assistance
Covered
Covers legal assistance abroad: help with arranging a lawyer (up to 2,000 EUR in Basic/Plus/Komfort; up to 6,000 EUR in Extra), help with arranging an interpreter (same limits), and a returnable advance/bail for a lawyer or court bail (up to 1,800 EUR in Basic/Plus/Komfort; up to 5,000 EUR in Extra). The advance/bail is treated as an interest-free loan. Not applicable in Slovakia or in the country where the insured has permanent residence.
24/7 Assistance services
Covered
UNIQA ASSISTANCE is automatically included in all packages and available 24/7 in the Slovak language. Services include: medical monitoring, communication with local treating physician, arranging medical transport, medical repatriation, arranging a relative's visit during hospitalisation, providing guarantee for medical costs, repatriation of remains, medicine delivery, and pre-travel information. Contact: +421 2 54 411 029.
Key conditions
Assistance call deadline
In case of hospitalisation, the insured must contact UNIQA ASSISTANCE (the contractual partner) without undue delay, at the latest within 3 days of the insured event. After return to Slovakia, all required documents and a written explanation of the incident must be submitted within 3 days of return.
Unauthorized treatment
If the insured seeks treatment without contacting UNIQA ASSISTANCE (except in genuine emergencies), the insurer may proportionally reduce or refuse the claim depending on the extent to which the breach of obligations affected the scope of the insurer's duty to pay. Transport to Slovakia without the insurer's consent is excluded from coverage.
Purchase while abroad
If any of the insured persons is abroad at the time of policy inception, coverage begins at midnight (local Slovak time) on the 5th day following policy conclusion, unless otherwise agreed in the policy proposal. The same trip duration rules apply regardless.
Chronic conditions
Chronic disease is defined as a disease that existed at the time of policy conclusion if it required hospitalisation in the 9 months prior to the insured event, or if the disease was worsening or caused substantial changes in medication. Coverage for acute exacerbation of chronic/pre-existing diseases is limited to 20,000 EUR per insured event (all packages). Excluded: cardiac disease, oncological disease, stroke, type I diabetes, epilepsy, multiple sclerosis – if hospitalisation was required in the 9 months before the event.
Pregnancy
Pregnancy complications are covered only up to the end of the 26th week of pregnancy. Costs related to childbirth, determination of pregnancy, intentional termination, regular prenatal checks, fertility treatments, artificial insemination, and contraception are all excluded. The insured with chronic conditions or pregnancy must consult their physician before travel.
pre_existing_conditions
Coverage applies only to insured events occurring during the stay abroad, except for chronic and pre-existing diseases known at the time of policy conclusion for which the insured was hospitalised in the 9 months prior to the insured event. Unpredictable acute deterioration of pre-existing conditions is covered up to 20,000 EUR. Excluded conditions that required hospitalisation in the preceding 9 months: cardiac disease, oncological disease, stroke, type I diabetes, epilepsy, multiple sclerosis.
coverage_duration_limit
Annual policy valid for 365 days (366 in a leap year) from the date of policy inception. Unlimited number of trips per year. Single trip duration limit: 45 days worldwide, 90 days within Europe. Extension for trips over 45 days is possible by purchasing additional day insurance (up to 90 days total). If hospitalisation prevents return, the policy automatically extends for the necessary duration of hospital stay (max 60 additional days). Policy ends at the end of the policy period in which the insured turns 70 years (Basic, Plus, Komfort packages); the Extra package has no age limit.
Where to buy
Documents
Všeobecné poistné podmienky pre ročné cestovné poistenie – 2019 (VPP, platné od 1.11.2019)
terms_and_conditions
Cestovné poistenie – Informačný dokument o poistnom produkte (IPID) – Ročné cestovné poistenie
ipid
Rozsah poistného krytia, poistné sumy pre ročné cestovné poistenie (platné od 1.11.2019, CP/170/21)
benefits_table
Policy specifics
Trip cancellation coverage
Optional coverage for reimbursement of cancellation fees and travel interruption costs
Baggage insurance
Coverage for baggage loss, damage, or delay during travel
24/7 Assistance Services
Round-the-clock assistance including medical advice, doctor referral, and emergency repatriation coordination
Mountain rescue service coverage
Coverage for mountain rescue and water rescue operations in Slovakia and abroad
Common sports coverage
Coverage for common recreational summer and winter sports without additional premium
Annual validity period
Coverage valid for 365 days from the date of policy inception
Age limits by package
Policyholder age restrictions vary by selected package
Family discount
Discounted premium for family coverage comprising 2 adults and 1-4 children under 18
Geographic validity
Coverage applies worldwide for annual contracts
Premium adjustment clause
Insurer may adjust annual premium during contract period based on claims experience