UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu
UNIQA
UNIQA is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
If the insured has not already paid the costs, UNIQA settles the claim directly with the healthcare facility, in the currency in which the invoice was issued, once all required claim documents have been submitted.
Geographic scope
Worldwide
Cover applies worldwide, but a single trip may not exceed 45 days (extendable to 90 days for an extra premium) or 90 days if travelling only within the defined Europe zone. Legal assistance does not apply in Slovakia or the insured's country of permanent residence, while HZS mountain rescue costs are separately covered within Slovak territory.
Starting price
€20
Indicative — pricing assumptions not stated
Unique selling points
- Every 4th Slovak holds an insurance product from UNIQA, reflecting strong market presence and customer trust.
- UNIQA's travel insurance took 1st place in the Financial Product of the Year 2023 competition.
- Above-standard 24/7 assistance services are included in the price of the policy, with support in the Slovak language.
- The Extra tier removes the usual upper age limit, letting travellers over 70 stay insured, unlike the 70-year cap on Basic, Plus and Komfort.
- All four tiers include Mountain Rescue Service (HZS) intervention costs in Slovakia up to €16,600, even though this is a policy for trips abroad.
Coverage limits
Medical expenses abroad
€250,000
Maximum benefit for necessary medical treatment abroad due to acute illness or injury is €250,000 per insured person per policy period, identical in all four packages (Basic, Plus, Komfort, Extra); this sum insured is shared across all items 14-27 of the benefits table (treatment, hospitalization, transport, dental, repatriation, etc.).
Emergency/outpatient medical examination and treatment
€250,000
Covers necessary medical examination, treatment and prescribed medication following an acute illness or accident abroad, within the same shared €250,000 medical expenses sum insured, in all four packages.
Hospitalization
€250,000
Hospitalization in a standard ward of a public hospital is covered up to €250,000 (shared cap), plus a daily cash benefit of €18/day (Basic, Plus, Komfort) or €20/day (Extra) for up to 14 days of hospitalization.
Outpatient treatment
€250,000
Outpatient (ambulatory) medical treatment abroad is covered up to €250,000, within the shared medical expenses sum insured, in all four packages.
Emergency dental treatment
€400 – €650
Covers only acute first-aid dental treatment (tooth extraction, temporary filling) up to €400 (Basic), €450 (Plus), €500 (Komfort) or €650 (Extra) per event, conditional on the insured having had a preventive dental check-up in the current or previous calendar year; full dental treatment, crowns, bridges and periodontal care are excluded.
Medical transport to nearest facility
€250,000
Covers transport to the nearest suitable healthcare facility and necessary medicine transport, up to €250,000, within the shared medical expenses cap.
Transport back to home country
€250,000
Covers doctor-ordered transport back to Slovakia (including air ambulance where necessary), up to €250,000, within the shared medical expenses cap, in all four packages.
Repatriation of remains
€250,000
Covers transport of the insured's remains to the place of burial in Slovakia, up to €250,000 (coffin fees excluded, except a transport coffin), within the shared medical expenses cap.
Search and rescue costs
€250,000
Search and rescue costs in the mountains or on/in water abroad are covered up to €250,000, within the shared medical expenses cap. Separately, Mountain Rescue Service (HZS) intervention costs within Slovak territory are covered under a dedicated benefit up to €16,600 per policy period, in all four packages.
COVID-19 treatment
€250,000
Od 17.8.2021 UNIQA kryje liečebné náklady spojené s ochorením COVID-19 (ambulantné ošetrenie, lieky, hospitalizácia, repatriácia) v rámci štandardného poistenia liečebných nákladov pre všetky krajiny bez ohľadu na typ zmluvy (krátkodobé aj ročné). Krytie sa riadi všeobecným limitom poistenia liečebných nákladov, ktorý je vo všetkých balíkoch (Basic, Plus, Komfort, Extra) do výšky 250 000 EUR. Samostatný osobitný sublimit pre COVID-19 nie je v aktuálnych podmienkach stanovený - ochorenie sa posudzuje ako bežné akútne ochorenie. Súčasťou rozšírenia je aj krytie nákladov na karanténne ubytovanie v zahraničí do limitu 1500 EUR pri potvrdenom pozitívnom teste.
Chronic and pre-existing conditions
€20,000
Acute, unforeseeable deterioration of a chronic or pre-existing condition (including consequences of an earlier injury) is covered up to €20,000 for items 14-24 of the benefits table, in all four packages, but only if the condition did not require hospitalization in the 9 months before the policy started; heart disease, cancer, stroke, type I diabetes, epilepsy and multiple sclerosis requiring hospitalization in that period are excluded entirely.
Winter sports cover
€250,000
Recreational winter sports (skiing, snowboarding) on marked ski slopes and trails are covered within the general €250,000 medical expenses cap at no extra charge; off-piste skiing, ski touring above 5,000 m, and skiing without a mountain guide are excluded unless otherwise agreed.
Adventure/extreme sports cover
Excluded
A long list of extreme and high-risk activities (e.g. mountaineering/ski touring above 5,000 m, bungee jumping, paragliding, off-piste skiing, whitewater rafting/kayaking above WW3, motorsports) is explicitly excluded from all coverage sections unless otherwise agreed in the policy.
Pregnancy complications
Conditional
Complications of pregnancy are covered as an acute illness (within the general medical expenses cap) only until the completion of the 26th week of pregnancy; costs related to childbirth and its complications after that point, as well as routine pregnancy diagnosis, check-ups and voluntary termination, are always excluded.
Personal liability
€200,000
Only in Plus, Komfort, Extra
Covers unintentional damage to health and property caused by the insured, up to €200,000 for each type of damage, but only in the Plus, Komfort and Extra packages; it is not included in Basic.
Legal assistance
€2,000 – €6,000
Provides assistance with police detention and securing a lawyer/interpreter up to €2,000 (Basic, Plus, Komfort) or €6,000 (Extra), plus a refundable lawyer's deposit/bail up to €1,800 (Basic, Plus, Komfort) or €5,000 (Extra). Included in all four packages, but does not apply in Slovakia or the insured's country of permanent residence.
24/7 assistance services
Covered
UNIQA ASSISTANCE provides medical monitoring, transport to hospital, medical repatriation, direct settlement of medical bills, medicine sourcing and pre-trip/embassy information, available 24/7 with Slovak-language communication, included at no extra cost in all four packages.
Key conditions
Assistance call deadline
In the event of hospitalization, the insured must contact UNIQA Assistance without undue delay, and in any case no later than 3 days after the insured event, and present the assistance card in hospital.
Unauthorized treatment
If the insured breaches notification, cooperation or documentation duties, the insurer may proportionately reduce or refuse the claim, depending on the impact of the breach on its ability to determine the claim.
Purchase while abroad
If an insured person is already outside Slovakia when the policy is concluded, cover begins at 00:00 Slovak time on the 5th day after conclusion of the contract, unless otherwise agreed, and the same trip-length rules apply.
Chronic conditions
Unforeseeable acute deterioration of a chronic or pre-existing condition is covered up to €20,000, but only if it did not require hospitalization in the 9 months before the policy started; certain conditions (heart disease, cancer, stroke, type I diabetes, epilepsy, multiple sclerosis) requiring hospitalization in that period are excluded outright.
Pregnancy
Pregnancy complications are covered as an acute illness only up to the completion of the 26th week of pregnancy; childbirth, its complications thereafter, and routine pregnancy-related costs are excluded.
Pre-existing condition exclusions
Pre-existing/chronic conditions are covered only for an unforeseeable acute relapse, capped at €20,000, and are excluded entirely if they required hospitalization in the 9 months preceding the start of the policy.
Coverage duration limit
A single trip may not exceed 45 days worldwide or 90 days within the defined Europe zone; the 45-day worldwide limit can be extended to 90 days for an additional premium; if the insured is hospitalized abroad, cover extends for the necessary hospital stay up to a further 60 days; if a delayed public carrier prevents timely return, cover extends up to 5 further days.
Policy specifics
Mountain and water rescue coverage
Included in annual travel insurance package for rescue operations in mountains and water
SourceTrip cancellation insurance
Available in Komfort and Extra packages; covers cancellation fees with specified deductibles
SourceDelayed luggage coverage
Plus package and higher tiers reimburse essential clothing and toiletries for delayed luggage
SourceTrip interruption insurance
Komfort and Extra packages cover costs of unused and paid services when trip is interrupted
SourceAccident and liability insurance
Plus package and higher include accident and liability coverage for damage caused by insured
SourceMissed connection coverage
Plus package and higher cover costs when insured misses scheduled transport departure
SourceRecreation sports coverage
Common summer and winter recreational sports (skiing, snowboarding) automatically covered at no extra cost
SourceGeographic coverage area
Worldwide coverage; excludes Slovakia for main coverage (foreign travel only)
SourceFamily group definition
Family: 2 adults and 1-4 children; entitled to 20% family discount on annual premium
Source24/7 assistance services
UNIQA Assistance available 24/7 in Slovak language; includes medical, legal, and travel assistance
SourcePolicy term and renewal
365-day annual policy with automatic renewal option; can be extended without re-application
Source