uniVersa
About the Insurer
uniVersa Health Insurance (Nuremberg) offers its group health insurance as a modular plan — not as an open-budget plan.
You can choose from the following coverage modules for preventive care, dental care, and inpatient care: uni-bVO (preventive care and vaccinations up to €250, €500, or €750 over two calendar years), uni-bZB (preventive dental care and dental treatment), uni-bZE (dental prosthetics), and uni-bKH (inpatient care: attending physician, two-bed room). Available for companies with 10 or more employees (uni-bKH for 50 or more), with no medical exam or waiting period for employer-sponsored coverage; family members can be co-insured at special rates.
Since this plan offers fixed coverage modules rather than a flexible health budget, it is not directly comparable to the budget plans included in this comparison.
What sets this provider apart
Classification:
- Modular plan instead of a budget-based plan: pension, dental, and hospital care modules; no freely allocable budget.
- uni-bVO retirement savings: up to 750 € over two calendar years.
- Teeth can be selected individually: preventive care/treatment (uni-bZB) and dental prosthetics (uni-bZE).
- No medical exam or waiting period; family members qualify for special rates.
Facts at a Glance
bKV Modular Model (uni-bVO / uni-bZB / uni-bZE / uni-bKH)
Companies with 10 or more employees that want to provide targeted coverage for specific modules (retirement, dental, inpatient) rather than a flexible budget
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