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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong Universa plan for employees with reimbursement above the maximum rates of the fee schedule, dental treatment at 100 percent, a simplified right to switch without health questions and a moderate deductible of €300 a year.
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For us, Universa's Uni-TopIprivat 300 is one of the strongest plans on the market, and that is exactly why it is in our selection for employees. We rate benefit coverage at 10 out of 10 points. The plan reimburses outpatient, inpatient and dental costs also above the maximum rates of the fee schedule, which is where many specialists bill. Unlike pure premium plans, Universa links this level to a fixed deductible of €300 a year that applies to outpatient, inpatient and dental costs. This lowers the premium, which is in the middle range at 6 out of 10 points, and overall gives a balanced price-performance picture instead of an expensive all-inclusive package. On top of that comes a simplified right to choose plans, meaning a switch to other plans without new health questions, and an option right for higher-level cover after six years. We classify Universa's premium history as above-average in reliability at 8 out of 10 points, and claims handling at 9 out of 10 points.
We rate benefit coverage at 10 out of 10 points. The deciding factor is reimbursement also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care. Outpatient medical treatment, medical aids and naturopathic treatment are reimbursed at 100 percent.
The plan provides a right to switch to other plans without new health questions, with waiting periods only for additional benefits. In addition, there is an option right for higher-level cover on the first of the month after six years of insurance.
Outpatient preventive checkups are also reimbursable for programs not introduced by law, without age limit, diagnosis restriction or fixed checkup intervals. On top of that comes up to €200 per year for two prevention courses.
Five key figures from our plan analysis, each on a scale from 1 to 10. They are based on the plan terms, the premium histories and our experience from advisory practice.
How much the cover really pays in a serious case.
How reliably premiums have developed in the past.
How quickly and fairly bills are reimbursed.
Terms for children and co-insured family members.
10 means a comparatively low premium. Low values stand for a higher premium.
The core benefits from the plan terms, grouped by area. Open an area to see the details.
The outpatient area decides how freely you choose doctors and how much of private doctors' fees is reimbursed. The most important row is the fee schedule: the plan also reimburses fees above the maximum rates of the GOÄ, which is exactly where many specialists bill.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Also for programs not introduced by law, without age limit and fixed intervals, plus up to €200 per year for two prevention courses
Prescribed medicines and dressings are reimbursed, prescription contraceptives up to age 21
Reimbursed, including osteopathy, birth preparation and postnatal recovery courses
Open catalog of medical aids, 100%, digital health applications 100% from the statutory directory, beyond that 80% up to €1,600 per year
Up to €2,000 per year, up to the maximum amounts of the fee directory for alternative practitioners
Up to €600 per 24 months, surgical vision correction including laser and Lasik
100% for 20 sessions per year, then 90%, without prior approval
In hospital the difference between basic cover and premium cover is clearest. This plan fully covers the optional hospital services and even rewards you with a substitute daily allowance for not using them.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€50 per day if you do without a single or two-bed room, €50 if you do without a private doctor, half the rate for children and young people up to 21
Reimbursed
Reimbursed, without prior approval
After prior approval, also without approval in an emergency and if there is no alternative nearby
To and from the hospital up to 100 km
Outpatient operations as well as admission and discharge treatment are reimbursed
Dentures are one of the most common reasons for a claim. The plan reimburses dental treatment and inlays in full, while an own share remains for dentures and implants. What you need to know are the dental benefit limits, meaning the cap in the first years of insurance.
100%, including professional teeth cleaning, root canal and periodontal treatment
90%, including crowns, bridges and facings
100%
90%, including bone grafting
90%
Reimbursement also above the maximum rates
At most €1,500 in year 1, €3,000 up to year 2, €4,500 up to year 3, €6,000 up to year 4, no limit from year 5, no limit after an accident
The plan works with a fixed deductible instead of percentage own shares. It applies equally to outpatient, inpatient and dental costs and in return keeps the premium stable. On top of that come the switching rights, which make a later adjustment easier.
€300 per calendar year for outpatient, inpatient and dental benefits
Half deductible until the end of the year in which you turn 20
Preventive care, vaccinations, prophylaxis and professional teeth cleaning independent of the deductible
Switch to other plans without new health questions, waiting periods only for additional benefits
Option for higher-level cover on the first of the month after 6 years of insurance
If you submit no bills, you get money back. Universa combines a guaranteed lump sum with a performance-based refund, and preventive care does not count against you.
€600 after a claim-free calendar year, half up to age 20
2.5 monthly premiums after a claim-free year
Same refund as adults
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the lump sum or the refund at risk
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes.
Premium exemption for up to 6 months possible
Newborns free of premium in the month of birth and the following 6 months
Children can be insured alone from age 2
Covered for children up to age 12
100% for organic infertility, with age limits and limits on the number of attempts
Outside Europe up to 3 months, up to 36 months after 36 months of insurance, with medically necessary repatriation
Follow-up rehabilitation after acute inpatient treatment, health cures up to €55 per day for 28 days after 2 years of insurance
Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → is not part of this plan. As an employee you need it from the end of continued pay during illness, usually from the seventh week. We add the right daily rate in our advice.
All benefit details come from the insurer's plan terms and are summarized in simplified form. Only the insurance conditions are binding. In a consultation we check the details for your situation.
No plan is the right choice for everyone. This is what speaks for this combination, and this is what you should know.
Top-level benefit coverage (10 out of 10 points): reimbursement also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care.
Balanced price-performance picture. Despite top benefits the premium is in the middle range (6 out of 10 points), and the fixed deductible of €300 a year also keeps it stable.
Simplified right to choose plans: switch to other plans without new health questions, plus an option right for higher-level cover after six years.
Quick claims handling (9 out of 10) and an above-average reliable premium history (8 out of 10).
Family-friendly (9 out of 10): premium-free Kindernachversicherung , companion in hospital up to age 12 and premium exemption during parental leave.
Dentures, implants and orthodontics are reimbursed at 90 percent, not at 100. An own share remains for dentures.
The dental benefit limits cap dental benefits in the first four years at €1,500 to €6,000. If you plan larger dentures soon, you should factor this in.
The deductible of €300 per year applies to outpatient, inpatient and dental benefits and is due in every calendar year with bills.
Cover abroad outside Europe is limited to three months, and to up to 36 months after 36 months of insurance. Longer stays need a separate agreement.
Krankentagegeld is not included and belongs in every calculation for employees. If you have pre-existing conditions, we recommend an anonymous risk enquiry before the application.
The Uni-TopIprivat 300 suits employees above the JAEG JAEG · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG → who want a top benefit level but do not want to pay a pure premium price for it and can live well with a fixed deductible of €300 a year. It is also one of the stronger options in our selection for families, from the premium-free Kindernachversicherung to a companion in hospital.
The plan is less suitable if you do not want to bear any own share in a claim or if dentures must be covered at 100 percent. For these cases we show you better alternatives from our comparison in our advice.
The 300 stands for the deductible of €300 per calendar year in the plan. It applies to outpatient, inpatient and dental benefits. Until the end of the year in which you turn 20, the deductible is halved, and preventive care, vaccinations and professional teeth cleaning remain reimbursable regardless.
Yes. As a privately insured employee you receive the employer contribution of half your premium, up to the statutory maximum. The contribution applies no matter which plan you choose.
Yes, and the Uni-TopIprivat 300 makes it easier than many other plans. It provides a simplified right to switch to other plans without new health questions, with waiting periods only for additional benefits. Regardless of this, the statutory right to change plan under § 204 VVG applies, and you keep your ageing reserves.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Universa's specific adjustments by year and plan in our overview of premium adjustments. If an increase is large, we check plan optimization with you.
The five key figures come from our ongoing plan analysis. They are based on the plan terms, the published premium histories and our experience with claims handling from advisory practice. The rating is our professional assessment, not a ranking by a testing institute.
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Personal advice from our specialists. Response time: under 24 hours.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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