Finally, the time has come! Many have been eagerly awaiting more information about the new uniVersa uni-Top privat 300 plan since the end of last year, and now it’s finally here! But what’s really behind it, and is the plan truly as family-friendly and affordable as speculated? Below is everything you need to know about UniVersa’s new compact plan, what to look out for, and who this plan might be suitable for.
Outpatient Services
The uni-Top privat 300 is a plan without a primary care physician or family doctor principle, which makes choosing a doctor much simpler. You can skip the visit to the general practitioner and go directly to a specialist. Particularly in terms of preventive care services, the uni-Top privat 300 is a significant improvement over the uni-intro and even the uni-A. Preventive care in the new plan is now also reimbursed according to non-statutory programs, as usual without age and diagnosis restrictions, and with a €200 bonus budget per year for prevention courses. Medications and remedies are reimbursed at 100%, and for medical aids, there is an open catalog to choose from. For visual aids, the uni-Top offers a full €600 every two years. However, if your eyesight changes by 0.5 diopters before that, you are eligible for the €600 again before the two years are up. Alternative practitioner services, as well as remedies, dressings, and medications resulting from the treatment, are supported with a budget of €2000 per calendar year and up to the maximum rates of the fee schedule for alternative practitioners. Meanwhile, proven methods of naturopathy are covered 100% according to GebüH and GOÄ. Psychotherapy is supported for 20 sessions at 100% and then at 90%, without prior approval. One of the most important topics when it comes to comprehensive health insurance is the fee schedule. With the uni-Top privat 300, you don’t have to deal with the fee schedule at all, as reimbursement is provided even beyond the maximum rates. This saves a lot of research time, stress, and work.
Inpatient Services
For inpatient care, the uni-Top privat 300 offers an all-round carefree package. It includes both single and double rooms, as well as private doctor treatment, with a substitute hospital per diem of €50 when waiving each service. Unlike the uni-intro, private clinics are also unconditionally eligible for reimbursement, and of course, here too, the fee schedule goes beyond the maximum rates.
Dental Services
The dental benefits in this plan are also quite impressive. Dental treatments and inlays are covered 100%, while dentures, implants, and orthodontics are reimbursed at 90%. However, be aware of the dental tier system that applies to all services! In the first year, a dental budget of €1500 is available. This increases up to €6000 in the 4th year and is free from the dental tier system from the beginning of the 5th insurance year. Those who have a bonus booklet for 5 years before the start of insurance can be exempted from the dental tier system as early as the 4th insurance year. And here too, reimbursement is provided beyond the maximum rates of the fee schedule.
General Overview of the New uniVersa uni-Top privat 300 Compact Plan
Also new for uniVersa is that the uni-Top privat 300 offers a guaranteed lump sum payment of €600 in claim-free years, excluding preventive care services. On top of that, there’s also a performance-dependent premium refund of 2.5 monthly premiums, which together adds up to a considerable sum. This plan is thus a clear example that you can simultaneously receive top benefits and save money compared to statutory insurance (depending on age and whether a premium relief plan was added). And of course, foreign coverage is included, up to 3 months at a time with full benefits.
If you want to learn more about other tariffs in private health insurance, please visit our Blog. There you will find comprehensive information on various offers and can discover the insurance solution that suits you best. We look forward to your visit!
