Health

• A doctor's consultation that has not been approved by UNIQA medical assistance.
• Visits to a dietitian, plastic surgeon, and some other doctors.
• Preventive visits.

The insurance covers physical damage of varying degrees of severity sustained as a result of a road accident, natural disaster, unlawful actions of third parties, electric shock, or other sudden events. Damage includes injuries, mutilations, burns, frostbite, poisoning, wounds, and more.

Yes, but with certain restrictions. Most common chronic conditions do not prevent you from obtaining a policy. However, there are exceptions that are not covered by the insurance company. For example, individuals with uncompensated forms of diseases of the cardiovascular, endocrine, excretory, nervous, and musculoskeletal systems, as well as a history of malignant neoplasms, cannot be insured.

In addition, insurance is not issued to individuals suffering from mental and behavioral disorders, tuberculosis, alcoholism, drug addiction, or substance abuse. Therefore, if you have a chronic illness, we recommend discussing all the details with a consultant before signing the contract.

A health insurance policy can be issued for an individual or for family members (up to 5 people). UNIQA offers coverage for adults aged 16 to 59 and children from birth to age 15.

This option is convenient for families, as a single policy covers medical services for all family members listed in it.

The voluntary health insurance policy is valid at a network of partner clinics with which the insurance company UNIQA collaborates. Most of these are first-class medical facilities. You will receive a list of partners when you sign the policy, and you can also view it on the website or in the mobile app.

Under the terms of the insurance program, in certain cases you may seek treatment at other medical facilities, but to receive compensation, you must comply with the company’s rules regarding self-referral.

Many insurance plans cover the cost of medications if they are prescribed by a doctor who is part of the insurance company’s network of partners. This may be a full reimbursement or partial compensation within the limits of the coverage amount. UNIQA works with specific pharmacies where you can pick up your medications.

If you purchased the medication on your own but based on a doctor’s prescription, be sure to keep the prescription and receipt so you can submit them to receive reimbursement. For details on medication reimbursement, please contact our consultants via the myUNIQA app.

Yes, modern voluntary health insurance plans offer the option of receiving a remote medical consultation. You can consult a doctor via video call, receive recommendations and treatment advice, and in some cases, a referral for further testing.

Comprehensive insurance plans include initial online consultations when you first contact a doctor with a specific issue, as well as follow-up consultations to monitor the progress of treatment or receive clarification on prescribed procedures.

It depends on the specific plan. A voluntary health insurance policy typically covers you anywhere within our country. If you are planning a trip abroad, this type of coverage generally does not cover medical treatment or emergency care in another country.

If you frequently travel abroad for business or leisure, or if you want to protect your children’s health, you should consider other insurance plans offered by our company.

If you want to request a house call or schedule an appointment, please contact Medical Assistance first via the myUNIQA app. Our specialists will arrange a consultation, recommend the nearest partner medical facility, or help you schedule a specialist visit. Calling a doctor on your own without prior approval may result in a denial of coverage.

In an emergency situation where you need to call an ambulance, you can do so immediately without first contacting Medical Assistance. As soon as possible, you must notify UNIQA of the incident (but no later than two days after paying for medical services or being discharged from the hospital). This is necessary so that the company can confirm the insurance claim and reimburse the costs.

Yes, this is possible, but there are a few important conditions. If you plan to visit a doctor or medical facility that does not partner with UNIQA, you must coordinate this visit with Medical Assistance in advance. If this is not possible, you can pay for the treatment out of pocket and then submit the documents for reimbursement.

To do this, you must notify the insurance company (via the myUNIQA app or chatbot) no later than the date and time of the visit, and no earlier than ten days before it. If the doctor prescribes additional tests or treatment after the appointment, you must report this within two business days.

Next, you submit all the documents via the chatbot according to the list specified in the contract and await a decision. If necessary, the company may request additional confirmation.

First and foremost, contact Medical Assistance before seeing a doctor. You will need to provide the insured person’s last name, first name, and date of birth, as well as the policy number; describe the reason for the visit; provide your address and contact phone number; and specify whether a sick leave certificate is required.

Next, you must carefully follow the instructions you receive. When visiting a doctor or hospital, be sure to bring a form of identification: a passport, driver’s license, or the policy card in the myUNIQA app.

An insured event is a situation covered by your policy in which the insurance company is obligated to pay for medical services or reimburse expenses. This may include acute and chronic illnesses, a sudden deterioration in health, as well as injuries or other health conditions.

It is important to understand that the insurance company assesses the situation strictly within the terms of the policy. To avoid misunderstandings, always read the terms carefully before signing the policy, clarify all details with an advisor, and choose a plan that meets your needs.

Every policy includes a list of exclusions—situations in which the insurance company will not cover medical treatment. Most commonly, these include visits to a dietitian or plastic surgeon, as well as preventive care visits. Additionally, consultations with doctors who have not been approved by UNIQA’s medical assistance team will not be covered.

In addition, there are exclusions regarding the treatment of certain rare diseases (for example, uncompensated forms of diseases of the cardiovascular, endocrine, excretory, nervous, musculoskeletal, and other systems, as well as a history of malignant neoplasms).

Treatment for addictions and compensation for injuries resulting from alcohol or drug intoxication are not covered. Before signing the contract, it is important to carefully read the section “Insurance Risks and Limitations.”

Not all services are included in standard health insurance plans, and it is important to keep this in mind when signing the policy. Typically, an insurance policy covers treatment for acute and chronic illnesses, other health conditions, emergency care, or hospitalization.

Preventive medical checkups and vaccinations are not included in insurance plans. The reason is simple: a health insurance policy is designed to reimburse expenses in the event of illness.

Dental services are rarely included in standard health insurance plans. At our company, emergency dental care is included in the “My Health Premium” individual plans. This primarily covers urgent care for acute pain or dental injuries.

If this coverage is important to you, you should choose this specific plan. Treatment for cavities, tooth extractions, professional oral hygiene, and orthodontics are not included in insurance packages.

Most modern health insurance plans already cover treatment for COVID-19 and other acute respiratory viral infections, but the terms and conditions may vary. Basic plans typically cover outpatient treatment, online doctor consultations, and sick leave for up to 5 days, as well as emergency hospitalization if necessary.

Extended plans provide coverage for in-person doctor consultations, detailed diagnostics, and more. The amount of coverage is limited by the sum insured.

The list of illnesses and medical conditions covered by the policy depends on the plan selected. Basic plans typically include doctor visits, laboratory and diagnostic tests, treatment of acute conditions, and emergency care. Extended plans include diagnostic procedures such as CT scans and MRIs, as well as house calls for both children and adults.

There are also sometimes restrictions; for example, an insurance policy may not cover treatment for pre-existing serious illnesses if they were diagnosed before the policy was signed.

Yes, modern health insurance plans allow the insured person to seek medical care in any region of Ukraine. This means that if you are on a business trip, on vacation, or have moved to another city for a while, you can still receive care at medical facilities that partner with UNIQA.

You can find a complete list of such facilities in Ukraine on our website. Using the myUNIQA mobile app, you can find the nearest clinic. This is convenient for those who travel frequently or work in different regions.

Yes, and this is a very cost-effective option. With our company, you can include up to 5 people in the policy. These can be adults up to age 65 or children aged 0 to 17. This coverage will provide medical services for all family members listed in the policy.

Purchasing a “package” saves money and time, since all details are included in a single policy, and you can receive care at any medical facility that partners with the insurance company. To insure team members, UNIQA creates customized packages tailored to the field of activity and the specifics of the business.

The health insurance policy is valid for one year. During this period, you have access to all the covered services, and upon expiration, you can renew the policy for the next term.

It is important to note that in the event of early termination of the policy, the terms of reimbursement are governed by the rules specified in the policy.

You choose the effective date of the policy yourself. Please note that coverage begins the day after the policy is paid for and signed.

Some plans may include a so-called “waiting period” (usually lasting several days). This is necessary to prevent situations where a person attempts to purchase insurance only after a serious illness has been diagnosed.

First, take a look at the available plans on our website and decide what your priorities are. You’ll need to decide which insurance package to choose—standard or extended—and whether to include children in the policy.

You should also agree on the details of the insurance contract, including the coverage area, the sum insured, and other features. In the final step, you’ll need to provide the contact information for the insured individuals and make the payment.