Versatility in Satisfying the Highest Standards

Advantage through innovation

UNIQA regularly introduces new products to the market, proving itself again and again to be a leader in innovation in the Austrian insurance business. Be it property, health, casualty or life insurance – UNIQA puts the spotlight on customised solutions and excellent benefits for the customer.

FlexSolution – As versatile as life itself

The product, introduced to the market in 2008, has been very well received. In the meantime, over 8,000 new customers have already come to enjoy the advantages of FlexSolution. In the course of the financial market crisis it has become quite obvious that the chance to flexibly adjust investments on an ongoing basis between profit and guarantee is an innovative product feature that is very popular.

Flexible as life itself. Thanks to the combination of two investment worlds, FlexSolution ideally accommodates the changes in the customer’s life situation – as often as he wishes.

Raiffeisen PersonenSchutz: Combination of life and casualty insurance

Similarly, one can have the highest conceivable level of flexibility with a new product by Raiffeisen Versicherung called Raiffeisen PersonenSchutz, a combination of life and casualty insurance. The customer can choose here between different variations of life insurance with freely definable benefits in the case of death and casualty insurance with a premium-free rehabilitation allowance that is paid out if in-patient care is required after an accident.

UNIQA SafeLine – Motor vehicle insurance that can save lives

SafeLine customers are rewarded for this higher safety level with lower base premiums and can also save flexibly premiums since SafeLine determines the total kilometres driven in a year, making possible a bonus for environmentally-conscious people who drive less than 10,000 km annually. The less the customer drives, the higher the bonus. This means that every SafeLine customer can also optimise his or her individual CO₂ balance and view it at any time on a special Internet portal. With this, UNIQA has secured itself a clear competitive advantage in Europe. Several thousand customers have already chosen the attractive SafeLine rate.

New in Europe: The motor vehicle product SafeLine combines comprehensive safety in an emergency with savings on premiums for those who drive less.

Other initiatives for safety and the environment

Since July 2008, as part of the Raiffeisen Climate Protection Initiative, UNIQA and Raiffeisen Versicherung have been supporting private customers who build their homes in accordance with environmental guidelines, in particular when they use energy-saving construction methods. These customers receive an energy bonus in the shape of a premium exemption: they pay no premiums for the first two insurance months. In addition, UNIQA can help you find energy advisers who are authorised to draw up the building’s Energy Performance Certificate which has been required since 2008.

UNIQA’s campaign Auto & Netz helps protect the environment in a different way. It rewards automobile drivers who also own an annual public transportation ticket by dropping the first two months’ premiums of their motor vehicle insurance.

UNIQA carried out a special initiative in property insurance in 2008 for the European Football Championships, which were played in part in Austria. More than 200,000 customers were insured against vandalism during the Championship as part of UNIQA’s programme for regular customers without having to pay any additional premiums.

Market leadership reinforced with MedUNIQA

Approximately 500,000 special class insured customers received a new card that can be used as before as an “entrance ticket” to special class services and also still serves as a membership card to the UNIQA VitalClub.

But the new card can do much more: it offers access to the UNIQA Medikamentenkompass, an online database that lists any negative interactions between various medicines. Customers can also take a look at the Spitalskompass; this can be a valuable tool for patients when it comes to making a decision about which hospital to go to. It also contains information, for example, about which treatments are carried out at which hospitals.

Privat Supreme proves its worth

UNIQA’s Privat Supreme package continues to be very popular. It is a benchmark in health insurance, combining the best medical insurance protection with effective preventive measures and sensible assistance services.

The service package bundles five key aspects into a single rate and guarantees outstanding, top-quality medical care as well as effective opportunities for learning how to maintain health and fitness:

In hospital, the insured person enjoys all the advantages of private patients because UNIQA carries all additional expenses for the special class treatment.

When seeing a doctor or specialist, the customer selects the physician he trusts independent of the health fund contracts and may select the best treatment methods (orthodox or complementary medicine).

As an instrument of prevention, the VitalCheck determines the health status of the customer based on various examinations.

Finally, the customer’s personal VitalCoach develops a customised wellness plan with six annual training units based on an individual fitness profile. In addition, the team of physicians at UNIQA’s medical call centre is available to answer customer questions at any time.

First Care – New health insurance for children

With “First Care”, UNIQA offers a new form of private health insurance for children that automatically adapts to their growing insurance needs. Up to the age of twelve, the company covers the full costs for an accompanying person in all Austrian hospitals and public hospitals in Europe. For children aged 12 to 18, First Care pays the costs of special class treatment in a two-bed room for accident-related hospital stays in lieu of the expenses for an accompanying person. Upon reaching adulthood, UNIQA covers all additional costs of special class treatment in hospital after an accident as well as for a broad range of serious illnesses.

Customised health insurance for people working abroad

The best possible insurance for persons on long-term international job assignments together with their families is offered by UNIQA’s expatriates insurance. Private persons can take out this insurance as well as companies that are sending employees abroad. Five different product variants offer the greatest possible flexibility. They differ in the amount of insurance coverage and include various levels of benefits, such as packages valid in certain geographic areas or offering certain scopes of coverage.

The specialised field of art insurance – UNIQA brings the stolen Sisi star back to Austria

As the leading art insurer in Austria, UNIQA insures not only Austrian museums, galleries and other cultural institutions but also an increasing number of private collections. Aside from insurance protection, UNIQA also offers advice on how best to present the pieces in the collection and questions about their conservation and restoration. If insured pieces disappear, UNIQA naturally plays an active role in the investigation and attempts to recover the artwork.

The company was able to celebrate a great success in this regard last August. Approximately ten years after the theft of a famous diamond star that had belonged to Empress Elisabeth, it was possible to return the jewellery to its rightful owners. The star, which had become famous because the Empress wore it in her hair in the portrait by Franz Xaver Winterhalter, had been on loan in an exhibition in Schönbrunn Palace. From there it was stolen directly out of a high security display case. Years of investigations finally led to its discovery in Canada and its return to Austria.

Approximately ten years after it was stolen from an exhibition, UNIQA, the leading art insurer in Austria, was able to bring one of the famous diamond stars of Empress Sisi back to Austria.

Focus on processing quality

Offering optimal and quick service that is easy for the customer is one of UNIQA Group’s top priorities and constitutes an important competitive edge. Whether it’s the speed with which the policies are issued, processing of inquiries and claims or providing information to customers, all services are enhanced by cutting-edge information technology and customer-friendly design.

myUNIQA.at – The practical online customer platform

First class products and services – in new markets as well as in Austria. In Croatia, UNIQA has been marketing with Slaven Bilič since autumn of 2008; as trainer of the national football team, he enjoys the status of a national hero. The sponsoring contract was concluded for two years.

Issuing policies in record time

When the direct electronic transfer of applications from the Raiffeisen banks to Raiffeisen Versicherung was enabled in 2005, it clearly sped up the time it took to issue new insurance policies. In ideal situations the policy can be printed overnight and sent to the customer within a record 48 hours. This has considerably increased the level of service of the Raiffeisen banks as a sales partner.

UNIQA’s customer information system enables optimal customer support and market communication

By implementing the UNIQA customer information system (U.KIS) back in 2006, the UNIQA Group took a decisive step towards optimally tapping into and managing customer potential. This online database keeps track of the customer relationship in its entirety – completely detached from the individual insurance segments. The second phase of this system already went into operation in the middle of 2007. Since then, a customer compass and a scheduling system have been added to the U.KIS and it now integrates online rate fixing for the most common insurance products. In 2008, the system was expanded to include the direct issuance of policies and analysis tools to support sales campaigns. In 2009, the focus will be on training the users and increasing user-friendliness.

The electronic access to the individual profiles of each policyholder offers the opportunity for service tailored to individual needs. In this manner, the system allows for improved service quality, thus encouraging customer loyalty. At the same time, by seeing the entire portfolio of each individual customer relationship all at once, UNIQA can quickly pass the advantages of more risk-appropriate and customised premiums on to its customers because all available customer information can be considered when determining the premiums.

In addition, the system highlights the potentials for cross-selling, enabling high-yield customers to be targeted directly. Particularly in times of crisis, UNIQA can then address them with even more attractive terms. Thus, U.KIS has proved to be a valuable instrument of sales and customer policies. It ensures the Group will have a decisive advantage in cultivating the market and that customers will receive service tailored to their needs.