A. General Information
UNIQA Versicherung AG, Austrasse 46, 9490 Vaduz, telephone: +423 237 50 11, e-mail: info@uniqa.li (“UNIQA”, “we”, “us”) is responsible for ensuring adequate protection of your personal data. UNIQA therefore complies with all legal provisions relating to the protection, lawful handling and confidentiality of personal data, as well as data security. We process your personal data as required by the General Data Protection Regulation (GDPR), the Data Protection Acts (DSG / revDSG) and all other applicable laws.
This Privacy Policy applies to all websites of UNIQA Versicherung AG (hereinafter referred to as “UNIQA”). It explains how your personal data is collected, processed and used when you visit UNIQA’s websites and/or register on them.
When handling your personal data, we are committed to protecting your privacy and therefore exercise the necessary care when processing your personal data.
UNIQA’s websites may also contain links to other websites. These other websites are not controlled by UNIQA. Visiting such websites is therefore at your own risk. UNIQA cannot assume responsibility or liability for such other websites, their content or privacy practices.
B. Security of Your Personal Data
The internet is a globally open network of computer networks. You always transmit your personal data over the internet at your own risk. UNIQA has implemented appropriate security standards to protect your personal data. Despite extensive technical and organisational security measures, absolute security cannot be guaranteed. For this reason, we ask you to support our security efforts by not disclosing particularly sensitive or unnecessary data. In this context, please also ensure that you log out when leaving an area of the website protected by user login.
C. Purpose and Legal Basis for Processing Your Personal Data
UNIQA collects, processes and uses your personal data exclusively for the following purposes:
1. Performance of the contract and implementation of pre-contractual measures:
We use your personal data in accordance with Art. 6 para. 1 lit. b GDPR and the applicable provisions governing the processing of special categories of personal data (in particular your health data) pursuant to Art. 9 para. 2 lit. g and h and para. 4 GDPR,
- to assess the risk to be assumed by us
- to assess whether and under which conditions the insurance contract can be concluded or a contract amendment can be implemented, and to prepare and process the proposal or insurance offer (hereinafter the “proposal”)
- to process proposals and applications
- to prepare the contract
- once an insurance contract is in force, for its implementation and performance (including premium collection), amendment, administration, accounting, claims handling, claims investigation and recovery, providing information as part of the processing of benefits and checking whether you are entitled to benefits, as well as termination
- for ongoing customer support and provision of information, as well as complaint management
- to administer changes to master data and contract data
The preparation and processing of a proposal and the conclusion and performance of the respective insurance contract are only possible if we are able to process your personal data. If you do not provide us with the necessary data, no insurance contract can be concluded. To protect the insurance community against insurance fraud and to maintain premium equivalence, UNIQA may access any health data already available.
2. Your data may also be processed in the legitimate interests of UNIQA or a third party.
In particular pursuant to Art. 6 para. 1 lit. f GDPR for:
- risk assessment, balancing the risks assumed by us and ensuring the fulfilment of your claims
- customer support and complaint management
- preparing statistics for the development of new products and tariffs, customer support, proposal and application processing, contract administration, process improvement, provision of benefits and risk minimization
- obtaining creditworthiness information, in particular to minimize default risk in advance in connection with investments and to protect the insurance community
- continuously improving our processes to ensure a consistently high quality of advice and support
- developing and improving our AI systems and models for internal use. This includes preparing the data, initially and continuously training the models, and using AI in our processes. The AI systems are used for process improvements, productivity gains and user support, for example in AI-supported processing in the handling of insurance contracts and claims, AI-supported extraction and classification of information from documents, or for chatbots. This is not only in the interests of UNIQA, but also in the interests of the data subject, whose enquiries and applications can thereby be processed more quickly. The continuous development of the AI models and the updating of training data also serve to increase the reliability of AI models
- risk assessment in connection with applications, clarification of facts when assessing benefits, in asserting and defending legal claims (in particular judicial and extrajudicial disputes and exercising data subject rights), in processing and pursuing recoveries, combating insurance fraud, and preventing and investigating criminal offences
- the purpose of “compliance”. This means compliance with legal and other requirements, such as social security deductions, record-keeping/reporting obligations, audits, compliance with government/authority reviews, responses to legal proceedings, pursuit of legal rights/remedies, management of internal complaints/claims, investigations and compliance with strategies/procedures
- market research, such as satisfaction surveys and studies on services provided and advice, and direct marketing, provided that, following a balancing of interests, the respective market research or direct marketing activities can be considered processing serving a legitimate interest. Otherwise, we will use your data for these purposes only with your separate consent, which may be withdrawn at any time.
- ensuring IT security and IT operations, conducting stress tests, developing new products and systems and adapting existing ones, and migrating data to ensure the resilience and integrity of the systems and, in a broader sense, of the data processed. The personal data provided is used primarily for testing where this cannot reasonably be done using anonymized data at an economically justifiable cost, with data security being ensured throughout in accordance with Art. 32 GDPR.
- administering, operating, maintaining and improving the website
- personalizing the content and services offered on the website according to your personal preferences
- analyzing customer behavior
- responding to questions and comments
- communicating on various matters (such as security notices, support and administrative messages, etc.)
3. Compliance with legal obligations:
UNIQA is subject to legal obligations, such as regulatory requirements, advisory obligations, sanctions-related obligations and tax or corporate law requirements. In order to fulfil these obligations, we process your personal data in accordance with Art. 6 para. 1 lit. c GDPR exclusively to the extent required by the respective law. Where applicable, UNIQA also processes your personal data in accordance with Art. 6 para. 1 lit. e GDPR for the performance of a task carried out in the public interest.
Before collecting, processing and using your personal data, UNIQA will ask for your consent where this is legally required. UNIQA will also inform you appropriately in advance of any new or different purpose for processing your personal data where required by law.
UNIQA also ensures that access to your personal data is restricted to a limited group of persons within the scope of their duties and activities.
D. Types and Categories of Your Personal Data
In addition to the information you voluntarily provide (completing an online form, sending an e-mail, creating a login account, etc.), UNIQA also collects, processes and uses data actively collected in connection with your use of the website. It is therefore not possible to provide a comprehensive list of all types and categories of your personal data that UNIQA may collect, process and use. Your personal data generally includes the following types and categories:
- name, title and address
- personal contact details (telephone, e-mail, etc.)
- details of and your function within the company you represent (name, address, department, contact details, etc.)
- all relevant information about your computer and connection (IP address, operating system, browser type, browser version, browser configuration, name of internet service provider, etc.) to enable connection to and use of the website and data exchange
- all relevant information about the websites (URL, IP address, etc.) from which you accessed or were redirected to UNIQA’s website, as well as the date and time
- all subpages and links tracked (URL clickstream) during your visit to UNIQA’s website, as well as the date and time
- all enquiries and messages sent, as well as orders
- history of all open and completed enquiries, orders and transactions
- search terms entered and products and services viewed on UNIQA’s website
- all information collected through cookies or similar technologies
- logins to your account, etc.
- all consents and authorisations granted
- all information entered or uploaded by you on UNIQA’s website (e.g. online form, etc.).
E. Recipients and Transfer of Your Personal Data
Data transfers within the UNIQA Group: UNIQA is a European organisation. Your personal data may therefore be stored and processed outside your home country. Within the Group, UNIQA may transfer your personal data to the head office in Austria for central administration and also to the Group Service Center in Slovakia. UNIQA transfers your personal data to a third country within the Group without an adequacy decision of the European Commission only in exceptional cases. In such cases, UNIQA ensures appropriate data processing through an Intercompany Agreement based on the GDPR or the new Swiss Data Protection Act (revDSG), or through other appropriate data protection safeguards (such as EU Standard Contractual Clauses).
MGA (Managing General Agent): As part of the cooperation with MGAs, personal data is exchanged, in particular for the performance of contracts, compliance with legal or regulatory obligations, or based on legitimate interests. Only the data required for the respective purpose is processed. Both parties take appropriate technical and organisational measures in accordance with Art. 32 GDPR to ensure the security of personal data.
Where personal data is transferred to recipients outside the EU or the European Economic Area (EEA), this is done only in compliance with the requirements of Art. 44–46 GDPR, in particular based on an adequacy decision by the European Commission or appropriate safeguards such as EU Standard Contractual Clauses.
Reinsurers: Where applicable, we reinsure the risks assumed by us with specialised insurance companies (reinsurers). In some cases, these reinsurers themselves use further reinsurers to achieve additional risk diversification. For this purpose, it may be necessary to send them your contract and claims data. This is necessary so that the reinsurer can independently assess the risk or insured event. It is also possible that, due to its particular expertise, the reinsurer supports us in assessing procedural processes. Within the scope of their reinsurance activity, reinsurers are responsible for their own data processing. We only disclose your personal data where this is necessary and proportionate for the performance of your contract or to safeguard our legitimate interests.
Insurance Intermediaries: If your insurance relationship with UNIQA is concluded through an insurance agent or insurance broker and adviser in insurance matters and/or an insurance agent or broker and adviser in insurance matters services your insurance contract with UNIQA, the insurance intermediary collects your personal data and forwards to us the data necessary to assess your insurance risk and to conclude or perform the respective contract. We likewise provide the intermediary with your personal data to the extent required for your support.
External Service Providers: We comply with legal and contractual obligations. For this purpose, we work with external service providers (processors) and transfer your personal data to them to the extent necessary for preparing and processing the proposal and providing services. Our processors include, in particular IT-service providers, companies involved in preparing and processing the proposal, service providers and disposal companies that dispose of our business documents in compliance with data protection requirements. These external service providers process your data on our behalf and in accordance with our instructions. Appointed third parties process the data only for the purpose for which the data was originally collected or where another legal basis exists. UNIQA ensures that the relevant data protection provisions and data security standards are maintained and that confidentiality and, where applicable, secrecy is always observed when processing the data.
Courts and Authorities: Any request to disclose your personal data to authorities is handled in strict compliance with the applicable legal provisions.
Without your express consent, UNIQA will neither trade in nor disclose, transfer or otherwise share your personal data.
F. Retention Period for Your Personal Data
As soon as UNIQA no longer needs your personal data for the purposes described above, it will delete it unless further statutory retention periods apply.
Personal data relating to insurance contracts is generally stored for the duration of the contractual relationship and thereafter for the duration of statutory retention and limitation periods. Unless longer statutory retention obligations or legitimate interests requiring protection apply, contract- related documents are deleted or anonymised no later than ten years after termination of the insurance contract. The settlement of claims and benefit cases after termination of the insurance contract extends the retention periods to be observed by ten years from settlement, as the limitation period begins to run anew in this respect.
G. Options Available to Protect Your Personal Data
You have several options available to protect your personal data that UNIQA collects, processes and uses about you. Some of these options are:
- You may choose not to provide certain personal data, in particular where UNIQA asks you to consent to the collection of this information
- You may withdraw consent previously given for the processing of your data at any time with effect for the future
- hen registering, you may choose which personal data you wish to provide to UNIQA
- You may request information as to whether and which personal data UNIQA collects, processes and uses about you
- You may request correction of inaccurate personal data at any time
- You may request deletion of your personal data, provided that the processing of this data is based on your consent
- You may request restriction of the processing of your personal data or object to the processing
- You may request data portability
If you wish to exercise your right to lodge a complaint with UNIQA, please contact the Data Protection Authority of Liechtenstein as our competent supervisory authority: http://www.llv.li/#/1758
H. Use of Cookies and Similar Technologies
The general purpose of cookies is to improve the performance and use of the website. Cookies may also be used for advertising purposes. UNIQA uses the following types of cookies or similar technologies in connection with its website:
- Matomo (analytics cookies that support us in collecting general data on website use and interaction in order to analyse and improve the use of our website).
You can change your cookie settings in your browser at any time or completely refuse the acceptance of cookies and thereby restrict the disclosure of your personal data. Please note, however, that in this case you may not be able to benefit from some functions and features of the website.
A detailed explanation of cookies and how they work can be found on the All About Cookies website: http://www.allaboutcookies.org/
Information on Matomo’s terms of use and privacy policy is available at: https://matomo.org/privacy-policy/
I. Changes to the Privacy Policy
UNIQA’s business activities are subject to ongoing changes, which is why this Privacy Policy is amended from time to time. In such cases, UNIQA publishes an updated Privacy Policy with a new version date in the last line. By continuing to use the websites, UNIQA assumes that you accept this new version.
J. Contact
We always welcome your feedback.
If you have any questions or comments regarding our privacy practices or your personal data held by UNIQA, please contact the Data Protection Officer: datenschutz@uniqa.li
Last updated on 12.08.2026