Austria — Healthcare: Private Insurance

Why this matters

Private health insurance in Austria can offer additional benefits and flexibility to those who cannot or prefer not to rely on the public healthcare system.

Key facts

• Third-country nationals generally need health insurance that covers all risks and is valid in Austria; compulsory insurance through employment is sufficient, as is private insurance matching statutory cover.
• Travel health insurance alone does not meet the requirement.
• Compulsory insurance covers almost all in paid employment, most self-employed persons, unemployment beneficiaries, pensioners and dependants.
• ÖGK-insured persons receive an e-card with a European Health Insurance Card on the back; insured persons pay an annual service fee.

Steps

1. Choosing a Private Health Insurance Plan — Relocating individuals should research and compare different private health insurance providers in Austria, considering factors such as policy coverage, premiums, and network of healthcare providers.