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Health insurance

This English translation exclusively serves informational purposes. Solely the German version is binding.
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Quickly explained

What is private health insurance?

Private health insurance is a voluntary extension of statutory health insurance. It covers services that are not covered, or only partially covered, by statutory health insurance (ÖGK, BVAEB, SVS). It provides easier and faster access to optimal medical care and greater comfort – whether for private doctor services or during a hospital stay.
OUR Products

Allianz health insurance products

Special class insurance

Enjoy free choice of doctor and hospital and the best possible medical care with increased comfort during your hospital stay.

Outpatient medical treatment

Often faster appointment scheduling with private doctors and therapists. We cover the costs, including medication, vision aids, and much more.

Daily allowance insurance

Whether due to illness, accident or childbirth, in Austria or abroad - secure a fixed amount per day for inpatient medical treatment in hospital.
Your benefits

Why private health insurance?

You have the choice

You have the choice of treatment in your preferred (private) hospital by doctors of your choice.

Financial security

The best possible medical care without worries about high treatment and surgery costs.

More comfort in the special class

Quiet single or double rooms, flexible meal selection and individual care.

Short waiting times

Shorter waiting times for surgery appointments – for a faster recovery.

Premium advantage for early entry

The earlier you take out the insurance, the cheaper your premium will be.

The plus for your health

We take care of direct billing with the contract hospitals

How much does supplemental health insurance cost?

Mann berechnet Krankenversicherung am Laptop
The cost of private supplemental health insurance can vary significantly, as personal factors and individual needs play a crucial role. Allianz offers a range of packages tailored to different life situations to provide you with suitable private supplemental health insurance.
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Special class insurance
Enjoy the best possible comfort during your hospital stay. Choose your preferred hospital and be treated by the doctors you trust.
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Private doctor insurance
You have complete freedom in choosing your doctors and therapists. We cover treatment costs, prescription fees, and much more.
•
Daily allowance insurance
Whether due to illness, accident or childbirth in Austria or abroad - secure a fixed amount per day for inpatient medical treatment in hospital.

Is it possible to take out private supplementary health insurance without a health check?

A health check is mandatory for taking out private supplemental health insurance. At Allianz Insurance, the health questions vary depending on the age of the person to be insured.
Eine medizinische Person hilft einer Dame

What options are available for people with pre-existing conditions to take out supplementary health insurance?

As part of a health check, pre-existing conditions are individually assessed. The result can range from acceptance without restrictions to premium surcharges, exclusions, or even rejection of the application.
Additional

Other products for preventative healthcare

My Digital Doc

Check symptoms with the telemedicine chat assistant or chat with licensed doctors about your complaints – accessible via Telegram, WhatsApp & Secure Web.
Prerequisite: a private physician package
Find out more

My mental power

Mental strength through anonymous online counseling with experienced psychologists. Via video, audio, or chat – no waiting times and conveniently from home.
Prerequisite: Private consultation with a psychologist (additional fee applies)
Find out more

My health check

Comprehensive care – preventative check-ups with a follow-up consultation and personalized nutritional advice from experts.
Prerequisite: Private Class Max
Find out more

My energy charge

Enjoy attractive services regularly – whether relaxation in the spa or active recovery through sports. Choose individually for more energy and well-being!
Optional in combination with a premium room package or a private doctor package
Find out more
Good to know

Frequently asked questions about health insurance
SUBMIT INVOICE

Step by step to submission - this is how it works!

1: Settlement of the invoice

After visiting a doctor or receiving health care (e.g. physiotherapy), please settle the invoice and copy or photograph it together with the prescription or referral.

2: Submission to the statutory health insurance fund

Submit receipts to the statutory health insurance company. You will receive a written notification.

3: Submission to Allianz

After receiving the notification, submit the invoice via the customer portal or the "My Allianz - Austria" app. You will need:

✓ the statement from your statutory health or health insurance fund
✓ the invoice or fee note for the service utilised
Note: Since 1 July 2024, elective doctors are legally obliged to submit invoices paid by patients directly to the Austrian Health Insurance Fund (ÖGK), which saves you as a patient the effort of manual submission. If you expressly agree to this, elective doctors will send your invoices electronically to the ÖGK, you will automatically receive a refund and can submit the ÖGK invoice directly to us via the Allianz customer portal. As a rule, you will receive up to 100% of your invoice amount back (except in the dental and jaw area). Elective doctors may be exempt from this rule. You should therefore enquire about this possibility with your elective doctor. In this case, however, you still have the option of submitting your invoice to the statutory health insurance fund yourself.

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