What is private health insurance?

With private supplementary health insurance, the costs of treatment by elective doctors, inpatient treatment in a private hospital or accommodation in a special class are covered as agreed.

How much does private health insurance cost in Austria?

The amount of the premium for your health insurance essentially depends on your desired scope of benefits, your age, your federal state of residence and your state of health. You can also take advantage of a combined discount if you take out elective doctor and special class insurance at the same time.

What health insurance options are there?

In Austria, there is a statutory health insurance scheme and various private health insurance schemes. The difference between statutory and private health insurance is that the former is compulsory for those in employment above the marginal earnings threshold and private health insurance can be taken out voluntarily. With private health insurance, you can choose from different benefits to cover your individual needs.

What services are included in statutory health insurance?

All persons employed in Austria above the marginal earnings threshold are subject to compulsory social insurance. The costs of treatment by panel doctors and care in public hospitals, outpatient clinics and rehabilitation centres are covered by social insurance. You can obtain more detailed information on the respective health insurance benefits from your social insurance provider. Costs incurred for treatment by elective doctors without a health insurance contract and for hospitalisation in a special class or a private hospital are not covered and must be paid privately.

What does private health insurance cover?

With private health insurance, you receive additional cover that goes beyond the scope of benefits provided by statutory health insurance. You can choose from different packages. The most important and most popular benefits of private health insurance include free choice of doctor, free choice of hospital (private hospital or special class) and, as experience shows, shorter waiting times for treatment and operations.

How can I cancel private health insurance?

You can cancel the contract at the end of the 3rd insurance year with a notice period of three months. Thereafter, you can cancel the contract annually on the main due date with a notice period of three months.

Health insurance

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

Often shorter waiting times for doctor's appointments and examinations, and coverage of costs with private health insurance

Increased comfort during a hospital stay with private health insurance for the special class

Financial support during hospital stays with daily allowance insurance

Special class insurance

Enjoy the best possible comfort during your hospital stay. Choose your preferred hospital and be treated by the doctors you trust.

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.

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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