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Why private medical insurance? 

Freie Arztwahl
Free choice of doctor and
assumption of costs

Treatment by private or elective doctors you trust

Prämienvorteil
Premium advantage for
early entry

The earlier the insurance is taken out,
the lower the premium

Medizinische Behandlungen
Medical treatments & therapy

Depending on the package, physiotherapy and psychotherapy as well as alternative medicine included

Kurze Wartezeiten
Short waiting times

Shorter waiting times for treatment
appointments for a speedy recovery

Ganzheitliche Genesung
Holistic recovery

Additional assumption of costs for
medicines and medical aids

Das Plus zur gesetzlichen Versicherung
The plus to statutory insurance

Enjoy the benefits of elective doctor insurance & don't think about the costs
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PRODUCT OVERVIEW

Our packages in comparison

ADDITIONAL PRODUCTS

Further products for healthcare insurance

Icon Sonderklasse-Versicherung
Special class

Enjoy the best possible medical care and the greatest possible comfort during a stay in hospital. Choose your own team of doctors and the (private) hospital you trust.
Special class

Mein Taggeld
Daily hospital allowance

With daily allowance insurance, you receive a fixed daily rate for every day you have to spend in hospital - worldwide! Abroad, in the event of an accident or a stay in a day clinic, your daily allowance is even doubled.
Daily hospital allowance

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Your central one-stop shop for insurance matters:

  • All information on contracts, premiums and documents
  • Report a claim and view the status
  • Get in contact with us
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When does private medical insurance make sense?

Elective doctor insurance makes sense if you want to choose your doctor or therapist freely and flexibly without having to think about the cost of treatment. You receive personalised and comprehensive medical advice as well as holistic treatments - from physical to mental health, depending on the insurance package you choose.

We will cover the costs

The following services may be included depending on the package selected:

  • Treatment by your doctor of choice
  • Holistic and alternative medical treatments
  • Medical massages, speech therapy, physiotherapy, occupational therapy and psychotherapy
  • Glasses, contact lenses and orthopaedic insoles
  • Medication, prescription fees
  • Vaccinations and travel immunisations
useful description of image if informative and not decoration only.

Our product highlights

  • Comprehensive dental health incl. orthodontic treatment, dental benefits (also without special class insurance)
  • Cost coverage for vaccinations - incl. travel vaccinations
  • My digital doc: medical advice conveniently via smartphone
  • Online psychological counselling - with Meine Mentalkraft
  •  
  • Submit receipts directly online in the customer portal or via My Allianz - Austria app.

Icon fuer Wahlarzt Kosten
Private doctor costs

As elective doctors set their own fees, it is difficult to determine a generalised cost. In general, the cost of a visit to an elective general practitioner is between 80 and 120 euros, while an appointment with a specialist (such as an orthopaedist, dermatologist or cardiologist) costs between 150 and 200 euros. (last update 05.2024) If you see an elective doctor without private health insurance, you will have to pay the full cost of treatment yourself.

After payment, you can submit an application for reimbursement to your statutory health insurance company. Usually around 10-20% of the invoice amount is reimbursed.

Private health insurance, on the other hand, covers up to 100% of the costs.

Costs of private medical insurance

Allianz offers three elective doctor packages, customised to your needs. The premium depends on the scope of benefits, age and state of health. You can also take advantage of a combined discount if you take out special class insurance at the same time.

Case study of private medical insurance

Martha M., 34 years old, bank employee, resident in Burgenland, reads more and more about the shortage of specialists in the public sector in Austria and also knows from her own experience that she often has to wait many weeks or months for medical appointments. She therefore decides to take out elective doctor insurance with Allianz. Due to her sedentary job, it is important to her that physiotherapy is included in the insurance benefits, which is why she opts for the Extra package.

Monthly premium for Elective Doctor Extra: € 100.02. The premium amount is determined by a health check with several questions about the insured person's lifestyle. It is essentially based on your desired scope of benefits, your age and your state of health.
(Comfort: € 45.46 / Max: € 144.01)

If Martha also takes out special class insurance at the same time, her premium is reduced to: € 80.02

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Frequently asked questions about
private medical insurance

Elective doctors are doctors in private practice who do not have a health insurance contract, which means that patients have to pay the treatment costs themselves. Part of the costs can be reimbursed by the statutory health insurance fund.
With private supplementary insurance, the costs incurred for visits to elective doctors are covered up to the agreed amount. This form of outpatient health insurance gives you a free choice of doctor and short waiting times.
Allianz offers you three different elective doctor packages so that you can customise the benefits you require to suit your personal needs. The amount of the premium for your elective doctor insurance essentially depends on your desired scope of benefits, your age and your state of health. You can also take advantage of a combined discount if you take out special class insurance at the same time.
Request a quote now
Once you have submitted your invoice to your health insurance company, you will generally receive 100% of the remaining costs in the case of partial reimbursement by the statutory health insurance and 80% reimbursement in all other cases. For dental treatment and dental health services, you will be reimbursed 60%.

Versicherungs­bedingungen und Dokumente

You can find further documentation on our products in the  Download Center.

SUBMIT INVOICE

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

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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.

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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2: Submission to your social health insurance fund

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

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

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(extended health check-up)

such as smoking cessation measures, measures for medically recommended weight reduction including nutritional counselling, etc.

Counselling and support from a midwife; pregnancy gymnastics, pregnancy yoga and postnatal gymnastics

Instahelp is our partner for mental health. Find out more about online psychological counselling under My mental strength.

Angebote in den Bereichen Wellness, Fitness, Balance

The premium amount is determined by a health check with several questions about the insured person's lifestyle. It is essentially based on your desired scope of benefits, your age and your state of health.

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.