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Why Private hospital insurance? 

Free choice for your health

Treatment in the desired (private) hospital by doctors you trust

Financial security

Best possible healing without worrying about high treatment and surgery costs

More comfort

Quiet single or twin rooms, choice of meals and personalised care

Short waiting times

Shorter waiting times for surgery appointments
for a speedy recovery

Prämienvorteil bei frühem Einstieg

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

Direct billing by Allianz

We take care of direct billing with the contract hospitals
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PRODUCT OVERVIEW

Our packages in comparison

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When does Private hospital insurance special class make sense?

Hospitalisation is usually unexpected. Unfortunately, this is often accompanied by high costs. Special class insurance protects you against these costs. You also have the option of choosing your own doctors and (private) hospital.
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We assume these costs:

  • Necessary treatment and operation costs
  • Additional costs for accommodation in a single or second bed room
  • Additional benefits such as short-term subsidy, accompanying person costs, patient transport and rescue costs, etc.
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Our product highlights

  • Austria and Europe-wide cost guarantee
  • No excess for Comfort and Max packages
  • Modern deductible regulation for Extra package, with waiver in many cases
  • Baby Bonus: Inclusion of a newborn child without a medical examination
  • PremiumBonus 65: reduction of the premium by 50%

Special class in hospital: costs per day

Patients with social insurance only have to pay a cost contribution per day for a stay in hospital in the general fee class; the cost contribution varies depending on the federal state ( as of January 2024). In Vienna, for example, the average cost contribution is between €13 and €15. If accommodation in the special class is also required, these costs must be paid privately if there is no private inpatient health insurance. This results in an additional payment for the special class.

The costs of the special class for self-paying patients vary depending on the desired service. For example, do you want accommodation in a single room or a free choice of doctor? The type of treatment and the necessary examinations also play a major role in calculating the costs incurred. In addition, the costs vary from hospital to hospital, as they also differ in terms of the services offered.

Costs for a private hospital insurance special class

Allianz offers three special class packages, customised to your needs. The amount of 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 elective doctor insurance at the same time.

Case study private hospital insurance

Maximilian M, 38 years old, marketing specialist, resident in Carinthia, attaches particular importance to the highest possible level of comfort and accommodation in a single room in the event of an emergency. It is also important to him to be able to choose the doctor who treats him, so he takes out special class insurance with Allianz and opts for the Extra package.

Monthly premium for Special Class Extra: € 128.65

(Comfort: € 52.40 / Max: € 179.48)

If Maximilian also takes out private medical insurance at the same time, his premium is reduced to: € 122.22.

Explanation of the calculations

The premium amount is determined by a health check with several questions about the insured person's lifestyle and is essentially based on your desired scope of benefits, your age, your state of health, your federal state of residence and your social insurance status.
Request a quote online

Frequently asked questions about private
hospital insurance special class

The special class is a private insurance for inpatient hospitalisation that offers patients first-class medical care with the greatest possible comfort. You have the option of accommodation in the special class of a public hospital or in a private hospital.
Special class insurance gives you a free choice of doctors and private hospital without having to pay the costs yourself. It also aims to make your stay in hospital as comfortable as possible by providing you with accommodation in twin or single rooms, flexible treatment and surgery times and visiting hours.
The costs of a hospital stay in the special class depend on which hospital in which federal state is used and with which social insurance you are compulsorily insured. The total costs are divided into two large blocks. The first block consists of the so-called "house costs". These are the costs that the hospital charges in its own name and are incurred per day of stay. The second block consists of the so-called "fee costs". These include the various doctors' fees. Experience has shown that the total costs for a special class stay for most stays range between 3,500 and 7,000 euros. In individual cases, however, significantly higher amounts may be charged. Special class insurance covers these costs in full with an existing cost guarantee and direct billing in contract hospitals.
Allianz special class insurance offers various packages to provide you with optimum insurance cover. The costs incurred in your case depend on your desired benefits. With the Comfort package, we also offer a low-cost entry-level variant.

Weitere Produkte zur Gesundheitsvorsorge

Private medical insurance

Our elective doctor insurance offers you a free choice of private doctors and/or therapists and covers the costs of outpatient treatment. Depending on the insurance package, other costs such as medication are also included.

Elective doctor insurance

Daily hospital allowance

During an inpatient hospital stay, you receive a daily allowance that is freely available to you. The amount of this daily allowance can be set flexibly. Also included are services such as costs for transport, treatment and rehabilitation.
Daily hospital allowance

Step by step to cost reimbursement - this is how it works!


Special class insurance gives you the greatest possible comfort - during your hospitalisation, but also when it comes to billing. This is because Allianz takes care of communication with the hospital and clarifies the assumption of costs in the form of direct billing.

1.

Inform your hospital that you have Allianz special class insurance and you will not have to worry about the reimbursement of costs.

2.

The hospital will contact us to clarify your entitlement to cost coverage.

3.

We handle the reimbursement of your stay directly with the hospital. 

Other claims for which there is no direct settlement can simply be reported via our online reporting route.
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This English translation exclusively serves informational purposes. Solely the German version is binding.

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