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.

Inpatient medical treatment

Private hospital insurance

Q: What is meant by 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.

Q: How much does special class insurance cost?

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.

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

The highest possible level of comfort during inpatient hospital treatment

Free choice of doctor and hospital

Single or twin room

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Quickly explained

What is special class insurance?

Private hospital insurance is a supplementary private insurance policy that offers you greater comfort and additional options in the event of a hospital stay. It provides peace and privacy in single or double rooms, more intensive care, sometimes a more flexible choice of meals, and often also the right to have a say in the choice of doctor and hospital – and covers the associated additional costs.

Your advantages

Why Private hospital insurance?

Free choice for your health

Treatment in your preferred (private) hospital by doctors of your choice.

Financial security

High-quality medical care without worries about additional treatment and surgery costs.

More comfort

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

Short waiting times

Often faster surgery dates for a quicker recovery.

Bonus for early entry

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

Direct billing by Allianz

We handle the direct billing with our contracted hospitals.

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Service overview

A comparison of our special class insurance packages

	Special class package COMFORT	Special class package EXTRA	Special class package MAX

Insurance cover after accidents	included	included	included

Insurance cover for defined serious illnesses* Insurance cover for serious illnesses ends on the main due date of the year in which you reach the age of 45 if the policyholder objects to the automatic activation of the Extra package.	included	included	included

Other insurance benefits such as short-term subsidy / rehabilitation Replacement daily allowance, accompanying person costs, patient transport and rescue costs	inkludiert	included	included

Cost guarantee Austria and European guarantee	inkludiert	included	included

Insurance cover for all illnesses	not included	inkludiert	included

Insurance cover for pregnancy and childbirth	not included	included	included

Baby bonus and maternity allowance	not included	included	included

Insurance cover for cosmetic surgery and prophylactic surgery** Only after prior agreement in written form.	not included	included	included

Other insurance benefits such as a second medical opinion Lump sum for malignant neoplasm, psychological counselling for certain diagnoses, palliative daily allowance	not included	included	included

Worldwide cost guarantee	not included	included	included

Double room	included without deductible	included with deductible	included without deductible

Single room	not included	included with deductible	included without deductible

My pension check Special health promotion and prevention e.g. medical genetic analysis; quantum physical whole body measurement; holistic microbiological intestinal analysis; health check-up for cardiovascular health, detoxification, immune status, stressors etc.; vitality check-up for children and intestinal check-up for infants and newborns	not included	not included	included

Accompanying person in the family room: For pregnancy, miscarriage and childbirth	not included	not included	included

Midwife of choice for childbirth:	not included	not included	included

Optional covorage

My energy charge Offers in the areas of wellness, fitness, balance	selectable	selectable	selectable

My travel assistance	selectable	selectable	selectable

Premiums Bonus 65	not selectable	selectable	selectable

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* Critical illness coverage ends on the renewal date of the year in which you turn 45 if the policyholder objects to the automatic activation of the Extra package.

** Only under certain conditions and requirements.

Flexibility for the future

What you should know about our Comfort Package

The Comfort option allows our customers to easily upgrade to a higher-level package at a later date – without a new health check (possible up to age 45). This option offers maximum flexibility should personal needs change over time. An upgrade to a Special Class Extra or Max package can be activated upon request.

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When is special class insurance a good idea?

A hospital stay usually comes as a surprise. Unfortunately, it often involves high costs. Private hospital insurance protects you against these costs. You also have the freedom to choose your own doctors and (private) hospital.

We will cover these costs

Costs of treatment and surgery following an accident, for specified serious illnesses or all illnesses, and for pregnancy and childbirth – depending on the package chosen

For accommodation in a private ward or a private hospital – in a single or twin room

Additional services such as travel allowances, costs for accompanying persons, patient transport and much more.

Cosmetic and preventive surgery – subject to certain conditions and requirements

Additional insurance benefits such as a second medical opinion, palliative care daily allowance and much more.

Our product highlights

Cost guarantee across Austria and Europe

No excess with the Comfort and Max packages

Modern excess policy for Paket Extra, with no excess payable in many cases

Baby Bonus: Registration of a newborn child without a health check

Premium Bonus 65: 50% reduction in the premium

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Private ward in hospital: cost per day

Patients covered by statutory health insurance are required to pay only a daily contribution towards the cost of a hospital stay in the standard ward; the amount of this contribution varies by federal state (Link Text). For example, in Vienna, the daily contribution averages between €13 and €15. If accommodation in the special ward is also required, these costs must be paid privately unless the patient has private inpatient health insurance. This results in an additional charge for the special ward. The costs of the special ward for self-paying patients vary depending on the services required. For example, is accommodation in a single room desired, or should there be a free choice of doctor? The type of treatment and the necessary examinations also play a major role in calculating the costs incurred. Furthermore, costs vary from hospital to hospital, as the services offered also differ.

Costs for private health insurance

Allianz offers three premium packages tailored to your needs. The premium amount depends on the scope of coverage, your age, health status, social security provider, and state of residence.

From€ 41.11per month

Sonderklasse-versicherung, eine junge Frau liegt im Spital

Nina Schuster - 19 years old - in training

Nina Schuster is 19 years old, lives in Vienna, and is in her first year of training to become a kindergarten teacher. Her work involves daily contact with many people and young children, which means infections and injuries can occur more frequently.
In case of an emergency, Nina wants to ensure prompt admission and treatment at the hospital of her choice – ideally in a quiet environment with shorter waiting times. It is also important to her to be able to directly select specialists for more complex situations without incurring additional costs.

Monthly premium for private health insurance:
Comfort: €41.11 | Extra: €100.92 | Max: €144.94

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From€ 46.63per month with combined discount

Sonderklasse-Versicherung-man liegt im Spital

Alois Berger - 40 years old - Marketing Specialist

Alois Berger is 40 years old and works as a marketing specialist in Graz. He weighs 85 kg and is 180 cm tall. Mr. Berger wants the best possible comfort in the event of hospitalization due to an accident or illness, which is why he decides to take out private health insurance. Since he travels very frequently within Europe, he chooses the Extra package to benefit from the Europe-wide cost guarantee.

Take advantage of the combination discount when you simultaneously take out Link Text.

Monthly premium for private health insurance with combination discount:
Comfort: €46.63 | Extra: €114.48 | Max: €160.33

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A health check is required to take out health insurance. The premium can vary depending on the state of health.

add-on modules

Other health products

You can also take advantage of a combined discount if you take out

Link Text at the same time.

Outpatient medical insurance

Our private medical insurance gives you the freedom to choose your own private doctors and/or therapists and covers the costs of outpatient treatment. Depending on your insurance package, other costs such as medication may also be included.

Go to outpatient medical treatment

My daily allowance

With daily allowance insurance, you receive a fixed daily rate as financial support for each day you spend in hospital. You can use this money flexibly to cover any additional expenses incurred during your recovery.

Go to daily allowance insurance

Good to know

Frequently asked questions about private hospital insurance special class

What is meant by special class?

The special ward is an area in the hospital that offers more comfort and additional choices than the normal (general) ward, which is paid for by statutory health insurance.

Why special class?

You choose the special class if the following aspects are important to you:

Single or double rooms instead of shared rooms

More privacy and peace

Co-determination regarding who provides treatment or surgery

More individualized care

Often more flexible food choices

Faster processes and, based on experience, shorter waiting times.

A private health insurance policy covers the additional costs incurred for accommodation in a private ward, thus making all these points possible.

What does special class cost in hospital?

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.

How much does special class insurance cost?

The cost of special class insurance depends on several factors – including your state of residence, your social security provider, and your age. Allianz offers three benefit packages with varying levels of coverage. There is also a cost-effective entry-level option with the possibility of upgrading to a more comprehensive package later.

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Step by step to reimbursement – here's how it works!

Special class insurance offers you maximum comfort – during your hospital stay, but also when it comes to billing. Allianz handles communication with the hospital and clarifies cost coverage in the form of direct billing.

1.

Inform your hospital that you have Allianz Special Class insurance. You do not need to worry about reimbursement of costs.

2.

The hospital will contact us to clarify your entitlement to coverage of costs.

3.

We will settle the reimbursement of your stay directly with the hospital.

Other claims for which there is no direct billing can be easily reported via our online reporting portal.

File a claim

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Private hospital insurance

How can we help you today?

What is special class insurance?

Why Private hospital insurance?

Free choice for your health

Financial security

More comfort

Short waiting times

Bonus for early entry

Direct billing by Allianz

A comparison of our special class insurance packages

COMFORT

EXTRA

MAX

What you should know about our Comfort Package

My Allianz customer portal

When is special class insurance a good idea?

We will cover these costs

Our product highlights

Private ward in hospital: cost per day

Costs for private health insurance

Nina Schuster - 19 years old - in training

Alois Berger - 40 years old - Marketing Specialist

Other health products

Outpatient medical insurance

My daily allowance

Frequently asked questions about private hospital insurance special class

Step by step to reimbursement – here's how it works!

1.

2.

3.

Customer reviews

Questions about other Allianz products?

Personal. Digital.

Non-binding offer

Report damage online