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.

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.

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?

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.

Special class insurance for hospital stays

PRODUCT OVERVIEW

Our packages in comparison

Full coverage

	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.

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Treatment and surgery costs following an accident, for defined serious or all illnesses, and pregnancy and childbirth – depending on the chosen package

For accommodation in a special class or private hospital – in a single or double room

Additional services such as short-term allowance, accompanying person costs, patient transport, etc.

Cosmetic and prophylactic surgeries - under certain conditions and prerequisites

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

Austria and Europe-wide cost guarantee

No excess for Comfort and Max packages

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.

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.

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COMFORT

EXTRA

MAX

Special class in hospital: costs per day

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