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inpatient treatment

Private hospital insurance

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

Our packages in comparison

* 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 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.
Mädchen und Ärztin im Spital

We assume these costs:

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
Familie freut sich auf ein kleines Baby

Our product highlights

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.

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

Frequently asked questions about private hospital insurance special class
Our products

Further products for healthcare

Take advantage of the possibility of a combined discount when simultaneously taking out private health insurance.

Private medical insurance

Our elective doctor insurance offers you 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.

Daily hospital allowance

With daily allowance insurance, you receive a fixed daily rate as financial support for each day of your hospital stay. You can use this money flexibly for additional expenses that arise during your recovery.
Submit invoice

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.
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