Austria prides itself on being one of the most advanced health systems in the world, but wait, is it better than Germany or America?
With a strong focus on accessibility and quality, the Austrian healthcare system ensures that its citizens and residents have access to a wide range of medical services. Understanding health insurance requirements and coverage options in Austria is essential for anyone living in the country.
In this article, we will delve into the intricacies of Austria's healthcare system and the types of health insurance available and what it covers.
Who needs health insurance in Austria?
In Austria, health insurance is mandatory for all residents. Whether you are an employee, self-employed, student, retiree, EU/EFTA citizen or visitor, having health insurance is a legal requirement. Not having health insurance can lead to serious consequences, including fines and limited access to medical services.
Health insurance in Austria is mandatory
If you are not covered by health insurance in Austria, you will have to pay for medical treatment out of pocket. This includes doctor visits, hospital stays, and prescription medications. Additionally, not having health insurance can lead to limited access to medical professionals and longer wait times for non-urgent procedures.
Public health insurance in Austria
الموظفون
If you are employed in Austria, you are automatically registered in the public health insurance system. Health insurance contributions are deducted directly from your paycheck, with both employer and employee sharing the cost.
Health insurance for the self-employed
Self-employed individuals must also have public health insurance. They are responsible for paying the full cost of insurance themselves, with copayments based on their income.
Health insurance for spouses and children
Spouses and children of insured individuals are covered under their policy. However, each family member must be registered separately.
Health insurance for students
Students under the age of 27 who are enrolled at an Austrian educational institution are generally covered by their parents' health insurance. If parents are not insured in Austria, students can apply for student health insurance at a discounted price.
Retired and non-employed
Retirees and non-working individuals are covered by the public health insurance system. Contributions are based on income or pension.
EU citizens
EU/EFTA citizens who work or are self-employed in Austria have access to the public health insurance system. They must register with an Austrian insurance company and contribute accordingly.
Visitors and tourists for short periods
Visitors from outside the European Union must have travel insurance that covers medical expenses in Austria.
What does public health insurance cover in Austria?
Public health insurance in Austria provides comprehensive coverage for a wide range of medical services. Here are some of the key areas covered:
Doctors and medical professionals
General health insurance covers consultations with general practitioners, medical specialists and other healthcare professionals.
Hospital visits
In the event of hospitalization, public health insurance covers the costs of treatment, surgery and accommodation.
Urgent and rapid treatment
Emergency medical treatment is fully covered by public health insurance, ensuring immediate care in critical cases.
Prescriptions and medications
Prescription drugs are partially covered by health insurance, and patients are responsible for a small copayment.
Mental health care
Public health insurance covers mental health services, including consultations with psychiatrists and psychologists.
Maternity care – childbirth in Austria
Pregnant women can receive comprehensive prenatal, delivery, and postnatal care through public health insurance.
Dental care: Public health insurance covers basic dental care, such as checkups and some treatments. However, additional services may require additional dental insurance.
Eye care:
Public health insurance covers regular eye examinations and partly covers the cost of eyeglasses or contact lenses.
Sexual health:
Public health insurance covers sexually transmitted infection (STI) screening, contraception, and related treatments.
Vaccinations:
The vaccinations recommended in the Austrian vaccination schedule are fully covered by public health insurance.
Alternative and complementary therapies:
Some alternative and complementary therapies, such as acupuncture, may be covered by public health insurance.
Treatment abroad:
In some cases, public health insurance covers the cost of treatment abroad if it is not available or delayed in Austria.
How to apply for public health insurance in Austria
To apply for public health insurance in Austria, you can choose from several insurance companies. It is advisable to research and compare different policies to find the one that best suits your needs. Once you have chosen an insurance company, you can visit their office or apply online. During the application process, you may be asked to provide proof of identity, proof of residence and other relevant documents.
Public health insurance policies in Austria often offer add-ons, such as supplementary dental coverage or private hospital coverage. These additional services come at an additional cost but provide enhanced coverage beyond standard general insurance.
Private health insurance in Austria
Who should get private health insurance in Austria?
While public health insurance offers comprehensive coverage, some individuals may choose to supplement their coverage with private health insurance. This is especially common among individuals who want faster access to specialists or prefer a wider range of treatment options.
Advantages of obtaining private health insurance coverage in Austria
Private health insurance in Austria often offers benefits such as faster appointment scheduling, access to private hospitals and specialist clinics, and more comprehensive coverage for elective treatments and procedures.
How does private health insurance work?
Private health insurance policies in Austria vary depending on the provider and coverage chosen. Premiums typically depend on factors such as age, health history, and the scope of coverage desired. Private health insurance policies often have specific terms and conditions, including waiting periods for some treatments.
Submit an insurance claim
When receiving medical treatment, policyholders must pay the health care provider directly. They can then submit a claim to the private insurance company for compensation. The reimbursement process may include providing medical records, invoices, and other relevant documentation.
The best health insurance company in Austria
There are several reputable health insurance companies in Austria, including Wiener Städtische, UNIQA, and Generali. The best choice of insurance company depends on individual needs and preferences. It is advisable to research and compare different providers to find the one that offers the most suitable cover for your specific requirements.
Insurance costs in Austria and refunds
The cost of health insurance in Austria varies depending on factors such as income, age and the coverage chosen. Public health insurance contributions are based on a percentage of income, with both employee and employer sharing the cost. Private health insurance premiums are determined by the insurance company and level of coverage.
In some cases, individuals may be eligible for health insurance reimbursement through tax credits or other government programs. It is important to consult with a tax advisor or relevant authorities to explore available options.
Health insurance for the unemployed in Austria
The public health insurance system covers unemployed people in Austria. The costs are usually covered by the Public Employment Service (AMS) or other social security agencies. It is important to register with the relevant authorities to ensure continued coverage during periods of unemployment.
In conclusion, Austria's healthcare system is distinguished by its universal coverage and accessibility. Public health insurance is compulsory for all residents and offers a wide range of medical services. Private health insurance provides additional options and faster access to specialized care. By understanding the requirements, coverage options, and application processes for health insurance in Austria, individuals can ensure they receive the necessary coverage for their health needs.
Health insurance websites in Austria
certainly! Below is a table listing some health insurance companies in Austria and their websites:
| Health insurance company | Website |
|---|---|
| Vienna city table | https://www.wienerstaedtische.at/ |
| UNIQA | https://www.uniqa.at/ |
| Österreichische Beamten | https://www.bvaeb.at/ |
| Insurance | |
| SVA (Sozialversicherung | https://www.svagw.at/ |
| der gewerblichen Wirtschaft) | |
| VAEB (Versicherungsanstalt | |
| for Eisenbahnen and Bergbau) | |
| KFA (Krankenfürsorgeanstalt) | https://www.kfa.at/ |
Please note that this is not an exhaustive list, and there may be other health insurance companies available in Austria. It is always a good idea to research and compare different providers to find the one that best suits your specific needs and requirements.
