Health insurance for stays of up to 6 months in Austria.

If you plan to travel to Austria, it is important to have a valid travel health insurance that covers a variety of health issues. This insurance must be valid in Austria and should provide coverage of at least EUR 30,000, including possible recovery and repatriation costs, as well as treatment costs for COVID-19.

Health insurance for stays for more than 6 months

Third-country nationals are required to provide proof of having “health insurance covering all risks” to obtain a residence title. While travel health insurance is sufficient for the initial period, it must be replaced with a comprehensive health insurance policy after entry.

If you have a valid national health insurance in a country that has a social insurance agreement with Austria, you may bring an A4 form from your health insurance provider and exchange it for a confirmation of insurance at the competent Austrian national health insurance provider. This will allow you to receive medical treatment by doctors and in hospitals in Austria and can be presented to the residence authority.

If you are a degree programme student or non-degree programme student at a university or university of applied sciences, you can fulfil the requirement of a “health insurance covering all risks” by taking out student insurance with the Österreichische Gesundheitskasse after entering Austria and enrolling at the higher education institution. The monthly insurance premium for this is EUR 66.79 [as of 2023].

Private Health Insurance in Austria: Benefits and Coverage Offered by Care Austria

You have the option to buy private health insurance from insurance providers like Care Austria by Care Concept AG. The benefits offered by this insurance closely match those provided by the national health insurance without any significant differences. Furthermore, the policy does not have waiting periods, cost caps, or exclusions for specific risks, and provides coverage for medical treatment in Austria directly. The Care Austria insurance plan is officially acknowledged by the residence authorities as a “health insurance covering all risks,” and it automatically provides a written statement, along with the insurance policy, confirming its adherence to these requirements. see a summery of the benefits