Private Health Insurance in Austria – introduction

stand-alone or to complement your public health insurance

Doctor’s white coat 👨‍⚕️ with stethoscope and pens.


This section provides information about additional insurance cover for

  • persons who already have public insurance in Austria, but wish to have additional insurance cover    OR
  • persons who do not have public insurance in Austria, but wish to have special class cover rather than basic healthcare.

Private health insurance is highly recommended for expatriates in Austria. It offers special class treatment in public and private hospitals, free choice of physicians for out-patient treatment and many more advantages. The benefits depend on the plan selected. Private health insurance contracts are designed as a “life-long contractual relationship”, so that the insurer is prevented from imposing any limitations and does not have a right to terminate a relationship.

In-Patient treatment (insurance of hospital costs, “special class”)

Insurance policies taken out for private health insurance contain a provision for hospital costs. Under this type of insurance coverage, the costs for staying at the special ward of the hospital in question or in a private hospital, are paid directly to the hospital.

The special ward in Austria includes access to private hospitals, free choice of physician (i.e. for surgery),maximum of 1 or 2 beds per room with TV, internet etc.,reduced waiting times for surgeries, and more equipment, private shower and private bathroom.

Out-patient treatment

This type of insurance may be taken out in connection with an insurance of hospital costs but also separately. The insurer provides access to physicians that have no contractual relationship with the respective public health insurer. In general a great number of top physicians do not have contractual relationship to the public health system. Their surgeries and prescription will not be paid unless you have a private health insurance.

Privately insured persons may take advantage of best possible medical treatment with their free choice of physicians without waiting times (private patients make appointments which are respected),coverage of pharmaceutical products, coverage of glasses, lenses.

Additional benefits

Additional benefits might include things like dental care, a travel insurance, free memberships to gyms or yearly check-ups.


In-patient treatment (in hospital)Private treatmentGeneral treatment
Choice of hospitalPrivate or publicPublic hospitals only
RoomsPrivate room (one bed) or semi-private room (two beds)Up to 8 beds per room or bed on the aisle
PhysiciansChief physician or physician of your choicewhoever is on duty
Waiting times for surgeriesNo waiting timesDays, weeks or months if illness is not life-threatening
In-room equipmentTV, internet access, terrace, private bathroom, private showerShared TV
Visiting hoursUnlimited visiting hoursVisiting hours usually only after lunch
MealsFree choice of mealsNo choice of meals
Out-patient medical treatmentPrivate treatmentGeneral treatment
PhysiciansPhysician of your choice will be paid by the private health insurerPhysicians with contractual relationships only
Medical treatmentBest available: magnetic resonance tomography, computed tomography etc.; no waiting timesTreatment subscribed by social insurance system (cheapest available)
Waiting timesNoneAppointments are not possible and waiting times can be long
Additional benefitsCoverage of pharmaceutical products, glasses, lenses, plaster, crutches…Deductibles need to be paid by patient
Dental caredental plans will include all kinds of treatment (implants, braces, oral hygiene...)Only pain-relieving treatment
Travel insuranceCoverage 100% worldwide for trips abroadNo coverage outside EU. Coverage within EU not sufficient
Other possible benefitsFree memberships to gyms, yearly medical check-ups...-
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