Insurance plans for additional cover

For residents and expats in Austria

GET ADDITIONAL COVER FOR YOURSELF AND FOR YOUR FAMILY

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, please see below for a comparison of our insurance plans.

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.

For more information about the differences between public healthcare and private healthcare please click here.

QUICK FACTS

  • lifelong insurance contract with the right of cancellation after 3 years
  • cannot be cancelled by the insurance company
  • designed for persons who already have public healthcare in Austria
  • FIT 4 LIFE included in every insurance plan
  • provided by Merkur Versicherung AG, 8010 Graz

INSURANCE PLAN OVERVIEW

 Plan 0.1Plan 1.1Plan 2.1Plan 3.1Plan 4.1
special class in-patient treatment in private hospitals and public hospitals
level of cover100%100%100%100%100%
cover in case of accidents, in case of illness, surgery, and medically prescribed cosmetic surgery
maternity cover
type of accommodationshared room
(two beds maximum)
shared room
(two beds maximum)
private roomprivate roomprivate room
deductible in case of accidents, maternityno deductibleno deductibleno deductibleno deductibleno deductible
deductible in case of illness€ 0.- for 4 days.
after 5 days: € 740.- in Vienna+abroad.
€ 370.- in other parts of Austria.
€ 0.- for 4 days.
after 5 days: € 740.- in Vienna+abroad.
€ 370.- in other parts of Austria.
€ 0.- for 4 days.
after 5 days: € 740.- in Vienna+abroad.
€ 370.- in other parts of Austria.
€ 0.- for 4 days.
after 5 days: € 740.- in Vienna+abroad.
€ 370.- in other parts of Austria.
€ 0.-
out-patient surgery
accompanying costs for insured persons 17 and under
helicopter transportation costs in case of accidents and life threatening illness€ 3,650€ 3,650€ 3,650€ 3,650€ 3,650
private out-patient medical treatment-
level of cover-€ 1,932 per year€ 2,927 per year€ 5,853 per year€ 11,706 per year
alternative medicine provided by physicians-
sublimit for medically prescribed adjuvants--€ 587 per year (adjuvants, medicines, physical therapy, midwives, alternative medicine)€ 587€ 587
sublimit for medically prescribed medicines--€ 587€ 587
sublimit for medically prescribed: physical therapy / midwives / alternative medicine / massages--€ 587€ 587

INCLUDED IN ALL INSURANCE PLANS:

Our insurance plans offer great value for money. Insurance plan 0.1, 1.1, 2.1, 3.1, and 4.1 will always include the following cover for free:

Type of coverIncluded in Plan 0.1, 1.1, 2.1, 3.1, and 4.1
FIT 4 LIFE:
Up to 6 months of gym memberships OR free 5***** hotel accommodation (up to 4 days), and much more.

Available from day 1 of your insurance plan and then once every two years.


SEE below for more information
Cover in Europe in public hospitals
Worldwide cover in private hospitals while travelling up to 4 weeks€ 150,000
Worldwide cover for out-patient treatment while travelling up to 4 weeks€ 15,000
Treatments in specialized hospitals worldwide in case treatment is not possible in Austria
Emergency transport to Austria
Hightech check-up once a year
Second opinion
change to a higher insurance plan without new health questions

INSURANCE PREMIUM OVERVIEW

Click the PDF below to learn more about health insurance premiums per month / per person.

click for details
FIT 4 LIFE will be included in your insurance plan. Find out more:

FIT 4 LIFE BROCHURE

click for details
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