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
  • The insurance plan cannot be cancelled by the insurance company
  • Designed for persons who already have public healthcare in Austria
  • 4 different plans available
  • Provided by Merkur Versicherung AG, 8010 Graz

INSURANCE PLAN OVERVIEW

 STARTSMARTBESTOPTIMUM
special class in-patient treatment in private hospitals and public hospitals
level of cover100%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)
private roomprivate roomprivate room
deductible in case of accidents, maternityno deductibleno deductibleno deductibleno deductible
deductible in case of illness€ 0.- for 4 days.
after 5 days: € 590.- in Vienna+abroad.
€ 200.- in other parts of Austria.
€ 0.- for 4 days.
after 5 days: € 590.- in Vienna+abroad.
€ 200.- in other parts of Austria.
€ 0.- for 4 days.
after 5 days: € 590.- in Vienna+abroad.
€ 200.- in other parts of Austria.
€ 0.- for 4 days.
after 5 days: € 590.- in Vienna+abroad.
€ 200.- in other parts of Austria.
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
private out-patient medical treatment
level of cover€ 2,000 per year€ 2,000 per year€ 4,000 per year€ 6,000 per year
alternative medicine provided by physicians
sublimit for medically prescribed adjuvants€ 300 per year (adjuvants, medicines, physical therapy, midwives, alternative medicine)€ 300 per year (adjuvants, medicines, physical therapy, midwives, alternative medicine)€ 600 per year (adjuvants, medicines, physical therapy, midwives, alternative medicine)€ 600
sublimit for medically prescribed medicines€ 600
sublimit for medically prescribed: physical therapy / midwives / alternative medicine / massages€ 600
Ego4You / Fit4Life-
Change to a higher insurance plan without any new health questions up to the age of 60-

ALSO INCLUDED IN ALL INSURANCE PLANS:

Our insurance plans offer great value for money and will include the following cover for free:

Type of cover 
Ego4You / 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
not included in "Start"
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

age / insurance premium per monthSTARTSMARTBESTOPTIMUM
0-19EUR 45.55EUR 51.35EUR 55.17EUR 68.64
25EUR 142.89EUR 165.50EUR 175.32EUR 197.39
30EUR 158.62EUR 182.58EUR 193.11EUR 217.15
35EUR 171.22EUR 196.22EUR 207.37EUR 233.03
40EUR 187.27EUR 213.59EUR 225.43EUR 252.73
45EUR 209.59EUR 237.77EUR 250.41EUR 279.45
50EUR 236.00EUR 266.47EUR 279.96EUR 310.71
55EUR 264.68EUR 297.66EUR 311.96EUR 344.30
60EUR 296.23EUR 332.07EUR 347.11EUR 380.84

EGO 4 YOU  /  FIT 4 LIFE BROCHURE

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