Private health insurance in Austria

For expats in Austria, guests, and travellers


Our health insurance up to 5 years  is designed for guests and expatriates, who wish to have health insurance during their stay in Austria.

Your insurance covers medical treatment for illnesses suffered within the insurance period. Benefits include treatments by a doctor, treatment in hospital, out-patient treatment, medically prescribed medicaments and much more.

For details please see the table below as well as the product information sheet at the bottom of the page.

The insurance plan is available from only € 1.70 € per day. To calculate your quote now, please click here.

If you already have public healthcare in Austria and are looking for additional cover, please visit our section for special class cover.


  • Valid in Austria, other EU Countries, Switzerland and Liechtenstein
  • The scope of the insurance cover complies with EU requirements
  • Health insurance benefits are not limited to a maximum sum insured
  • Insurance plan can be cancelled in case of unexpected early departure of Austria
  • Insurance plan can be cancelled in case you receive public healthcare in Austria
  • Full reimbursement of paid premium in case of early termination of the contract
  • Choice between plan BASIC and PROFI
  • Optional liability, accident, luggage, and emergency insurance


in-patient treatment in multiple-bedded room
transportation to in-patient treatment
out-patient medical treatment
radiation therapy, light therapy, and other physical treatments
medically prescribed medicines and dressings
medically prescribed massages,
medical packages and inhalations

€ 300

medically prescribed adjuvants following an accident
€ 500

medically prescribed adjuvants (not following an accident), if agreed in advance-
up to € 500 per year
screening check-ups for children in accordance with the statuory programmes-
painkilling dental treatment /
restoring function of dentures

up to € 500 per year

up to € 1,000 per year
medically required dentures-
80% up to € 1,250 per year
dental check-ups-
up to € 200 per year
medically necessary pregnancy treatment due to complaints
pregnancy examinations and deliveries-
visual aids: glasses / contact lenses-
up to € 200 per year
medical checkups for early detection of cancer-
up to € 300 per year
repatriation / funeral costs
up to € 10,000

up to € 10,000
deductible per insured event€ 25€ 25


Optional insurance is available for persons who wish to have liability insurance, accident insurance, luggage insurance, and emergency insurance in addition to their health insurance.

Travel liability insurance:

Click for details
Everyday liability risk
€ 1,000,000

€ 2,500,000
Liability claims for damage to rented property per insured event
€ 10,000

€ 25,000
Damage to the household of the host family
€ 10,000

€ 25,000
Deportation costs
€ 1,000

€ 5,000
Loss of keys-
€ 250
Damage to assets-
€ 10,000
Professional liability-
€ 25,000
Bad debt insurance-
€ 10,000
Deductiblenone, except:
damage to rented property and deportation costs: 20%, at least € 50.
For damage to household of host family 10%, at least € 200.
For bad debt insurance 10%, at least € 200

Accident insurance

Click for details
sum insured in the event of disability (progression in the event of disability exceeding 25%€ 20,000€ 60,000
in the event of death€ 10,000€ 20,000
in the event of death for children under the age of 18€ 5,000€ 10,000
rescue costs€ 5,000€ 10,000
costs of cosmetic surgery€ 5,000€ 10,000

Luggage insurance

Click for details
maximum sum insured for each individual event-€ 2,000
limitations for furs, jewellery, items made of precious metals, photographic and film equipment, IT equipment, electronic communication and entertainment systems including accessories-50% of sum insured
glasses, contact lenses, hearing aids, and mobile phones (car phones are not insured), including accessories-€ 250
golf and diving equipment, bicycles including accessories-€ 750
surfboards, windsurfing equipment including accessories--
musical instruments including accessories (if taken on the trip for private purposes)-€ 250
IT equipment and electronic communication and entertainment systems including accessories-€ 250
emergency purchase due to overdue delivery of luggage-€ 500
films, video, sound, and data media-value of the material
deductible per insured event€ 50

Emergency insurance

Click for details
return travel costs to home country in the event of a family member becoming ill-€ 1,000
cancellation of trip or delayed return journey (loan for additional costs) in case of illness, accident or death
cancellation of trip or delayed return journey (loan for additional costs) in case abduction€ 10,000€ 15,000
assistance if detained or when at risk of being detained (loan)€ 1,000€ 2,500
loan for bail€ 10,000€ 15,000
loss of money and documents (loan)-€ 500
assistance when credit card and debit or Maestro cards are lost
loss of travel documents
assistance in changing bookings / delays
deductible per insured eventnonenone

Convinced? Calculate your insurance premium now

IMPORTANT NOTICE: Due to technical reasons the application process will sometimes mention “Germany” as insured location. Please rest assured that all our insurance products are 100% suitable for the AUSTRIAN market.

Important Information

Product benefits

This information sheet gives you a quick overview of the various options available for the insurance of your choice

click for details
Price list

Daily insurance premiums per person

click for details
Information sheet

This information sheet is required by law and gives you a brief overview of your insurance cover.

click for details
Insurance terms and conditions (HanseMerkur)

For insurance up to 1 year by HanseMerkur Reiseversicherungs AG, Siegfried-Wedells-Platz 1, 20352 Hamburg, Germany

click for details
Insurance terms and conditions (Advigon)

For insurance up to 5 years. Insurance company: Advigon Versicherung AG, Pflugstrasse 20, 9490 Vaduz, Liechtenstein

click for details
Insurance terms and conditions for optional coverage

Full insurance terms and conditions for liability, accident, luggage, and emergency insurance

click for details
Back to top