We take the hassle out of health insurance: these three health insurance companies provide international medical and dental insurance for expats in Austria. Get quick health insurance quotes in Austria and check out our list of FAQs to select the best health coverage plan for you.
Health insurance quotes for expats in Austria
The Munich-headquartered financial services company offers international health insurance plans for expatriate students, professionals, couples, and families. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental consultations, maternity, surgery, and outpatient fees.
The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Cigna Global’s policies are easily customized to coverage and cost requirements and customers can pick from three coverage levels, modular plans, and several cost-share options.
Healthcare in Austria
What do I need to receive healthcare in Austria?
Austria’s healthcare system is among the best in Europe, with good quality and accessible services covering nearly 100% of the population. The public health system is available to all residents, with workers paying a portion of their salary towards health insurance. If you live in Austria, you’ll have access to a broad range of services with the option of paying for private treatment also.
Do I need private health insurance in Austria?
Although public health insurance covers almost everyone in Austria, all residents have the option of taking out additional private insurance to cover a wider network of doctors and hospitals as well as any services not available through public healthcare. Benefits of private health insurance in Austria include shorter waiting times and cost-free medication, glasses and contact lenses.
FAQ: Health insurance in Austria
If you choose private health insurance in Austria, be sure to do your research, shop around and choose a package that best suits your particular needs. Most insurers offer different packages at varying costs.
Besides comparing prices, questions you might want to ask potential insurers include:
1. Does the package cover family members?
Whereas public health insurance in Austria can cover dependent family members such as children, private insurance packages usually cover individuals only. However, most private insurers offer special family packages available at higher premiums.
2. Are there any restrictions, limitations, or exclusions on the policy, e.g., relating to age or pre-existing conditions?
Private insurance policies are usually calculated according to risk factors. Your basic coverage may be limited due to age, medical history or lifestyle choices. Check what insurers cover before purchasing and choose any add-ons needed.
3. What’s a coverage gap and could I be affected?
Your employer arranges public health insurance in Austria. This means there could be a gap between you arriving in Austria and receiving insurance. EU nationals can get coverage with a European Health Insurance Card (EHIC). However, non-EU nationals will need to purchase private insurance to cover any gap. Private health insurance covers you from the moment you take out the policy, so you can sort this out ahead of your move.
4. Do I have health insurance coverage while I travel?
If work – or life – requires frequent international travel, the global coverage provided by private expat medical insurance could be useful. Make sure to ask if your health insurance package will cover treatment abroad or if you will need to purchase excess coverage.
5. What treatments are covered?
Public health insurance in Austria covers most general treatments, however some specialist treatment such as psychotherapy, some alternative therapies and some specialist dental work don’t get fully covered. Therefore, private coverage can come in useful to plug these gaps.
6. How straightforward is the process for making a claim?
In Austria, claims processes tend to vary across different insurers. Some require you to pay for treatment upfront and claim a reimbursement whereas others will take care of costs directly through the healthcare provider. This is an important area to check in advance of choosing an insurer if you are worried about being temporarily out of pocket.