Social insurance agreements have been signed with the following countries: Bosnia-Herzegovina, Iceland, Croatia, Liechtenstein, Macedonia, Norway, Sweden, Serbia, Slovenia and Turkey. Nationals of these countries may have a treatment voucher issued with their health insurance which is then exchanged for a health insurance ticket (Krankenschein) at a regional health fund in Austria.
Social insurance in Austria is composed of health, pension and accident insurance. As soon as a person takes up a job, he or she is automatically covered by insurance. Insurance protection extends to school and university students, as well as pensioners. Insurance contributions are calculated on the basis of a person’s income. Since 2005, all persons insured and their co-insured family members have received the so-called e-card. The e-card replaces the health insurance certificate that was used before. With the e-card, you verify insurance coverage. You should have it with you every time you visit a doctor. You need not apply for the e-card as your health insurance institution automatically sends it to you by mail.
People not covered by the social insurance may take on a self insurance. Contribution for this voluntary insurance is EUR 333.59 per month. Contributions may be reduced by producing proof of tax assessment, wage slip, savings book, maintenance payments and others more. As with compulsory insurance, family members may be co-insured. However, only spouses and children are recognized as family members. Self-insurance expires once compulsory insurance starts or the person moves abroad.
With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to Vienna is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Austria. So, before leaving, make sure you have appropriate cover!
EasyExpat.com works in partnership with APRIL International to provide specific insurance solutions for travelling or staying outside your country of nationality.
Designed for either short or long stays, APRIL International’s insurance policies offer protection against any problems that might arise before departure or during your time in Austria: cancelling your trip, medical expenses following an illness or accident, needing to be repatriated, causing damage to a third party or losing your luggage.