Below you can find further information about how to get health insurance in Austria as international student.
Who has to take out insurance?
If you can remain insured in an EU/EEA country, it should be possible to use your insurance in Austria with to the European Health Insurance Card (EHIC). In case you cannot stay insured, you can also conclude an Austrian health insurance with Österreichische Gesundheitskasse (ÖGK), see below.
- Exchange students for 1 semester: you should have a suitable insurance for your visa already.
- Exchange students for 1+ semesters & degree-seeking students: you must take out an insurance that complies with the residence permit regulations, see below.
- ISEP exchange students must take out health insurance with national social security ÖGK, see option 1 below)
Option 1: national social security (recommended)
Self-insurance for students at the national social security provider ÖGK
You can take out an insurance for students at Österreichische Gesundheitskasse (ÖGK) www.gesundheitskasse.at if you fulfill the insurance requirements. These are:
- no compulsory insurance in Austria or another EU/EEA country
- habitual residence in Austria
- enrolled as degree-seeking student ("ordentliches Studium") OR enrolled to participate in the VGUH Graz OR enrolled as exchange student
- you do not earn more than 10.000€ per calendar year*
- Master's students: you did not complete your bachelor's degree more than 30 months ago*
- Doctoral students: you did not complete your master's degree more than 12 months ago*
We also recommmend to actively contact the insurance provider how to proceed in case of medical emergencies or illnesses and how to pay for treatments.
*This does not apply to exchange students.
Option 2: private insurance
You can also obtain a private insurance. Non-EU/EEA nationals have to ensure that the insurance fulfills the requirements for the residence permit.
Several providers have products for students that can also be obtained online, e.g. www.feelsafe.at or www.care-concept.at. Numerous other insurance providers, such as Wiener Städtische, Alllianz, Uniqa to name only a few, have suitable policies as well. However, not all policies cover all risks, which is necessary for the Austrian residence permit. You should ensure that the insurance can be accepted for the residence permit before concluding it.
We also recommmend to actively contact your private insurance provider how to proceed in case of medical emergencies or illnesses and how to pay for treatments.