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Private Health Insurance in Austria

Premium rooms, private doctors & supplementary coverage compared

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In Austria, everyone is covered by mandatory social insurance. Private health insurance (supplementary insurance) offers additional benefits like shorter waiting times, free choice of doctors, and premium hospital services.

Public vs. Private

🏥

Public Insurance

  • •Mandatory for everyone
  • •Basic medical care
  • •Panel doctors and public hospitals
  • •Longer waiting times possible
  • •Shared hospital rooms
⭐

Private Supplementary

  • Voluntary addition
  • Premium services
  • Free choice of doctors and hospitals
  • Shorter waiting times
  • Private rooms (Sonderklasse)

Types of Supplementary Insurance

🏨

Premium Room Coverage

Premium hospital stay with private room, free hospital choice, and treatment by chief physicians.

Private roomFree hospital choiceChief physician treatmentBetter amenities
👨‍⚕️

Private Doctor Coverage

Covers costs for private doctors (without panel contracts) and significantly reduces waiting times.

Free doctor choiceShorter waitsSpecialist accessPrivate doctor reimbursement
🦷

Additional Benefits

Supplementary services like dental care, alternative medicine, or international coverage.

Dental careAlternative medicineMedical aidsInternational coverage

Why private health insurance?

⏰

Shorter waiting times

Faster appointments with specialists and for surgeries

🩺

Free doctor choice

Access to private doctors without long waits

🛏️

Hospital comfort

Private room instead of shared rooms

👨‍⚕️

Chief physician care

Treatment by experienced specialists

📈

Growing demand

More private doctors, longer public waiting times

🏠

Family protection

Cover children and partners too

Who is it for?

Individuals-Personal protection for professionals
Couples-Joint coverage for partners
Families-Protection for the whole family incl. children
Single parents-Special rates for single parents with children
Children-Early enrollment secures lower premiums

Insurers Compared

AllianzDonauGeneraliGraweMerkurMukiUNIQAWiener Städtische

And more providers...

Frequently Asked Questions

Do I need private health insurance?

Public insurance covers basic care. Those wanting shorter wait times, free doctor choice, or premium hospital services benefit from supplementary insurance.

Can I see a private doctor as a public patient?

Yes, but without supplementary insurance you must pay most costs yourself. Public insurance reimburses only a fraction.

At what age should I start?

The earlier, the cheaper. Many parents get coverage for their children as infants.

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Prices and benefits vary depending on age, health status, and chosen plan. As of: December 2025.