Private Health Insurance in Austria

Navigating Austria’s healthcare services – and finding the right fit for you

Many people feel overwhelmed by the healthcare system – too many facts, options, and decisions. According to a 2020 study by the University of Bielefeld, 83% of people struggle to navigate healthcare systems. So it’s no surprise that many ask themselves: Is public health insurance enough? Or do I need private insurance to feel truly covered?

To better understand the differences and options, it helps to take a quick look at how Austria’s healthcare system is structured:
Essentially, it’s built on two pillars – public and private health insurance. While this sounds straightforward in theory, it often gets complicated in everyday life: long waiting times, limited doctor choices, or confusing entitlements leave many people uncertain.

But does private insurance automatically mean better care? Or is public insurance already enough for most situations?

How Does Health Insurance Work in Austria?

In Austria, the vast majority of people are automatically covered by public health insurance (known as GKV). Here are some key facts:

• Mandatory insurance: Employees are automatically insured through the public system.

• Insurance providers: Depending on your profession, there are different providers – such as the Österreichische Gesundheitskasse (ÖGK), the SVS for the self-employed, or the BVAEB for civil servants.

• Services covered: Public insurance covers things like doctor visits, hospital stays, and medications – though not always fully.

Public insurance provides a solid basic level of healthcare. However, depending on your situation, you may run into limits – like restricted access to certain therapies, long waiting times, or a lack of doctor choice. These gaps lead many to consider taking out additional private insurance.

What Does Private Health Insurance in Austria Offer?

Private insurance complements the basic coverage of the public system by offering additional services or easier access to healthcare. Some of the most common benefits include:

• Shorter wait times for specialists and consultations

• Freedom to choose doctors and access private clinics

• Better hospital accommodation (e.g. single or double rooms)

• Additional alternative treatments like osteopathy or homeopathy

• Often faster diagnoses and more personalized care

Private providers like UNIQA Health Insurance offer customized healthcare options tailored to individual needs. But is private insurance the right choice for everyone?

Do I Really Need Private Health Insurance?

Whether or not private insurance makes sense for you depends heavily on your personal needs, life situation, and overall health. Here are some key questions that might help you decide:

For employees:

• Does public coverage meet my needs?

• Are long waiting times a concern for me?

• Do I want additional insurance for better treatment options?

For self-employed individuals and entrepreneurs:

• How important is quick access to specialists for me?

• Am I even entitled to public insurance as a self-employed person?

• Do I need extended benefits like dental treatment or specialist surgeries?

For families and children:

• What services does public insurance cover for my child?

• Are private extras like orthodontics or homeopathy important to us?

• How much additional protection do we want as a family?
  

For many, public insurance is sufficient – but in specific situations, private coverage can offer significant advantages.

Where Does the Individual Fit Into the System?

Whether you’re publicly or privately insured – navigating the Austrian healthcare system can be a challenge:

• Complicated bureaucracy and unclear responsibilities

• Uncertainty about what’s actually covered

• Stress from long wait times and difficulty getting appointments

The goal shouldn’t be to get lost between two systems, but rather to find real value for your personal health.

Mavie: Your Partner for a Healthier Life

At Mavie, we’re here to help you strengthen your health and well-being. That’s why we support you through every stage of life with services that make your daily life easier. Our approach:

• Healthcare that fits your lifestyle – at home and at work: From at-home health tests to holistic employee health programs.

• Health experts – digital and in-person: Access online consultations or medical excellence at our clinics.

• No financial barriers to care: Visit the doctor stress-free – no upfront payments. We handle the reimbursement process.

• Care at home, even as you age: Whether it’s round-the-clock support or temporary help, we assist with personal care at home.

Whether you choose private or public insurance – the most important thing is having access to the right healthcare solutions. Let’s find the best path for your health, together. Because caring for your health should feel easy – and empower you to take action early.
We at Mavie are here to support you.