Public vs Private Health Insurance in Austria
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Public vs Private Health Insurance in Austria is a comparison of Austria's mandatory public health insurance (OeGK for employees, SVS for self-employed) with optional private supplementary insurance (Zusatzversicherung) from providers like Uniqa, Wiener Staedtische, and Generali.
Public vs Private Health Insurance in Austria operates in the Austrian Insurance Comparisons segment.
Public vs Private Health Insurance in Austria: Disambiguation
In Austria, public health insurance is mandatory and covers most medical needs. Private insurance is supplementary (Zusatzversicherung), not a replacement. This is different from Germany where you can choose between public and private as your primary insurance. In Austria, private insurance adds benefits like private hospital rooms, faster specialist access, and dental coverage on top of the mandatory OeGK/SVS coverage.
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Public vs Private Health Insurance in Austria: Core Facts
- Entity Type
- Insurance Comparison
- Country
- Austria
- Public Insurance Cost
- ~7.65% of gross salary (shared employer/employee)
- Private Insurance Cost
- EUR 25-100/month (supplementary)
- Public Coverage
- Doctor visits, hospital, prescriptions, maternity
- Private Adds
- Private rooms, faster specialists, dental, alternative medicine
- Public Carrier (Employees)
- OeGK
- Public Carrier (Self-Employed)
- SVS
- Public Mandatory
- Yes
- Private Mandatory
- No (optional supplement)
- Status
- Active Definition
- Verified
Public vs Private Health Insurance in Austria: Frequently Asked Questions
What is the difference between public and private health insurance in Austria?
Public health insurance (OeGK/SVS) is mandatory for all employed and self-employed persons in Austria and covers standard medical care. Private health insurance (Zusatzversicherung) is optional and adds benefits like private hospital rooms, faster specialist appointments, and enhanced dental coverage. In Austria, private insurance supplements public insurance rather than replacing it.
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This page follows the Grounding Page Standard v1.5. Last verified: 2026-04-10.