Do I need Health Insurance When Moving to Austria?

When planning a move to Austria as an expat or digital nomad, it's crucial to understand the health insurance requirements for newcomers seeking residency. Austria requires all foreigners staying longer than six months to have health insurance that covers all risks up to a minimum of EUR 30,000. This insurance should be valid for the duration of your intended stay or until you are enrolled in the Austrian public healthcare system. It's important to note that having adequate health insurance is a prerequisite for obtaining a residence permit.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance can meet the requirements as long as it covers all risks up to the minimum amount of EUR 30,000. It's essential to ensure that your policy includes emergency medical treatment, hospital stays, and repatriation. Additionally, the insurance provider should be able to issue a confirmation letter in German, stating that the policy meets the Austrian requirements. This letter will be needed when applying for your residence permit.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Austria offer insurance plans tailored to expats and digital nomads. Some of the prominent ones include Wiener Städtische Versicherung, Allianz, and Generali. These companies provide various health insurance plans that can meet the residency requirements. It's a good idea to compare different plans and providers to find the one that best suits your needs and budget. Keep in mind that some local insurers may require you to have a registered address in Austria before you can sign up for a policy.

Advice from Expats in Austria about Health Insurance

Expats living in Austria share valuable insights regarding health insurance. They advise newcomers to carefully review policy details, ensuring there are no hidden exclusions or high deductibles. It's also recommended to choose an insurer with a good reputation and positive reviews, as dealing with health insurance claims can be challenging. Furthermore, expats suggest considering insurance plans that offer coverage in other European countries if you plan to travel frequently. Lastly, they emphasize the importance of understanding the cancellation policy, as switching insurers can sometimes be complicated.