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Expat Exchange - Enrolling in the Public Healthcare System in Austria
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Graz, Austria


Enrolling in the Public Healthcare System in Austria

By Joshua Wood, LPC

Allianz Care
Allianz Care

Summary: A primer on how to enroll in the public healthcare system in Austria.

If you're planning to enroll in the public healthcare system in Austria, this article covers the requirements for foreigners to be able enroll in the public healthcare system, the steps involved and more.

Austria is renowned for its high-quality healthcare system, known as the Gesundheitssystem. This public healthcare system is mandatory for all residents, including foreigners who are living and working in the country. The system is funded through social insurance contributions, which are based on income. The majority of Austrians use the public healthcare system, although some also opt for additional private health insurance for more comprehensive coverage.

Quality and Costs of the Austrian Public Healthcare System

The Austrian healthcare system is considered one of the best in the world, offering high-quality medical care. The system is funded through a mandatory health insurance scheme, where contributions are deducted directly from wages. The cost of this insurance is typically shared between employers and employees. The exact amount varies depending on income, but it generally ranges from 3.78% to 5.1% of gross income.

Once enrolled in the system, individuals have access to a wide range of healthcare services, including visits to general practitioners, specialists, hospital care, prescription medications, maternity services, and rehabilitation. There may be small out-of-pocket costs for certain services or medications, but the majority of healthcare costs are covered by the insurance.

Enrollment in the Public Healthcare System for Foreigners

Foreigners are eligible to enroll in the Austrian public healthcare system if they are living and working in Austria. This includes EU citizens, who are covered under the European Health Insurance Card (EHIC) scheme, as well as non-EU citizens who have a valid residence permit and are employed in Austria.

For EU citizens, the process is relatively straightforward. They can use their EHIC for the first three months of their stay, during which time they should register with a local health insurance fund (Gebietskrankenkasse) to continue their coverage.

Non-EU citizens will need to first obtain a residence permit and then find employment. Once they have a job, they will be automatically enrolled in the healthcare system through their employer's social insurance contributions.

Steps for Enrolling in the Austrian Public Healthcare System

  1. Obtain a residence permit: This is necessary for non-EU citizens who wish to live and work in Austria. The permit can be obtained from the Austrian embassy or consulate in your home country.
  2. Find employment: Once you have a residence permit, you can seek employment in Austria. Your employer will register you with the social insurance institution, which will automatically enroll you in the healthcare system.
  3. Register with a local health insurance fund: This applies to both EU and non-EU citizens. You can choose from several different funds, but most people opt for the regional health insurance fund (Gebietskrankenkasse) in their area.
  4. Receive your e-card: Once you're registered, you'll receive an e-card. This card serves as proof of your insurance and should be presented whenever you seek medical care.

It's important to note that even if you're covered by the public healthcare system, you may still want to consider private health insurance. This can provide additional coverage for services not included in the public system, such as private hospital rooms or certain specialist treatments.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.


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