Health and accident insurance

Living in Europe | Health insurance | Austria

Social insurance in Austria is compulsory and mainly financed by contributions. It follows the principle of solidarity which basically means equal benefits for all people insured.

If you are employed or self-employed there is automatic health insurance coverage since your employer is responsible for registering you with the social insurance carrier that fits your employment conditions (BVA, GKK). If you are “newly” self-employed (e.g. as a freelance journalist or author) or receive minimum income you have to apply for health insurance yourself (SVA) unless you already are covered by health insurance due to a gainful occupation.


Once you are registered you will receive an e-card with your personal data (name, insurance number, etc.). The back of the card corresponds to the European social security card. The card ensures medical treatment in the EU countries as well as EEA (European Economic Area) countries, Switzerland, Bosnia and Herzegovina, North Macedonia, Montenegro and Serbia free of charge. Health insurance covers free treatment by doctors who have contracts with your social security carrier (BVA, GKK, SVA) and hospitals. There are also private doctors whose services are not covered by the social insurance system and have to be paid for.

Family members can be co-insured provided they are resident in Austria. Minors up to 18 years of age are co-insured, minors attending schools or vocational training or university can be co-insured free of charge up to 27 years of age. Spouses with children can be co-insured free of charge, co-insurance of spouses without children entails an additional contribution.


General information on health insurance at:


Accident insurance covers benefits payable as a result of workplace accidents, occupational illnesses and the accidental death of an employee. These benefits include for instance accident treatment costs, rehabilitation, reimbursements, surviving dependants´ benefits (e.g. widow’s/widower’s pension).

Details about accident insurance at:


For personal assistance in the field of social security please contact the EURAXESS Centre: