Social insurance in Austria
The Federation of Social Insurances ("Dachverband der Sozialversicherungsträger") is the umbrella organization of Austria's statutory health, accident and pension insurance institutions. The following five statutory social insurance institutions belong to it: Österreichische Gesundheitskasse (ÖGK), Versicherungsanstalt öffentlich Bediensteter, Eisenbahn und Bergbau (BVAEB), Sozialversicherungsanstalt der Selbständigen (SVS), Pensionsversicherungsanstalt (PVA) and Allgemeine Unfallversicherungsanstalt (AUVA).
Health insurance
Österreichische Gesundheitskasse (ÖGK) is the largest social health insurance institution in Austria, providing insurance for about 82 per cent of the population. The insurance provided covers health care services, in particular medical and therapeutic care provided by accredited doctors and therapists, hospitals and ÖGK health centres, sickness benefits, dental services, medicines and therapeutic appliances, childbirth benefits as well as health promotion and prevention measures.
Statutory social insurance is a compulsory insurance in Austria, which means that if the legally defined requirements are met, the person is automatically included in the respective insurance branch (health, accident or pension insurance).
In Austria, social health insurance is not freely selectable. The social health insurance institution responsible for employees depends on their occupation. The majority of employees are insured with ÖGK. However, the responsible health insurance instutution for employees of universities according to the Universities Act 2002 (Universitätsgesetz 2002), for example, is BVAEB. But there are also cases in which employees are not subject to Austrian social security.
Many people take out private supplementary insurance (with private insurance companies), which guarantees them coverage of various costs that are not covered by social insurance and, depending on the product, other advantages (e.g. possibility of free choice of doctor for an operation, etc.).
e-card
If you will be employed in a Tyrolean company or at a Tyrolean university, your employer will register you for Austrian social insurance (unless special regulations apply). If your monthly earnings exceed the marginal earnings threshold, you will thereby also be automatically insured in the statutory health insurance (if no exemption is applicable).
As proof of health insurance, every insured person receives a so-called e-card. The e-card is a chip card that bears the cardholder's name, title and social security number. Insured persons must present the e-card when visiting a doctor or undergoing other medical treatment, since only the e-card can be used to clarify electronically whether and under what conditions health insurance coverage exists (exemption from prescription charges, etc.). If dependents are co-insured, they must also receive an e-card.
The e-card can be used in particular at any contracted physician of the responsible health insurance institution, in health insurance-owned facilities and in most hospitals. The scope of services and costs covered by the e-card depends on the respective health insurance institution (ÖGK, BVAEB; see also our Medical Care Website).
Since 01.01.2020 (with a few exceptions) all e-cards for persons 14 years and older must have a photo that clearly shows the cardholder.
If a photo is already available - e.g. on the basis of a residence title (not: Registration Certificate/"Anmeldebescheinigung" for EU, EEA and Swiss nationals), convention passport or another document from the Foreigners' Register ("Fremdenregister") - it will automatically be used for the e-card.
However, if this is not the case, the e-card will only be issued if the person for whom the e-card is for brings their photo and the additional required documents to one of the registration offices in Tyrol. Please note that you will not receive a request for this, but you have to book an appointment electronically and bring all necessary documents (passport photo, etc.) to this appointment.
Note: On the back of the e-card there is a field for the European Health Insurance Card (EHIC). In any case, it makes sense to read up on the EHIC.
In addition, it is generally advisable to find out from the relevant health insurance institution (website, hotline, etc.) before traveling abroad whether, under what conditions and to what extent health insurance coverage exists for the country in question and what steps the insured person must take to obtain it. Also, the coverage of non-covered risks of a trip by appropriate private insurance should always be considered.