--- title: "from €51/mo · Austria health insurance guide" description: "Austria health insurance guide for foreigners: MA 35 Vienna, university enrolment, au-pair, Bezirkshauptmannschaften. Care Austria from €51/month. Updated: 28. August 2026." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Austria health insurance guide for foreigners — MA 35, students, au-pairs", "description": "Concrete English guides on health insurance for foreigners in Austria: MA 35-ready proof, enrolment at University of Vienna & TU Graz, au-pair in DACH, Bezirkshauptmannschaft. 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"name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" } ], "timeRequired": "PT8M", "inLanguage": [ "en", "de" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", 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"@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Austria health insurance", "MA 35 Vienna", "ÖGK self-insurance", "Care Austria", "au-pair insurance", "Bezirkshauptmannschaft", "Wahlarzt reimbursement", "§ 8 NAG", "§ 64 NAG" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "https://www.krankenversicherung-auslaender.de/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Glossary: health insurance Austria", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "ÖGK", "description": "Österreichische Gesundheitskasse — Austria's statutory health insurance fund, responsible for contract doctors, hospital care and the E-Card.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "E-Card", "description": "ÖGK insurance chip card; equivalent to the electronic health card. Shown to contract doctors and at hospital.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "MA 35", "description": "Municipal Department 35 — Immigration & Citizenship, the central authority for residence permits in Vienna.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Wahlarzt", "description": "A doctor without an ÖGK contract. The patient pays first and submits the invoice for reimbursement — Care Austria reimburses within the policy terms with no deductible.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Selbstbehalt", "description": "The deductible the insured person carries themselves; Care Austria Standard has no deductible for Wahlarzt within the policy terms.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Bezirkshauptmannschaft", "description": "First-instance district administrative authority in the Austrian Bundesländer — outside Vienna, this is the office responsible for residence permits.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Niederlassungsbewilligung", "description": "Time-limited residence permit under NAG for third-country nationals in Austria; requires proof of health insurance.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Red-White-Red Card", "description": "Residence permit for qualified skilled workers from third countries; proof of health insurance is a mandatory requirement.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Country-of-origin documents", "description": "For applicants from Pakistan, India, Philippines, Nigeria, Türkiye, Brazil, Indonesia, Vietnam, Bangladesh or Egypt: apostilled birth/marriage certificates with certified German translation are typically required by MA 35 and the Bezirkshauptmannschaften.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Anmeldebescheinigung", "description": "Registration certificate for EU/EEA/Swiss citizens staying longer than three months in Austria — issued by MA 35 in Vienna or the Bezirkshauptmannschaft elsewhere; proof of health insurance is part of the application.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Blue Card Austria", "description": "EU Blue Card — Austrian residence and work permit for highly qualified third-country nationals; private incoming insurance such as Care Austria is generally accepted as proof of health insurance.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "RWR plus", "description": "Red-White-Red Card plus — derivative residence permit for family members and after 24 months of RWR Card; allows unrestricted labour-market access in Austria.", "inDefinedTermSet": "Glossary: health insurance Austria" }, { "@type": "DefinedTerm", "name": "Social security number Austria", "description": "10-digit Sozialversicherungsnummer assigned by Dachverband der Sozialversicherungsträger; required for ÖGK enrolment but not for a private incoming policy.", "inDefinedTermSet": "Glossary: health insurance Austria" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to get MA 35-accepted health insurance proof in three steps", "description": "How international students, au-pairs and third-country nationals can obtain MA 35-ready health insurance proof within minutes.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Identify your situation", "text": "Studies (University of Vienna, TU Graz, …), au-pair, first application or renewal — open the matching guide and identify the right plan." }, { "@type": "HowToStep", "position": 2, "name": "Apply for Care Austria or Care Au-Pair online", "text": "The application takes under 5 minutes. The insurance certificate is generally sent by email immediately — formally MA 35-ready with name as in passport, insurer and scope." }, { "@type": "HowToStep", "position": 3, "name": "Submit the proof to MA 35 or the Bezirkshauptmannschaft", "text": "Print the PDF or show it on your smartphone. For renewals, an updated certificate is generally enough — no gap in cover." } ], "totalTime": "PT15M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ ".tldr-speakable", "[data-aeo=\"answer-lead\"]", "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which health insurance does MA 35 Vienna accept for the residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "MA 35 typically accepts a proof that shows your name as in the passport, the insurer (e.g. HanseMerkur), the geographic scope (Austria/EU) and a start date before the residence-permit appointment. Care Austria generally meets these requirements and issues the confirmation by email immediately after a successful application." } }, { "@type": "Question", "name": "Care Austria vs. ÖGK self-insurance — what works for international students?", "acceptedAnswer": { "@type": "Answer", "text": "ÖGK self-insurance costs around €73.20/month (2025) and ties you to contract doctors. Care Austria from €51/month reimburses Wahlarzt within the policy terms with no deductible and is generally accepted by MA 35. For students over 30, PhD candidates or applicants without ÖGK access, Care Austria is typically the simpler option." } }, { "@type": "Question", "name": "Au-pair in Austria — who registers with ÖGK?", "acceptedAnswer": { "@type": "Answer", "text": "Typically the host family registers the au-pair with ÖGK once pocket money exceeds the marginal-earnings threshold of €518.44/month (2025). Care Au-Pair adds liability cover in the host family household and accident protection — items ÖGK does not include." } }, { "@type": "Question", "name": "How much does Care Austria reimburse for Wahlarzt visits?", "acceptedAnswer": { "@type": "Answer", "text": "Care Austria reimburses Wahlarzt invoices within the policy terms with no deductible; typical local fees are usually covered. The patient pays first, submits the invoice plus diagnosis, and reimbursement is paid to the account provided." } }, { "@type": "Question", "name": "Does Care Austria also cover treatment in my home country?", "acceptedAnswer": { "@type": "Answer", "text": "Within the policy terms, Care Austria covers acute, unforeseen treatment worldwide (including the home country) during visits; planned treatment in the home country is generally excluded. Please refer to the insurance terms for details." } }, { "@type": "Question", "name": "How can I renew my residence permit without a gap in health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Care Austria in its open-ended variant continues monthly; when renewing your residence permit at MA 35 or the Bezirkshauptmannschaft, an updated insurance certificate is generally enough. No new policy is needed — gaps in cover are typically avoided." } }, { "@type": "Question", "name": "Family reunification in Austria: which health insurance does MA 35 expect?", "acceptedAnswer": { "@type": "Answer", "text": "For family reunification (§ 46 NAG, Niederlassungsbewilligung Familienangehörige), MA 35 typically expects a separate health-insurance proof for every joining family member — spouse, children, and parents in individual cases. Care Austria from €51/month covers medical treatment across Austria within the policy terms and issues a separate PDF confirmation per person with the name as in the passport." } }, { "@type": "Question", "name": "Red-White-Red Card (plus) — is private health insurance accepted as proof?", "acceptedAnswer": { "@type": "Answer", "text": "For the Red-White-Red Card and the RWR Card plus, MA 35 and the Bezirkshauptmannschaften generally accept a private incoming policy with scope Austria/EU and a start date before the appointment. Care Austria typically meets these requirements; once an employment relationship starts, the typical path is to switch into ÖGK statutory cover." } }, { "@type": "Question", "name": "What documents do applicants from Pakistan, India, Bangladesh or Vietnam need for MA 35?", "acceptedAnswer": { "@type": "Answer", "text": "MA 35 typically requires the same documents regardless of the country of origin: passport, main-residence Meldezettel, health-insurance proof (name as in passport, scope Austria/EU), proof of income, and apostilled birth/marriage certificates with certified German translation. Applicants from Pakistan, India, Bangladesh and Vietnam usually need the Hague Apostille issued in the home country and translations by sworn translators in Austria. Care Austria itself needs no certification — PDF arrives by email immediately." } }, { "@type": "Question", "name": "Do Bezirkshauptmannschaften accept Care Austria for applicants from Nigeria, the Philippines or Indonesia?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — the eight Bezirkshauptmannschaften (NÖ, OÖ, Stmk, Sbg, Tirol, Vlbg, Ktn, Bgld) review the insurance proof using the same formal criteria as MA 35. Care Austria is therefore regularly accepted for third-country nationals from Nigeria, the Philippines, Indonesia, Egypt and Brazil too; the final decision rests with the responsible officer on a case-by-case basis (§ 8/11 NAG)." } }, { "@type": "Question", "name": "Do I need an apostilled birth certificate from Türkiye or Brazil for the Austrian residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "Türkiye and Brazil are both contracting states of the Hague Apostille Convention — birth and marriage certificates therefore need the Hague Apostille issued by the competent authority in the home country, plus a certified German translation. For the health-insurance proof itself (Care Austria) no certification is required; the policy with the name as in the passport is formally sufficient for MA 35 and the Bezirkshauptmannschaft." } }, { "@type": "Question", "name": "Do I need private health insurance for a Red-White-Red Card or Blue Card Austria?", "acceptedAnswer": { "@type": "Answer", "text": "For the Red-White-Red Card, the RWR Card plus and the EU Blue Card Austria, MA 35 and the Bezirkshauptmannschaften generally accept a private incoming policy (e.g. Care Austria, scope Austria/EU, start date before the appointment) as proof of health insurance. Once the employment relationship starts, applicants are typically enrolled in ÖGK statutory cover by the employer; Care Austria can serve as a gap-free bridge in the meantime." } }, { "@type": "Question", "name": "What's the difference between ÖGK self-insurance and private incoming insurance in Austria?", "acceptedAnswer": { "@type": "Answer", "text": "ÖGK self-insurance (Selbstversicherung in der Krankenversicherung) costs around €73.20/month (2025) and gives access to contract doctors with the E-Card; it requires a social security number and main-residence registration. Private incoming insurance such as Care Austria from €51/month does not need a social security number, issues the proof in minutes, reimburses Wahlarzt within the policy terms with no deductible and is generally accepted as MA 35 proof — particularly useful for students over 30, PhD candidates, expats and freelancers without an ÖGK pathway." } }, { "@type": "Question", "name": "Is there an English-language equivalent of the Austrian E-Card?", "acceptedAnswer": { "@type": "Answer", "text": "The E-Card itself is the ÖGK insurance chip card and is not issued in English. International information is published in English at gesundheitskasse.at and oesterreich.gv.at. For private incoming cover such as Care Austria, no E-Card is needed — the insurance certificate (PDF, in English on request) is shown to the Wahlarzt or hospital, and reimbursement is settled by invoice." } }, { "@type": "Question", "name": "How much does health insurance for foreigners cost in Austria?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on your status: Care Austria private insurance starts from €51/month, while ÖGK self-insurance is around €73.20/month (2025). Students, au-pairs and Red-White-Red Card holders each have different options. See Care Austria." } }, { "@type": "Question", "name": "Do international students need health insurance for an Austria student visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — proof of health insurance is required for the student residence permit and university enrolment. International students commonly use Care Austria (from €51/month) or ÖGK self-insurance. Student health insurance in Austria." } }, { "@type": "Question", "name": "Can I get health insurance in Austria in English?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Austria can be applied for in English, with a German/English certificate accepted by MA 35 and the Bezirkshauptmannschaften. Health insurance for foreigners in Austria." } }, { "@type": "Question", "name": "Is travel insurance enough for an Austrian residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "Usually not — MA 35 and the Bezirkshauptmannschaften expect health insurance with adequate cover in Austria (comparable to ÖGK), not a short travel policy. Care Austria is designed to meet these requirements. See Care Austria." } }, { "@type": "Question", "name": "What is the ÖGK (Österreichische Gesundheitskasse)?", "acceptedAnswer": { "@type": "Answer", "text": "The ÖGK is Austria's statutory health insurance fund. Employees are usually insured through it automatically; students, freelancers and some newcomers take ÖGK self-insurance (around €73.20/month, 2025) or choose a private incoming plan like Care Austria. How health insurance works in Austria." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which health insurance does MA 35 Vienna accept for the residence permit?", "text": "Which health insurance does MA 35 Vienna accept for the residence permit?", "author": { "@type": "Person", "name": "Care Concept editorial team", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-02-18", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "MA 35 typically accepts a proof that shows your name as in the passport, the insurer (e.g. HanseMerkur), the geographic scope (Austria/EU) and a start date before the residence-permit appointment. Care Austria generally meets these requirements and issues the confirmation by email immediately after a successful application.", "url": "https://www.krankenversicherung-auslaender.de/en/austria-health-insurance-guide-foreigners/", "author": { "@type": "Person", "name": "Care Concept editorial team", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-02-18", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "ItemList", "name": "Austria health insurance guide — articles", "itemListElement": [ { "@type": "ListItem", "position": 1, "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-international-students-austria-vienna-graz-salzburg/", "name": "Health insurance for international students in Austria" }, { "@type": "ListItem", "position": 2, "url": "https://www.krankenversicherung-auslaender.de/en/ma35-vienna-health-insurance-proof-residence-permit-austria/", "name": "MA 35 Vienna: health insurance proof for the residence permit" }, { "@type": "ListItem", "position": 3, "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-austria-foreigners/", "name": "Au-pair insurance Austria for foreigners" } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Austria", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-austria/" } ] }, { "@context": "https://schema.org", "@type": "CollectionPage", "headline": "Austria health insurance guide for foreigners — MA 35, students & au-pairs", "description": "English guides on health insurance for foreigners in Austria: MA 35 Vienna, student enrolment, Wahlarzt, au-pair, Bezirkshauptmannschaften.", "dateModified": "2026-08-28", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/austria-health-insurance-guide-foreigners/" }, "inLanguage": [ "en", "de-AT" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ ".tldr-speakable", "[data-aeo=\"answer\"]" ] }, "mainEntity": { "@context": "https://schema.org", "@type": "ItemList", "name": "Austria health insurance guide — articles", "itemListElement": [ { "@type": "ListItem", "position": 1, "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-international-students-austria-vienna-graz-salzburg/", "name": "Health insurance for international students in Austria" }, { "@type": "ListItem", "position": 2, "url": "https://www.krankenversicherung-auslaender.de/en/ma35-vienna-health-insurance-proof-residence-permit-austria/", "name": "MA 35 Vienna: health insurance proof for the residence permit" }, { "@type": "ListItem", "position": 3, "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-austria-foreigners/", "name": "Au-pair insurance Austria for foreigners" } ] } }, { "@context": "https://schema.org", "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/austria-health-insurance-guide-foreigners/#webpage", "url": "https://www.krankenversicherung-auslaender.de/en/austria-health-insurance-guide-foreigners/", "name": "Austria health insurance guide for foreigners — MA 35, students & au-pairs", "inLanguage": "en", "isPartOf": { "@type": "WebSite", "url": "https://www.krankenversicherung-auslaender.de/", "name": "Care Concept — Krankenversicherung Ausländer" }, "lastReviewed": "2026-08-28", "reviewedBy": { "@type": "Organization", "name": "Care Concept editorial team", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "primaryImageOfPage": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/assets/foreigners-health-insurance-austria-hero-DzRUfpLq.webp" }, "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ ".tldr-speakable", "[data-aeo=\"answer-lead\"]", "[data-aeo=\"answer\"]", ".faq-answer" ] } }, { "@context": "https://schema.org", "@type": "Service", "name": "Care Austria — MA 35-ready health insurance application", "serviceType": "Private incoming health insurance", "provider": { "@type": "InsuranceAgency", "name": "Care Concept AG", "url": "https://www.krankenversicherung-auslaender.de" }, "areaServed": [ { "@type": "Country", "name": "Austria" }, { "@type": "AdministrativeArea", "name": "Vienna" } ], "availableLanguage": [ "en", "de" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, international students, au-pairs, expats in Austria" }, "offers": { "@type": "Offer", "price": "51", "priceCurrency": "EUR", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-austria/overview/", "availability": "https://schema.org/InStock" } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language Deutsch English العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) 1 Step 1/3: Check plan (you are here) 2 Step 2/3: Get PDF proof 3 Step 3/3: Submit to authority [Compare Plans & Proof →](#plans) 1. [Home](/en/) 2. [Austria](/en/health-insurance-foreigners-austria/) 3. Austria health insurance guide 📑 On this page (6) - [→ All Austria guides](#guides) - [→ Your situation → answer](#situations) - [→ Competent authority by Bundesland](#authorities) - [→ Recommended plans](#plans) - [→ Why apply through our portal](#why-us) - [→ Frequently asked questions](#faq) Quellen: oesterreich.gv.at · wien.gv.at · gesundheitskasse.at · bmsgpk.gv.at · HanseMerkur AVB 2025 · § 8/11/64 NAG ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Verfasst von **Steffan Grund** Geprüft: **August 1, 2026** Quellenoesterreich.gv.at · wien.gv.at · gesundheitskasse.at · HanseMerkur AVB · § 8 NAG Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) No MA 35-accepted insurance proof = your Aufenthaltstitel file gets handed back. # Austria health insurance guide for foreigners — MA 35, students & au-pairs 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) · accepted in most MA 35 cases (HanseMerkur AVB 2025) “Care Austria confirmation in the morning, BH Salzburg appointment in the afternoon — worked.” — P. S. (Salzburg), student Quotes from internal customer feedback, anonymised and shortened. **This guide helps applicants from** — show country list Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, Sri Lanka, Nepal, Türkiye, Iran, Iraq, Syria, Lebanon, Egypt, Morocco, Tunisia, Algeria, Nigeria, Ghana, Kenya, Ethiopia, the Philippines, Indonesia, Vietnam, Thailand, China, Brazil, Colombia, Mexico, Ukraine, Russia, Kosovo, Serbia, Bosnia, North Macedonia and Albania. Used since 2009 by applicants worldwide — typically accepted in Austria by MA 35 (Vienna), MA 35 branch offices and the 8 Bezirkshauptmannschaften across Lower Austria, Upper Austria, Styria, Salzburg, Tyrol, Vorarlberg, Carinthia and Burgenland. Accepted: MA 35 Vienna (typically) 8 district authorities (typically) Embassy practice GDPR/EU No apostille required No German needed No medical questionnaire (within policy terms) PDF typically in 3–7 min — no Austrian bank account [ Tariff premium Care Austria from 51 €/mo Hospital night uninsured Vienna hospital: 830 €/night (Indicative AT hospital day rate (LKF/self-payer) — varies by state) ](#tarife) No commitment · monthly cancellation · confirmation by email (typically immediate). Reviewed by the Care Concept editorial team · last reviewed 28. August 2026 · sources: oesterreich.gv.at, wien.gv.at, gesundheitskasse.at, HanseMerkur AVB 2025. **Quick answer:** For foreigners in Austria, **MA 35** and every Bezirkshauptmannschaft generally accept a private incoming policy with name as in the passport and scope Austria/EU — [Care Austria ab nur 51,00 € / Monat](/en/insurance-plans/care-austria/overview/) issues the **PDF proof immediately after purchase** (no medical exam, no deductible for Wahlarzt within the policy terms). Indicative: around €800 in lost gross weekly wages at the Austrian median per week of residence-permit delay (source: indicative AT median earnings 2024/25) — Care Austria premium for the same week: about €12. MA 35 + 9 Bundesländer Generally accepted by Vienna's MA 35 and the 8 Bezirkshauptmannschaften. PDF in minutes Confirmation by email right after the online application. Wahlarzt-friendly No deductible on Wahlarzt invoices within the policy terms. **For applicants from Pakistan, India, the Philippines, Nigeria, Türkiye, Brazil, Indonesia, Vietnam, Bangladesh and Egypt:** the formal insurance requirements are the same regardless of country of origin — name as in passport, scope Austria/EU, start date before the MA 35 appointment. Care Austria issues the PDF confirmation by email immediately; no Austrian bank account, no German language skills and no medical exam needed for the policy itself. [Apply for Care Austria — ab nur 51,00 € / Monat](/en/insurance-plans/care-austria/apply/) [Apply for Care Au-Pair — ab nur 21,00 € / Monat (bis 2 Jahre)](/en/insurance-plans/care-au-pair/apply/)[30-second plan finder](/en/tariffinder-germany/) Austria Residence Cover Care Austria by HanseMerkur Versicherungsgruppe / Advigon Austrian Authority Proof For MA35, magistrate or residence permit documents Policy Documents Available after successful application ## At a glance — health insurance Austria for foreigners - • **Standard recommendation:** Care Austria ab nur 51,00 € / Monat — generally MA 35-ready, Wahlarzt reimbursement within the policy terms with no deductible. - • **Au-pair year:** Care Au-Pair ab nur 21,00 € / Monat (max. 2 Jahre) (Si/M/XL) — XL incl. liability in the host family household. - • **Deadline:** main-residence Meldezettel within 3 days, insurance proof before the MA 35 appointment (§ 8 NAG, § 11 NAG). - • **Outside Vienna:** 8 Bezirkshauptmannschaften (NÖ, OÖ, Stmk, Sbg, Tirol, Vlbg, Ktn, Bgld) — typically the same requirements. Key facts — Austria health insurance Reviewed August 1, 2026 - **Care Austria:** from €51/month — generally MA 35-ready, Wahlarzt with no deductible within the policy terms. (Source: HanseMerkur AVB 2025). - **Care Au-Pair:** from €21/month (Si) to €43/month (XL) — XL incl. liability & accident. (Source: Care Concept price list 2025). - **ÖGK marginal-earnings threshold (au-pair):** €518.44/month (2025) — above this the host family must register. (Source: gesundheitskasse.at). - **Federal states:** Vienna = MA 35; the other 8 = Bezirkshauptmannschaft at your main residence (§ 8 NAG). (Source: oesterreich.gv.at). ## All Austria guides at a glance ### [Health insurance for international students in Austria](/en/health-insurance-international-students-austria-vienna-graz-salzburg/) Enrolment at University of Vienna, TU Graz, University of Salzburg — ÖGK self-insurance vs. Care Austria, Wahlarzt reimbursement, § 64 NAG. [Open guide](/en/health-insurance-international-students-austria-vienna-graz-salzburg/) ### [MA 35 Vienna: health insurance proof for the residence permit](/en/ma35-vienna-health-insurance-proof-residence-permit-austria/) Required fields (name as in passport, scope, insurer), competent district authorities, step-by-step to your Aufenthaltsbewilligung. [Open guide](/en/ma35-vienna-health-insurance-proof-residence-permit-austria/) ### [Au-pair insurance Austria for foreigners](/en/au-pair-insurance-austria-foreigners/) Care Au-Pair Si/M/XL, liability cover in the host family household, ÖGK registration above €518.44/month pocket money. [Open guide](/en/au-pair-insurance-austria-foreigners/) ## Your situation → the right answer From enrolment at the University of Vienna and an MA 35 first application to a Bezirkshauptmannschaft Salzburg renewal, an au-pair placement in Tyrol, a Wahlarzt invoice you need reimbursed, the switch from au-pair status to studies, or a short visit under 90 days — pick the case that matches yours and follow the answer. [ Student at University of Vienna, TU Graz or University of Salzburg (first enrolment) Care Austria Standard (Wahlarzt reimbursement, no deductible) or ÖGK self-insurance from €51/month · Care Austria ](/en/insurance-plans/care-austria/overview/)[ MA 35 Vienna — first residence permit / Niederlassungsbewilligung MA 35-accepted proof (name as in passport, scope, insurer) — Care Austria as standard from €51/month · MA 35-ready ](/en/ma35-vienna-health-insurance-proof-residence-permit-austria/)[ Bezirkshauptmannschaft (NÖ, OÖ, Stmk, Sbg, Tirol, Vlbg, Ktn, Bgld) — renewal Care Austria with seamless continuation — bring main-residence Meldezettel from €51/month · gap-free ](/en/insurance-plans/care-austria/overview/)[ Au-pair in Vienna, Salzburg, Innsbruck, Graz (DACH region) Care Au-Pair (Si/M/XL) — XL incl. liability in the host family household + accident from €21/month · Care Au-Pair ](/en/insurance-plans/care-au-pair/overview/)[ Wahlarzt appointment planned (gynaecology, orthopaedics, psychotherapy) Care Austria Standard reimburses Wahlarzt within the policy terms with no deductible — submit invoice Reimbursement per AVB ](/en/health-insurance-international-students-austria-vienna-graz-salzburg/)[ Students over 30 / PhD candidates / no ÖGK access Care Austria as private incoming cover; ÖGK self-insurance is typically more expensive and more complex from €51/month · private ](/en/insurance-plans/care-austria/overview/)[ Au-pair year ends — moving on to studies or a job in Austria Switch Care Au-Pair → Care Austria without a new waiting period (same insurer, policy-compliant) Free switch ](/en/au-pair-insurance-austria-foreigners/)[ Short stay < 90 days / Schengen visit to Austria Care Visa Protect — Schengen-compliant (min. €30,000 medical, repatriation) from €0.85/day ](/en/insurance-plans/care-visa-protect/overview/)[ Red-White-Red Card / RWR plus / Blue Card Austria — first job offer Care Austria as bridge cover until ÖGK enrolment via the employer kicks in — accepted by MA 35 and BH from €51/month · bridge ](/en/insurance-plans/care-austria/overview/) ## Common pitfalls in Austria — and how to solve them ### German insurance may not fit Austria For Austrian residence processes, use an Austria-specific option instead of a Germany-focused tariff. ### MA35 documents needed? Care Austria is recognized by Austrian authorities, including MA35, for residence permit use cases. ### 364 days or unlimited? Choose Care Austria 364 for shorter stays or the unlimited Care Austria option for longer stays. ### Education or Standard pricing? Students, language students and au pairs may qualify for Education pricing; other cases use Standard pricing. ## Deadlines & duties in Austria What third-country nationals and EU citizens in Austria should keep on the calendar. 📅 Main residence: Meldezettel within 3 days Required by the Reporting Act; a prerequisite for MA 35 and the Bezirkshauptmannschaft. 🏛️ MA 35 / BH: insurance proof before the appointment Care Austria ab nur 51,00 € / Monat is generally MA 35-ready — confirmation by email immediately. 🎓 Enrolment at University of Vienna / TU Graz: WS & SS deadlines Winter semester usually until early September, summer semester until early February — insurance proof required. 👨‍👩‍👧 Au-pair: ÖGK registration above €518.44/month The host family typically registers; Care Au-Pair adds liability + accident cover. ## What happens without an MA 35-accepted insurance proof? Realistic consequences when the insurance proof is missing, incomplete or does not meet the authority's requirements. 🛑 Application returned No residence permit Without an accepted proof, MA 35 typically returns the file — processing is delayed by weeks. 🏠 No main residence No lease, no job Without a residence permit, typically no long-term lease, no payroll registration and no E-Card. 🏥 €830+/day hospital Self-pay emergency cost Inpatient treatment in Austria typically starts at around €830/day uninsured (ÖGK day-rate guideline 2025) — self-pay rate. - Repeated MA 35 appointments cost weeks — the application has to be filed completely again. - Gaps between ÖGK de-registration and a new policy typically delay the application. - An incorrectly issued proof (e.g. name not exactly as in the passport) is typically not accepted. Check before the MA 35 or BH appointment: name as in passport · insurer · scope Austria/EU · start date before the appointment. ## Competent authority by federal state In Vienna, **MA 35** (Municipal Department 35) is responsible — in the other eight federal states, the **Bezirkshauptmannschaft at your main residence** (in statutory cities such as Linz, Graz or Innsbruck, the city magistrate). For applicants from Pakistan, India, the Philippines, Nigeria, Türkiye, Brazil, Indonesia or Vietnam the process is the same; the office only checks the formal fields on the proof. Vienna MA 35 — Municipal Department 35 (Immigration & Citizenship) First applications & renewals; online appointment booking at wien.gv.at Lower Austria (NÖ) Bezirkshauptmannschaft at your main residence e.g. BH Wien-Umgebung, BH Baden, BH St. Pölten Upper Austria (OÖ) BH or city magistrate of Linz/Wels/Steyr Linz: Magistrat (immigration office) Styria (Stmk) BH or city magistrate of Graz Graz: Magistrat Bürgeramt — residence permits Salzburg BH or city magistrate of Salzburg Main-residence registration is a prerequisite Tyrol (Tirol) BH or city magistrate of Innsbruck Innsbruck: city magistrate — residence permit unit Vorarlberg BH Bregenz, Dornbirn, Feldkirch, Bludenz Typically requires an in-person appointment Carinthia (Ktn) BH or city magistrate of Klagenfurt/Villach Students often need a university confirmation Burgenland BH Eisenstadt, Mattersburg, Neusiedl and others Smaller BHs — appointments tend to be quicker ## Austria vs Germany — quick comparison for foreigners Topic Austria Germany Statutory fund ÖGK (Österreichische Gesundheitskasse) · E-Card GKV (e.g. DAK-Gesundheit) · elektronische Gesundheitskarte Authority for residence permit MA 35 (Vienna) · Bezirkshauptmannschaft (8 other Bundesländer) Ausländerbehörde of the registration district Private incoming option Care Austria from €51/month (Wahlarzt, no deductible) Care Expatriate from €58/month (worldwide incl. home country) Registration deadline Meldezettel within 3 days of moving in Anmeldung within 14 days (§ 17 BMG) Moving between the two? See our German hub: [health insurance for foreigners in Germany](/krankenversicherung-auslaender-deutschland/) · or the Austria main portal: [Krankenversicherung Ausländer Österreich](/krankenversicherung-auslaender-oesterreich/). ## Jump to the right plan Care Austria is the standard recommendation for long-term stays in Austria (studies, residence permit, Niederlassungsbewilligung). Care Au-Pair is designed for the au-pair year in DACH. ⭐ Recommended — long-term & MA 35 ### Care Austria ab nur 51,00 € / Monat · open-ended For students, self-employed and third-country nationals in Austria (0–74 yrs). - MA 35-accepted insurance proof in most cases — confirmation by email immediately. - Wahlarzt reimbursement within the policy terms, no deductible. - Inpatient and outpatient care across Austria. - Seamless renewal — no waiting period on continuation. - Generally accepted by University of Vienna, TU Graz, University of Salzburg, Bezirkshauptmannschaften. Why Care Austria? A long-established option for international students over 30, PhD candidates and applicants without ÖGK access — Wahlarzt reimbursement typically with no deductible within the policy terms, worldwide cover incl. the home country for acute emergencies. Buy once, years of peace of mind The open-ended variant continues monthly — for residence-permit renewal an updated insurance certificate is generally enough. - 🏛️ Accepted by MA 35 Vienna & Bezirkshauptmannschaften - 📄 PDF confirmation immediately after purchase - 🔒 HanseMerkur Versicherungsgruppe / Advigon - 🏷️ No medical exam within the policy terms [Apply for Care Austria — ab nur 51,00 € / Monat](/en/insurance-plans/care-austria/apply/) [Plan details](/en/insurance-plans/care-austria/overview/) Au-pair year in DACH ### Care Au-Pair ab nur 21,00 € / Monat (bis 2 Jahre) · up to 2 years For au-pairs (up to 35 yrs) in Austria, Germany, Switzerland. - Medical treatment within the policy terms — Si, M, XL depending on need. - XL incl. private and sports liability (host family household). - XL incl. accident cover with disability benefit. - Generally accepted by embassies, consulates and host families. - Switch option Care Au-Pair → Care Austria after the au-pair year. Why Care Au-Pair? ÖGK only covers the sickness risk above €518.44 pocket money — Care Au-Pair adds liability cover in the host family household (broken dishes, damaged furniture) and accident cover with disability benefit. Buy once, whole au-pair year covered Term up to 24 months — covers the typical au-pair year plus an optional extension in a single policy. - 🏛️ Accepted by embassy, consulate, host family - 📄 PDF confirmation immediately after purchase - 🔒 HanseMerkur Versicherungsgruppe / Advigon - 🏷️ XL = medical + liability + accident [Apply for Care Au-Pair — ab nur 21,00 € / Monat (bis 2 Jahre)](/en/insurance-plans/care-au-pair/apply/) [Plan details](/en/insurance-plans/care-au-pair/overview/) ### Care Austria — all prices by age ### Care Austria Education For training stays in Austria (students, language students, PhD candidates, au pairs · age 12–35) Age up to 364 days unlimited 12 – 35 years €51.00 / month €56.00 / month ### Care Austria Standard For all other residence purposes in Austria Age up to 364 days unlimited 0 – 64 65 – 74 0 – 49 50 – 64 65 – 74 Premium €95.00 / month €219.00 / month €155.00 / month €222.00 / month €510.00 / month All prices per month/person in euros. Recognised by MA 35 (Vienna) and the relevant district authority. Free choice of doctor + private clinics included, no deductible. Entry age 0–74. As of 2026. [Care Austria — Overview](/en/insurance-plans/care-austria/overview/) [Apply now](/en/insurance-plans/care-austria/overview/) Alternative: Care Au-Pair — all prices by age & tier Care Au-Pair Care Au-Pair SI Care Au-Pair S Bestseller Care Au-Pair M Care Au-Pair XL Monthly premium (€/month) €21.00 / month €26.00 / month €35.00 / month €43.00 / month Deductible 50 €/case 35 €/case 0 € 0 € All prices per month/person in euros. Entry age up to 35. Term 1–24 months. Insurable groups include foreign au pairs with permanent residence abroad during a stay in Germany, plus German/Austrian residents abroad. Scope depends on residence, host country and tariff conditions; USA, Canada and Mexico excluded. 3-month post-contract liability (all plans). As of 2026. [Care Au-Pair — Overview](/en/insurance-plans/care-au-pair/overview/) [Apply now](/en/insurance-plans/care-au-pair/overview/) ## Why apply through our portal? Since 2009 we have guided international students, au-pairs and families through the Austrian residence-permit process — saving the typical authority marathon. Part of [health insurance for foreigners in Austria](/krankenversicherung-auslaender-oesterreich/) — our main portal with every plan, price comparison and use case for MA 35, the Bezirkshauptmannschaften and ÖGK. - 24/7 online application — confirmation by email right away. - Free advice in English and German. - MA 35-ready proof with name as in passport + scope Austria/EU. - Switch option Care Au-Pair → Care Austria without waiting period (au-pair → studies/job). ## Frequently searched on Austria [University of Vienna enrolment](/en/health-insurance-international-students-austria-vienna-graz-salzburg/)[TU Graz students](/en/health-insurance-international-students-austria-vienna-graz-salzburg/)[MA 35 first application](/en/ma35-vienna-health-insurance-proof-residence-permit-austria/)[Bezirkshauptmannschaft](/en/ma35-vienna-health-insurance-proof-residence-permit-austria/)[Au-pair Vienna](/en/au-pair-insurance-austria-foreigners/)[Wahlarzt reimbursement](/en/health-insurance-international-students-austria-vienna-graz-salzburg/)[Care Austria plan](/en/insurance-plans/care-austria/overview/)[Care Au-Pair plan](/en/insurance-plans/care-au-pair/overview/) ## Frequently asked questions ### Which health insurance does MA 35 Vienna accept for the residence permit? ### Care Austria vs. ÖGK self-insurance — what works for international students? ### Au-pair in Austria — who registers with ÖGK? ### How much does Care Austria reimburse for Wahlarzt visits? ### Does Care Austria also cover treatment in my home country? ### How can I renew my residence permit without a gap in health insurance? ### Family reunification in Austria: which health insurance does MA 35 expect? ### Red-White-Red Card (plus) — is private health insurance accepted as proof? ### What documents do applicants from Pakistan, India, Bangladesh or Vietnam need for MA 35? ### Do Bezirkshauptmannschaften accept Care Austria for applicants from Nigeria, the Philippines or Indonesia? ### Do I need an apostilled birth certificate from Türkiye or Brazil for the Austrian residence permit? ### Do I need private health insurance for a Red-White-Red Card or Blue Card Austria? ### What's the difference between ÖGK self-insurance and private incoming insurance in Austria? ### Is there an English-language equivalent of the Austrian E-Card? ### How much does health insurance for foreigners cost in Austria? ### Do international students need health insurance for an Austria student visa? ### Can I get health insurance in Austria in English? ### Is travel insurance enough for an Austrian residence permit? ### What is the ÖGK (Österreichische Gesundheitskasse)? 4,9/5 458 Kundenrückmeldungen · [eigene Befragung](/bewertungen-methodik/) Über 10.000 Versicherungsabschlüsse · Seit 2009 ## Secure your stay in Austria in 3 steps — MA 35-ready in most cases [Apply for Care Austria ab nur 51,00 € / Monat ](/en/insurance-plans/care-austria/apply/)[Apply for Care Au-Pair ab nur 21,00 € / Monat (bis 2 Jahre) ](/en/insurance-plans/care-au-pair/apply/)[30-second plan finder](/en/tariffinder-germany/) [🔍 Tariffinder](/tariffinder/)[📋 Alle Tarife](/produktuebersicht/) 🏛️ Behörden-anerkannt 📄 Sofort-Nachweis 🔒 DAK / HanseMerkur 🏷️ Transparente Preise German version of this guide: [Ratgeber Krankenversicherung Österreich](/ratgeber-krankenversicherung-oesterreich/). **Authority & visa searches:** MA 35 Vienna insurance proof, MA 35 appointment Vienna, residence permit Austria insurance, Niederlassungsbewilligung insurance proof in English, Aufenthaltsbewilligung Austria, Red-White-Red Card insurance requirement, Red-White-Red Card plus health insurance, EU Blue Card Austria health insurance, austria work visa insurance, permanent residence austria insurance proof, austrian embassy health insurance letter, austria visa health insurance requirement, austrian government health insurance for foreigners, Bezirkshauptmannschaft insurance proof, Anmeldebescheinigung EU citizens Austria. **Student & au-pair searches:** health insurance for international students Vienna Graz Salzburg, university Vienna enrolment insurance, TU Graz international students insurance, University of Salzburg health insurance, MedUni Wien international students, Erasmus health insurance Austria, study abroad Austria insurance, au pair Austria health insurance, au pair Vienna insurance, au pair Innsbruck insurance, au pair host family liability Austria, Studienkolleg Austria health insurance, PhD candidate insurance Austria, doctoral student insurance Vienna. **Expat, work & family searches:** private health insurance Austria, private health insurance Vienna, international health insurance Austria, expat insurance Austria, expat health insurance Vienna comparison, digital nomad Austria insurance, freelance visa Austria insurance, self insurance Austria, ÖGK self-insurance students, ÖGK English information, austrian health care for foreigners, social security number Austria for ÖGK, e-card Austria foreigners, family reunification Austria insurance, spouse visa Austria health insurance, travel insurance Austria long stay, Schengen visa Austria insurance proof, EHIC alternative Austria, working holiday visa Austria insurance, seasonal worker insurance Austria DACH, how to get quick temporary health insurance Austria, what health insurance do I need to live in Austria, best health insurance for residence permit Austria, Austria vs Germany health insurance, inbound expatriate insurance Austria, krankenversicherung auf englisch Österreich. **Country-of-origin searches:** health insurance Austria for Pakistani students, India to Austria residence permit insurance, Philippines au-pair Austria insurance, Nigeria Austria student visa health insurance, Türkiye Austria MA 35 documents, Brazil Austria apostille residence permit, Indonesia Austria insurance proof MA 35, Vietnam Austria residence permit insurance, Bangladesh Austria student insurance Care Austria, Egypt Austria Niederlassungsbewilligung insurance. Editorial information, not insurance advice. MA 35 and the Bezirkshauptmannschaften decide case-by-case; the exact terms of cover follow the HanseMerkur AVB 2025. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: August 1, 2026.