German insurance may not fit Austria
For Austrian residence processes, use an Austria-specific option instead of a Germany-focused tariff.
1Step 1/3: Check plan (you are here)2Step 2/3: Get PDF proof3Step 3/3: Submit to authority
Compare Plans & Proof →
Quellen: oesterreich.gv.at · wien.gv.at · gesundheitskasse.at · bmsgpk.gv.at · HanseMerkur AVB 2025 · § 8/11/64 NAG
4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued
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+ DACH policies since 2009 · accepted in most MA 35 cases (HanseMerkur AVB 2025)
“After the au-pair year, switched to Care Austria with no waiting period.” — A. N. (Innsbruck), 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 practiceGDPR/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)
No commitment · monthly cancellation · confirmation by email (typically immediate).
Reviewed by the Care Concept editorial team · last reviewed 2. Juli 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 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 Apply for Care Au-Pair — ab nur 21,00 € / Monat (bis 2 Jahre)30-second plan finder
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
All Austria guides at a glance
Health insurance for international students in Austria
Enrolment at University of Vienna, TU Graz, University of Salzburg — ÖGK self-insurance vs. Care Austria, Wahlarzt reimbursement, § 64 NAG.
Open guideMA 35 Vienna: health insurance proof for the residence permit
Required fields (name as in passport, scope, insurer), competent district authorities, step-by-step to your Aufenthaltsbewilligung.
Open guideAu-pair insurance Austria for foreigners
Care Au-Pair Si/M/XL, liability cover in the host family household, ÖGK registration above €518.44/month pocket money.
Open guideYour 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
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
Bezirkshauptmannschaft (NÖ, OÖ, Stmk, Sbg, Tirol, Vlbg, Ktn, Bgld) — renewal
Care Austria with seamless continuation — bring main-residence Meldezettel
from €51/month · gap-free
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
Wahlarzt appointment planned (gynaecology, orthopaedics, psychotherapy)
Care Austria Standard reimburses Wahlarzt within the policy terms with no deductible — submit invoice
Reimbursement per AVB
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
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
Short stay < 90 days / Schengen visit to Austria
Care Visa Protect — Schengen-compliant (min. €30,000 medical, repatriation)
from €0.85/day
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
Common pitfalls in Austria — and how to solve them
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.
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 · or the Austria main portal: Krankenversicherung Ausländer Österreich.
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.
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
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
Care Austria — all prices by age
Care Austria EducationFür Ausbildung in Österreich (Studenten, Sprachschüler, Doktoranden, Au-pairs · Alter 12–35)
| Alter | bis 364 Tage | unbegrenzt |
|---|---|---|
| 12 – 35 Jahre | 51,– € / Monat | 56,– € / Monat |
Care Austria StandardFür alle anderen Aufenthaltsgründe in Österreich
| Alter | bis 364 Tage | unbegrenzt | |||
|---|---|---|---|---|---|
| 0 – 64 | 65 – 74 | 0 – 49 | 50 – 64 | 65 – 74 | |
| Prämie | 95,– € / Monat | 219,– € / Monat | 155,– € / Monat | 222,– € / Monat | 510,– € / Monat |
Alle Preise pro Monat/Person in Euro. Anerkannt von der MA 35 (Wien) bzw. Bezirkshauptmannschaft. Wahlarzt + Privatkliniken inkludiert, kein Selbstbehalt. Eintrittsalter 0–74 Jahre. Stand 2026.
Alternative: Care Au-Pair — all prices by age & tier
| Care Au-Pair |
Care Au-Pair SI
|
Care Au-Pair S
|
BestsellerCare Au-Pair M
|
Care Au-Pair XL
|
|---|---|---|---|---|
| Monatsprämie (€/Monat) | 21,– € / Monat | 26,– € / Monat | 35,– € / Monat | 43,– € / Monat |
| Selbstbeteiligung | 50 €/Fall | 35 €/Fall | 0 € | 0 € |
Alle Preise pro Monat/Person in Euro. Eintrittsalter bis 35 Jahre. Laufzeit 1–24 Monate. Versicherbar sind ausländische Au-pairs mit ständigem Wohnsitz im Ausland während eines Aufenthalts in Deutschland sowie deutsche/österreichische Versicherte im Ausland; Geltungsbereich abhängig von Wohnsitz, Gastland und Tarifbedingungen, USA, Kanada und Mexiko ausgenommen. Nachhaftung 3 Monate (alle Tarife). Stand 2026.
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 — 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
Frequently asked questions
4,9/5
Über 10.000 Versicherungsabschlüsse · Seit 2009
Secure your stay in Austria in 3 steps — MA 35-ready in most cases
Apply for Care Austriaab nur 51,00 € / MonatApply for Care Au-Pairab nur 21,00 € / Monat (bis 2 Jahre)30-second plan finder
🏛️ Behörden-anerkannt📄 Sofort-Nachweis🔒 DAK / HanseMerkur🏷️ Transparente Preise
German version of this guide: Ratgeber Krankenversicherung Österreich.
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.