---
title: "From €51/mo · Health Insurance for Foreigners in Austria"
description: "Accepted by MA 35 Vienna and the Bezirkshauptmannschaft for your residence permit. 364-day or unlimited terms; the certificate usually arrives by email at once."
lang: en
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          "name": "How much is health insurance for foreigners in Austria?",
          "acceptedAnswer": {
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            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Care Austria — the standard private Incoming tariff accepted by MA 35 Wien and the Bezirkshauptmannschaft — starts at €51/month on the Education variant (training stays, ages 12–35) and €95/month on the Standard variant for the 0–64 age band (€155/month at 50–64, €219/month at 65–74 on the 364-day option, €510/month at 65–74 unlimited). Wahlarzt access is included and there is no Selbstbehalt. See the Care Austria price table below for every age band and duration combination."
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            "text": "Yes — Care Austria meets MA 35's requirements for proof of comprehensive health insurance and is the standard private solution we see accepted for the Aufenthaltstitel (Rot-Weiß-Rot Karte, Niederlassungsbewilligung, Aufenthaltsbewilligung) and for the EU Anmeldebescheinigung (§ 51 NAG). Final acceptance always rests with the responsible MA 35 case officer or the regional Bezirkshauptmannschaft."
          }
        },
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          "@type": "Question",
          "name": "Can I see any doctor with Care Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Yes. Care Austria explicitly covers Wahlarzt visits — doctors who are not under contract with ÖGK (Österreichische Gesundheitskasse) — alongside Vertragsärzte and private clinics (Privatkliniken). Patients pay upfront at the Wahlarzt practice and submit the invoice for reimbursement up to the policy limits."
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        {
          "@type": "Question",
          "name": "Is there a deductible (Selbstbehalt) with Care Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. No. Care Austria has no Selbstbehalt: insured costs are fully reimbursed up to the policy limits. This is a major advantage versus many international Incoming products for Austria, which often apply a per-visit or per-year deductible."
          }
        },
        {
          "@type": "Question",
          "name": "What is the difference between Care Austria Education and Standard?",
          "acceptedAnswer": {
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            "text": "Standard covers every other residence purpose (employment, freelancing, family reunification, retirement, Niederlassungsbewilligung) for entry ages 0–74. Education is reserved for training stays in Austria — students, language-school students, PhD candidates and au pairs — and is priced at €51/month (up to 364 days) or €56/month (unlimited contract) for entry ages 12–35. Standard premiums scale by age: from €95/month at 0–64 on the 364-day variant up to €510/month at 65–74 on the unlimited variant. See the price table below for every combination."
          }
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        {
          "@type": "Question",
          "name": "Does Care Austria cover the EU Anmeldebescheinigung (§ 51 NAG)?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "EU/EEA/Swiss citizens staying longer than three months in Austria must register at MA 35 or the Bezirkshauptmannschaft and prove comprehensive health insurance under § 51 NAG. Yes. Care Austria meets that requirement when the applicant is not enrolled in ÖGK through employment, university studies or Form S1."
          }
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        {
          "@type": "Question",
          "name": "I am only in Austria for a short visit on a Schengen visa — what insurance do I need?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "85/day (minimum €7. For stays up to 92 days a Schengen-compliant travel medical policy is enough: Care Visa Protect from €0. 50) meets the EU Visa Code (Regulation 810/2009) minimum of €30,000 medical cover plus repatriation — the format Austrian consulates routinely accept for the C-visa file. Final acceptance always rests with the consular officer; see the official Austrian Federal Ministry of Foreign Affairs guidance at bmeia. gv. at. For stays beyond 90 days a national D-visa and Care Austria (long-stay) are the standard combination."
          }
        },
        {
          "@type": "Question",
          "name": "I am moving from Germany to Austria — can I keep my GKV or Care Expatriate cover?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Expatriate (Germany Incoming) is geographically scoped and is normally replaced by Care Austria on the move because MA 35 verifies an Austria-valid policy. GKV stops on the day you leave Germany unless you remain employed by a German employer. The clean route is to time the cancellation of the Germany cover with the Austrian Meldezettel (residence registration) and the Care Austria start date."
          }
        },
        {
          "@type": "Question",
          "name": "Are pre-existing conditions covered by Care Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Review the AVB §§ 5 and 7 before signing. Care Austria is an Incoming tariff designed for acute care and emergencies during the Austrian stay. Chronic pre-existing conditions can be excluded or limited per the Care Concept AVB (§ 5 / § 7) — there is no medical underwriting at sign-up, but claims for known chronic conditions may be denied. For applicants with significant pre-existing conditions, a long-term substitutive Austrian private policy with health questions can be the better fit; we recommend checking before the MA 35 appointment."
          }
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        {
          "@type": "Question",
          "name": "Does the Care Austria certificate need to be in German or English?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. MA 35 and the Bezirkshauptmannschaft accept Care Austria certificates as issued: they are bilingual (German + English) PDFs from Care Concept, so the case officer always has the German wording on the same document. No translation is needed."
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          "@type": "Question",
          "name": "Does Austria have universal healthcare for foreigners?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Statutory cover is delivered by ÖGK (Österreichische Gesundheitskasse) for employees, students at public universities and EU pensioners with Form S1. Austria's healthcare system is mandatory and contribution-based, not free at point of use. Freelancers (Neue Selbständige), retirees outside Form S1 and family-reunification applicants normally fall outside ÖGK and need private Incoming cover such as Care Austria for the residence permit."
          }
        },
        {
          "@type": "Question",
          "name": "Can I switch from Care Austria to ÖGK later?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes — if your situation changes — for example you start an employment contract subject to ASVG or enrol at a public university — you can move to ÖGK. Care Austria can then be cancelled in line with the AVB notice period. Many foreigners use Care Austria as the bridge during job-search or pre-enrolment months and switch to ÖGK once statutory cover starts."
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        {
          "@type": "Question",
          "name": "What does Care Austria cost for retirees aged 65 or 70 in Austria?",
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            "@type": "Answer",
            "text": "At entry age 65–74, Care Austria Standard costs €219/month on the 364-day variant and €510/month on the unlimited variant. The premium is locked at the entry-age band for the contract length, so signing before crossing into a higher band can lower the monthly cost. Care Austria accepts new contracts up to age 74; for older applicants a long-term Austrian private policy is normally the route."
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          "@type": "Question",
          "name": "How much does health insurance cost in Austria for foreigners overall?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "For private long-stay Incoming cover, Care Austria starts at €51/month on the Education variant (ages 12–35) and €95/month on the Standard variant for the 0–64 age band. Statutory ÖGK contributions for an ASVG-eligible employee are roughly 7.65% of the gross salary (split between employer and employee). Voluntary ÖGK self-insurance currently sits in the region of €505/month (2026 indicative figure published by ÖGK — check the current contribution table at sozialversicherung.at). For most newcomers without an ASVG job, the private Care Austria certificate is therefore the lowest-cost route to a valid Krankenversicherungsnachweis for MA 35."
          }
        },
        {
          "@type": "Question",
          "name": "How do I get health insurance in Austria as a foreigner before the MA 35 appointment?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Three practical steps: (1) Choose Care Austria Education (training stays, 12–35) or Care Austria Standard (every other purpose, 0–74). (2) Apply online — the bilingual Krankenversicherungsnachweis (DE/EN) is emailed in about 10 minutes. (3) Attach the PDF to the MA 35 / Bezirkshauptmannschaft file or bring the printed certificate to the appointment. The MA 35 case officer issues the binding decision on the residence permit."
          }
        },
        {
          "@type": "Question",
          "name": "What is a Meldezettel and do I need one for health insurance in Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "It is required before MA 35 will process a residence-permit file. A Meldezettel is the Austrian address-registration form filed at the Meldeservice within three working days of moving in. Care Austria does not require a Meldezettel to issue the certificate, but MA 35 will ask for both the Meldezettel and the Krankenversicherungsnachweis at the appointment."
          }
        },
        {
          "@type": "Question",
          "name": "Do US citizens need a visa for Austria, and do they need separate health insurance?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "US passport holders can enter Austria visa-free for up to 90 days within any 180-day window (Schengen rule). For that period a Care Visa Protect policy from €0.85/day satisfies the EU Visa Code (Regulation 810/2009) minimum of €30,000 medical cover plus repatriation. For stays beyond 90 days — Red-White-Red Card, student residence permit or family reunification — Americans need a national D-visa and long-stay cover; Care Austria (from €51/month) is the standard private solution recognised by MA 35."
          }
        },
        {
          "@type": "Question",
          "name": "How do I get an e-card in Austria — and what if I am only on Care Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "The Austrian e-card is issued automatically by ÖGK after the first statutory contribution (employer registration, SVS registration or Form S1 from a home EU fund). People who are only on Care Austria do not receive an e-card; they present the Care Austria certificate at the doctor's practice (Wahlarzt or Vertragsarzt) and submit invoices for reimbursement up to the policy limits."
          }
        },
        {
          "@type": "Question",
          "name": "I am on a Red-White-Red Card — does Care Austria count as comprehensive cover for MA 35?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes — the certificate is issued bilingually (DE/EN). Final acceptance always rests with the responsible MA 35 case officer."
          }
        },
        {
          "@type": "Question",
          "name": "Does Austria have a digital nomad visa for remote workers?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Austria has no dedicated digital-nomad visa as of 2026 — unlike Spain, Portugal, Estonia or Croatia. Remote workers either enter visa-free on Schengen rules (up to 90 days in any 180-day window, covered by Care Visa Protect from €0.85/day) or apply for the Rot-Weiß-Rot Karte — Selbständige Schlüsselkraft / Start-up Founder route, which behaves like a long-stay residence permit and requires comprehensive health insurance for MA 35 — Care Austria Standard from €95/month is the standard private route (subject to MA 35 review). For current entry guidance see bmeia.gv.at; for ÖGK contribution figures see sozialversicherung.at."
          }
        },
        {
          "@type": "Question",
          "name": "What is the cost of living in Vienna for international students, and what does insurance add?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Living expenses in Vienna for international students typically run €900–1,300/month for a small flat in the outer districts plus food, transport and study materials (Statistik Austria). Care Austria Education adds €51/month — the lowest-cost certificate accepted by MA 35 for the student residence permit. Public-university students who finalise enrolment can later switch to ÖGK student cover; Care Austria bridges the months before enrolment is complete."
          }
        },
        {
          "@type": "Question",
          "name": "How long can I stay outside Austria with a residence permit?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Holders of a Niederlassungsbewilligung or Daueraufenthalt – EU can normally stay outside Austria up to twelve consecutive months without losing the permit (NAG § 20). For the Aufenthaltstitel — Rot-Weiß-Rot Karte and Aufenthaltsbewilligung the rule is six months. Care Austria stays valid during temporary absences worldwide per the AVB; check the policy document for country-specific exclusions before long trips."
          }
        },
        {
          "@type": "Question",
          "name": "Do UK citizens need a visa for Austria after Brexit, and what insurance do they need?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Since Brexit, UK passport holders enter Austria as third-country nationals: visa-free for up to 90 days in any 180-day window (Schengen), then a national D-visa and Aufenthaltstitel for longer stays. Care Visa Protect from €0.85/day covers the visa-free window and meets the EU Visa Code (Regulation 810/2009) minimum of €30,000 medical cover plus repatriation. For Rot-Weiß-Rot Karte, student or family-reunification stays, Care Austria Standard from €95/month is regularly accepted by MA 35 as proof of comprehensive cover; the case officer makes the final call. Confirm current entry rules at bmeia.gv.at before booking."
          }
        },
        {
          "@type": "Question",
          "name": "Is Austria a good place to live as a foreigner, and how complicated is the health-insurance side?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Austria ranks consistently high in expat quality-of-life surveys for safety, public transport and healthcare access — Vienna alone has topped the Mercer ranking for over a decade. The health-insurance side is bureaucratic but predictable: either you qualify for ÖGK (employee, public-university student, EU pensioner on Form S1) or you take private long-stay Incoming cover such as Care Austria for the MA 35 file. Most foreigners arrive on the private route and switch to ÖGK once a contract or enrolment is in place."
          }
        },
        {
          "@type": "Question",
          "name": "What is the Meldezettel and how do I get one in Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "The Meldezettel is Austria's address-registration form (Meldegesetz § 3). Every new resident — EU and non-EU alike — files it at the Meldeamt or Magistrat (Wien, Graz, Linz, Salzburg, Innsbruck, Klagenfurt) within three working days of moving in. The Meldezettel formular can be downloaded from the municipality, or in many cities filled in as an online Meldezettel; you need the passport, the landlord's signature and the lease. Filing is free in most municipalities. MA 35 and the Bezirkshauptmannschaft will not open a residence-permit file without it — and the Care Austria Krankenversicherungsnachweis is then attached to the same MA 35 appointment."
          }
        },
        {
          "@type": "Question",
          "name": "How much bank balance is required for an Austria student visa?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "06/month of guaranteed funds and applicants 24+ around €1,273. For the Austria student visa (Aufenthaltsbewilligung — Student) applicants under 24 must show roughly €682. 99/month (2026 indicative figures based on the ASVG Ausgleichszulagenrichtsatz — confirm the current value with the Austrian consulate). That works out to about €8,200 (under 24) or €15,300 (24+) for the first twelve months. Comprehensive health insurance — Care Austria Education from €51/month — is a separate, additional requirement on the MA 35 file."
          }
        },
        {
          "@type": "Question",
          "name": "Do US citizens need a visa to move to Austria?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "85/day. Visa-free for up to 90 days within any 180-day window under the Schengen short-stay rule — fine for tourism, family visits and business meetings, and well-served by Care Visa Protect from €0. For any stay beyond 90 days (study, work, Red-White-Red Card, family reunification, retirement) US passport holders need a national D-visa and an Austrian Aufenthaltstitel through MA 35 or the Bezirkshauptmannschaft. On the long-stay file, Care Austria Standard from €95/month is the standard private Krankenversicherungsnachweis we see accepted. Confirm current US-citizen entry rules at bmeia. gv. at."
          }
        },
        {
          "@type": "Question",
          "name": "How do I get an e-card in Austria as a foreigner — and what bridges the wait?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. The Austrian e-card (the elektronische Gesundheitskarte equivalent for Austria) is issued by ÖGK only after a statutory insurance event opens: an ASVG employment contract, SVS/GSVG registration as Neue Selbständige, public-university enrolment, or Form S1 from a home EU statutory fund. ÖGK then posts the e-card to the registered Austrian address typically within two to four weeks. People without a statutory trigger — freelancers below the SVS threshold, retirees outside Form S1, family-reunification cases — do not receive an e-card and use private Care Austria instead: the bilingual Krankenversicherungsnachweis is shown at the practice, the Wahlarzt-Honorarnote is reimbursed up to the policy limits. For e-card details (e card beantragen, nachbestellen, ohne foto) see the official ÖGK guidance at gesundheitskasse.at."
          }
        },
        {
          "@type": "Question",
          "name": "What is the Red-White-Red Card and who qualifies for it?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "It is issued by MA 35 or the Bezirkshauptmannschaft on a points test under § 41 NAG. The Rot-Weiß-Rot Karte (Red-White-Red Card) is Austria's main work-and-residence title for very-highly-qualified third-country workers, skilled workers in shortage occupations, graduates of Austrian universities, self-employed key workers and start-up founders. Health-insurance proof is mandatory at issue and at every renewal — until ASVG/ÖGK registration through the new Austrian employer becomes active, Care Austria Standard from €95/month is the standard bridge cover. Card holders can later switch to Rot-Weiß-Rot Karte plus or Daueraufenthalt – EU after meeting the integration milestones."
          }
        },
        {
          "@type": "Question",
          "name": "Can I keep my Care Austria policy if I move from Vienna to Salzburg or Graz?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes — Care Austria is a single Austrian policy that covers treatment anywhere in Austria — Wien, Graz, Salzburg, Linz, Innsbruck, Klagenfurt and every other Bundesland. Moving inside Austria does not end the policy; you only update the Meldezettel at the new Meldeamt and send the new address to Care Concept."
          }
        },
        {
          "@type": "Question",
          "name": "Does Austria have a digital nomad visa in 2026 — and what cover do remote workers use?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Austria still has no dedicated digital-nomad visa in 2026. Remote workers either stay visa-free on Schengen rules for up to 90 days in any 180-day window — covered by Care Visa Protect from €0.85/day on the EU Visa Code minimum of €30,000 medical cover plus repatriation — or apply for the Rot-Weiß-Rot Karte – Selbständige Schlüsselkraft or Start-up Founder route, which is the closest long-stay equivalent. The long-stay route requires comprehensive health insurance valid in Austria and is normally bridged with Care Austria Standard from €95/month until the new ASVG / SVS registration is active. Final acceptance always rests with MA 35."
          }
        },
        {
          "@type": "Question",
          "name": "I am from Pakistan moving to Austria — is Care Austria accepted by MA 35 for my Aufenthaltstitel?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes — Care Austria is regularly accepted by MA 35 Wien and the Bezirkshauptmannschaft as the Krankenversicherungsnachweis for Pakistani nationals applying for the Rot-Weiß-Rot Karte, the Student Aufenthaltsbewilligung, the EU Blue Card or family reunification. The bilingual DE/EN PDF is delivered to your inbox without a medical questionnaire, German-language proof or Austrian bank account — so you can attach it to the visa file at the Austrian embassy in Islamabad before travel. Final acceptance always rests with the consular officer and MA 35."
          }
        },
        {
          "@type": "Question",
          "name": "Can Indian students or skilled workers use Care Austria for the Austrian residence permit?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes — Indian students, PhD researchers and Rot-Weiß-Rot Karte applicants are among the most common Care Austria policy holders we see at MA 35 Wien and the Bezirkshauptmannschaft files in Graz, Linz and Salzburg. Care Austria Education from €51/month covers university enrolment and language-school stays (ages 12–35); Care Austria Standard from €95/month covers EU Blue Card, Rot-Weiß-Rot Karte, freelancer (Neue Selbständige) and family-reunification routes for ages 0–74. The certificate is issued in English and German, accepted by the Austrian embassy in New Delhi for the national D-visa file, and there is no Selbstbehalt or medical questionnaire."
          }
        },
        {
          "@type": "Question",
          "name": "Do Filipino au pairs, Nigerian PhD candidates or Turkish family-reunification applicants need a different policy?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Education (€51/month, ages 12–35) is the standard fit for au pairs, language students and PhD researchers; Standard (from €95/month, ages 0–74) covers family-reunification, skilled-worker and retiree routes. No — the same Care Austria tariff covers all third-country nationals from the Philippines, Nigeria, Türkiye, Brazil, Indonesia, Vietnam and beyond. Care Austria does not condition the price on nationality or country of origin — only on entry age and contract length — and the Krankenversicherungsnachweis is issued in English and German for every applicant. Final acceptance always rests with the responsible MA 35 case officer or the regional Bezirkshauptmannschaft."
          }
        },
        {
          "@type": "Question",
          "name": "What is the standard health insurance for expats in Vienna?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. For health insurance for expats in Vienna, the standard route is Care Austria. The same policy serves as international student insurance Vienna at the University of Vienna, TU Wien and WU, and as the everyday Krankenversicherung Wien für Ausländer for skilled-worker, freelancer and family-reunification cases. New residents file the Meldezettel Wien within three working days (Meldezettel online where the city offers it, otherwise the paper Meldezettel formular at the Bezirksamt) and then attach the Care Austria PDF to the MA 35 file. This is the path most expats in Austria health system newcomers use across Wien, Graz, Linz, Salzburg, Innsbruck and Klagenfurt."
          }
        },
        {
          "@type": "Question",
          "name": "Which Krankenversicherungsnachweis does MA 35 actually accept for the Aufenthaltstitel?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Care Austria is the standard MA 35 health insurance certificate — a bilingual DE/EN PDF that MA 35 in Vienna accepts as the Krankenversicherung for the Aufenthaltstitel, and that the Bezirkshauptmannschaft offices in Graz, Linz, Salzburg, Innsbruck and Klagenfurt accept as their equivalent Krankenversicherung document. The same Care Austria certificate, often searched as Krankenversicherung Ausländer Österreich, covers every Austrian residence-permit health insurance file: the Rot-Weiß-Rot Karte route for skilled workers (where it serves as the Krankenversicherung for the Rot-Weiß-Rot Karte file), the Niederlassungsbewilligung route for settled residents and retirees (the Niederlassungsbewilligung Krankenversicherung in Österreich), and the § 51 NAG route for EU, EEA and Swiss citizens (where it covers the Krankenversicherung side of the Anmeldebescheinigung Österreich). Third-country nationals applying for an Austria residence permit — applicants from India, the Philippines, Nigeria, Türkiye, Brazil and beyond — use exactly the same Care Austria policy as EU applicants do when filing the Anmeldebescheinigung Österreich."
          }
        },
        {
          "@type": "Question",
          "name": "What is the Care Austria Education price and the Care Austria Standard price in 2026?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "The Care Austria Education price starts at €51/month on the 364-day variant (€56/month on the unlimited contract) for ages 12–35 on training stays. The Care Austria Standard price starts at €95/month for the 0–64 age band, rises to €155/month at 50–64, and reaches €219/month at 65–74 on the 364-day option or €510/month at 65–74 on the unlimited contract. For most newcomers this is the lowest mainstream health insurance cost in Austria for the MA 35 file. Because Care Austria runs with no Selbstbehalt, it is also one of the few private health insurance options in Austria without a deductible, and Wahlarzt insurance in Austria is included by default — so a Wahlarzt-Honorarnote (the invoice you receive from a non-contract doctor, the classic Wahlarzt Honorarnote) is reimbursed up to the policy limits. The statutory Rezeptgebühr in Österreich (€7.55 per item in 2026, indicative — confirm at sozialversicherung.at) only applies to ÖGK-billed prescriptions; on Care Austria, prescriptions are reimbursed by invoice instead."
          }
        },
        {
          "@type": "Question",
          "name": "When does ÖGK open for a foreigner, and what about the e-card?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. The ÖGK pathway for a foreigner — the Österreichische Gesundheitskasse route — only opens once a statutory trigger fires: ASVG employment, SVS registration as Neue Selbständige, public-university enrolment, or Form S1 from a home EU fund. Until one of those triggers fires there is no e-card pathway for a foreigner in Austria, and on the long-running GKK-vs-Wahlarzt choice in Austria, Care Austria explicitly includes Wahlarzt access from day one. The Austrian e-card itself — the elektronische Gesundheitskarte in Österreich, the local equivalent of Germany's eGK — is posted by ÖGK two to four weeks after the first contribution; if it is lost, you use the e-card nachbestellen process via gesundheitskasse.at. People who are only on Care Austria do not receive an e-card and simply present the Care Austria PDF at the practice instead."
          }
        },
        {
          "@type": "Question",
          "name": "Which newcomer audiences does Care Austria cover, and which variant does each one need?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "For PhD researcher health insurance in Austria the Education variant fits (€51/month, ages 12–35). Care Austria is the standard private route for every newcomer audience without an ASVG contract. The same Education band is also the everyday au pair health insurance in Austria. For freelancer health insurance in Austria — the Neue Selbständige route — Care Austria Standard from €95/month is the typical fit. And for family reunification in Austria, family-reunification health insurance is covered by Care Austria Standard across ages 0–74. All four routes use the same bilingual MA 35 certificate."
          }
        },
        {
          "@type": "Question",
          "name": "How do Schengen, EU registration and cross-border moves interact?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "85/day meets the EU Visa Code (Regulation 810/2009) minimum of €30,000 plus repatriation. For an Austria Schengen visa — any short-stay file where the consulate asks for Schengen-grade health insurance for Austria — Care Visa Protect from €0. The EU citizen registration certificate for Austria (the Anmeldebescheinigung under § 51 NAG) requires comprehensive cover, and Care Austria is the standard private route there too. Moving from Germany to Austria, the health-insurance handover is routine: cancel GKV or Care Expatriate on the day Care Austria starts and the Meldezettel is filed. Moving to Austria from the US — or from the UK, Canada or Australia — follows the same chain: D-visa, Meldezettel, MA 35, Care Austria. Care Concept runs the policy as private insurance in Austria that is friendly to English speakers, with bilingual contracts and English-language support."
          }
        },
        {
          "@type": "Question",
          "name": "Country-by-country: visa rules and where to live as a foreigner in Austria",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "The Austria student visa bank balance threshold sits around €682. For an Austria visa for US citizens, stays up to 90 days are visa-free under Schengen; longer stays need a national D-visa from the Embassy of Austria in Washington and an MA 35 Aufenthaltstitel. 06/month (under 24) or €1,273. 99/month (24+) in 2026 — confirm with the consulate. The Austria job seeker visa (Aufenthaltsbewilligung — Arbeitssuchender) is the six-month Chancenkarte equivalent; the Red White Red Card Austria is the long-stay work-and-residence route. Austria has no investor citizenship programme as such — Austria citizenship by investment is sometimes used in international media for the rare § 10 (6) StbG economic-interest naturalisation, which is discretionary and tightly limited. For livability, the most-asked areas to live in Austria are Wien (1. , 7. , 18. , 19. Bezirk for expats), Graz, Salzburg, Linz, Innsbruck and Klagenfurt — Care Austria is valid across all of them."
          }
        },
        {
          "@type": "Question",
          "name": "How does the Austria healthcare system work for foreigners after an internal move?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. The Austria healthcare system for foreigners is contribution-based, not free at point of use: ÖGK for statutory-eligible residents, private Care Austria for everyone else. When you change address inside Austria you Hauptwohnsitz ummelden at the new Meldeamt within three working days, then send the updated Meldezettel to Care Concept; the policy keeps running unchanged."
          }
        }
      ]
    },
    {
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      "mainEntity": {
        "@type": "Question",
        "name": "How much is health insurance for foreigners moving to Austria, and which tariff does MA 35 accept?",
        "text": "How much is health insurance for foreigners moving to Austria, and which tariff does MA 35 accept?",
        "author": {
          "@type": "Person",
          "name": "Steffan Grund",
          "url": "https://www.krankenversicherung-auslaender.de/impressum/"
        },
        "datePublished": "2026-09-05",
        "upvoteCount": 0,
        "answerCount": 1,
        "acceptedAnswer": {
          "@type": "Answer",
          "text": "Care Austria — the standard private Incoming tariff for foreigners in Austria — starts at €51/month on the Education variant (training stays, ages 12–35) and €95/month on the Standard variant (0–64 age band, 364-day option). It is regularly accepted by MA 35 Wien and the Bezirkshauptmannschaft for the Aufenthaltstitel (Rot-Weiß-Rot Karte, Niederlassungsbewilligung) and for the EU Anmeldebescheinigung (§ 51 NAG). Wahlarzt access is included and there is no Selbstbehalt. Final acceptance always rests with the responsible MA 35 case officer.",
          "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-austria/",
          "author": {
            "@type": "Person",
            "name": "Steffan Grund",
            "url": "https://www.krankenversicherung-auslaender.de/impressum/"
          },
          "datePublished": "2026-09-05",
          "upvoteCount": 0
        }
      }
    },
    {
      "@context": "https://schema.org",
      "@type": "HowTo",
      "name": "Get the health-insurance certificate accepted by MA 35 Wien in 3 steps",
      "description": "Three-step process foreigners use to obtain a Care Austria Krankenversicherungsnachweis accepted by MA 35 and the Bezirkshauptmannschaft — about 10 minutes online, bilingual PDF by email.",
      "inLanguage": "en",
      "step": [
        {
          "@type": "HowToStep",
          "position": 1,
          "name": "Pick the right Austria tariff by purpose and age",
          "text": "Choose Care Austria Education for training stays ages 12–35 (€51/month up to 364 days; €56/month unlimited) or Care Austria Standard for every other purpose (€95/month at 0–64 up to €510/month at 65–74 unlimited). The entry-age band locks the premium for the contract length."
        },
        {
          "@type": "HowToStep",
          "position": 2,
          "name": "Apply online and receive the bilingual certificate by email",
          "text": "Complete the short Care Concept application in about 10 minutes. The Krankenversicherungsnachweis is issued bilingually (German + English) by email — suitable for the MA 35 file in Vienna or the Bezirkshauptmannschaft outside Vienna."
        },
        {
          "@type": "HowToStep",
          "position": 3,
          "name": "Submit to MA 35 or the Bezirkshauptmannschaft",
          "text": "Upload or attach the certificate to the residence-permit file (Anmeldebescheinigung for EU citizens, or Aufenthaltstitel for third-country nationals) and bring the printed PDF to the appointment for the in-person decision."
        }
      ],
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    },
    {
      "@context": "https://schema.org",
      "@type": "HowTo",
      "name": "How to get an Austrian e-card as a foreigner (and what to do before it arrives)",
      "description": "Five-step path foreigners use to obtain the Austrian e-card from ÖGK — and which private cover bridges the months until the e-card is issued.",
      "inLanguage": "en",
      "step": [
        {
          "@type": "HowToStep",
          "position": 1,
          "name": "Establish legal residence in Austria",
          "text": "Register the address (Meldezettel) within three working days of moving in and file the residence permit at MA 35 Wien or the Bezirkshauptmannschaft. Without an Anmeldebescheinigung or Aufenthaltstitel there is no path to an e-card."
        },
        {
          "@type": "HowToStep",
          "position": 2,
          "name": "Trigger a statutory insurance event",
          "text": "An ASVG employment contract, SVS / GSVG registration as Neue Selbständige, public-university enrolment, or Form S1 from a home EU statutory fund — each triggers automatic ÖGK registration. Without one of these triggers, ÖGK does not open."
        },
        {
          "@type": "HowToStep",
          "position": 3,
          "name": "Wait for ÖGK to issue the e-card",
          "text": "ÖGK posts the e-card to the registered Austrian address typically within two to four weeks after the first statutory contribution clears. Until it arrives, doctors can verify cover by Sozialversicherungsnummer."
        },
        {
          "@type": "HowToStep",
          "position": 4,
          "name": "Activate the e-card photo and use it at Vertragsärzte",
          "text": "Most ÖGK Vertragsärzte (contract doctors) bill the e-card directly. Wahlärzte (doctors outside the ÖGK contract) require payment upfront and reimbursement under ÖGK tariff."
        },
        {
          "@type": "HowToStep",
          "position": 5,
          "name": "Bridge the gap with Care Austria if no statutory trigger yet exists",
          "text": "For freelancers without SVS registration, retirees outside Form S1, family-reunification cases and the months before a job or enrolment starts, Care Austria Standard from €95/month (or Education from €51/month, ages 12–35) provides the Krankenversicherungsnachweis MA 35 requires while ÖGK is closed."
        }
      ],
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      "name": "Moving to Austria — 6-step relocation checklist for foreigners",
      "description": "Six concrete steps foreigners follow when moving to Austria from the US, UK, India, Pakistan, China, Turkey, Brazil, Nigeria, Ukraine and beyond — from the first day of Austria immigration through to the Aufenthaltstitel and the e-card.",
      "inLanguage": "en",
      "step": [
        {
          "@type": "HowToStep",
          "position": 1,
          "name": "Step 1 — File the Meldezettel within three working days",
          "text": "Within three working days of moving in, file the Meldezettel at the Meldeamt or Magistrat (Wien, Graz, Linz, Salzburg, Innsbruck, Klagenfurt). Many municipalities accept the online Meldezettel or the Meldezettel formular by appointment. Bring passport, lease and the landlord's signature. Without the Meldezettel, MA 35 / Bezirkshauptmannschaft will not open the residence-permit file."
        },
        {
          "@type": "HowToStep",
          "position": 2,
          "name": "Step 2 — Book the MA 35 or Bezirkshauptmannschaft appointment",
          "text": "Book the MA 35 Wien appointment (or the Bezirkshauptmannschaft outside Vienna) for the right residence title under the NAG: Anmeldebescheinigung (EU citizens), Rot-Weiß-Rot Karte / EU Blue Card (skilled workers), Aufenthaltsbewilligung Student, Niederlassungsbewilligung (settlement / retirement) or Aufenthaltstitel — Familienangehöriger."
        },
        {
          "@type": "HowToStep",
          "position": 3,
          "name": "Step 3 — Get the Care Austria Krankenversicherungsnachweis",
          "text": "Apply for Care Austria Education (training stays, ages 12–35) or Care Austria Standard (every other purpose, 0–74). The bilingual Krankenversicherungsnachweis (DE/EN) is emailed within minutes — attached to the MA 35 file as proof of comprehensive cover under the NAG."
        },
        {
          "@type": "HowToStep",
          "position": 4,
          "name": "Step 4 — Open the e-card / ÖGK enrolment when a statutory event opens",
          "text": "Once an ASVG employment contract starts, SVS / GSVG registration as Neue Selbständige is filed, a public-university enrolment is finalised or Form S1 is on file, ÖGK issues the Austrian e-card (the elektronische Gesundheitskarte equivalent) to the registered address within two to four weeks. Until then, Care Austria carries the cover."
        },
        {
          "@type": "HowToStep",
          "position": 5,
          "name": "Step 5 — Open an Austrian bank account",
          "text": "Open an Austrian bank account (Erste, Bank Austria, BAWAG, Raiffeisen and digital banks such as N26 are common). Most banks ask for the Meldezettel and the residence-permit confirmation. The IBAN is used for SVS / ÖGK contributions and for Care Austria SEPA debits going forward."
        },
        {
          "@type": "HowToStep",
          "position": 6,
          "name": "Step 6 — Register at the Finanzamt and get the tax number",
          "text": "The Finanzamt assigns the Steuernummer (and the Umsatzsteuer-ID for freelancers). Employees are registered by the employer; Neue Selbständige register themselves. Care Austria is not tax-deductible as an ASVG contribution but qualifies as outgoing Sonderausgabe for the Austrian Arbeitnehmerveranlagung — keep the annual premium statement."
        }
      ],
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    {
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      "@type": "Dataset",
      "name": "Care Austria — monthly premium matrix for foreigners in Austria (variant × age band × duration)",
      "description": "Care Concept Care Austria premium matrix: Education (12–35) and Standard (0–74) variants, 364-day vs. unlimited contracts, monthly premiums in EUR. Premiums lock at the entry-age band for the contract length.",
      "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-austria/#prices",
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        "name": "Krankenversicherung für Ausländer",
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        "url": "https://www.krankenversicherung-auslaender.de"
      },
      "hasDefinedTerm": [
        {
          "@type": "DefinedTerm",
          "name": "MA 35 (Magistratsabteilung 35, Wien)",
          "description": "The Vienna immigration office responsible for residence permits (Aufenthaltstitel), Niederlassungsbewilligung and the Anmeldebescheinigung for EU citizens. MA 35 verifies the health-insurance certificate before issuing or renewing the permit.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
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          "name": "Bezirkshauptmannschaft (BH)",
          "description": "The district authority outside Vienna (Graz, Salzburg, Linz, Innsbruck, Klagenfurt and beyond) that takes over MA 35's role: residence-permit decisions, registration certificates and health-insurance proof under the NAG (Niederlassungs- und Aufenthaltsgesetz).",
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        },
        {
          "@type": "DefinedTerm",
          "name": "Anmeldebescheinigung (§ 51 NAG)",
          "description": "Registration certificate for EU/EEA/Swiss citizens staying longer than three months in Austria. The authority requires proof of comprehensive health insurance valid in Austria — Care Austria is regularly accepted.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Aufenthaltstitel (Rot-Weiß-Rot Karte, Niederlassungsbewilligung)",
          "description": "Austrian residence titles for third-country nationals issued under the NAG: Rot-Weiß-Rot Karte (skilled workers), Niederlassungsbewilligung (settlement permit), Aufenthaltsbewilligung (purpose-specific stays such as student or researcher). All require health-insurance proof.",
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        },
        {
          "@type": "DefinedTerm",
          "name": "ÖGK (Österreichische Gesundheitskasse, formerly GKK)",
          "description": "Austria's single statutory health-insurance fund since 2020 (merging the regional Gebietskrankenkassen). Most newcomers are not automatically insured by ÖGK — only employees, students enrolled at a public university and EU pensioners with Form S1 qualify directly.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Wahlarzt vs. Vertragsarzt",
          "description": "Vertragsarzt is a doctor under contract with ÖGK (statutory billing). Wahlarzt is a doctor outside the ÖGK contract — patients pay upfront and seek reimbursement. Care Austria explicitly includes Wahlarzt cover, so the policyholder can choose any doctor in Austria without restriction.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Selbstbehalt (deductible)",
          "description": "Out-of-pocket share the insured person pays before the insurance reimburses. Care Austria has no Selbstbehalt: insured costs are fully reimbursed up to the policy limits, which is a major advantage compared with many international Incoming products.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Care Austria Education vs. Standard",
          "description": "Two variants of the same Care Concept Incoming tariff for Austria. Education is for training stays (students, language students, PhD candidates, au pairs) ages 12–35 from €51/month. Standard covers every other residence purpose ages 0–74 from €95/month for the 0–64 age band.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Incoming insurance Austria",
          "description": "Private health insurance designed for non-residents staying temporarily in Austria. Care Austria is the standard Incoming tariff because ÖGK is closed to most freelancers, retirees and family-reunification cases. It is not the same as substitutive Austrian PKV.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "e-card",
          "description": "Austrian electronic health-insurance card issued by ÖGK to people insured statutorily. Holders of private Incoming cover (Care Austria) do not receive an e-card; they present the Care Austria certificate at the Wahlarzt practice and submit invoices for reimbursement.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Schengen C-visa vs. national D-visa (Austria)",
          "description": "A Schengen C-visa covers short stays up to 90 days within any 180-day window. A national D-visa is the long-stay visa for stays beyond 90 days — used for student, researcher, Rot-Weiß-Rot Karte and family-reunification routes. Care Visa Protect fits the C-visa entry phase; Care Austria fits the D-visa and the residence permit.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Krankenversicherungsnachweis (Austria)",
          "description": "Proof-of-cover document required by MA 35 / Bezirkshauptmannschaft for every Aufenthaltstitel or Anmeldebescheinigung decision. Care Austria certificates are issued bilingually (DE/EN) and are recognised as comprehensive cover in Austria.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "ASVG (Allgemeines Sozialversicherungsgesetz)",
          "description": "Austria's general social-insurance act. Employees with an ASVG-eligible contract are automatically registered with ÖGK by their employer and receive an e-card.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "GSVG / SVS",
          "description": "Trade-and-craft social-insurance act (GSVG) administered by SVS (Sozialversicherung der Selbständigen). Self-employed Gewerbeschein holders are insured through SVS — Neue Selbständige below the threshold are not, which is why Care Austria is the standard private cover.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Selbstversicherung in der ÖGK",
          "description": "Voluntary self-insurance in ÖGK is technically open after six months of legal residence at a fixed monthly contribution. Newcomers usually choose private Care Austria during the bridging period because the certificate is issued instantly for the MA 35 file.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Privatklinik (Austria)",
          "description": "Private clinic outside the ÖGK contract. Care Austria reimburses inpatient stays in Privatkliniken up to the policy limits — relevant in Vienna (Privatklinik Döbling, Confraternität), Salzburg, Graz and Innsbruck.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Meldezettel / Anmeldung am Hauptwohnsitz",
          "description": "Austrian address-registration form filed at the Meldeservice within three working days of moving in. The Meldezettel is required before MA 35 or the Bezirkshauptmannschaft will process a residence-permit file.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Sozialversicherungsnummer",
          "description": "10-digit Austrian social-insurance number assigned when a person is first registered with ÖGK / SVS. People on private Care Austria cover do not receive a Sozialversicherungsnummer until they enter statutory insurance later.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Form S1 (EU Regulation 883/2004)",
          "description": "EU certificate issued by the home statutory health fund to pensioners and posted workers, allowing the holder to access ÖGK in Austria as if locally insured. Available to EU/EEA/Swiss pensioners, not to third-country retirees.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Rot-Weiß-Rot Karte plus",
          "description": "Residence title for family members of Rot-Weiß-Rot Karte holders and for permit-holders who already meet integration milestones. It grants unrestricted labour-market access. Health-insurance proof at MA 35 is required at issue and at every renewal.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "EU Blue Card (Austria)",
          "description": "Austrian implementation of Directive (EU) 2021/1883 for very-highly-qualified third-country workers. The Blue Card requires proof of comprehensive health insurance — Care Austria Standard is the standard bridge until the ASVG / ÖGK employer registration is active.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Daueraufenthalt – EU",
          "description": "Long-term EU residence title under § 45 NAG, available after five years of legal Austrian residence. Holders keep their statutory or private cover; Care Austria can still serve as a bridge during cross-border interruptions.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit",
          "description": "Austrian settlement permit for foreigners with sufficient income who do not work in Austria — the common route for retirees and financially independent residents. Comprehensive health insurance valid in Austria is mandatory at MA 35; Care Austria Standard is the standard private cover up to age 74.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Austria job-seeker visa (Aufenthaltsbewilligung – Arbeitssuchender)",
          "description": "Six-month national D-visa for very-highly-qualified third-country job seekers, modelled on the German Chancenkarte. The applicant must prove comprehensive health insurance for the entire search window — Care Austria Standard is the standard solution before the first ASVG contract starts.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "EHIC (European Health Insurance Card)",
          "description": "Card issued by EU/EEA/Swiss statutory funds (including ÖGK) for medically necessary treatment during temporary stays in another EU/EEA country or Switzerland. EHIC does not replace residence-permit cover in Austria for third-country nationals — Care Austria does.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Meldezettel (Meldegesetz § 3)",
          "description": "Austrian address-registration form. Every new resident files the Meldezettel — paper formular or, in many municipalities, an online Meldezettel — at the Meldeamt or Magistrat (Wien, Graz, Linz, Salzburg, Innsbruck, Klagenfurt) within three working days of moving in. The Meldezettel is the prerequisite for MA 35 / Bezirkshauptmannschaft to open a residence-permit file.",
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        },
        {
          "@type": "DefinedTerm",
          "name": "NAG (Niederlassungs- und Aufenthaltsgesetz)",
          "description": "Austria's settlement and residence act. The NAG governs every long-stay residence permit (Rot-Weiß-Rot Karte, Niederlassungsbewilligung, Aufenthaltsbewilligung, Anmeldebescheinigung) and explicitly requires comprehensive health-insurance cover valid in Austria — verified by MA 35 or the Bezirkshauptmannschaft before issue or renewal.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
        },
        {
          "@type": "DefinedTerm",
          "name": "Wahlarzt-Honorarnote",
          "description": "Itemised invoice issued by an Austrian Wahlarzt (a doctor outside the ÖGK contract). The patient pays the Honorarnote upfront and submits it to the insurer for reimbursement. Care Austria reimburses Wahlarzt-Honorarnoten up to the policy limits — there is no Selbstbehalt.",
          "inDefinedTermSet": "Foreigners health insurance Austria — glossary"
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          "@type": "DefinedTerm",
          "name": "Rezeptgebühr",
          "description": "Per-prescription fee charged in Austria for ÖGK-reimbursed medication (€7.55 per item in 2026, indicative — confirm the current rate at sozialversicherung.at). Care Austria reimburses medication prescribed during the insured stay up to the policy limits; private prescriptions are settled by invoice.",
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          "name": "Krankenversicherungsnachweis MA 35",
          "description": "The proof-of-cover certificate MA 35 and the Bezirkshauptmannschaft require for every Aufenthaltstitel, Niederlassungsbewilligung and EU Anmeldebescheinigung file. The Care Austria certificate is issued bilingually (DE/EN) by email within minutes of payment and is the standard document we see attached to MA 35 files.",
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          "@type": "DefinedTerm",
          "name": "Anmeldebescheinigung (EU registration)",
          "description": "EU registration certificate (§ 51 NAG) for EU/EEA/Swiss citizens staying in Austria longer than three months. Applied for at MA 35 Wien or the Bezirkshauptmannschaft; comprehensive health insurance — Care Austria or ÖGK via employment, university enrolment or Form S1 — is mandatory.",
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          "text": "Pick the Education or Standard option and choose either coverage up to 364 days or unlimited coverage, depending on your stay."
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          "position": 2,
          "name": "Complete the application",
          "text": "Enter passport, Austria stay details and the required coverage period online."
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          "position": 3,
          "name": "Prepare your authority proof",
          "text": "Receive the available policy documents after successful application and use them for MA35, magistrate or residence permit documents where required."
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        },
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          "name": "Foreign retiree (65–74) on Niederlassungsbewilligung",
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          "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-visa-protect/overview/",
          "item": {
            "@type": "Thing",
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        },
        {
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          "name": "DACH cross-border (Germany ↔ Austria, mixed stays)",
          "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/",
          "item": {
            "@type": "Thing",
            "name": "Care Expatriate (Germany leg) + Care Austria",
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---

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/)

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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 →](#recommended)

     

[Care Austria (MA 35 accepted) (open-ended) from €51/month (Care Austria) ](/en/insurance-plans/care-austria/overview/)

1.  [Home](/en/)
2.  Foreigners in Austria 

📑 On this page (19) 

-   [→ What is health insurance for foreigners in Austria?](#what-is)
-   [→ Pain points foreigners face at MA 35](#problems)
-   [→ Reality check: hospital cost without cover](#reality)
-   [→ Why act before the MA 35 appointment](#timing)
-   [→ Get insured in 3 steps](#get-certificate)
-   [→ Recommended Austria tariffs](#recommended)
-   [→ Care Austria prices by age & duration](#prices)
-   [→ Insurance for parents and older relatives joining family in Austria](#family-reunification)
-   [→ Which tariff for which Austria situation?](#scenarios)
-   [→ Statutory ÖGK access — why it is often closed to newcomers](#gkk-reality)
-   [→ Statutory ÖGK and private Care Austria — when each route applies](#oegk-vs-care-austria)
-   [→ Foreigner situations by visa route](#visa-routes)
-   [→ Cost of living in Vienna & insurance budget](#cost-of-living)
-   [→ Austria visa & insurance by country of citizenship](#country-citizens)
-   [→ Moving to Austria — 6-step relocation checklist](#moving-checklist)
-   [→ Deep guides for foreigners in Austria](#topics)
-   [→ Glossary](#glossary)
-   [→ Official sources & further reading](#sources)
-   [→ FAQ](#faq)

Sibling hub: if your stay is in Germany rather than Austria, see [health insurance for foreigners in Germany](/en/health-insurance-foreigners-germany/).

Sources:  MA 35 Wien · NAG § 51 · EU Visa Code 810/2009 · ÖGK · Care Concept AG AVB · Bezirkshauptmannschaft 

No MA 35-accepted insurance proof = your Aufenthaltstitel file gets handed back. 

# Health insurance for foreigners in Austria — MA 35-accepted cover by age and stay length

4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) · MA 35 & Bezirkshauptmannschaft-recognised 

“PDF in minutes, MA 35 accepted it on the spot.” — A. K. (Vienna), RWR Card plus 

Quotes from internal customer feedback, anonymised and shortened.

› **For 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). 

![International couple in Vienna holding a folder and passport in front of historic MA 35 / Hofburg architecture, on their way to the Austrian residence-permit appointment](/assets/foreigners-health-insurance-austria-hero-DzRUfpLq.webp)

**[Care Austria](/en/insurance-plans/care-austria/overview/) from €51/month (Education, ages 12–35) or €95/month (Standard, 0–64) is the long-stay private Incoming tariff MA 35 Wien and the Bezirkshauptmannschaft regularly accept as the Krankenversicherungsnachweis for the Aufenthaltstitel, the Niederlassungsbewilligung, the Rot-Weiß-Rot Karte and the Anmeldebescheinigung (§ 51 NAG).** Schengen-only stays use [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/).

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. 

Authority-accepted

MA 35 Wien & every Bezirkshauptmannschaft — Graz, Salzburg, Linz, Innsbruck, Klagenfurt.

PDF in minutes

Bilingual DE/EN Krankenversicherungsnachweis emailed in about 10 min · EN/DE support.

Wahlarzt & no Selbstbehalt

Choose any doctor in Austria, ÖGK contract or not — zero deductible up to policy limits.

No medical questionnaire, no German required, no Austrian bank account or Sozialversicherungsnummer needed to apply — third-country nationals from Pakistan, India, the Philippines, Türkiye, Nigeria or anywhere outside the EU can buy and attach the certificate before the MA 35 appointment.

[👉 Apply for Care Austria — from €51/mo](/en/insurance-plans/care-austria/apply/)[Schengen visit instead → Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/)

Below: why ÖGK is normally closed to freelancers, retirees and family-reunification cases · when Wahlarzt access actually matters · how the entry-age band locks the Care Austria premium for the full contract length.

Editor's note: covering MA 35 and Bezirkshauptmannschaft files since 2009, the two most common mistakes we see at the Vienna counter are an international travel policy the case officer cannot verify in German, and a tariff with a Selbstbehalt high enough to fail the "comprehensive cover" wording of the NAG (Niederlassungs- und Aufenthaltsgesetz). Both are avoidable — the Care Austria price table, the situation matrix, the cost-of-living-in-Vienna anchors and the 3-step checklist further down cover the Austria visa requirements, healthcare in Austria for foreigners (statutory ÖGK plus private health insurance Austria), the EU Anmeldebescheinigung route and the bridging path toward eventual Austrian nationality. Final acceptance always rests with the responsible MA 35 case officer or the regional Bezirkshauptmannschaft. Last reviewed by Steffan Grund on September 8, 2026. [Editorial standards & how we verify prices](/impressum/).

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

## What is health insurance for foreigners in Austria?

**Quick answer:** Health insurance for foreigners in Austria is any health cover — statutory (ÖGK through employment, public-university enrolment or EU Form S1) or private long-stay Incoming insurance such as Care Austria — that MA 35 Wien or the Bezirkshauptmannschaft recognises under the NAG (Niederlassungs- und Aufenthaltsgesetz) as proof of comprehensive cover for the Aufenthaltstitel or the Anmeldebescheinigung (§ 51 NAG).

In practice, three routes exist for foreigners moving to Austria. First, **statutory health insurance (ÖGK, Österreichische Gesundheitskasse)** is open through an ASVG-eligible employment contract, enrolment at a public Austrian university, or via EU Form S1 (EU Regulation 883/2004) for pensioners of an EU/EEA/Swiss statutory fund. Second, **substitutive Austrian private health insurance (PKV)**exists for long-term residents but is medically underwritten and normally chosen only after the first years in Austria. Third — and the practical route for the overwhelming majority of foreigners who do not yet qualify for ÖGK — is **private long-stay Incoming insurance**: Care Austria from €51/month on the Education variant (ages 12–35) or €95/month on the Standard variant (0–64 age band), recognised by MA 35 and every Bezirkshauptmannschaft as comprehensive cover under the NAG. The responsible MA 35 case officer always issues the binding decision in individual files.

![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 5, 2026**  SourcesMA 35 Wien · NAG § 51 · ASVG · EU Visa Code 810/2009 · EU Reg. 883/2004 (Form S1) · ÖGK · Care Concept AG AVB · Bezirkshauptmannschaft 

4.9/5 458 customer responses · [our own survey](/en/review-methodology/) 

Over 10,000 policies issued · Since 2009

## Ready for the MA 35 or Bezirkshauptmannschaft appointment? Pick your Austria plan.

[Care Austria (MA 35 accepted · Education + Standard) from €51/month (Education, 12–35) · €95/mo (Standard) ](/en/insurance-plans/care-austria/overview/)[Care Visa Protect (Schengen ≤ 92 days) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Expatriate from €58/month (DACH long-stay) ](/en/insurance-plans/care-expatriate/overview/)

[🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/)

🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 

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/) 

## 📌 TL;DR — at a glance

-   **Standard private cover for Austria:** Care Austria from €51/month (Education, ages 12–35) or €95/month (Standard, 0–64 age band) — Wahlarzt included, no Selbstbehalt, certificate issued bilingually (DE/EN) as PDF. 
-   **MA 35 / Bezirkshauptmannschaft accepted:** Care Austria is the standard private route we see accepted for the Aufenthaltstitel (Rot-Weiß-Rot Karte, Niederlassungsbewilligung) and the EU Anmeldebescheinigung (§ 51 NAG). Final acceptance rests with the responsible case officer. 
-   **ÖGK is normally closed to:** freelancers (Neue Selbständige), retirees outside Form S1, family-reunification applicants and people in the job-search window. Private Incoming cover bridges every one of these. 
-   **Short Schengen visit?** Care Visa Protect from €0.85/day (minimum €7.50) covers up to 92 days and meets the EU Visa Code minimum of €30,000 medical cover plus repatriation. 

Key facts at a glance Reviewed September 5, 2026

-   **Care Austria Education (12–35):** €51/month on the 364-day option, €56/month unlimited. Locked at the entry-age band for the contract length. (Source: Care Concept AVB).
-   **Care Austria Standard (0–64):** from €95/month on the 364-day option. The 50–64 band pays €155/month; see the price table below for every combination. (Source: Care Concept AVB).
-   **Care Austria Standard (65–74):** €219/month on the 364-day variant and €510/month unlimited. Entry accepted up to age 74. (Source: Care Concept AVB).
-   **Selbstbehalt with Care Austria:** none — insured costs are reimbursed up to the policy limits, a major advantage versus many international Incoming products. (Source: Care Concept AVB).
-   **MA 35 Wien response time:** weeks to months. Submitting the Care Austria certificate at the first appointment avoids the file being put on hold.

## What foreigners worry about in Austria — and how each problem is solved

**Quick answer:** Four worries come up in almost every MA 35 or Bezirkshauptmannschaft file: the residence permit refused without recognised cover, ÖGK closed because there is no ASVG-eligible job yet, an international travel policy that the case officer cannot verify in German, and the Wahlarzt question for families used to private cover at home. Each one has a clean answer below — usually Care Austria from €51/month (Education) or €95/month (Standard).

## Avoid the mistakes that can delay your application

### 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.

## Reality check: what an unprotected hospital stay costs foreigners in Austria

## One wrong insurance choice can cost you money, time and your application deadline

A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start.

🏥

€500–€1,500

Emergency doctor visit

One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added.

🏨

€2,000–€10,000+

Hospital treatment

If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros.

🇦🇹

Austria is different

German proof may not fit MA35

For Austrian residence documents, choose an Austria-specific option instead of assuming German-focused insurance will fit.

-   Wrong or incomplete proof can delay your visa, enrollment or authority process.
-   Cheap home-country policies may miss the exact coverage, dates or repatriation wording required.
-   The cheapest policy can become expensive if it is the wrong proof for your situation.

Before you apply, check: coverage amount, validity dates, destination area and repatriation cover.

## Why act before the MA 35 appointment

**Quick answer:** **It is usually best to have the insurance certificate in hand before the MA 35 or Bezirkshauptmannschaft appointment, not afterwards.** Files for an Aufenthaltstitel Österreich, a Rot-Weiß-Rot-Karte or an Anmeldebescheinigung are often put on hold when the proof of health insurance is missing, and a second appointment can take weeks. Cover can typically start on a future date, so buying early rarely wastes premium.

## Why act before Austrian residence paperwork

Austria has its own residence-process requirements. A Germany-focused insurance route may not fit MA35 or magistrate documents.

🇦🇹 

Austria is different

Use an Austria-specific route for Austrian residence documents instead of assuming German insurance proof will fit.

📄 

MA35 documents

Care Austria is designed for Austrian residence processes and authority documents.

⚡ 

364 days or unlimited

Choose the 364-day option or the unlimited option depending on your stay.

💶 

Education or Standard

Students, language students and au pairs may qualify for Education pricing; other cases generally use Standard pricing.

## Get the MA 35-ready certificate in 3 steps

**Quick answer:** **The Care Austria certificate is normally issued by email within minutes of the online application, in German and English on one document.** The three steps are choosing the variant — Education from €51/month at ages 12–35, or Standard from €95/month at ages 0–64 on the 364-day option — entering the stay dates and the Austrian address from the Meldezettel, and paying. MA 35 in Vienna or the Bezirkshauptmannschaft then reviews the document with the rest of the file.

About 10 minutes online. Bilingual PDF (German + English) by email. Recognised by MA 35 Wien and the Bezirkshauptmannschaft for the Aufenthaltstitel or Anmeldebescheinigung.

## Austria residence cover in 3 steps

Care Austria for foreign nationals who need health insurance for Austrian residence permit processes.

1.  1 🎯 
    
    Choose Care Austria
    
    Pick the Education or Standard option and choose either coverage up to 364 days or unlimited coverage, depending on your stay.
    
2.  2 📝 
    
    Complete the application
    
    Enter passport, Austria stay details and the required coverage period online.
    
3.  3 ✅ 
    
    Prepare your authority proof
    
    Receive the available policy documents after successful application and use them for MA35, magistrate or residence permit documents where required.
    

## What foreigners say about Care Austria for the MA 35 residence-permit appointment in Vienna

4.9/5 458 customer responses · [our own survey](/en/review-methodology/) 

“ 

5/5 

> “My biggest worry was that the embassy wouldn't accept the insurance.   
> The proof was accepted immediately — no questions asked.   
> That saved me a lot of stress.” 

![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) 

Georges

Cameroon

“ 

5/5 

> “I needed proof of insurance urgently for my visa appointment.   
> The confirmation arrived within minutes by email.   
> Everything worked first time at the embassy.” 

![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) 

Olga

Russia

“ 

5/5 

> “Found the best solution and best service for health insurance for foreign visitors and guests in Germany.   
> Fast, simple and affordable.   
> Highly recommended!” 

![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) 

Michael

Germany

“ 

5/5 

> “The online sign-up was done in just a few minutes.   
> When I actually had to see a doctor, the billing went smoothly.   
> I was really covered — not just on paper.” 

![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) 

Yunhee

Australia

### Now choose your plan

4.9/5 458 customer responses · [our own survey](/en/review-methodology/) 

## Recommended health insurance for foreigners in Austria — by case

🇦🇹 MA 35 accepted · Education + Standard

### Care Austria 

from €51/month (Education, 12–35) · €95/mo (Standard)

Wahlarzt included · no Selbstbehalt · bilingual certificate · entry age 0–74

For foreign nationals in Austria: students, language students, au pairs, expats, guests & seasonal workers

-   Recognized for residence permits & Austrian authorities 
-   Suitable for MA35, magistrates & district authorities 
-   Affordable private health insurance from €51/month 
-   Doctor, hospital, prescription medication & dental treatment coverage 
-   Treatment with private doctors & private clinics possible 
-   For stays in Austria with additional EU coverage depending on the plan option 
-   Suitable for students, language students, au pairs, expats, guests & seasonal workers 
-   2 coverage terms: up to 364 days or unlimited 
-   Rates by target group: Education from €51/month · Standard from €95/month 
-   Reputable insurance carrier 

Why Care Austria?

For foreign nationals in Austria who need health insurance recognized by authorities for a residence permit, MA35 or magistrate office — suitable for education, au pair stays, expat stays or longer visits.

Why unlimited coverage?

More security for longer stays: less renewal stress, no new health check for later extensions and a lower risk of a coverage gap.

-   🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
-   📄 Proof of insurance for residence permits & authorities
-   🔒 Doctor, clinic, dental treatment & repatriation coverage
-   🏷️ From €51 / month · 364-day or unlimited options

[Care Austria – Quick Overview](/en/insurance-plans/care-austria/plan-details/) [Apply online now](/en/insurance-plans/care-austria/apply/)

→ Complete the application, receive your proof, prepare your residence permit

✈️ Schengen visit · ≤ 92 days

### Care Visa Protect 

from only €0.85 / day (1–92 days possible)

Meets EU Visa Code (Reg. 810/2009): €30,000 medical + repatriation. Use as the bridge before the long-stay Care Austria contract.

For Schengen visas, tourists, family visits & business travel

-   Proof of insurance for visas & immigration authorities quickly available (PDF) 
-   Meets Schengen visa insurance requirements 
-   Affordable coverage from €0.85/day (minimum premium applies) 
-   Doctor, hospital, prescription medication & dental emergency coverage 
-   For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland 
-   Ideal for short stays, family visits, tourists & business travelers 
-   Multiple-visa option: several trips up to a total of 92 days/year 
-   Must be purchased before entry 
-   Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 
-   Coverage term: 1–92 days · entry age 0–74 

Why Care Visa Protect?

For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips.

Why a 92-day coverage term?

Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance.

-   🏛️ HanseMerkur Travel Insurance AG, Hamburg
-   📄 Instant proof of insurance for visas & immigration authorities (PDF)
-   🔒 Doctor, clinic, dental emergency & repatriation coverage
-   🏷️ From €0.85 / day · coverage up to 92 days

[Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/)

→ Complete the application, receive your instant PDF, submit your proof

## Care Austria — all prices by variant, age band & duration

**Quick answer:** Care Austria — the recommended private long-stay tariff for foreigners in Austria — is priced in two variants: Education (training stays, ages 12–35) and Standard (every other purpose, entry ages 0–74). Each variant has a 364-day option and an unlimited option. The entry premium is from €51/month for Education and €95/month for the 0–64 Standard band. The certificate is regularly accepted by MA 35 and the Bezirkshauptmannschaft as comprehensive cover under the NAG.

### 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/)

## Which health insurance do parents and older relatives joining family in Austria usually need?

**Quick answer:** **Parents and older relatives who join family in Austria typically insure themselves privately with Care Austria Standard, because statutory ÖGK membership is normally closed to them.** On the unlimited variant the premium rises steeply with the entry age band: €155/month at ages 0–49, €222/month at ages 50–64 and €510/month at ages 65–74 (Care Austria Standard, example figures). MA 35 in Vienna or the Bezirkshauptmannschaft reviews every family reunification Austria file individually.

Family reunification in Austria — the Austrian counterpart of the German Elternnachzug — usually runs through a Niederlassungsbewilligung, or through the residence card called “Rot-Weiß-Rot-Karte plus”, held by the relative who already lives in Austria. Statutory access through the ÖGK generally depends on an ASVG-eligible job, a public-university enrolment or an EU Form S1, and an incoming parent or grandparent normally has none of those. Co-insurance with the child in Austria is usually not available either. In practice, the proof of health insurance Austria expects on the file is therefore a private long-stay Incoming policy, and Care Austria Standard is the route we see used most often, with Wahlarzt treatment included and no Selbstbehalt.

Age is the decisive cost factor. Because the premium is set by the age band at entry and then applies for the contract term, applying before a birthday that crosses a band boundary — the step from 49 to 50, or from 64 to 65 — can often shape the cost of the whole contract, not just the first month. Entry is possible up to the 75th birthday. It is usually worth preparing the Meldezettel, the residence permit Austria paperwork and the insurance certificate together, so the case officer sees a complete file at the first appointment. The authority decides in each individual case.

## Which tariff for which Austria situation?

**Quick answer:** The right tariff depends on the residence purpose, the age band and the length of stay — not on the passport. The matrix below maps the most common foreigner cases in Austria to the recommended Care Concept tariff.

Your situation in Austria

Recommended tariff

From

Student, language student, PhD candidate or au pair (ages 12–35)

[Care Austria Education](/en/insurance-plans/care-austria/overview/)

€51/month

Employee with Rot-Weiß-Rot Karte (bridge until ASVG/ÖGK starts)

[Care Austria Standard](/en/insurance-plans/care-austria/overview/)

€95/month

Freelancer / Neue Selbständige in Vienna, Graz, Salzburg…

[Care Austria Standard](/en/insurance-plans/care-austria/overview/)

€95/month

Family reunification (spouse / children of an Austrian permit holder)

[Care Austria Standard](/en/insurance-plans/care-austria/overview/)

€95/month

Foreign retiree (65–74) on Niederlassungsbewilligung

[Care Austria Standard (65–74 band)](/en/insurance-plans/care-austria/overview/)

€219/month

Short Schengen visit to Austria (≤ 92 days)

[Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)

from €0.85/day (up to 92 days)

EU pensioner with home-country statutory cover

Form S1 (EU Reg. 883/2004) via ÖGK

via home fund

DACH cross-border (mixed Germany + Austria stays)

[Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (Germany leg) +  [Care Austria](/en/insurance-plans/care-austria/overview/)

from €58/month (DACH long-stay)

Student, language student, PhD candidate or au pair (ages 12–35)

→ [Care Austria Education](/en/insurance-plans/care-austria/overview/) 

€51/month

Employee with Rot-Weiß-Rot Karte (bridge until ASVG starts)

→ [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

€95/month

Freelancer / Neue Selbständige in Vienna, Graz, Salzburg…

→ [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

€95/month

Family reunification (spouse / children of an Austrian permit holder)

→ [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

€95/month

Foreign retiree (65–74) on Niederlassungsbewilligung

→ [Care Austria Standard (65–74)](/en/insurance-plans/care-austria/overview/) 

€219/month

Short Schengen visit to Austria (≤ 92 days)

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) 

from €0.85/day (up to 92 days)

EU pensioner with home-country statutory cover

→ Form S1 via ÖGK 

via home fund

DACH cross-border (Germany ↔ Austria)

→ [Care Expatriate](/en/insurance-plans/care-expatriate/overview/)  +  [Care Austria](/en/insurance-plans/care-austria/overview/) 

from €58/month (DACH long-stay)

Not sure which fits? [Try the 30-second tariff finder](/en/tariffinder-germany/).

### Foreigners moving to Austrian cities — quick anchors

🏛️ Vienna (Wien)

MA 35 (Magistratsabteilung 35) handles every residence permit in Vienna. Care Austria certificates are normally accepted at the first appointment when attached as a bilingual PDF.

→ [See Care Austria prices by age & duration](/en/insurance-plans/care-austria/overview/)

🏔️ Graz, Salzburg, Linz, Innsbruck

Outside Vienna the responsible authority is the Bezirkshauptmannschaft (district authority). The NAG rules are identical; the same Care Austria certificate works for the Aufenthaltstitel or the EU Anmeldebescheinigung.

→ [See Care Austria prices by age & duration](/en/insurance-plans/care-austria/overview/)

🎓 Public universities (Wien, TU Graz, JKU Linz, Uni Salzburg)

Students enrolled at a public Austrian university can usually join ÖGK as student insured. Until enrolment is finalised, Care Austria Education (€51/month) is the standard bridge.

→ [See Care Austria prices by age & duration](/en/insurance-plans/care-austria/overview/)

💼 Cross-border DACH commuters

Foreigners who split time between Germany and Austria typically pair Care Expatriate (Germany leg) with Care Austria (Austria leg). Each policy proves cover to the respective authority on its own.

→ [See Care Austria prices by age & duration](/en/insurance-plans/care-austria/overview/)

## ÖGK, Wahlarzt and the limits of Austrian statutory cover for foreigners

Is healthcare free in Austria?

No — Austria's healthcare system is mandatory and contribution-based, not tax-funded at point of use.

Does Austria have universal healthcare?

Yes by coverage rule, but freelancers and retirees outside ÖGK pay private long-stay Incoming cover such as Care Austria.

Typical Austria health insurance cost?

Care Austria €51/month (Education, 12–35) or €95/month (Standard, 0–64) — Wahlarzt included, no Selbstbehalt.

The Austrian healthcare system runs on mandatory contribution-based insurance under the ASVG and related social-security statutes. **ÖGK (Österreichische Gesundheitskasse)** — the single statutory fund since the 2020 merger of the regional Gebietskrankenkassen (GKK) — covers employees with an ASVG-eligible contract, students enrolled at a public university, and EU pensioners with Form S1. Freelancers (Neue Selbständige), family-reunification applicants and most third-country pensioners fall outside ÖGK and need _private long-stay Incoming cover_ as their _krankenversicherungsnachweis_ at MA 35 or the Bezirkshauptmannschaft. The German equivalent overview lives at [Krankenversicherung für Ausländer in Österreich](/krankenversicherung-auslaender-oesterreich/).

**Quick answer:** Care Austria explicitly includes **Wahlarzt** cover — doctors outside the ÖGK contract — alongside Vertragsärzte and private clinics. There is **no Selbstbehalt (deductible)**, so insured costs are reimbursed up to the policy limits. That combination is the practical reason MA 35 case officers describe Care Austria as the standard private route for foreigners who cannot yet enter ÖGK.

Note: the responsible authority (ÖGK, MA 35 Wien or the regional Bezirkshauptmannschaft) always issues the binding decision in individual cases. The information above reflects the published NAG / ASVG rules and our 15+ years of practical Care Concept experience, not individual legal or medical advice.

## Statutory ÖGK access and private Care Austria — informational overview of when each route applies

**Quick answer:** ÖGK (Österreichische Gesundheitskasse) is Austria's statutory fund — open to ASVG-eligible employees, public-university students and EU pensioners on Form S1. Care Austria is the private long-stay Incoming policy for everyone else: freelancers, family-reunification cases, third-country retirees and the bridging window before ÖGK begins. The table below summarises who each route fits.

Criterion

ÖGK (statutory)

Care Austria (private Incoming)

Who qualifies

ASVG employees, public-university students, EU pensioners with Form S1

Freelancers / Neue Selbständige, third-country retirees, family reunification, bridging cases, training stays (Education variant)

Monthly cost

~7.65% of gross salary (split with employer); Selbstversicherung ≈ €505/month (2026)

From €51/month (Education, 12–35) or €95/month (Standard, 0–64); up to €510/month (65–74 unlimited)

Selbstbehalt (deductible)

None for ASVG; some GSVG cases pay 20%

None — full reimbursement up to the policy limits

Wahlarzt access

Yes, but partial reimbursement (~80% of the ÖGK tariff)

Yes — free choice of any doctor; reimbursed up to the tariff schedule

e-card issued

Yes, after the first statutory contribution

No — Krankenversicherungsnachweis (DE/EN PDF) is presented instead

MA 35 / Bezirkshauptmannschaft proof

ÖGK enrolment confirmation (if available)

Bilingual certificate emailed in about 10 minutes; regularly accepted as comprehensive cover under the NAG

Start date

Day of first ASVG/SVS contribution or first day after Form S1 processed

Free choice — typically the day MA 35 needs the certificate

ÖGK percentage and Selbstversicherung figures reflect the 2026 schedule published by ÖGK; Care Austria figures match the Care Concept AVB 2026. Both are checked at every quarterly editorial review.

## Foreigner situations in Austria — what each visa route needs

**Quick answer:** Austria's Niederlassungs- und Aufenthaltsgesetz (NAG) lists distinct residence routes — each with its own health-insurance requirement. The cards below map the most common routes for foreigners moving to Austria from inside and outside the EU, and the Care Concept tariff that matches each one.

Schengen C-visa (short visit)

**Who:** Tourists, business visitors, Americans visa-free ≤ 90 days, family visits

**Requirement:** EU Visa Code minimum €30,000 medical + repatriation

→ [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) 

Austria student visa / D-visa

**Who:** International students at public universities (Wien, TU Graz, JKU Linz, Uni Salzburg) and language students

**Requirement:** Comprehensive cover for the Aufenthaltsbewilligung — Student

→ [Care Austria Education from €51/month](/en/insurance-plans/care-austria/overview/) 

Rot-Weiß-Rot Karte / EU Blue Card Austria

**Who:** Skilled workers, very-highly-qualified workers, ICT, start-up founders

**Requirement:** Comprehensive cover until the ASVG / ÖGK contract starts

→ [Care Austria Standard from €95/month (bridge)](/en/insurance-plans/care-austria/overview/) 

Niederlassungsbewilligung — Erwerbstätig / unbeschränkt

**Who:** Long-term settled foreigners, self-employed, freelancers (Neue Selbständige)

**Requirement:** Permanent comprehensive cover under the NAG

→ [Care Austria Standard — entry age 0–74](/en/insurance-plans/care-austria/overview/) 

Austria retirement visa (Niederlassungsbewilligung — ausgenommen Erwerbstätigkeit)

**Who:** Foreign retirees with sufficient income and accommodation

**Requirement:** Comprehensive cover up to age 74 (Care Austria) — older applicants need substitutive Austrian PKV

→ [Care Austria Standard 65–74 from €219/month (364-day) or €510/month (unlimited)](/en/insurance-plans/care-austria/overview/) 

Family reunification (Niederlassungsbewilligung — Angehöriger)

**Who:** Spouses, registered partners and minor children of a permit holder

**Requirement:** Health-insurance proof for every family member at MA 35

→ [Care Austria Standard — one policy per insured person](/en/insurance-plans/care-austria/overview/) 

Austria job-seeker visa (Aufenthaltsbewilligung — Arbeitssuchender)

**Who:** Very-highly-qualified job seekers from third countries (up to 6 months)

**Requirement:** Comprehensive cover for the search window before employment starts

→ [Care Austria Standard from €95/month](/en/insurance-plans/care-austria/overview/) 

Au pair (Aufenthaltsbewilligung — Au-pair)

**Who:** Au pairs ages 18–28 placed with an Austrian host family

**Requirement:** Comprehensive cover the host family does not provide statutorily

→ [Care Austria Education from €51/month](/en/insurance-plans/care-austria/overview/) 

EU citizen — Anmeldebescheinigung (§ 51 NAG)

**Who:** EU/EEA/Swiss citizens staying longer than three months

**Requirement:** Comprehensive cover valid in Austria — Form S1 if pensioner

→ [Care Austria Standard (or ÖGK via Form S1)](/en/insurance-plans/care-austria/overview/) 

Digital nomad / remote worker (no dedicated Austria visa)

**Who:** Remote employees and freelancers working for foreign companies — Austria has no dedicated digital-nomad visa as of 2026

**Requirement:** Schengen-compliant cover for ≤ 90 days; long-stay cover for Rot-Weiß-Rot Karte – Selbständige routes

→ [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria Standard from €95/month](/en/insurance-plans/care-austria/overview/) 

Austria golden / investor route (Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit)

**Who:** Financially independent foreigners with sufficient income and Austrian accommodation

**Requirement:** Permanent comprehensive cover valid in Austria up to age 74

→ [Care Austria Standard — entry up to age 74; substitutive Austrian PKV for older applicants](/en/insurance-plans/care-austria/overview/) 

This page is general information, not individual legal, tax or medical advice. The responsible authority (MA 35 Wien, the Bezirkshauptmannschaft or ÖGK) issues the binding decision in every individual file.

## Cost of living in Vienna and Austria — what your health-insurance budget should look like

**Quick answer:** Is Vienna expensive for foreigners? Compared with London, Paris or Zurich, no — but living expenses in Austria still need a clear monthly budget. The three numbers below anchor the typical health-insurance line for newcomers: rent, the statutory ÖGK band and the private Care Austria entry price.

Average rent — Vienna (1-room flat)

€900–1,300/month in the outer districts; €1,400–1,900 in central Vienna (Statistik Austria, 2025 indicator).

ÖGK contribution range

Employees pay ~3.87% of gross salary (AN share, plus matching employer share). Voluntary Selbstversicherung in ÖGK is indicatively €505/month for 2026 — check the current ÖGK schedule.

Care Austria entry price

€51/month (Education, 12–35) or €95/month (Standard, 0–64). Up to €510/month at 65–74 unlimited — full table below.

Living cost in Vienna for students is dominated by rent and transport — the Semesterticket Wien covers public transport at around €75 per semester for under-26s, and the typical living expenses in Austria for a single student sit between €950 and €1,400 per month including a small flat. International students, language students at Studienkolleg-equivalent programmes and PhD candidates moving to Vienna, Graz, Salzburg, Linz or Innsbruck normally budget Care Austria Education at €51/month for the MA 35 file — the lowest-cost certificate accepted as comprehensive cover under the NAG. [See current cost-of-living indicators at Statistik Austria](https://www.statistik.at/).

## Austria visa & insurance by country of citizenship

**Quick answer:** Whether you need a visa for Austria depends only on your passport and the length of stay — not on the residence purpose. The grid below covers the ten passports we see most often in MA 35 files and pairs each one with the recommended Care Concept policy for the short-stay window and the long-stay residence permit.

🇺🇸 United States

**Short stay:** Visa-free ≤ 90/180 days (Schengen)

**Long stay:** National D-visa + Aufenthaltstitel for stays > 90 days

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria](/en/insurance-plans/care-austria/overview/) 

🇬🇧 United Kingdom (post-Brexit)

**Short stay:** Visa-free ≤ 90/180 days (Schengen, third-country)

**Long stay:** Rot-Weiß-Rot Karte / D-visa for long stays

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

🇮🇳 India

**Short stay:** Schengen C-visa required — €30,000 medical cover mandatory

**Long stay:** D-visa + Aufenthaltstitel (student, RWR, family)

→ [Care Visa Protect (C-visa)](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria](/en/insurance-plans/care-austria/overview/) 

🇵🇰 Pakistan

**Short stay:** Schengen C-visa required at Austrian consulate

**Long stay:** D-visa + Aufenthaltstitel; family reunification common

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

🇹🇷 Turkey

**Short stay:** Schengen C-visa required (special EU-TR rules apply)

**Long stay:** D-visa + RWR / Niederlassungsbewilligung

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

🇨🇳 China

**Short stay:** Schengen C-visa required — group and business common

**Long stay:** D-visa + Aufenthaltstitel (student, ICT, RWR)

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria](/en/insurance-plans/care-austria/overview/) 

🇳🇬 Nigeria

**Short stay:** Schengen C-visa required at Austrian consulate

**Long stay:** D-visa + Aufenthaltstitel; documentation intensive

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

🇧🇷 Brazil

**Short stay:** Visa-free ≤ 90/180 days (Schengen)

**Long stay:** D-visa for stays > 90 days; RWR for skilled workers

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria](/en/insurance-plans/care-austria/overview/) 

🇺🇦 Ukraine

**Short stay:** Visa-free ≤ 90/180 days; temporary protection in force

**Long stay:** Temporary-protection status or D-visa + Aufenthaltstitel

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  or  [Care Austria](/en/insurance-plans/care-austria/overview/)  (depending on status) 

🇷🇺 Russia

**Short stay:** Schengen C-visa required (limited issuance, special rules)

**Long stay:** D-visa + Aufenthaltstitel where granted

→ [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)  →  [Care Austria Standard](/en/insurance-plans/care-austria/overview/) 

Visa rules change — always confirm the current requirement at the responsible Austrian consulate before booking. See the [Austrian Federal Ministry of Foreign Affairs — Entry and residence in Austria](https://www.bmeia.gv.at/en/travel-stay/entry-and-residence-in-austria/) for the binding country list.

## Moving to Austria — 6-step relocation checklist for foreigners

**Quick answer:** Whether you are moving to Austria from the US, the UK, India, Pakistan, China, Turkey, Brazil, Nigeria, Ukraine or anywhere else, the first 30 days follow the same six steps — Meldezettel, MA 35 appointment, Care Austria certificate, e-card / ÖGK enrolment, Austrian bank account, Finanzamt registration.

1.  Step 1 — File the Meldezettel within 3 working days
    
    File the Meldezettel  at the Meldeamt or Magistrat (Wien, Graz, Linz, Salzburg, Innsbruck, Klagenfurt) — paper formular or, in many municipalities, online Meldezettel. Bring passport, lease and the landlord's signature.
    
2.  Step 2 — Book the MA 35 / Bezirkshauptmannschaft appointment
    
    Open the right residence-permit file under the NAG: Anmeldebescheinigung  (EU), Rot-Weiß-Rot Karte / EU Blue Card (skilled workers), Aufenthaltsbewilligung Student, or Niederlassungsbewilligung (settlement / retirement).
    
3.  Step 3 — Get the Care Austria Krankenversicherungsnachweis
    
    Apply for Care Austria Education (12–35, training) or Standard (0–74, every other purpose). The bilingual (DE/EN) certificate is emailed in about 10 minutes and attached to the MA 35 file as proof of comprehensive cover.
    
4.  Step 4 — Open the e-card / ÖGK enrolment when a statutory event opens
    
    ASVG employment, SVS / GSVG registration, public-university enrolment or Form S1 trigger ÖGK to issue the Austrian e-card (the elektronische Gesundheitskarte  equivalent) within 2–4 weeks. Care Austria carries the cover until then.
    
5.  Step 5 — Open an Austrian bank account
    
    Erste, Bank Austria, BAWAG, Raiffeisen and digital banks (N26, bunq) all accept the Meldezettel + residence-permit confirmation. The IBAN is then used for SVS / ÖGK contributions and Care Austria SEPA debits.
    
6.  Step 6 — Register with the Finanzamt and get the tax number
    
    Finanzamt issues the Steuernummer (and Umsatzsteuer-ID for freelancers). Employees are registered by the employer; Neue Selbständige  file themselves. Keep the annual Care Austria premium statement for the Arbeitnehmerveranlagung.
    

Indicative timing — most foreigners complete steps 1–3 in the first week, steps 4–6 over the first month. MA 35 / Bezirkshauptmannschaft and ÖGK retain the binding decision on every individual file.

## Foreigners in Austria — deep guides by life event

### Related insurance hubs (Germany)

-   → [Expat health insurance Germany](/en/expat-health-insurance-germany/) — the DACH counterpart for freelancers and long-stay residents
-   → [Health insurance for foreign students in Germany](/en/health-insurance-foreign-students-germany/)
-   → [Health insurance for foreign retirees in Germany](/en/health-insurance-foreign-retirees-germany/)
-   → [Visa health insurance Germany (Schengen + national D)](/en/health-insurance-visa-foreigners-germany/)

### German reference page (hreflang sibling)

-   → [Krankenversicherung für Ausländer in Österreich](/krankenversicherung-auslaender-oesterreich/) — DE-language hub with the same Care Austria recommendation matrix

### English deep guides (Austria)

-   → [Austria health insurance guide for foreigners — full hub](/en/austria-health-insurance-guide-foreigners/) — MA 35, BH, students, au-pairs, Red-White-Red Card, all three deep guides in one place
-   → [Health insurance for international students in Austria](/en/health-insurance-international-students-austria-vienna-graz-salzburg/) — inscription, ÖGK vs Care Austria, MA 35 acceptance
-   → [MA 35 Vienna: health insurance proof for your Austrian residence permit](/en/ma35-vienna-health-insurance-proof-residence-permit-austria/) — the 6 mandatory certificate fields, § 11 / § 64 NAG, renewal timing
-   → [Au-pair insurance Austria for foreigners](/en/au-pair-insurance-austria-foreigners/) — Care Au-Pair Si/S/M/XL from €21/month, § 63 NAG, 12 + 6-month stay cap

## Glossary — foreigner health insurance terms in Austria

**Quick answer:** The terms below appear in nearly every MA 35 file and Bezirkshauptmannschaft appointment for foreigners. Mastering them shortens the paperwork from days to one afternoon.

Foreigner health insurance in Austria sits across three layers. Statutory cover (ÖGK, Österreichische Gesundheitskasse) is the single statutory fund since 2020 — open to employees, public university students and EU pensioners with Form S1. Private long-stay Incoming insurance for the residence permit is offered by **Care Concept** (Care Austria) and peer products from **HanseMerkur**, **DR-WALTER**, **Mawista**, **Cigna Global**, **Allianz Care** and **AXA Global Healthcare**. Long-term substitutive Austrian PKV (UNIQA, Wiener Städtische, Generali, Merkur) is a separate medically-underwritten product — relevant only after the first years in Austria, not as the first MA 35 certificate.

MA 35 (Magistratsabteilung 35, Wien)

The Vienna immigration office responsible for residence permits (Aufenthaltstitel), Niederlassungsbewilligung and the Anmeldebescheinigung for EU citizens. MA 35 verifies the health-insurance certificate before issuing or renewing the permit.

Bezirkshauptmannschaft (BH)

The district authority outside Vienna (Graz, Salzburg, Linz, Innsbruck, Klagenfurt and beyond) that takes over MA 35's role: residence-permit decisions, registration certificates and health-insurance proof under the NAG (Niederlassungs- und Aufenthaltsgesetz).

Anmeldebescheinigung (§ 51 NAG)

Registration certificate for EU/EEA/Swiss citizens staying longer than three months in Austria. The authority requires proof of comprehensive health insurance valid in Austria — Care Austria is regularly accepted.

Aufenthaltstitel (Rot-Weiß-Rot Karte, Niederlassungsbewilligung)

Austrian residence titles for third-country nationals issued under the NAG: Rot-Weiß-Rot Karte (skilled workers), Niederlassungsbewilligung (settlement permit), Aufenthaltsbewilligung (purpose-specific stays such as student or researcher). All require health-insurance proof.

ÖGK (Österreichische Gesundheitskasse, formerly GKK)

Austria's single statutory health-insurance fund since 2020 (merging the regional Gebietskrankenkassen). Most newcomers are not automatically insured by ÖGK — only employees, students enrolled at a public university and EU pensioners with Form S1 qualify directly.

Wahlarzt vs. Vertragsarzt

Vertragsarzt is a doctor under contract with ÖGK (statutory billing). Wahlarzt is a doctor outside the ÖGK contract — patients pay upfront and seek reimbursement. Care Austria explicitly includes Wahlarzt cover, so the policyholder can choose any doctor in Austria without restriction.

Selbstbehalt (deductible)

Out-of-pocket share the insured person pays before the insurance reimburses. Care Austria has no Selbstbehalt: insured costs are fully reimbursed up to the policy limits, which is a major advantage compared with many international Incoming products.

Care Austria Education vs. Standard

Two variants of the same Care Concept Incoming tariff for Austria. Education is for training stays (students, language students, PhD candidates, au pairs) ages 12–35 from €51/month. Standard covers every other residence purpose ages 0–74 from €95/month for the 0–64 age band.

Incoming insurance Austria

Private health insurance designed for non-residents staying temporarily in Austria. Care Austria is the standard Incoming tariff because ÖGK is closed to most freelancers, retirees and family-reunification cases. It is not the same as substitutive Austrian PKV.

e-card

Austrian electronic health-insurance card issued by ÖGK to people insured statutorily. Holders of private Incoming cover (Care Austria) do not receive an e-card; they present the Care Austria certificate at the Wahlarzt practice and submit invoices for reimbursement.

Schengen C-visa vs. national D-visa (Austria)

A Schengen C-visa covers short stays up to 90 days within any 180-day window. A national D-visa is the long-stay visa for stays beyond 90 days — used for student, researcher, Rot-Weiß-Rot Karte and family-reunification routes. Care Visa Protect fits the C-visa entry phase; Care Austria fits the D-visa and the residence permit.

Krankenversicherungsnachweis (Austria)

Proof-of-cover document required by MA 35 / Bezirkshauptmannschaft for every Aufenthaltstitel or Anmeldebescheinigung decision. Care Austria certificates are issued bilingually (DE/EN) and are recognised as comprehensive cover in Austria.

ASVG (Allgemeines Sozialversicherungsgesetz)

Austria's general social-insurance act. Employees with an ASVG-eligible contract are automatically registered with ÖGK by their employer and receive an e-card.

GSVG / SVS

Trade-and-craft social-insurance act (GSVG) administered by SVS (Sozialversicherung der Selbständigen). Self-employed Gewerbeschein holders are insured through SVS — Neue Selbständige below the threshold are not, which is why Care Austria is the standard private cover.

Selbstversicherung in der ÖGK

Voluntary self-insurance in ÖGK is technically open after six months of legal residence at a fixed monthly contribution. Newcomers usually choose private Care Austria during the bridging period because the certificate is issued instantly for the MA 35 file.

Privatklinik (Austria)

Private clinic outside the ÖGK contract. Care Austria reimburses inpatient stays in Privatkliniken up to the policy limits — relevant in Vienna (Privatklinik Döbling, Confraternität), Salzburg, Graz and Innsbruck.

Meldezettel / Anmeldung am Hauptwohnsitz

Austrian address-registration form filed at the Meldeservice within three working days of moving in. The Meldezettel is required before MA 35 or the Bezirkshauptmannschaft will process a residence-permit file.

Sozialversicherungsnummer

10-digit Austrian social-insurance number assigned when a person is first registered with ÖGK / SVS. People on private Care Austria cover do not receive a Sozialversicherungsnummer until they enter statutory insurance later.

Form S1 (EU Regulation 883/2004)

EU certificate issued by the home statutory health fund to pensioners and posted workers, allowing the holder to access ÖGK in Austria as if locally insured. Available to EU/EEA/Swiss pensioners, not to third-country retirees.

Rot-Weiß-Rot Karte plus

Residence title for family members of Rot-Weiß-Rot Karte holders and for permit-holders who already meet integration milestones. It grants unrestricted labour-market access. Health-insurance proof at MA 35 is required at issue and at every renewal.

EU Blue Card (Austria)

Austrian implementation of Directive (EU) 2021/1883 for very-highly-qualified third-country workers. The Blue Card requires proof of comprehensive health insurance — Care Austria Standard is the standard bridge until the ASVG / ÖGK employer registration is active.

Daueraufenthalt – EU

Long-term EU residence title under § 45 NAG, available after five years of legal Austrian residence. Holders keep their statutory or private cover; Care Austria can still serve as a bridge during cross-border interruptions.

Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit

Austrian settlement permit for foreigners with sufficient income who do not work in Austria — the common route for retirees and financially independent residents. Comprehensive health insurance valid in Austria is mandatory at MA 35; Care Austria Standard is the standard private cover up to age 74.

Austria job-seeker visa (Aufenthaltsbewilligung – Arbeitssuchender)

Six-month national D-visa for very-highly-qualified third-country job seekers, modelled on the German Chancenkarte. The applicant must prove comprehensive health insurance for the entire search window — Care Austria Standard is the standard solution before the first ASVG contract starts.

EHIC (European Health Insurance Card)

Card issued by EU/EEA/Swiss statutory funds (including ÖGK) for medically necessary treatment during temporary stays in another EU/EEA country or Switzerland. EHIC does not replace residence-permit cover in Austria for third-country nationals — Care Austria does.

Meldezettel (Meldegesetz § 3)

Austrian address-registration form. Every new resident files the Meldezettel — paper formular or, in many municipalities, an online Meldezettel — at the Meldeamt or Magistrat (Wien, Graz, Linz, Salzburg, Innsbruck, Klagenfurt) within three working days of moving in. The Meldezettel is the prerequisite for MA 35 / Bezirkshauptmannschaft to open a residence-permit file.

NAG (Niederlassungs- und Aufenthaltsgesetz)

Austria's settlement and residence act. The NAG governs every long-stay residence permit (Rot-Weiß-Rot Karte, Niederlassungsbewilligung, Aufenthaltsbewilligung, Anmeldebescheinigung) and explicitly requires comprehensive health-insurance cover valid in Austria — verified by MA 35 or the Bezirkshauptmannschaft before issue or renewal.

Wahlarzt-Honorarnote

Itemised invoice issued by an Austrian Wahlarzt (a doctor outside the ÖGK contract). The patient pays the Honorarnote upfront and submits it to the insurer for reimbursement. Care Austria reimburses Wahlarzt-Honorarnoten up to the policy limits — there is no Selbstbehalt.

Rezeptgebühr

Per-prescription fee charged in Austria for ÖGK-reimbursed medication (€7.55 per item in 2026, indicative — confirm the current rate at sozialversicherung.at). Care Austria reimburses medication prescribed during the insured stay up to the policy limits; private prescriptions are settled by invoice.

Krankenversicherungsnachweis MA 35

The proof-of-cover certificate MA 35 and the Bezirkshauptmannschaft require for every Aufenthaltstitel, Niederlassungsbewilligung and EU Anmeldebescheinigung file. The Care Austria certificate is issued bilingually (DE/EN) by email within minutes of payment and is the standard document we see attached to MA 35 files.

Anmeldebescheinigung (EU registration)

EU registration certificate (§ 51 NAG) for EU/EEA/Swiss citizens staying in Austria longer than three months. Applied for at MA 35 Wien or the Bezirkshauptmannschaft; comprehensive health insurance — Care Austria or ÖGK via employment, university enrolment or Form S1 — is mandatory.

## Official sources & further reading

Every statute reference and authority procedure on this page is checked against primary Austrian sources at every quarterly editorial review. The links below open the original government and EU pages — useful when the MA 35 case officer asks where a requirement comes from.

-   → [oesterreich.gv.at — Living in Austria: residence, visa and permits (English)](https://www.oesterreich.gv.at/en/themen/leben_in_oesterreich/aufenthalt.html)
-   → [BMI (Federal Ministry of the Interior) — Aufenthaltsrecht and residence titles](https://www.bmi.gv.at/302/start.aspx)
-   → [MA 35 Wien (Magistratsabteilung 35) — Einwanderung, Staatsbürgerschaft, Standesamt](https://www.wien.gv.at/verwaltung/personenwesen/)
-   → [RIS — NAG (Niederlassungs- und Aufenthaltsgesetz), consolidated version](https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20004242)
-   → [ÖGK (Österreichische Gesundheitskasse) — statutory cover, e-card, Selbstversicherung](https://www.gesundheitskasse.at/)
-   → [SVS — Sozialversicherung der Selbständigen (GSVG)](https://www.svs.at/)
-   → [EUR-Lex — Regulation (EC) 810/2009 (EU Visa Code)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810)
-   → [EUR-Lex — Regulation (EC) 883/2004 (Social-security coordination, Form S1)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32004R0883)

Issuer: Care Concept AG, Bonn (Germany) — BaFin-supervised insurance broker. Independent of ÖGK. This page is editorial information and does not replace individual legal, tax or medical advice from a licensed Austrian professional.

## Frequently asked questions about health insurance for foreigners in Austria

## Frequently Asked Questions

How much is health insurance for foreigners in Austria? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Care Austria — the standard private Incoming tariff accepted by MA 35 Wien and the Bezirkshauptmannschaft — starts at €51/month on the Education variant (training stays, ages 12–35) and €95/month on the Standard variant for the 0–64 age band (€155/month at 50–64, €219/month at 65–74 on the 364-day option, €510/month at 65–74 unlimited). Wahlarzt access is included and there is no Selbstbehalt. See the Care Austria price table below for every age band and duration combination.

Is Care Austria accepted by MA 35 for the residence permit (Aufenthaltstitel)? 

Yes — Care Austria meets MA 35's requirements for proof of comprehensive health insurance and is the standard private solution we see accepted for the Aufenthaltstitel (Rot-Weiß-Rot Karte, Niederlassungsbewilligung, Aufenthaltsbewilligung) and for the EU Anmeldebescheinigung (§ 51 NAG). Final acceptance always rests with the responsible MA 35 case officer or the regional Bezirkshauptmannschaft.

Can I see any doctor with Care Austria? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Yes. Care Austria explicitly covers Wahlarzt visits — doctors who are not under contract with ÖGK (Österreichische Gesundheitskasse) — alongside Vertragsärzte and private clinics (Privatkliniken). Patients pay upfront at the Wahlarzt practice and submit the invoice for reimbursement up to the policy limits.

Is there a deductible (Selbstbehalt) with Care Austria? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. No. Care Austria has no Selbstbehalt: insured costs are fully reimbursed up to the policy limits. This is a major advantage versus many international Incoming products for Austria, which often apply a per-visit or per-year deductible.

What is the difference between Care Austria Education and Standard? 

Standard covers every other residence purpose (employment, freelancing, family reunification, retirement, Niederlassungsbewilligung) for entry ages 0–74. Education is reserved for training stays in Austria — students, language-school students, PhD candidates and au pairs — and is priced at €51/month (up to 364 days) or €56/month (unlimited contract) for entry ages 12–35. Standard premiums scale by age: from €95/month at 0–64 on the 364-day variant up to €510/month at 65–74 on the unlimited variant. See the price table below for every combination.

Does Care Austria cover the EU Anmeldebescheinigung (§ 51 NAG)? 

EU/EEA/Swiss citizens staying longer than three months in Austria must register at MA 35 or the Bezirkshauptmannschaft and prove comprehensive health insurance under § 51 NAG. Yes. Care Austria meets that requirement when the applicant is not enrolled in ÖGK through employment, university studies or Form S1.

I am only in Austria for a short visit on a Schengen visa — what insurance do I need? 

85/day (minimum €7. For stays up to 92 days a Schengen-compliant travel medical policy is enough: Care Visa Protect from €0. 50) meets the EU Visa Code (Regulation 810/2009) minimum of €30,000 medical cover plus repatriation — the format Austrian consulates routinely accept for the C-visa file. Final acceptance always rests with the consular officer; see the official Austrian Federal Ministry of Foreign Affairs guidance at bmeia. gv. at. For stays beyond 90 days a national D-visa and Care Austria (long-stay) are the standard combination.

I am moving from Germany to Austria — can I keep my GKV or Care Expatriate cover? 

Care Expatriate (Germany Incoming) is geographically scoped and is normally replaced by Care Austria on the move because MA 35 verifies an Austria-valid policy. GKV stops on the day you leave Germany unless you remain employed by a German employer. The clean route is to time the cancellation of the Germany cover with the Austrian Meldezettel (residence registration) and the Care Austria start date.

Are pre-existing conditions covered by Care Austria? 

Review the AVB §§ 5 and 7 before signing. Care Austria is an Incoming tariff designed for acute care and emergencies during the Austrian stay. Chronic pre-existing conditions can be excluded or limited per the Care Concept AVB (§ 5 / § 7) — there is no medical underwriting at sign-up, but claims for known chronic conditions may be denied. For applicants with significant pre-existing conditions, a long-term substitutive Austrian private policy with health questions can be the better fit; we recommend checking before the MA 35 appointment.

Does the Care Austria certificate need to be in German or English? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. MA 35 and the Bezirkshauptmannschaft accept Care Austria certificates as issued: they are bilingual (German + English) PDFs from Care Concept, so the case officer always has the German wording on the same document. No translation is needed.

Does Austria have universal healthcare for foreigners? 

Statutory cover is delivered by ÖGK (Österreichische Gesundheitskasse) for employees, students at public universities and EU pensioners with Form S1. Austria's healthcare system is mandatory and contribution-based, not free at point of use. Freelancers (Neue Selbständige), retirees outside Form S1 and family-reunification applicants normally fall outside ÖGK and need private Incoming cover such as Care Austria for the residence permit.

Can I switch from Care Austria to ÖGK later? 

Yes — if your situation changes — for example you start an employment contract subject to ASVG or enrol at a public university — you can move to ÖGK. Care Austria can then be cancelled in line with the AVB notice period. Many foreigners use Care Austria as the bridge during job-search or pre-enrolment months and switch to ÖGK once statutory cover starts.

What does Care Austria cost for retirees aged 65 or 70 in Austria? 

At entry age 65–74, Care Austria Standard costs €219/month on the 364-day variant and €510/month on the unlimited variant. The premium is locked at the entry-age band for the contract length, so signing before crossing into a higher band can lower the monthly cost. Care Austria accepts new contracts up to age 74; for older applicants a long-term Austrian private policy is normally the route.

How much does health insurance cost in Austria for foreigners overall? 

For private long-stay Incoming cover, Care Austria starts at €51/month on the Education variant (ages 12–35) and €95/month on the Standard variant for the 0–64 age band. Statutory ÖGK contributions for an ASVG-eligible employee are roughly 7.65% of the gross salary (split between employer and employee). Voluntary ÖGK self-insurance currently sits in the region of €505/month (2026 indicative figure published by ÖGK — check the current contribution table at sozialversicherung.at). For most newcomers without an ASVG job, the private Care Austria certificate is therefore the lowest-cost route to a valid Krankenversicherungsnachweis for MA 35.

How do I get health insurance in Austria as a foreigner before the MA 35 appointment? 

Three practical steps: (1) Choose Care Austria Education (training stays, 12–35) or Care Austria Standard (every other purpose, 0–74). (2) Apply online — the bilingual Krankenversicherungsnachweis (DE/EN) is emailed in about 10 minutes. (3) Attach the PDF to the MA 35 / Bezirkshauptmannschaft file or bring the printed certificate to the appointment. The MA 35 case officer issues the binding decision on the residence permit.

What is a Meldezettel and do I need one for health insurance in Austria? 

It is required before MA 35 will process a residence-permit file. A Meldezettel is the Austrian address-registration form filed at the Meldeservice within three working days of moving in. Care Austria does not require a Meldezettel to issue the certificate, but MA 35 will ask for both the Meldezettel and the Krankenversicherungsnachweis at the appointment.

Do US citizens need a visa for Austria, and do they need separate health insurance? 

US passport holders can enter Austria visa-free for up to 90 days within any 180-day window (Schengen rule). For that period a Care Visa Protect policy from €0.85/day satisfies the EU Visa Code (Regulation 810/2009) minimum of €30,000 medical cover plus repatriation. For stays beyond 90 days — Red-White-Red Card, student residence permit or family reunification — Americans need a national D-visa and long-stay cover; Care Austria (from €51/month) is the standard private solution recognised by MA 35.

How do I get an e-card in Austria — and what if I am only on Care Austria? 

The Austrian e-card is issued automatically by ÖGK after the first statutory contribution (employer registration, SVS registration or Form S1 from a home EU fund). People who are only on Care Austria do not receive an e-card; they present the Care Austria certificate at the doctor's practice (Wahlarzt or Vertragsarzt) and submit invoices for reimbursement up to the policy limits.

I am on a Red-White-Red Card — does Care Austria count as comprehensive cover for MA 35? 

Yes — the certificate is issued bilingually (DE/EN). Final acceptance always rests with the responsible MA 35 case officer.

Does Austria have a digital nomad visa for remote workers? 

Austria has no dedicated digital-nomad visa as of 2026 — unlike Spain, Portugal, Estonia or Croatia. Remote workers either enter visa-free on Schengen rules (up to 90 days in any 180-day window, covered by Care Visa Protect from €0.85/day) or apply for the Rot-Weiß-Rot Karte — Selbständige Schlüsselkraft / Start-up Founder route, which behaves like a long-stay residence permit and requires comprehensive health insurance for MA 35 — Care Austria Standard from €95/month is the standard private route (subject to MA 35 review). For current entry guidance see bmeia.gv.at; for ÖGK contribution figures see sozialversicherung.at.

What is the cost of living in Vienna for international students, and what does insurance add? 

Living expenses in Vienna for international students typically run €900–1,300/month for a small flat in the outer districts plus food, transport and study materials (Statistik Austria). Care Austria Education adds €51/month — the lowest-cost certificate accepted by MA 35 for the student residence permit. Public-university students who finalise enrolment can later switch to ÖGK student cover; Care Austria bridges the months before enrolment is complete.

How long can I stay outside Austria with a residence permit? 

Holders of a Niederlassungsbewilligung or Daueraufenthalt – EU can normally stay outside Austria up to twelve consecutive months without losing the permit (NAG § 20). For the Aufenthaltstitel — Rot-Weiß-Rot Karte and Aufenthaltsbewilligung the rule is six months. Care Austria stays valid during temporary absences worldwide per the AVB; check the policy document for country-specific exclusions before long trips.

Do UK citizens need a visa for Austria after Brexit, and what insurance do they need? 

Since Brexit, UK passport holders enter Austria as third-country nationals: visa-free for up to 90 days in any 180-day window (Schengen), then a national D-visa and Aufenthaltstitel for longer stays. Care Visa Protect from €0.85/day covers the visa-free window and meets the EU Visa Code (Regulation 810/2009) minimum of €30,000 medical cover plus repatriation. For Rot-Weiß-Rot Karte, student or family-reunification stays, Care Austria Standard from €95/month is regularly accepted by MA 35 as proof of comprehensive cover; the case officer makes the final call. Confirm current entry rules at bmeia.gv.at before booking.

Is Austria a good place to live as a foreigner, and how complicated is the health-insurance side? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Austria ranks consistently high in expat quality-of-life surveys for safety, public transport and healthcare access — Vienna alone has topped the Mercer ranking for over a decade. The health-insurance side is bureaucratic but predictable: either you qualify for ÖGK (employee, public-university student, EU pensioner on Form S1) or you take private long-stay Incoming cover such as Care Austria for the MA 35 file. Most foreigners arrive on the private route and switch to ÖGK once a contract or enrolment is in place.

What is the Meldezettel and how do I get one in Austria? 

The Meldezettel is Austria's address-registration form (Meldegesetz § 3). Every new resident — EU and non-EU alike — files it at the Meldeamt or Magistrat (Wien, Graz, Linz, Salzburg, Innsbruck, Klagenfurt) within three working days of moving in. The Meldezettel formular can be downloaded from the municipality, or in many cities filled in as an online Meldezettel; you need the passport, the landlord's signature and the lease. Filing is free in most municipalities. MA 35 and the Bezirkshauptmannschaft will not open a residence-permit file without it — and the Care Austria Krankenversicherungsnachweis is then attached to the same MA 35 appointment.

How much bank balance is required for an Austria student visa? 

06/month of guaranteed funds and applicants 24+ around €1,273. For the Austria student visa (Aufenthaltsbewilligung — Student) applicants under 24 must show roughly €682. 99/month (2026 indicative figures based on the ASVG Ausgleichszulagenrichtsatz — confirm the current value with the Austrian consulate). That works out to about €8,200 (under 24) or €15,300 (24+) for the first twelve months. Comprehensive health insurance — Care Austria Education from €51/month — is a separate, additional requirement on the MA 35 file.

Do US citizens need a visa to move to Austria? 

85/day. Visa-free for up to 90 days within any 180-day window under the Schengen short-stay rule — fine for tourism, family visits and business meetings, and well-served by Care Visa Protect from €0. For any stay beyond 90 days (study, work, Red-White-Red Card, family reunification, retirement) US passport holders need a national D-visa and an Austrian Aufenthaltstitel through MA 35 or the Bezirkshauptmannschaft. On the long-stay file, Care Austria Standard from €95/month is the standard private Krankenversicherungsnachweis we see accepted. Confirm current US-citizen entry rules at bmeia. gv. at.

How do I get an e-card in Austria as a foreigner — and what bridges the wait? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. The Austrian e-card (the elektronische Gesundheitskarte equivalent for Austria) is issued by ÖGK only after a statutory insurance event opens: an ASVG employment contract, SVS/GSVG registration as Neue Selbständige, public-university enrolment, or Form S1 from a home EU statutory fund. ÖGK then posts the e-card to the registered Austrian address typically within two to four weeks. People without a statutory trigger — freelancers below the SVS threshold, retirees outside Form S1, family-reunification cases — do not receive an e-card and use private Care Austria instead: the bilingual Krankenversicherungsnachweis is shown at the practice, the Wahlarzt-Honorarnote is reimbursed up to the policy limits. For e-card details (e card beantragen, nachbestellen, ohne foto) see the official ÖGK guidance at gesundheitskasse.at.

What is the Red-White-Red Card and who qualifies for it? 

It is issued by MA 35 or the Bezirkshauptmannschaft on a points test under § 41 NAG. The Rot-Weiß-Rot Karte (Red-White-Red Card) is Austria's main work-and-residence title for very-highly-qualified third-country workers, skilled workers in shortage occupations, graduates of Austrian universities, self-employed key workers and start-up founders. Health-insurance proof is mandatory at issue and at every renewal — until ASVG/ÖGK registration through the new Austrian employer becomes active, Care Austria Standard from €95/month is the standard bridge cover. Card holders can later switch to Rot-Weiß-Rot Karte plus or Daueraufenthalt – EU after meeting the integration milestones.

Can I keep my Care Austria policy if I move from Vienna to Salzburg or Graz? 

Yes — Care Austria is a single Austrian policy that covers treatment anywhere in Austria — Wien, Graz, Salzburg, Linz, Innsbruck, Klagenfurt and every other Bundesland. Moving inside Austria does not end the policy; you only update the Meldezettel at the new Meldeamt and send the new address to Care Concept.

Does Austria have a digital nomad visa in 2026 — and what cover do remote workers use? 

Austria still has no dedicated digital-nomad visa in 2026. Remote workers either stay visa-free on Schengen rules for up to 90 days in any 180-day window — covered by Care Visa Protect from €0.85/day on the EU Visa Code minimum of €30,000 medical cover plus repatriation — or apply for the Rot-Weiß-Rot Karte – Selbständige Schlüsselkraft or Start-up Founder route, which is the closest long-stay equivalent. The long-stay route requires comprehensive health insurance valid in Austria and is normally bridged with Care Austria Standard from €95/month until the new ASVG / SVS registration is active. Final acceptance always rests with MA 35.

I am from Pakistan moving to Austria — is Care Austria accepted by MA 35 for my Aufenthaltstitel? 

Yes — Care Austria is regularly accepted by MA 35 Wien and the Bezirkshauptmannschaft as the Krankenversicherungsnachweis for Pakistani nationals applying for the Rot-Weiß-Rot Karte, the Student Aufenthaltsbewilligung, the EU Blue Card or family reunification. The bilingual DE/EN PDF is delivered to your inbox without a medical questionnaire, German-language proof or Austrian bank account — so you can attach it to the visa file at the Austrian embassy in Islamabad before travel. Final acceptance always rests with the consular officer and MA 35.

Can Indian students or skilled workers use Care Austria for the Austrian residence permit? 

Yes — Indian students, PhD researchers and Rot-Weiß-Rot Karte applicants are among the most common Care Austria policy holders we see at MA 35 Wien and the Bezirkshauptmannschaft files in Graz, Linz and Salzburg. Care Austria Education from €51/month covers university enrolment and language-school stays (ages 12–35); Care Austria Standard from €95/month covers EU Blue Card, Rot-Weiß-Rot Karte, freelancer (Neue Selbständige) and family-reunification routes for ages 0–74. The certificate is issued in English and German, accepted by the Austrian embassy in New Delhi for the national D-visa file, and there is no Selbstbehalt or medical questionnaire.

Do Filipino au pairs, Nigerian PhD candidates or Turkish family-reunification applicants need a different policy? 

Education (€51/month, ages 12–35) is the standard fit for au pairs, language students and PhD researchers; Standard (from €95/month, ages 0–74) covers family-reunification, skilled-worker and retiree routes. No — the same Care Austria tariff covers all third-country nationals from the Philippines, Nigeria, Türkiye, Brazil, Indonesia, Vietnam and beyond. Care Austria does not condition the price on nationality or country of origin — only on entry age and contract length — and the Krankenversicherungsnachweis is issued in English and German for every applicant. Final acceptance always rests with the responsible MA 35 case officer or the regional Bezirkshauptmannschaft.

What is the standard health insurance for expats in Vienna? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. For health insurance for expats in Vienna, the standard route is Care Austria. The same policy serves as international student insurance Vienna at the University of Vienna, TU Wien and WU, and as the everyday Krankenversicherung Wien für Ausländer for skilled-worker, freelancer and family-reunification cases. New residents file the Meldezettel Wien within three working days (Meldezettel online where the city offers it, otherwise the paper Meldezettel formular at the Bezirksamt) and then attach the Care Austria PDF to the MA 35 file. This is the path most expats in Austria health system newcomers use across Wien, Graz, Linz, Salzburg, Innsbruck and Klagenfurt.

Which Krankenversicherungsnachweis does MA 35 actually accept for the Aufenthaltstitel? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. Care Austria is the standard MA 35 health insurance certificate — a bilingual DE/EN PDF that MA 35 in Vienna accepts as the Krankenversicherung for the Aufenthaltstitel, and that the Bezirkshauptmannschaft offices in Graz, Linz, Salzburg, Innsbruck and Klagenfurt accept as their equivalent Krankenversicherung document. The same Care Austria certificate, often searched as Krankenversicherung Ausländer Österreich, covers every Austrian residence-permit health insurance file: the Rot-Weiß-Rot Karte route for skilled workers (where it serves as the Krankenversicherung for the Rot-Weiß-Rot Karte file), the Niederlassungsbewilligung route for settled residents and retirees (the Niederlassungsbewilligung Krankenversicherung in Österreich), and the § 51 NAG route for EU, EEA and Swiss citizens (where it covers the Krankenversicherung side of the Anmeldebescheinigung Österreich). Third-country nationals applying for an Austria residence permit — applicants from India, the Philippines, Nigeria, Türkiye, Brazil and beyond — use exactly the same Care Austria policy as EU applicants do when filing the Anmeldebescheinigung Österreich.

What is the Care Austria Education price and the Care Austria Standard price in 2026? 

The Care Austria Education price starts at €51/month on the 364-day variant (€56/month on the unlimited contract) for ages 12–35 on training stays. The Care Austria Standard price starts at €95/month for the 0–64 age band, rises to €155/month at 50–64, and reaches €219/month at 65–74 on the 364-day option or €510/month at 65–74 on the unlimited contract. For most newcomers this is the lowest mainstream health insurance cost in Austria for the MA 35 file. Because Care Austria runs with no Selbstbehalt, it is also one of the few private health insurance options in Austria without a deductible, and Wahlarzt insurance in Austria is included by default — so a Wahlarzt-Honorarnote (the invoice you receive from a non-contract doctor, the classic Wahlarzt Honorarnote) is reimbursed up to the policy limits. The statutory Rezeptgebühr in Österreich (€7.55 per item in 2026, indicative — confirm at sozialversicherung.at) only applies to ÖGK-billed prescriptions; on Care Austria, prescriptions are reimbursed by invoice instead.

When does ÖGK open for a foreigner, and what about the e-card? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. The ÖGK pathway for a foreigner — the Österreichische Gesundheitskasse route — only opens once a statutory trigger fires: ASVG employment, SVS registration as Neue Selbständige, public-university enrolment, or Form S1 from a home EU fund. Until one of those triggers fires there is no e-card pathway for a foreigner in Austria, and on the long-running GKK-vs-Wahlarzt choice in Austria, Care Austria explicitly includes Wahlarzt access from day one. The Austrian e-card itself — the elektronische Gesundheitskarte in Österreich, the local equivalent of Germany's eGK — is posted by ÖGK two to four weeks after the first contribution; if it is lost, you use the e-card nachbestellen process via gesundheitskasse.at. People who are only on Care Austria do not receive an e-card and simply present the Care Austria PDF at the practice instead.

Which newcomer audiences does Care Austria cover, and which variant does each one need? 

For PhD researcher health insurance in Austria the Education variant fits (€51/month, ages 12–35). Care Austria is the standard private route for every newcomer audience without an ASVG contract. The same Education band is also the everyday au pair health insurance in Austria. For freelancer health insurance in Austria — the Neue Selbständige route — Care Austria Standard from €95/month is the typical fit. And for family reunification in Austria, family-reunification health insurance is covered by Care Austria Standard across ages 0–74. All four routes use the same bilingual MA 35 certificate.

How do Schengen, EU registration and cross-border moves interact? 

85/day meets the EU Visa Code (Regulation 810/2009) minimum of €30,000 plus repatriation. For an Austria Schengen visa — any short-stay file where the consulate asks for Schengen-grade health insurance for Austria — Care Visa Protect from €0. The EU citizen registration certificate for Austria (the Anmeldebescheinigung under § 51 NAG) requires comprehensive cover, and Care Austria is the standard private route there too. Moving from Germany to Austria, the health-insurance handover is routine: cancel GKV or Care Expatriate on the day Care Austria starts and the Meldezettel is filed. Moving to Austria from the US — or from the UK, Canada or Australia — follows the same chain: D-visa, Meldezettel, MA 35, Care Austria. Care Concept runs the policy as private insurance in Austria that is friendly to English speakers, with bilingual contracts and English-language support.

Country-by-country: visa rules and where to live as a foreigner in Austria 

The Austria student visa bank balance threshold sits around €682. For an Austria visa for US citizens, stays up to 90 days are visa-free under Schengen; longer stays need a national D-visa from the Embassy of Austria in Washington and an MA 35 Aufenthaltstitel. 06/month (under 24) or €1,273. 99/month (24+) in 2026 — confirm with the consulate. The Austria job seeker visa (Aufenthaltsbewilligung — Arbeitssuchender) is the six-month Chancenkarte equivalent; the Red White Red Card Austria is the long-stay work-and-residence route. Austria has no investor citizenship programme as such — Austria citizenship by investment is sometimes used in international media for the rare § 10 (6) StbG economic-interest naturalisation, which is discretionary and tightly limited. For livability, the most-asked areas to live in Austria are Wien (1. , 7. , 18. , 19. Bezirk for expats), Graz, Salzburg, Linz, Innsbruck and Klagenfurt — Care Austria is valid across all of them.

How does the Austria healthcare system work for foreigners after an internal move? 

Care Austria costs from €51/month (Care Austria Education, ages 12–35) up to €510/month (65–74) and is accepted by MA 35 Vienna. The Austria healthcare system for foreigners is contribution-based, not free at point of use: ÖGK for statutory-eligible residents, private Care Austria for everyone else. When you change address inside Austria you Hauptwohnsitz ummelden at the new Meldeamt within three working days, then send the updated Meldezettel to Care Concept; the policy keeps running unchanged.

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