--- title: "From €51/mo · Student Health Insurance Austria 2026" description: "Health insurance for international students in Austria — Care Austria from €51/month, MA 35-compliant, ÖGK self-insurance vs private. Vienna, Graz, Salzburg." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health insurance for international students in Austria — MA 35 proof from €51/month", "description": "Health insurance for international students in Austria — Care Austria from €51/month, MA 35-compliant, ÖGK self-insurance vs private. Vienna, Graz, Salzburg.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-08-21", "dateModified": "2026-08-25", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-international-students-austria-vienna-graz-salzburg/" }, "image": "https://www.krankenversicherung-auslaender.de/og-austria-students.jpg", "about": [ { "@type": "Thing", "name": "Health insurance for international students in Austria" }, { "@type": "Thing", "name": "Care Austria Education for foreign students" }, { "@type": "Thing", "name": "ÖGK student self-insurance (studentische Selbstversicherung)" }, { "@type": "Thing", "name": "MA 35 Vienna proof of insurance" }, { "@type": "Thing", "name": "Student residence permit Austria § 64 NAG" }, { "@type": "Thing", "name": "Wahlarzt reimbursement Austria" }, { "@type": "Thing", "name": "Inscription at Austrian universities" }, { "@type": "Thing", "name": "EHIC for EU students in Austria" } ], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "timeRequired": "PT9M", "inLanguage": [ "en", "de-AT" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Austria", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-austria/" }, { "@type": "ListItem", "position": 3, "name": "Austria health insurance guide", "item": "https://www.krankenversicherung-auslaender.de/en/austria-health-insurance-guide-foreigners/" }, { "@type": "ListItem", "position": 4, "name": "Student health insurance Austria", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-international-students-austria-vienna-graz-salzburg/" } ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Health insurance for international students in Austria", "Care Austria vs ÖGK student self-insurance", "MA 35 Vienna residence permit insurance proof", "Bezirkshauptmannschaft Aufenthaltsbewilligung students", "Wahlarzt reimbursement Austria", "EHIC for EU students in Austria", "Inscription at Austrian universities", "§ 64 NAG student residence permit" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to get MA 35-compliant student health insurance for Austria", "description": "Three steps to a recognised Versicherungsnachweis for inscription at Austrian universities and the student residence permit (§ 64 NAG).", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Apply online for Care Austria Education", "text": "Choose the Education variant (ages 12–35) — duration matches your study period. The PDF Versicherungsbestätigung is emailed within minutes and lists your name as in your passport, with validity area AT/EU." }, { "@type": "HowToStep", "position": 2, "name": "Submit proof at inscription and at MA 35 / Bezirkshauptmannschaft", "text": "Upload or hand in the PDF at the matriculation office (Uni Wien, TU Wien, WU Wien, BOKU, JKU Linz, Uni Graz, Uni Salzburg, Uni Innsbruck, Uni Klagenfurt) and bring it to your MA 35 Wien or Bezirkshauptmannschaft appointment for the Aufenthaltsbewilligung Studierende (§ 64 NAG)." }, { "@type": "HowToStep", "position": 3, "name": "Switch to ÖGK student self-insurance once eligible", "text": "Care Austria is cancellable monthly. After you meet the ÖGK criteria — Austrian residence, Studienerfolgsnachweis of 16 ECTS per semester, income limit — you can switch to ÖGK student self-insurance at €67.10/month. Many students stay on Care Austria for the first 1–2 semesters and switch later." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What health insurance do international students need in Austria?", "acceptedAnswer": { "@type": "Answer", "text": "Care Austria Education from €51/month (ages 12–35) is accepted by universities and immigration authorities. International students enrolling at Universität Wien, TU Wien, WU Wien, BOKU, MedUni Wien, Uni Graz, JKU Linz, Uni Salzburg or Uni Innsbruck need proof of health insurance both for inscription and for the student residence permit at MA 35 (Vienna) or the responsible Bezirkshauptmannschaft. It includes free choice of doctor (Wahlarzt) within the policy terms, without Selbstbehalt." } }, { "@type": "Question", "name": "How much does student health insurance cost in Austria in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "Three typical options: Care Austria Education from €51/month (12–35, 364-day variant); the open-ended Care Austria variant runs higher and scales by age. ÖGK student self-insurance is €67.10/month (Stand 2025, gesundheitskasse.at) — requires Austrian residence, Studienerfolg of 16 ECTS/semester and an income limit. EHIC is free for EU/EEA students via their home insurer but covers only emergencies." } }, { "@type": "Question", "name": "Is Care Austria valid for the Austrian student residence permit (§ 64 NAG)?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Austria is recognised as Krankenversicherungsnachweis by MA 35 Vienna and by every Bezirkshauptmannschaft for the residence permit under § 64 NAG. The PDF certificate is emailed immediately after the online application — ready for the residence-permit appointment and the Anmeldebescheinigung if you are an EU citizen." } }, { "@type": "Question", "name": "Can I switch from Care Austria to ÖGK student self-insurance later?", "acceptedAnswer": { "@type": "Answer", "text": "Once you meet the ÖGK self-insurance criteria (Studienerfolg 16 ECTS/semester, Austrian residence, income limit), you can switch to the €67.10/month rate. Yes — Care Austria can be cancelled monthly. Many international students start with Care Austria for the first 1–2 semesters (no waiting period) and switch to ÖGK when they qualify." } }, { "@type": "Question", "name": "Do EU students need health insurance in Austria?", "acceptedAnswer": { "@type": "Answer", "text": "EHIC alone is rarely enough for the Anmeldebescheinigung (§ 51 NAG) or the inscription office. Yes — every student needs valid cover. EU/EEA students can use the EHIC card for emergencies, but for full inscription Austrian universities normally expect a comprehensive Versicherungsnachweis covering the whole study period. Care Austria closes that gap." } }, { "@type": "Question", "name": "What is Wahlarzt and how does reimbursement work in Austria?", "acceptedAnswer": { "@type": "Answer", "text": "With ÖGK you pay first and get back around 80% of the very low contract tariff (often €38–55 of a €200 first-visit invoice). A Wahlarzt is a doctor without an ÖGK contract. Care Austria reimburses Wahlarzt fees within the policy terms without Selbstbehalt — usually a better outcome for students who use private specialists." } }, { "@type": "Question", "name": "Are PhD candidates and exchange / Erasmus students covered the same way?", "acceptedAnswer": { "@type": "Answer", "text": "PhD candidates over 30 typically don't qualify for ÖGK student self-insurance and use Care Austria (or voluntary ÖGK if employed by the institution). Not always. Erasmus students stay covered via EHIC for short semesters, but the host university may still ask for an Austrian Versicherungsnachweis — Care Austria Education or Care Economy is the usual gap-filler." } }, { "@type": "Question", "name": "Will I get an e-card with Care Austria?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): No — the e-card is issued only by ÖGK, BVAEB, SVS or KFA. With Care Austria you present the PDF Versicherungsbestätigung at contract doctors and hospitals; for Wahlarzt visits you pay the invoice and submit it for reimbursement through the Care Concept customer portal." } }, { "@type": "Question", "name": "Can I work in Austria with a student visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — non-EU students on the Aufenthaltsbewilligung Studierende (§ 64 NAG) may work up to 20 hours per week during the semester (Bachelor/Master); PhD candidates have no statutory hour cap. The first paid hour normally triggers ÖGK Pflichtversicherung through the employer, which replaces or runs alongside Care Austria. EU/EEA students under the Anmeldebescheinigung (§ 51 NAG) have no hour limit. Keep your insurance proof live until ÖGK officially confirms the new cover, then cancel Care Austria monthly." } }, { "@type": "Question", "name": "How long does MA 35 Wien take to issue the Aufenthaltsbewilligung Studierende?", "acceptedAnswer": { "@type": "Answer", "text": "MA 35 Wien typically processes a first student residence-permit application in 4–8 weeks once your file is complete (Zulassungsbescheid, insurance proof, Unterhaltsmittel, accommodation). Bezirkshauptmannschaften outside Vienna (Graz, Linz, Salzburg, Innsbruck, Klagenfurt) are often a bit faster. Book the appointment via the official portals — wien.gv.at/amtshelfer for MA 35, the BH portal of your federal state otherwise. Care Austria Education from €51/month bridges the wait: the PDF certificate is accepted as Krankenversicherungsnachweis from day one and is monthly cancellable." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do international students need in Austria?", "text": "What health insurance do international students need in Austria?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-21", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Austria Education from €51/month (ages 12–35) is accepted by universities and immigration authorities. International students enrolling at Universität Wien, TU Wien, WU Wien, BOKU, MedUni Wien, Uni Graz, JKU Linz, Uni Salzburg or Uni Innsbruck need proof of health insurance both for inscription and for the student residence permit at MA 35 (Vienna) or the responsible Bezirkshauptmannschaft. It includes free choice of doctor (Wahlarzt) within the policy terms, without Selbstbehalt.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-international-students-austria-vienna-graz-salzburg/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-21", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Austrian student health insurance terminology", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "ÖGK", "description": "Österreichische Gesundheitskasse — the Austrian statutory health-insurance fund (formerly Gebietskrankenkasse / GKK). Login portal: meine ÖGK / meinesv.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "e-card", "description": "Electronic chip card issued only by ÖGK, BVAEB, SVS or KFA. Presented at contract doctors and hospitals. Not issued with private Incoming insurance like Care Austria.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "Wahlarzt", "description": "Doctor without an ÖGK contract. Patient pays first and submits the invoice for reimbursement — ÖGK pays roughly 80% of the very low contract tariff; Care Austria reimburses within the policy terms without Selbstbehalt.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "MA 35", "description": "Magistratsabteilung 35 — the Vienna foreigners' authority responsible for residence permits and Aufenthaltsbewilligung. Outside Vienna the equivalent is the Bezirkshauptmannschaft or the Magistrat of a Statutarstadt.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "§ 64 NAG", "description": "Niederlassungs- und Aufenthaltsgesetz § 64 — Aufenthaltsbewilligung Studierende. Required for non-EU students; conditions include admission, insurance proof, financial means and accommodation.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "Anmeldebescheinigung", "description": "§ 51 NAG registration certificate for EU/EEA citizens staying in Austria longer than three months as students — proof of insurance is one of the required documents.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "Inskription", "description": "Austrian term for the formal enrolment (matriculation) at a university. Requires proof of insurance and a Zulassungsbescheid.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "ÖH Beitrag", "description": "Mandatory student-union contribution (Österreichische Hochschülerinnen- und Hochschülerschaft) — around €22 per semester, paid alongside the Studienbeitrag where applicable.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "Studienbeitrag", "description": "Tuition fee — usually €726.72 per semester for non-EU students; €0–€363.36 for EU/EEA students depending on Toleranzsemester.", "inDefinedTermSet": "Austrian student health insurance terminology" }, { "@type": "DefinedTerm", "name": "EHIC", "description": "European Health Insurance Card — covers medically necessary treatment during shorter stays for EU/EEA students. Rarely enough on its own for inscription or for the Anmeldebescheinigung.", "inDefinedTermSet": "Austrian student health insurance terminology" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "ItemList", "name": "Austrian universities that accept Care Austria for inscription", "itemListOrder": "https://schema.org/ItemListOrderAscending", "numberOfItems": 11, "inLanguage": "en", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Universität Wien" }, { "@type": "ListItem", "position": 2, "name": "TU Wien" }, { "@type": "ListItem", "position": 3, "name": "WU Wien" }, { "@type": "ListItem", "position": 4, "name": "BOKU (Universität für Bodenkultur)" }, { "@type": "ListItem", "position": 5, "name": "MedUni Wien" }, { "@type": "ListItem", "position": 6, "name": "Universität Graz" }, { "@type": "ListItem", "position": 7, "name": "TU Graz" }, { "@type": "ListItem", "position": 8, "name": "JKU Linz" }, { "@type": "ListItem", "position": 9, "name": "Universität Salzburg" }, { "@type": "ListItem", "position": 10, "name": "Universität Innsbruck" }, { "@type": "ListItem", "position": 11, "name": "Universität Klagenfurt" } ] } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language Deutsch English العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) 1 Step 1/3: Check plan (you are here) 2 Step 2/3: Get PDF proof 3 Step 3/3: Submit to authority [Compare Plans & Proof →](#recommended) [Care Austria Education from €51/month (open-ended) ](/en/insurance-plans/care-austria/overview/) 1. [Home](/en/) 2. [Austria](/en/health-insurance-foreigners-austria/) 3. [Austria health insurance guide](/en/austria-health-insurance-guide-foreigners/) 4. Student Health Insurance Austria 📑 On this page (8) - [→ Worries every international student in Austria has](#problems) - [→ What happens without recognised insurance proof](#costs) - [→ Get MA 35-compliant cover in 3 steps](#steps) - [→ Recommended student insurance for Austria](#recommended) - [→ Care Austria Education — prices by age & duration](#prices) - [→ Care Austria vs ÖGK student self-insurance](#comparison) - [→ Which Austrian universities accept Care Austria?](#universities) - [→ Austrian insurance and residence terminology](#glossary) No insurance proof = no inscription, no § 64 NAG permit. Care Austria PDF in minutes. # Health insurance for international students in Austria — MA 35 proof from €51/month 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) · MA 35 & universities **Popular with international students 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). “Care Austria confirmation in the morning, BH Salzburg appointment in the afternoon — worked.” — P. S. (Salzburg), student Quotes from internal customer feedback, anonymised and shortened. Plan: Apply online → PDF in minutes → Submit at inscription & MA 35. **Quick answer:** **Care Austria Education from €51/month** (ages 12–35, 364-day variant) issues a DE/EN Versicherungsbestätigung by email in minutes that is, in most cases, accepted for inscription at Austrian universities and at MA 35 / Bezirkshauptmannschaft for the § 64 NAG student permit — individual caseworker practice may vary, not legal advice. Editorial note: figures and acceptance rules reflect typical practice for international students in 2025–26. Final eligibility (ÖGK self-insurance, § 64 NAG, Erasmus EHIC) depends on your individual case and the decision of the competent Austrian authority. 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. Last reviewed: 2026-08-21 · by Steffan Grund (insurance expert, Krankenversicherung-Auslaender.de) · sources: oesterreich.gv.at, wien.gv.at, gesundheitskasse.at, bmsgpk.gv.at, HanseMerkur AVB 2025, § 64 NAG. Sources: oesterreich.gv.at · wien.gv.at · gesundheitskasse.at · bmsgpk.gv.at · HanseMerkur AVB 2025 · Care Concept AG · § 8 / § 11 / § 51 / § 64 NAG · Universitätengesetz 2002 ![Health insurance for international students in Austria — Care Austria, ÖGK self-insurance, MA 35 Vienna](/assets/oesterreich-student-wien-inskription-g2BnqR4T.jpg) **No insurance proof — no inscription, no § 64 NAG permit.** That is the practical rule at MA 35 Wien and Bezirkshauptmannschaften across Austria — Uni Wien, TU Wien, WU Wien, BOKU, MedUni Wien, Uni Graz, TU Graz, JKU Linz, Uni Salzburg, Uni Innsbruck and Uni Klagenfurt typically require a comprehensive Austrian Versicherungsnachweis at matriculation. [Care Austria Education from €51/month](/en/insurance-plans/care-austria/overview/) (ages 12–35, 364-day variant) issues a German/English PDF certificate by email within minutes — no medical questionnaire, monthly cancellation, switchable to ÖGK student self-insurance once eligible. Trusted by international students from Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, the Philippines, Nigeria, Türkiye, Indonesia, Vietnam and Brazil — preparing the Austrian student visa, OeAD scholarship file or § 64 NAG application for Vienna, Graz, Linz, Salzburg, Innsbruck or Klagenfurt. From €51/month Ages 12–35 · 364-day variant · adult brackets to 74. ÖGK student self-insurance ≈ 67,10 €/month and requires Studienerfolg. PDF in minutes DE + EN wording — accepted at matriculation offices and at MA 35 / Bezirkshauptmannschaft for the § 64 NAG residence permit. Wahlarzt-friendly Free clinic choice, no Selbstbehalt within the policy terms (HanseMerkur AVB 2025), monthly cancellation. Below: who needs which insurance (eligibility table for 6 student cases), Care Austria vs ÖGK self-insurance vs EHIC, Wahlarzt reimbursement explained, university acceptance overview, plus an Austrian glossary (MA 35, ÖGK, e-card, ELGA, ÖH Beitrag) and an FAQ for Erasmus, PhD, over-30 students and applicants from Pakistan, India, the Philippines, Nigeria and Türkiye. Brief German term references are kept inline because Austrian universities use them on official forms. 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 ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 25, 2026** Sourcesoesterreich.gv.at · wien.gv.at · gesundheitskasse.at · HanseMerkur AVB · Care Concept AG · § 64 NAG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for inscription and MA 35? Pick your student plan. [Care Austria Education from €51/month (open-ended) ](/en/insurance-plans/care-austria/overview/)[Apply now — Care Austria ab nur 51,00 € / Monat ](/en/insurance-plans/care-austria/apply/)[30-second tariff 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 - Care Austria Education from €51/month (12–35) — MA 35-compliant PDF certificate, ready for the student residence permit (§ 64 NAG) and university inscription. - ÖGK student self-insurance: €67.10/month — needs Austrian residence, Studienerfolgsnachweis (16 ECTS/semester) and an income limit. - EU/EEA students with an EHIC card cover emergencies; for a full degree most Austrian universities still expect a comprehensive Austrian Versicherungsnachweis. - Care Austria includes Wahlarzt (free choice of doctor) without Selbstbehalt within the policy terms — useful where ÖGK only reimburses ~80% of the low contract tariff. Key facts at a glance Reviewed August 25, 2026 - **Care Austria Education:** from €51/month (ages 12–35, 364-day variant) — recognised by MA 35 Wien and every Bezirkshauptmannschaft for the student residence permit (§ 64 NAG). (Source: HanseMerkur AVB 2025). - **ÖGK student self-insurance:** €67.10/month — requires Austrian residence, Studienerfolgsnachweis of 16 ECTS/semester and an income limit. (Source: gesundheitskasse.at 2025). - **Wahlarzt reimbursement:** ÖGK pays around 80% of the very low contract tariff — typically €38–55 of a €200 first-visit invoice. Care Austria reimburses within the policy terms without Selbstbehalt. (Source: ÖGK Honorarordnung 2025). - **Hospital day in Austria:** around €830+/day in a public LKH (Richtwert per ÖGK Tagsatztabelle 2025) — uninsured patients are billed the full amount. (Source: ÖGK Tagsatztabelle 2025). ## Worries every international student in Austria has **Quick answer:** Four worries come up with almost every international student: inscription refused without a valid Versicherungsnachweis, MA 35 appointment slipping before semester start, uncertainty whether ÖGK self-insurance is even open to non-EU students, and unclear Wahlarzt reimbursement. Care Austria Education from €51/month with an instant PDF certificate solves all four in one step. ## Avoid the mistakes that can delay your application ### Enrollment can stall without M10 DAK Student and Care Student support electronic M10 notification for eligible university enrollment flows. ### Under 30 or over 30? DAK Student fits many students up to age 29; Care Student can fit private student coverage up to age 39. ### Private or statutory confusion Choosing the wrong route can create extra steps. Check statutory, private and exemption rules before applying. ### Language school is different Care College is better for language school, Studienkolleg, DSH and educational stays — not M10 university enrollment. ## What happens without recognised insurance proof 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. ## How long until inscription if you act today? ## 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 MA 35-compliant cover in 3 steps 10 minutes online. PDF Versicherungsbestätigung in minutes. Ready for inscription and for your MA 35 / Bezirkshauptmannschaft appointment. ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. Choose your student plan DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College. 2. Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What international students say about Care Austria for inscription at Austrian universities and the MA 35 residence permit 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 student insurance for Austria — by case 🎓 MA 35-compliant · ages 12–35 ### Care Austria from only €51.00 / month (364-day or unlimited option available) 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 ✈️ Erasmus short-stay · from €30 / 30 days ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🛂 Visa entry · from €0.85/day ### Care Visa Protect from only €0.85 / day (1–92 days possible) 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 Education — all prices by age & duration **Quick answer:** Care Austria Education starts at €51/month for ages 12–35 in the 364-day variant; the open-ended variant runs higher and scales with age. Designed for inscription at Austrian universities and for the student residence permit (§ 64 NAG); final acceptance depends on the responsible university and on MA 35 Wien or the Bezirkshauptmannschaft. ### 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 Austrian student case fits which insurance? Case Typical route Note First inscription, Uni Wien / TU Wien / WU Wien, non-EU, under 35 Care Austria Education from €51/mo MA 35 Wien regularly accepts the PDF as Versicherungsnachweis under § 64 NAG; final decision rests with the authority. MA 35 first application (Aufenthaltsbewilligung Studierende) Care Austria Education Bring PDF + Zulassungsbescheid + accommodation proof + Unterhaltsmittel. Bezirkshauptmannschaft Graz / Salzburg / Innsbruck extension Care Austria (renewal) Same § 64 NAG rules outside Vienna; deadlines vary by office. PhD candidate / over 30, no employment Care Austria (open-ended) or voluntary ÖGK ÖGK student self-insurance is closed once you no longer meet Studienerfolg. EU/EEA exchange or Erasmus student < 6 months EHIC + Care Economy (gap) EHIC covers emergencies; many universities still expect an Austrian certificate. Wahlarzt visit (Vienna specialist) Care Austria preferred over ÖGK ÖGK refunds ~80% of contract tariff; Care Austria reimburses within policy terms without Selbstbehalt. ## Care Austria vs ÖGK student self-insurance — side by side **Quick answer:** Both options give MA 35-compliant proof. ÖGK gives an e-card and ELGA access but requires Studienerfolg; Care Austria is open from day one, cancellable monthly and reimburses Wahlarzt without Selbstbehalt within the policy terms. ### ÖGK student self-insurance - Cost: €67.10/month (Stand 2025). - e-card + ELGA access included. - Studienerfolg required: 16 ECTS/semester, max. 4 Toleranzsemester. - Austrian residence + income limit required. - Wahlarzt reimbursement ~80% of low contract tariff. - Drittstaatsangehörige need a valid Aufenthaltstitel (§ 64 NAG) to apply. ### Care Austria Education (private Incoming) - Cost: from €51/month (ages 12–35, 364-day variant). - No medical questionnaire, no waiting period, no Studienerfolg. - PDF Versicherungsbestätigung within minutes — ready for inscription and MA 35. - Wahlarzt and free choice of clinic — no Selbstbehalt within the policy terms. - Monthly cancellation — switch to ÖGK later when eligible. - No e-card (e-card is ÖGK-only); ELGA access also tied to ÖGK. ## Costs at a glance — Austria student health cover 2026 **Quick answer:** Four realistic budget anchors for international students in Austria: Care Austria Education from €51/month (ages 12–35, 364-day variant), ÖGK student self-insurance at €67.10/month (Stand 2025, gesundheitskasse.at), Care Economy from €30 per 30 days for Erasmus and short stays, and EHIC at €0 for EU/EEA students through their home insurer. Final acceptance depends on the responsible university and on MA 35 Wien or the Bezirkshauptmannschaft. Option Monthly cost Best for Limits Care Austria Education (364-day) from €51/month Non-EU students 12–35, first inscription & § 64 NAG No e-card; Wahlarzt reimbursed within policy terms Care Austria (open-ended variant) scales by age Over-30 / PhD / long degrees Premium increases by age bracket — see Preistabelle ÖGK student self-insurance €67.10/month Students with Austrian residence + 16 ECTS Studienerfolg Income limit; Wahlarzt refund ~80 % of low contract tariff Care Economy (short stays) from €30 / 30 days Erasmus, summer school, Vorstudienlehrgang Up to 2 years; no pregnancy / pre-existing conditions EHIC (home-country card) €0 (already paid at home) EU/EEA students, short stays, emergencies only Most Austrian universities still require an Austrian Versicherungsnachweis Prices Stand 2025/2026; sources: HanseMerkur AVB 2025, Care Concept AG, gesundheitskasse.at, ÖGK Honorarordnung 2025. ## Which Austrian universities accept Care Austria for inscription? Care Austria Education is recognised as comprehensive Austrian health insurance and is regularly accepted as Versicherungsnachweis for inscription at the universities listed below. Final acceptance is decided by the individual matriculation office. University City Responsible authority Universität Wien (Uni Wien) Vienna MA 35 Wien TU Wien Vienna MA 35 Wien WU Wien (Wirtschaftsuniversität) Vienna MA 35 Wien BOKU (Universität für Bodenkultur) Vienna MA 35 Wien MedUni Wien Vienna MA 35 Wien Universität Graz Graz BH Graz-Umgebung / Magistrat Graz TU Graz Graz BH Graz-Umgebung / Magistrat Graz JKU Linz Linz Magistrat Linz Universität Salzburg Salzburg Magistrat Salzburg Universität Innsbruck Innsbruck BH Innsbruck / Stadtmagistrat Universität Klagenfurt Klagenfurt BH Klagenfurt-Land / Magistrat ## How Wahlarzt reimbursement works in Austria (Vienna example) A _Wahlarzt_ is a doctor without an ÖGK contract — common among Vienna specialists (internists, dermatologists, gynaecologists, psychotherapists). You pay the invoice first and submit it for reimbursement. With ÖGK you typically receive around 80% of the very low contract tariff — for a €200 first-visit invoice that means €38–55 back. With [Care Austria](/en/insurance-plans/care-austria/overview/) the Wahlarzt fee is reimbursed within the policy terms without Selbstbehalt, which usually gives a higher net refund. Submit invoices through the Care Concept customer portal; ÖGK members use meine ÖGK / meinesv.at. ## EHIC for EU/EEA students in Austria — what it covers The European Health Insurance Card (EHIC) — printed on the back of your home country's insurance card (AOK, TK, Barmer in Germany; ZUS in Poland; INPS in Italy; CPAM in France) — covers medically necessary treatment during short stays in Austria. For an Erasmus semester this is often enough together with a short top-up. For a full degree most Austrian universities still expect a comprehensive Austrian Versicherungsnachweis, and the _Anmeldebescheinigung_ under § 51 NAG normally lists insurance proof as a required document. Care Austria closes the gap from €51/month. ## Insurance by student profile — Austria ### PhD and doctoral candidates in Austria PhD candidates over 30 typically lose ÖGK student self-insurance eligibility once Studienerfolg or income limits are exceeded. The standard route is [Care Austria](/en/insurance-plans/care-austria/overview/) (open-ended variant) or voluntary ÖGK via the institution if employed as a research assistant. ### Erasmus and exchange students in Vienna, Graz or Salzburg EHIC plus a short-stay top-up usually covers an Erasmus semester. If the host university requires an Austrian certificate, Care Economy from €30 per 30 days or Care Austria are the typical solutions. Verify with the international office before inscription. ### Language-course students and Vorstudienlehrgang attendees The Vorstudienlehrgang der Wiener Universitäten (VWU) and language schools are not part of ÖGK student self-insurance. Care Austria Education is the standard route while you are preparing for full inscription. ### Over-30 / GKV-style exempt students Once Studienerfolg no longer covers 16 ECTS per semester, or the income limit is exceeded, ÖGK student self-insurance ends. Care Austria (open-ended variant) is the typical follow-on cover — premium scales by age. ### Rot-Weiß-Rot-Karte plus for graduates After graduation many international students transition to the Rot-Weiß-Rot-Karte plus (RWR-Karte plus) or a regular work residence permit. Care Austria can continue until you start a regular employment that puts you into ÖGK or BVAEB automatically. ### Working alongside your studies — insurance impact Non-EU students on the Aufenthaltsbewilligung Studierende (§ 64 NAG) may work up to 20 hours per week during the semester (Bachelor/Master); PhD candidates have no statutory cap. Once you cross the Geringfügigkeitsgrenze (€551.10/month, Stand 2025) the employer enrols you in ÖGK Pflichtversicherung automatically. Until that confirmation arrives, keep Care Austria active — it is monthly cancellable so the switch costs nothing extra. EU/EEA students with the Anmeldebescheinigung (§ 51 NAG) have no hour limit. Sources: oesterreich.gv.at, AMS, ÖGK 2025. ### Family co-insurance (Mitversicherung) with parents in ÖGK Free family co-insurance (beitragsfreie Mitversicherung) in ÖGK ends at age 18 by default and can be extended to a maximum of 27 if you provide a Studienbestätigung (Inskriptionsbestätigung) from an Austrian university. It is only available to children of Austrian ÖGK members — third- country nationals whose parents are insured abroad cannot use it. For everyone outside that narrow window the standard routes are Care Austria Education from €51/month or ÖGK student self-insurance at €67.10/month. Source: gesundheitskasse.at, keyword "Mitversicherung Kind über 18". ## Tuition fees Austria — Studienbeitrag and ÖH Beitrag (context) Beyond insurance, international students plan for two Austrian study fees: **Studienbeitrag** (tuition) of €726.72 per semester for non-EU students and €0–€363.36 for EU/EEA students depending on Toleranzsemester, and the **ÖH Beitrag** (student-union contribution) of about €22 per semester. Both are paid via the student portal (KUSSS at JKU, u:space at Uni Wien, TISS at TU Wien, MyTUG at TU Graz) alongside inscription — independent of your insurance choice. ## Austrian insurance and residence terminology — quick glossary Krankenversicherung Health insurance — mandatory for every student in Austria. ÖGK Österreichische Gesundheitskasse — statutory health-insurance fund. e-card Electronic chip card issued only by ÖGK, BVAEB, SVS, KFA. Wahlarzt Doctor without an ÖGK contract; reimbursement only. Selbstbehalt Deductible. Care Austria reimburses Wahlarzt without Selbstbehalt within policy terms. ELGA Elektronische Gesundheitsakte — tied to ÖGK access. Inskription Formal enrolment at an Austrian university. Zulassungsbescheid Admission decision required for inscription and § 64 NAG. MA 35 Vienna foreigners' authority for residence permits. Bezirkshauptmannschaft (BH) District authority outside Vienna — equivalent of MA 35. § 64 NAG Aufenthaltsbewilligung Studierende — student residence permit. § 51 NAG / Anmeldebescheinigung EU/EEA student registration certificate. Studienerfolg Proof of 16 ECTS per semester — required for ÖGK self-insurance. ÖH Beitrag Mandatory student-union contribution (~€22/semester). Studienbeitrag Tuition fee — usually €726.72/semester for non-EU students. EHIC European Health Insurance Card — emergencies for EU/EEA students. ## Frequently Asked Questions What health insurance do international students need in Austria? Care Austria Education from €51/month (ages 12–35) is accepted by universities and immigration authorities. International students enrolling at Universität Wien, TU Wien, WU Wien, BOKU, MedUni Wien, Uni Graz, JKU Linz, Uni Salzburg or Uni Innsbruck need proof of health insurance both for inscription and for the student residence permit at MA 35 (Vienna) or the responsible Bezirkshauptmannschaft. It includes free choice of doctor (Wahlarzt) within the policy terms, without Selbstbehalt. How much does student health insurance cost in Austria in 2026? Three typical options: Care Austria Education from €51/month (12–35, 364-day variant); the open-ended Care Austria variant runs higher and scales by age. ÖGK student self-insurance is €67.10/month (Stand 2025, gesundheitskasse.at) — requires Austrian residence, Studienerfolg of 16 ECTS/semester and an income limit. EHIC is free for EU/EEA students via their home insurer but covers only emergencies. Is Care Austria valid for the Austrian student residence permit (§ 64 NAG)? Yes — care Austria is recognised as Krankenversicherungsnachweis by MA 35 Vienna and by every Bezirkshauptmannschaft for the residence permit under § 64 NAG. The PDF certificate is emailed immediately after the online application — ready for the residence-permit appointment and the Anmeldebescheinigung if you are an EU citizen. Can I switch from Care Austria to ÖGK student self-insurance later? Once you meet the ÖGK self-insurance criteria (Studienerfolg 16 ECTS/semester, Austrian residence, income limit), you can switch to the €67.10/month rate. Yes — Care Austria can be cancelled monthly. Many international students start with Care Austria for the first 1–2 semesters (no waiting period) and switch to ÖGK when they qualify. Do EU students need health insurance in Austria? EHIC alone is rarely enough for the Anmeldebescheinigung (§ 51 NAG) or the inscription office. Yes — every student needs valid cover. EU/EEA students can use the EHIC card for emergencies, but for full inscription Austrian universities normally expect a comprehensive Versicherungsnachweis covering the whole study period. Care Austria closes that gap. What is Wahlarzt and how does reimbursement work in Austria? With ÖGK you pay first and get back around 80% of the very low contract tariff (often €38–55 of a €200 first-visit invoice). A Wahlarzt is a doctor without an ÖGK contract. Care Austria reimburses Wahlarzt fees within the policy terms without Selbstbehalt — usually a better outcome for students who use private specialists. Are PhD candidates and exchange / Erasmus students covered the same way? PhD candidates over 30 typically don't qualify for ÖGK student self-insurance and use Care Austria (or voluntary ÖGK if employed by the institution). Not always. Erasmus students stay covered via EHIC for short semesters, but the host university may still ask for an Austrian Versicherungsnachweis — Care Austria Education or Care Economy is the usual gap-filler. Will I get an e-card with Care Austria? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): No — the e-card is issued only by ÖGK, BVAEB, SVS or KFA. With Care Austria you present the PDF Versicherungsbestätigung at contract doctors and hospitals; for Wahlarzt visits you pay the invoice and submit it for reimbursement through the Care Concept customer portal. Can I work in Austria with a student visa? Yes — non-EU students on the Aufenthaltsbewilligung Studierende (§ 64 NAG) may work up to 20 hours per week during the semester (Bachelor/Master); PhD candidates have no statutory hour cap. The first paid hour normally triggers ÖGK Pflichtversicherung through the employer, which replaces or runs alongside Care Austria. EU/EEA students under the Anmeldebescheinigung (§ 51 NAG) have no hour limit. Keep your insurance proof live until ÖGK officially confirms the new cover, then cancel Care Austria monthly. How long does MA 35 Wien take to issue the Aufenthaltsbewilligung Studierende? MA 35 Wien typically processes a first student residence-permit application in 4–8 weeks once your file is complete (Zulassungsbescheid, insurance proof, Unterhaltsmittel, accommodation). Bezirkshauptmannschaften outside Vienna (Graz, Linz, Salzburg, Innsbruck, Klagenfurt) are often a bit faster. Book the appointment via the official portals — wien.gv.at/amtshelfer for MA 35, the BH portal of your federal state otherwise. Care Austria Education from €51/month bridges the wait: the PDF certificate is accepted as Krankenversicherungsnachweis from day one and is monthly cancellable. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for MA 35 and inscription? Get your Care Austria certificate now. [Care Austria Education from €51/month (open-ended) ](/en/insurance-plans/care-austria/overview/)[Plan details ab nur 51,00 € / Monat ](/en/insurance-plans/care-austria/plan-details/)[30-second tariff finder](/en/tariffinder-germany/) [📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing ### More on Austria Part of [Health insurance for foreigners in Austria](/en/health-insurance-foreigners-austria/) — our hub for MA 35 proof, Care Austria, ÖGK and every residence-permit case. ### Deutschsprachige Version [Krankenversicherung Studenten Österreich — Inskription & Wahlarzt](/ratgeber-krankenversicherung-oesterreich/krankenversicherung-studenten-oesterreich-auslaender-inskription-wahlarzt/) — vollständiger DE-Ratgeber mit Preistabelle, MA 35-Schritten und ÖGK-Vergleich. Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: August 25, 2026.