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How much can you expect to pay for private healthcare in Vienna?

In recent years, the number of public doctors in Vienna has fallen. As a result, many people have turned to private care. But how much can you expect to pay?

Published: 21 May 2024 10:38 CEST
How much can you expect to pay for private healthcare in Vienna?
Doctor communicating with patient in her office. Photo by cottonbro studio: https://www.pexels.com/photo/a-doctor-talking-the-patient-7579831/

In Austria, private healthcare works alongside the public healthcare system. If you want private care, you typically need to sign up for private healthcare insurance or pay out of pocket initially and later seek reimbursement.

The cost of private healthcare in Vienna can vary depending on factors such as the type of treatment, the provider, and insurance coverage. In general, private healthcare services tend to be significantly more expensive than the services provided by the public system.

Private healthcare insurance 

The monthly cost for private healthcare insurance in Vienna averages around €30 for children and between €45 and €100 for adults.

The cost is determined by your age, health status, and anticipated healthcare needs. When you apply for private insurance, your health and medical history are usually examined.

Signing up for private healthcare insurance at an early age often means lower costs. Existing health insurance contracts are adjusted annually for inflation only, without further adjustments.

UNIQA, Wiener Städtische, Generali Health Insurance, Mercury, Allianz Health Insurance, and the Danube are among the largest and best-known providers of private healthcare insurance in Vienna.

READ ALSO: EXPLAINED: What is a Wahlartzt in Austria?

How does it work?

Every policy is different, but most private insurance work with the public companies, especially since most workers in Austria are insured with one of the public companies via their work or employment – with the majority of them insured by ÖGK.

When you go to an elective doctor in Austria, you will pay out of pocket for your appointment. Later, you’ll need to ask for reimbursement from your compulsory public insurance company. Once you receive confirmation of the reimbursement,  you’ll send all documents (including doctor fees and the public reimbursement) to your private insurance, which will pay the difference between what you paid at the doctor and what you got back from your public insurance.

This is typically done online and could even be partially automated, with doctors sending their fees and payment notes directly to public insurance.

Pay out-of-pocket

If you do not want to sign up for private healthcare insurance, you can stay with your public one, pay out of pocket if you need private services, and later receive a partial reimbursement. 

In general, a visit to a private practitioner costs between €80 and €120, and a visit to a specialist (orthopaedist, dermatologist, cardiologist) between €150 and €200 in the Austrian capital.

The amount of money you can get back if you go to a private doctor varies depending on several factors, including your health insurance company and the specific services provided by the doctor.

For example, with the most common public insurance, Österreichische Gesundheitskasse, ÖGK, around 80 percent of the amount that ÖGK would have spent if the doctor was linked to the public system is reimbursed. It is important to note that this does not correspond to 80 percent of your medical bill but to 80 percent of what ÖGK would have paid for your treatment at a public doctor, which is significantly lower than the amount listed on your bill.

Fewer public doctors in Vienna

In Vienna, there has recently been a decrease in the number of public doctors and an increase in the number of private ones.

Experts believe the reasons are stressful working conditions and limited numbers of contracts for doctors with public healthcare insurance. Public doctors are said not to take enough time for each patient, as the number of patients determines the profit. 

Over the past six years, the increase in private doctors has been particularly notable for doctors specialising in dermatology (rising from 58 percent to 71 percent) and urology (increasing from 55 percent to 62 percent).

READ NEXT: Healthcare in Austria: Why are there fewer ‘public’ doctors?

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HEALTH

When can I ask for reimbursement for medical expenses in Austria?

If you visit an 'elective doctor' in Austria or go for certain procedures and examinations, you might have to pay the costs upfront. But when will your statutory health insurance reimburse you?

Published: 14 June 2024 12:15 CEST
When can I ask for reimbursement for medical expenses in Austria?

Austria’s health system can seem complicated. Most people are insured by statutory insurance companies, ensuring they receive quality care for free in the country. 

However, there may be times when you want to go the private route – be it for specific examinations, or if you are searching for a particular specialist or, most commonly, if you just can’t or won’t wait to get an appointment via the public system. As the number of public doctors drops, more and more people have reached out to the “elective” doctors, or to private laboratories for certain exams instead of waiting weeks in the public system.

In those cases, the public health insurance funds often reimburse your expenses, at least partially. 

READ ALSO: Six things to know about visiting a doctor in Austria

When can I ask for reimbursement?

There are several cases when you can be reimbursed by Austria’s largest health insurance company, the ÖGK. These include:

  • Private or elective doctors: Elective doctors do not have a contract with the Austrian Health Insurance Fund (ÖGK). You will therefore be treated there as a private patient and must initially pay for the treatment yourself. In most cases, ÖGK will reimburse part of the costs.
  • Dental Health: In addition to conservative dental treatment and dentures, the ÖGK dental services also include jaw adjustments (braces).
  • CT, MRI and x-rays: Computed tomography (CT), magnetic resonance imaging (MRI) and X-rays are “diagnostic imaging procedures”. The Austrian Health Insurance Fund (ÖGK) covers the costs if the examination is carried out at an authorized institute.
  • Therapists: the ÖGK will cover costs for speech therapy, physio therapy and psychotherapy, among others. You can read more HERE.
  • Midwives: Midwives support women during pregnancy, during childbirth and in the initial period afterwards. The Austrian Health Insurance Fund (ÖGK) covers certain costs for the midwife.
  • Hospital stays: Persons insured with the Austrian Health Insurance Fund (ÖGK) can receive outpatient or inpatient treatment in certain hospitals throughout Austria. The fund will not cover any special fees that are incurred for accommodation in “special class” (some hospitals offer private rooms as special class, for example). For medically necessary treatment in hospitals with which there is no contractual relationship,  ÖGK currently pays a daily care cost allowance of € 399.97, but not more than the actual costs incurred.
  • Medical aids and medication: The Austrian Health Insurance Fund (ÖGK) covers the costs of medical aids and aids such as hearing aids, diabetes supplies or bandages if you have a doctor’s prescription for them. The ÖGK also covers medication costs, but you need a prescription from a doctor. 

READ ALSO: How much can you expect to pay for private healthcare in Vienna?

How much will I get?

The reimbursement does not cover the whole cost. Once the reimbursement is approved, you will get 80 percent of what the ÖGK would have paid to the public system. This is not the same as 80 percent of your invoice.

The insurance fund doesn’t always approve invoices, it will evaluate the need and set up limits (so, you won’t get a refund on every doctor’s visit if you go to the same specialist type in a short period, for example). Particularly if you plan on a big expense, it’s worth it to check with the fund beforehand if they would cover the private costs.

How can I claim reimbursement?  

You first need to obtain receipts for all medical expenses, including doctor’s invoices, hospital bills, and pharmacy receipts. You’ll also need to gather payment confirmation. Then, you submit this information as a claim request on the website of your insurance company. With ÖGK, the link is HERE.  

You then wait for the processing time, which can take up to several weeks. If your request is approved, you’ll receive the money back straight to the bank account you have in your account details on the insurance website. 

READ ALSO: Will my Austrian health insurance pay for medical expenses abroad?

What if I have private insurance?

Most private insurance in Austria work with statutory companies. You’ll follow the same exact path. Once you get confirmation of how much the public insurance will reimburse you (or if it won’t reimburse you), you can then send all these documents to your private insurance. They will pay the difference between what you got from the public company and what you paid in private healthcare.

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