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HEALTH INSURANCE

How can I get an appointment with a physiotherapist in Austria?

If you are recovering from an injury, experiencing pain, or simply aiming to improve your physical function, visiting a physiotherapist is a good idea. Here is what you need to know about physiotherapy in Austria.

Published: 23 April 2024 11:02 CEST
How can I get an appointment with a physiotherapist in Austria?
At the physiotherapist. Photo by Toralf Thomassen on Unsplash

Physiotherapy can be the key to improving mobility, managing pain, recovering from injuries, and optimising overall physical function. Many people will need such services at some point in their lives.

If you need a physiotherapist in Austria, you can choose between going to one who is contracted with your insurance company (Therapeut mit Kassenvertrag) or to a so-called elective therapist (Wahltherapeut). For both options, you will need a referral from a general practitioner, such as your family doctor (Hausarzt), if you want to access the service for free (with your e-card) or get a reimbursement for your treatment.

Physiotherapy through your health insurance company

If you want to go to a physiotherapist without having to pay for it, you can try to find a suitable physiotherapist who is contracted with your insurance company. 

Physiotherapy is free of charge if your therapist is contracted with large public insurance companies such as the Austrian Health Insurance Fund (ÖGK), Insurance Institution for Public Employees, Railways and Mines (BVAEB) or Social Insurance Institution for the Self-Employed (SVS).

These insurance companies settle directly with their contracted therapists and you do not need to pay anything out of pocket. However, accessing this kind of free treatment can sometimes be hard, as those with the most urgent needs are prioritised, which can result in long waiting times for appointments. 

Here you can find a list of physiotherapists who work privately but still have a contract with ÖGK, sorted by regions within Austria.

Physiotherapist of your choice

If you want to go to a therapist that is not contracted with your insurance company, you initially have to pay for the treatment yourself.

Once your treatment is completed and the treatment costs have been paid in full, you can apply to your health insurance company for reimbursement by submitting your confirmation of payment. Here you can find information on which other documents you may need to submit.

However, you will not be reimbursed the full amount. For example, with ÖGK, you usually receive about 80% of what contracted physiotherapists would get from ÖGK. If you are insured with SVS and BVAEB, the percentage is similar.

If you have another type of insurance, such as a private one, it is a good idea to check with them what their specific insurance covers.

Going to a physiotherapist can improve your quality of life. Photo by Sincerely Media on Unsplash

Where do I find a suitable therapist?

There are plenty of ways to find the right physiotherapist that fits your needs. Sometimes your family doctor may have a recommendation, or perhaps a friend can suggest one. If you prefer to explore on your own and consider more options, you can search for a therapist online.

Websites such as physioaustria offer useful search functions where you can find therapists based on specific criteria, such as specialisation or insurance contracts. You might also find physiotherapie.at helpful for your search.

READ MORE: Everything foreigners need to know about the Austrian healthcare system

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LIVING IN AUSTRIA

‘Haushaltsversicherung’: How does Austria’s home insurance work?

'Haushaltsversicherung' is one of Austria's most popular types of insurance. It is not mandatory, but it is certainly worth evaluating, especially as it comes with many possible add-ons.

Published: 2 May 2024 15:22 CEST
'Haushaltsversicherung': How does Austria's home insurance work?

Austrians are certainly obsessed with insurance coverage, and one of the most popular and common ones is known as the “Haushaltsversicherung”—if you don’t have it already, you have certainly heard of it. Here’s what you need to know about household insurance.

Firstly, this insurance covers damages to “all movable objects within your own four walls,” as Austria’s Chamber of Labour (AK) explains. This includes furniture, carpets, and electrical appliances. It would also cover damages caused by fire, storms, water, burglary, and glass breakage. 

Certain types of insurance, such as private liability insurance or mandatory dog liability insurance, are almost always combined with household insurance—another reason why the Haushaltsversicherung is so popular in Austria.

READ ALSO: What kind of insurance do I need to have in Austria?

However, there are enormous differences in premiums and benefits, so experts suggest you check precisely what you need before taking out insurance. The AK also says you should talk to an insurance advisor to learn more about your specific case and needs, particularly if you have any valuables in your home. 

Additionally, they said: “It makes sense to check your policy every few years to ensure that you are properly insured. This guarantees that the sums insured and the risks included are up-to-date and sufficient”.

What should I keep an eye on when reviewing policies?

Of course, different companies have their own offers, and they are often highly customisable to fit your apartment and lifestyle—some things you need to be aware of, though.

Certain policies are tied to the size of your apartment, while others will have a lump sum regardless of the size of your place. Policies also usually differ depending on whether you live in an apartment or a house. 

While most insurance will cover glass breakage (such as when a hail storm breaks your window, for example), some might have it as an add-on (wahlweise mit Glasbruch). 

You may also add other types of insurance to your household insurance, the most common being mandatory dog liability insurance (Hunde-Haftpflicht), legal insurance (Straf-Rechtsschutz), and sports insurance.

READ ALSO: Should I take out insurance before skiing in Austria?

It’s worth it to read each policy, but you should know some common clauses beforehand. For example, insurance often won’t cover burglary costs if your house has not been properly secured and locked. This might seem obvious, but since door knobs don’t open from the outside without the key, people often leave their homes, especially for short errands, and don’t lock the doors all the way. Insurance and safety experts recommend you get in the habit of locking your home doors.

It’s also important to check if your insurance will pay you “Neuwert” or “Zeitwert” in case of damage. 

A Neuwert means the insurance will pay for a replacement object, regardless of how old the stolen or broken one was. However, many insurance policies still contain the so-called “Zeitwert”, something like “current value”, so you wouldn’t receive an amount that could pay for a new product. Instead, a loss of value of around 10 percent per year could be expected for most objects.

What should I do if there is damage to my home?

If you see any damage to your home from burglary, accident or other types, you need to notify your insurer immediately and report the damage you have suffered. 

The insurance conditions usually stipulate a maximum period of three days for reporting a claim in property insurance. The Chamber of Labour also recommends that you send a written notification of the claim (preferably by registered mail, they add).

“Make a list of all items that have been destroyed or lost and enclose it with your report to both the insurer and the security authorities”, they said. And, of course, in the event of fire burglary or robbery, always inform the fire department or police authorities.

READ ALSO: EXPLAINED: The Austrian insurance for if you get sued – or want to sue someone

How long does the insurance last, and how much does it cost?

The insurance term is usually specified in the counteract. In general, though, you can terminate it after the third year with one month’s notice if the contract has not already expired.

If you move house or move abroad, you can terminate your household insurance contract. You can cancel the insurance the day before the move begins (preferably by registered letter).

If you do not exercise your right of termination, the insurance will remain valid during the move and in the new home.

Regarding prices, they can be as low as a few euros a month (such as insurance specifically tailored to students living in shared flats) to several hundred a month if you have a large place with plenty of valuables or include several add-ons. 

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