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Austria · visa health insurance

Health insurance for an Austrian residence permit

Austria’s published standard is territorial and broad: insurance that provides benefits in Austria and covers all risks, with claims payable in Austria — stricter than a Schengen travel policy and assessed case by case. That makes the certificate wording the whole game. Pick your route below for the exact rule, its source, and the date we last checked it.

Which visa are you applying for?

Pick your path — we’ll show you the exact rule for your case.

Settlement permit

The all-risks, payable-in-Austria standard.

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What drives the premium

The honest cost factors, no prices.

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Not sure which level?

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Austria: the published rule

The rule in writing

“Austrian residence permits require health insurance that provides benefits in Austria and covers all risks, with claims payable in Austria — a stricter standard than a Schengen travel policy, assessed case by case.”

Official source: migration.gv.at & oesterreich.gv.at — residence-permit general conditions — Last verified:

Austria insurance guides

Health insurance for Austria’s settlement permit

Austrian settlement permits need insurance providing benefits in Austria, all risks covered, payable in Austria. The official rule and cover that meets it.

Read the rule

Underwritten by Regency Assurance · regulated by the FSRC (Nevis)

Trustpilot 4.4 Certified ISO 27001 Information security Compliant PCI DSS v3.2 payment security Best Int’l Employee Benefits Provider Manage HR · 2023 99% of claims paid Clients in more than 120 countries Same-day cover, no medical exam 14-day cooling-off period

Ratings, certifications and figures are Regency Assurance’s — our underwriter — quoted from public sources and verified July 2026. Independent scores update over time: see Regency on Trustpilot (4.4/5) and Reviews.io (3.92/5). Covered Abroad’s own reviews appear here once we have them.

Common questions

What insurance does an Austrian residence permit require?

Cover providing benefits in Austria, covering all risks, with claims payable in Austria — assessed case by case. A Schengen travel policy is not enough.

What does “all risks” mean?

Broad medical and hospitalisation cover without significant exclusions on core care — which is why certificate wording matters more than brochure claims.

Is there a waiting gap before public coverage?

Many new residents face one. Private cover valid in Austria bridges the permit application and those first months.

Get a certificate that meets the published rule

Tell us your destination, visa, and who’s moving. Our team reviews it against the current requirement and calls you with a quote — no obligation.

Get my quote Check my policy first

Before you request a quote: cover is worldwide but excludes treatment in the United States, and pre-existing conditions are not covered — including conditions you did not know about. We say this up front so a quote is worth your time.