Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
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.”
Official source: migration.gv.at & oesterreich.gv.at — residence-permit general conditions — Last verified:
What health insurance in Austria actually costs
From age 18, Regency's 2026 EU-region rates start at $392 a year for Essential, $721 for Major Medical, $1,133 for Standard, $1,525 for Comprehensive, and $1,906 for Fully Comprehensive. Every plan starts cover the same day, with no medical exam. That's the easy number. The harder part is the standard: Austria's residence permits don't accept a travel policy. They require cover that pays claims inside Austria, under all-risks terms; which is why the certificate wording matters as much as the price tag.
Real examples: prices at 40, 55, and 65
Age is the main driver of price here, not health; there's no medical exam, so nothing about your health history changes these numbers. Here's what the same five tiers cost at three common relocation ages, shown as the annual price with the real monthly-billing installment in brackets:
| Plan | Age 40 | Age 55 | Age 65 |
|---|---|---|---|
| Essential | $589/yr ($57/mo) | $926/yr ($90/mo) | $1,731/yr ($167/mo) |
| Major Medical | $1,081/yr ($104/mo) | $1,701/yr ($164/mo) | $3,180/yr ($307/mo) |
| Standard | $1,804/yr ($174/mo) | $3,199/yr ($309/mo) | $5,367/yr ($519/mo) |
| Comprehensive | $2,475/yr ($239/mo) | $4,334/yr ($419/mo) | $6,917/yr ($669/mo) |
| Fully Comprehensive | $3,094/yr ($299/mo) | $5,418/yr ($524/mo) | $8,646/yr ($836/mo) |
Essential accepts new applicants up to age 80; the other four tiers cap entry at 70.
Family pricing: children are a flat rate
Children age 0 to 17 are priced flat; the same number applies at 2 or at 17, with none of the age curve you see in the adult table above:
| Plan | Child (0–17) |
|---|---|
| Essential | $308/yr |
| Major Medical | $566/yr |
| Standard | $853/yr |
| Comprehensive | $1,151/yr |
| Fully Comprehensive | $1,439/yr |
See what your whole household costs, priced by each person's age; a couple with two kids rarely fits a single per-person figure.
Annual vs monthly billing, and what happens next
Paying annually is the cheapest way to hold any of these five plans. The monthly figures above are real monthly-billing installments; not the annual total divided by twelve; so they already include that billing's own loading.
On the harder question, whether a plan actually satisfies your permit, we don't guess and we don't promise. We arrange international cover valid in Austria with the certificate worded for the authority (partner arrangements confirmed July 2026); if your permit type doesn't fit our arrangement, we say so before you pay. That's why a person reviews your permit type before any quote becomes a policy; whether you're moving on a Settlement Permit, a Red-White-Red Card, or something else.
Next: see your own numbers by age, check what Austria's settlement permit actually requires, read how Austria's healthcare system works day to day, or go straight to a quote.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.