Option Tariff Private Room After Accident Austria

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What Is an Option Tariff?

The option tariff (also called "private room after accident" or "accident private room") is an affordable entry into private health insurance. It offers immediate coverage for accidents and the option to upgrade later to full coverage without a new health check.

The Option Tariff Concept

How Does It Work?

Phase 1: Affordable Entry

• You pay a low premium (from approx. €8-15/month)
• Immediate coverage for accidents (private room)
• No or simplified health check

Phase 2: The Option

• Within a certain period (often 3-10 years)
• Upgrade to full private room coverage possible
• WITHOUT new health check
• At the conditions valid for your entry age

Why Is the Option So Valuable?

Scenario	Without Option Tariff	With Option Tariff
You develop an illness	Rejection or high surcharges	Option usable without check
Pregnancy	9 months waiting period	Option immediately usable
Financial situation improves	New contract at older age	Upgrade at entry age rate

Benefits of the Option Tariff

What Is Immediately Covered?

For Accidents:

• Private room in hospital (single room)
• Free hospital choice
• Chief physician treatment
• No waiting periods

What Is NOT Covered:

• Illnesses (until option is exercised)
• Planned operations due to illness
• Chronic conditions

What Counts as an Accident? A sudden, external event that leads to bodily injury. Examples: Fall, car accident, sports injury, work accident.

Who Is the Option Tariff Ideal For?

Perfect Target Group

Profile	Why Option Tariff?
Young Professionals (20-35)	Start cheap, secure option for later
Students/Career Starters	Tight budget, but prevention important
Athletes	Higher accident risk, immediate coverage
Undecided	"Freeze health status" for later
Parents for Children	Secure early, low premiums

Less Suitable For

• People who need full coverage immediately
• Older individuals (short option window less valuable)
• People with known pre-existing conditions (option brings no advantage)

Costs of the Option Tariff

Typical Premiums

Age	Option Tariff/Month	Full Private Room/Month	Savings
25 years	approx. €8-12	approx. €45-70	80%+
30 years	approx. €10-15	approx. €60-100	80%+
35 years	approx. €12-20	approx. €80-130	75%+

Exercising the Option: What to Watch

Important Conditions

Option Period:

• Varies by insurer
• Typical: 3, 5, or 10 years from contract start
• Some tariffs: Possible at any time

Costs When Exercising:

• Premium calculated based on entry age (age when option tariff was taken out)
• No health check
• Waiting periods usually waived

Example:

You take out an option tariff at age 25. At 32, you exercise the option. The premium for full private room is calculated as if you were still 25 years old.

Cancellation Right When Exercising Option

Some insurers grant a special cancellation right if you don't want to exercise the option. Check the contract terms.

Frequently Asked Questions

What Happens If I Don't Use the Option?

The option tariff continues. You still have accident coverage. However, the option usually expires after the set period.

Can I Also Partially Upgrade?

Depending on the insurer, you can choose between different levels. Some offer only Basic, Comfort, or Premium as upgrade targets.

Are Accidents Treated Differently by Full Private Room Coverage?

After exercising the option, you're fully insured – whether accident or illness makes no difference anymore.

Are There Exclusions in the Option Tariff?

With some tariffs, certain extreme sports may be excluded. Check the conditions for sports like climbing, skiing, or motorsports.

Conclusion: Option Tariff as Smart Entry

The option tariff is an intelligent way to get into private health insurance early without having to put up the full budget.

Summary:

• Affordable: From approx. €8-15/month
• Immediate accident coverage (private room)
• Valuable option: Upgrade later without health check
• Ideal for young, healthy people

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Disclaimer: The information in this article serves as general guidance. Premiums, option periods, and conditions vary by insurer. For binding information, contact the insurance providers. CheckEverything.at assumes no liability for the accuracy of the information.