Private Health Insurance Costs Austria: Monthly Premium Overview

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What Does Private Health Insurance Cost in Austria?

The question of monthly costs for private health insurance is complex. Premiums vary considerably depending on age, health status, chosen tariff, and scope of coverage. This guide gives you a realistic overview.

Cost Factors Overview

What Influences the Premium?

Factor	Impact on Premium	Example
Age at Entry	Very High	30-year-old pays approx. 50% less than 50-year-old
Health Status	High	Risk surcharges up to 100% possible
Tariff Type	Medium-High	Private room + private doctor more expensive than just private room
Deductible	Medium	With deductible 30-50% cheaper
Insurer	Low-Medium	Differences up to 30% for same coverage
Region	Low	Vienna tariff often more expensive than regional tariff

Example Prices by Age

Monthly Premiums for Private Room Insurance

The following values are guidelines for private room insurance without deductible:

Age	Basic Tariff	Comfort Tariff	Premium Tariff
20 years	approx. €35-50	approx. €55-75	approx. €80-110
30 years	approx. €50-70	approx. €80-110	approx. €120-160
40 years	approx. €65-95	approx. €110-150	approx. €170-220
50 years	approx. €90-130	approx. €150-200	approx. €230-300
60 years	approx. €130-180	approx. €210-280	approx. €320-420

Note: The prices shown are non-binding guidelines and may vary by insurer, health status, and specific tariff.

Monthly Premiums for Private Doctor Insurance

Private doctor insurance (outpatient) is usually cheaper than private room:

Age	80% Tariff	100% Tariff
30 years	approx. €25-40	approx. €40-60
40 years	approx. €35-55	approx. €55-85
50 years	approx. €50-75	approx. €80-120

Ways to Save on Premiums

1. Agree on a Deductible

A deductible significantly reduces the monthly premium:

Deductible	Premium Savings	Recommended For
€590	approx. 30-35%	Rare hospital stays
€1,000	approx. 40-45%	Healthy individuals
€1,500+	approx. 45-55%	Maximum savings desired

2. Sign Up Early

The younger you are at contract signing, the cheaper the premium:

• Signed at 25: Significantly cheaper lifetime premium
• Signed at 40: Higher entry premium
• Signed at 55+: Highest premiums, some insurers reject

3. Compare Tariffs

Differences between insurers for comparable coverage can be up to 30%. Comparing pays off.

Costs for Families and Children

Child Insurance

Children are significantly cheaper to insure:

• Private room child: approx. €20-40/month
• Private doctor child: approx. €10-25/month
• Combined: approx. €30-55/month

Family Tariffs

Many insurers offer family discounts:

• Family discount: approx. 5-10%
• Group discount: up to 20%
• Baby option: Newborns insured without health assessment

Example calculation family (2 adults, 2 children):

• Basic tariff: approx. €180-280/month
• Comfort tariff: approx. €280-400/month
• Premium tariff: approx. €400-550/month

Annual Premium Development

Watch for Premium Adjustments

Private health insurances regularly increase their premiums:

• Average increase: 3-8% per year
• Reasons: Medical inflation, aging, increased utilization
• 45+ age group: Often stronger increases (up to 7.6%)

Tip: When choosing an insurer, don't just look at the current price but also the historical premium development.

Cost-Benefit Analysis

When Does Private Health Insurance Pay Off?

Example calculation private room:

• Monthly premium: €120
• Annual costs: €1,440
• One private room hospital stay: €3,000-10,000+

Break-even: With one longer hospital stay every 2-3 years, the insurance has paid off financially.

Non-financial benefits:

• Shorter wait times
• Free choice of doctor and hospital
• Single room and better comfort
• Chief physician treatment

Conclusion: Costs of Private Health Insurance

The monthly costs of private health insurance in Austria range from approx. €35 (young person, basic tariff) to over €400 (older person, premium tariff).

Key Insights:

• Age at entry is the most important cost factor
• Deductible can save 30-50% on premiums
• Comparing pays off - up to 30% difference
• Early signing secures low premiums long-term

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Disclaimer: The prices mentioned are non-binding guidelines for orientation. Actual premiums depend on individual factors such as health status, chosen tariff, and insurer. For a binding offer, contact an insurer or use a comparison calculator. CheckEverything.at assumes no liability for the accuracy of price information.