Insurance in Austria

Only third-party car liability is mandatory for every registered vehicle (§ 59 KFG). Special cases: in Vienna, listed dog breeds must have liability cover (§ 5 Vienna Animal Keeping Act). Professionals such as doctors, lawyers or notaries need professional liability. General private liability is not legally required but strongly recommended.

The statutory health insurance (ÖGK, SVS, BVAEB) covers basic medical care. A supplementary private policy pays off for hospital comfort care, free choice of doctor and shorter waiting times for specialists. Source: Federal Ministry of Social Affairs and ÖGK.

No, it is voluntary. However, your landlord can require it in the lease, and banks usually require it when granting a home loan. Most policies include personal liability cover.

Most policies run for one year and renew automatically. Standard notice is three months before renewal. Special cancellation rights apply on premium increase or after a claim (§ 41a, § 96 VersVG). Source: RIS, VersVG.

Health insurance is mandatory for anyone registered as a resident (statutory or equivalent private). EU citizens often use ÖGK; third-country nationals usually need a private solution. Add car liability (if you drive), personal liability and household insurance. Source: migration.gv.at, Federal Ministry of Social Affairs.

Concrete premiums vary by age, federal state, scope and insurer. Reliable benchmarks come from the annual VVO industry report and the durchblicker.at calculator. Flat statements are unreliable - request an individual quote.

Household insurance protects your own belongings (furniture, electronics, clothing) against damage. Personal liability pays when you accidentally cause damage to someone else. In Austria, personal liability is typically bundled inside the household policy.