Austria's statutory AUVA scheme only covers work and commuting accidents. A private accident insurance protects you 24/7 — including leisure, sports and household accidents. It is particularly useful for families, the self-employed, children, homemakers and seniors.
TL;DR
- AUVA only covers work accidents — private cover closes the 24/7 gap.
- Key benefits: disability sum, progression (e.g. 350 %), rescue and rehab costs.
- Families, children and athletes have the highest protection need.
The statutory AUVA accident insurance only protects employees in case of work and commuting accidents or listed occupational diseases. According to Statistik Austria, however, more than two thirds of all accidents in Austria happen during leisure or at home — outside this scope. A private accident insurance fills the gap: it pays an agreed disability lump sum, covers rescue and recovery costs and provides financial security for families when an accident has permanent consequences.
Private Accident Insurance Benefits
Lump Sum for Disability
One-time capital payment, scaled by the body-part table and degree of disability.
Accident Pension
Monthly pension for severe disability (typically from 50 %) as long-term security.
Hospital Daily Allowance
Daily payment during a hospital stay following an accident.
Rescue & Treatment Costs
Coverage of search, rescue, recovery and medical treatment costs.
Death Benefit
Financial security for dependants in case of accidental death.
Disability Daily Allowance
Daily payment during accident-related inability to work.
What really matters
A cheap premium without an adequate base sum is little help when it really counts.
Why AUVA cover is not enough on its own
❌AUVA (Statutory Accident Insurance)
- Only work and commuting accidents
- Listed occupational diseases
- No leisure accidents
- No household accidents
- No leisure sports accidents
✅Private Accident Insurance
- 24 hours, 7 days a week
- Valid worldwide
- Leisure and sports covered
- Household accidents included
- Flexible coverage modules
Disability Level and Payout
The amount of disability benefit depends on the degree of permanent impairment and the agreed body-part table:
Tipp: With progression (e.g. 225 %, 350 % or 500 %), the benefit increases disproportionately at higher disability levels — crucial for permanent severe disability.
Who should consider accident insurance?
Employees
Protection outside working hours
Families
Protection for all family members
Children
School commute and leisure activities
Homemakers
No AUVA coverage at home
Athletes
Increased risk of injury
Seniors
Higher risk of falls
Optional Additional Benefits
How to find the right policy
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Age, occupation and desired benefits
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Sources & authorities
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Go to Tariff CalculatorThis content is general information and does not replace personal advice. Premiums and benefits vary based on age, occupation, risk group and chosen modules. Status: May 2026.