Private Health Insurance
Complete medical coverage, tailored to your situation
Private health insurance replaces public health insurance and lets you build your own protection: from entry-level plans with benefits above the public insurance level to top-comfort solutions. The premium does not depend on your salary, but on the scope of benefits, your entry age and your health condition.
Benefits of this insurance
Unlike public insurance, benefits are guaranteed for the entire contract term, with no cuts.
Access to specialists and private clinics, with full freedom to choose where and with whom to be treated.
From students and civil servants to high-income professionals, with plans tailored to each profile.
If you don't use benefits during the year, you may be eligible for a partial premium refund.
What is covered
Outpatient, hospital and dental care
Covers medical consultations, hospital treatments and dental benefits, according to the scope of the chosen plan.
Reimbursement up to the maximum fee schedule
In top plans, medical fees are reimbursed up to the legal maximum (GOÄ).
Hospital comforts
Depending on the plan, includes a single room, chief physician treatment and other private-patient services.
What is not covered
Joint family insurance
Unlike public insurance, there is no free family coverage: each person is insured individually and pays their own premium.
Free switching between systems
Returning to public health insurance after taking out a private plan is subject to specific legal conditions.
Real claim examples
Hospital treatment with the chief physician
After a procedure, Beatriz receives private treatment from the chief physician in a single room. The insurance covers the full cost under her plan.
Specialized dental treatment
Jorge needs a root canal and a crown. His private health insurance covers the fees according to the agreed fee schedule.
Frequently asked questions
Who can take out private health insurance?
Mainly people above the public insurance income threshold, self-employed professionals, freelancers and civil servants.
Can I switch back to public insurance later?
Returning is subject to specific legal conditions, such as age or changes in your employment situation; this should be carefully considered before signing up.
What happens if I don't use the insurance during the year?
Many plans offer a partial premium refund if you do not claim benefits during the year.
Looking for the best possible medical coverage?
Tell us your work situation and coverage priorities, and we will recommend the right plan.
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