ÖGK (Austrian Public Health Insurance) Information 

Students who are not insured with compulsory health insurance within the EU can apply for health insurance for the duration of their studies if their place of residence is in Austria. 

For a successful application you need: 

  • the completed application form 
  • a Photo ID (copy) or e-card (copy) 
  • Meldezettel (Austrian address registration) 
  • a certificate of enrollment 
  • a confirmation of the duration of previous studies (in case you have already studied in an EU/EEA country or Switzerland) 
  • an E104 form (only EU citizens excl. Austrian citizens) 

CostsThe monthly contribution for the self-insurance for students is EUR 64,78 (2022). For detailed information please check the ÖGK website. 

Coverage: You can find information about the services and coverage of the Austrian Public Health Insurance here. The coverage starts on the day following the submission of the application. The self-insurance will be activated retroactively when missing documents or enquiries have been completed. If it is confirmed that you have current compulsory insurance within the EU/EEA/Switzerland, your application will be rejected. 

Self-insurance for students is not possible

  • if the ​​(work-related) income exceeds € 15,000.00 per calendar year,
  • if the course of study was changed before the current course of study within the meaning of § 17 of the Studienförderungsgesetz 1992,
  • if the average duration of studies has been exceeded by more than four semesters without important reasons (e.g. military service, civilian service, childbirth),
  • if a university course was already completed before the current course of study. However, this does not apply to self-insured persons who do not receive income above the low income threshold (€ 485,85 in 2022) during their studies. Doctoral studies following a master's or diploma study program or master's or bachelor's study program etc. are not considered second-degree studies if the field of study remains the same.

eCard/EHIC: Once you enroll with ÖGK you will receive an eCard/EHIC (Austrian health insurance card). It will be sent to you automatically by your health insurance provider by post. The e-card is an important electronic document, it is your personal key to public health care. It must therefore be brought with you and presented at every visit to the doctor or for treatment in one of the social security and hospital health facilities. On the back of your eCard you can find the European Health Insurance Card (EHIC). For further information check out the FAQ about eCard from ÖGK. 

How to make a doctor’s appointmentThe Austrian Public Health Insurance does not cover bills from private doctors (Wahlarztlike those in the LARA network (or at least not all of it). However, you can search for a doctor (e.g. on this homepage called docfinder, filter for your health insurance (Krankenkasse) on the left side), just make an appointment and show them your eCard―they will not charge you for a medical visit or only for special treatments (make sure to check with them before agreeing to any treatment). If you did not receive your eCard yet, just tell them your social insurance number and bring a photo ID with you. You can also make an appointment with the CEU Medical Center on Campus. 

Reimbursement: If you decide to make an appointment at a private doctor and pay for the treatment yourself you can request a (partial) reimbursement from ÖGK. Read more about private doctors and reimbursement.

Please note that most information from ÖGK is provided in German only. However, you can find a summary of the student-self insurance by ÖGK in English here and a translation of the insurance conditions by us here. If you need help or further information, please contact us at studentcenter@ceu.edu.

Information for trans* students about the coverage of Hormone Replacement Therapy (HRT): In general, ÖGK covers prescribed hormones for a transition. If you have started the treatment in your home country already and can show proof of this ongoing treatment then this is relatively easy: You would have to show this proof to ÖGK central at Wienerberg, get it approved by them, and then you can get the prescribed hormones from a pharmacy. ÖGK will refund the costs, at least partially. If you did not start the treatment before coming to Austria the process is more complicated. In this case, several expert opinions are needed: a psychological report, a psychiatric report, and a psychotherapeutic report―this could take a long time. Once all of those reports are approved by ÖGK they will also cover those costs, at least partially. Therefore, we do not recommend transferring to ÖGK for hormone replacement therapy if you are staying in Austria for one year only. If you are staying for longer than that and consider transferring to ÖGK, please get in touch with the Student Center for further administrative advice. You can find more information about trans rights at CEU and healthcare in Austria here.

Austrian Citizens 

If you are no longer co-insured (e.g. with your parents) and are not insured under an employment contract you can apply for the student self-insurance at ÖGK. CEU will refund the costs up to 65 EUR/month. This is what you need to do: 

1Apply for Austrian Public Health Insurance: Fill out the application form "Antrag auf Selbstversicherung in der Krankenversicherung für Studierende" and submit it to ÖGK. 

2Request support from CEU: Once you have sent the insurance confirmation you received from the Austrian Authorities to the Student Center your application will be reviewed, and you will receive a (partial) refund of your expenses. 

You can find more information about student self-insurance at ÖGK here. 

 

EU Citizens 

If you would prefer to get enrolled in the Austrian Public Health Insurance (ÖGK) instead of the private health insurance by FeelSafe, this is what you need to do: 

1) Cancel your home country's state health insuranceRequest an E104 form from your home country which confirms that you are not enrolled in your home country’s state health insurance system 

2) Apply for Austrian Public Health Insurance: Fill out the application form "Antrag auf Selbstversicherung in der Krankenversicherung für Studierende" and if possible, attach the E104 form when submitting the application to ÖGKOtherwise, ÖGK will request the form directly, which could take several weeks. 

3) Request support from CEU: Once you have sent the insurance confirmation you received from the Austrian Authorities to the Student Center your application will be reviewed. CEU will refund the costs up to 65 EUR/month and your private FeelSafe insurance is terminated form the date of enrolment to ÖGK. 

You can find more information about student self-insurance at ÖGK here. 

 

Non-EU Citizens 

If you would prefer to get enrolled in the Austrian Public Health Insurance (ÖGK) instead of the private health insurance by FeelSafe, this is what you need to do: 

1) Apply for Austrian Public Health Insurance: Fill out the application form Antrag auf Selbstversicherung in der Krankenversicherung für Studierende and submit it to ÖGK. 

2) Request support from CEU: Once you have sent the insurance confirmation you received from the Austrian Authorities to the Student Center your application will be reviewed. CEU will refund the costs up to 65 EUR/month and your private FeelSafe insurance is terminated form the date of enrolment to ÖGK. 

You can find more information about student self-insurance at ÖGK here.