SVS Austrian Public Health Insurance for self-employed individuals (PhD students with taxable stipends)

SVS Austrian Public Health Insurance for self-employed individuals (PhD students with taxable stipends) 

In general, all international CEU students are provided with private health insurance by UNIQA. Non-EU citizens can register prior to their arrival in Austria since health insurance is required for an Austrian residence permit. EU citizens can register upon their arrival in Austria only. The insurance is valid from Sept. 1 until the SVS registration has been completed (within 4 weeks of receiving taxable stipend).  

For tax purposes, PhD students receiving taxable stipends, are considered as new self-employed individuals in Austria. In line with this they have to: 

  • file their own taxes AND  
  • need to register at the national SVS insurance provider within 4 weeks of receiving taxable stipend from CEU 

 General information about SVS registration:  

  1. Whenever a student starts receiving taxable stipend in Austria they are considered as a “Neue Selbstständige/New self-employed” individual and registration for SVS insurance is mandatory once the student earns over EUR 5,830.20 (2022) or EUR 6,010.92 (2023) per calendar year.  
  2. Registration needs to be done by the student within 4 weeks of the self-employment activity (September for new/incoming students). 
  3. The student must fill in a SVS registration document including reporting the income activity, the total amount of the expected income. Please see the application process below. 
  4. Once a “new self-employed” individual is registered at the SVS, the student has access to the SVS OnlinePortal and receives a payment request from the SVS each quarter (February 28/May 31/August 31/November 30) which is a percentage (approx. 28%) based on the net income/tax assessment notice of the past year (if any). 


Please calculate your SVS contribution as follows (specific calculation could be found here):

SVS Contribution = net basis amount*18.5% + net basis amount*6.8% + net basis amount*1.53% + 10.64EUR/month

SVS insurance calculated from the net basis amount consists of:

  • pension insurance              (18.5%) 
  • health insurance                 (6.8%) 
  • EUR 10.64 (2022) or EUR 10,97 (2023) fixed fee for accident insurance 
  • retirement fund                  (1.53%) 

It is highly recommended to pay the correct (as per your calculation) social security amount until Dec 31, 2022 to reduce the taxable income in 2022 and the income tax payment.

Detailed information about the SVS insurance can be found here: 

Application process: 

  1. Go to the website of the AT Social Security body (SVS). Even though the website is in German only you can easily translate it to English by right-clicking with your mouse in the browser. 
  2. Versicherungsanmeldung für Gewerbetreibende, Neue Selbstständige und Freiberufler - click Online Antrag (online application).  
  3. If you have a social security number, use it for the SVS registration. If you do not have one click “Ich habe noch keine österreichische Sozialversicherungsnummer” (I do not yet have an Austrian social security number), it will be created at the point of SVS registration. 
  4. A confirmation of your successful SVS registration can be downloaded from the SVS OnlinePortal by following the steps below:
    1. Go to "Meine Beiträge"
    2. Click on "Zur Vorschreibung" (at the end there are documents to download)
    3. Click on "Versicherungsbestätigung erzeugen" (insurance confirmation issuance)

Details about the SVS registration process can also be found in the Austrian taxation expert Baldinger & Partner presentation (VII How to apply for an AT social Security Number) including the template for an SVS application. 

For questions, please contact the SVS directly at (+43) 050 808 808.  


Once you enroll with the SVS you will receive an eCard/EHIC (Austrian health insurance card). It will be sent to you automatically per 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.   

How to make a doctor’s appointment:

The Austrian Public Health Insurance does not cover bills from private doctors (Wahlarzt). 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.   


If you decide to make an appointment at a private doctor and pay for the treatment yourself you can request a (partial) reimbursement from SVS. You can upload your invoice to the SVS OnlinePortal and they will inform you how much will be reimbursed.   


Please also be aware that some more expensive medical treatments need pre-approval from the SVS in which case you need to get that medical treatment pre-approved by the SVS through uploading the document from your doctor called “Überweisung” into the SVS OnlinePortal. The pre-approval might take up to 1-2 weeks. Doctors usually know if the medical treatment needs to be pre-approved, so please ask them if you are unsure. 


In order to find more detailed information about the SVS Austrian insurance provider for new self-employment, please refer to the SVS FAQ in the Student Life SharePoint site of the Dean of Student office.