Informational guide, not individual legal, tax, or medical advice. Check amounts, forms and terms with official sources before taking action.
Operational framework
In Austria it is necessary to separate citizenship, duration, competent region and work activity. For an Italian student the residence path starts from Meldezettel and Anmeldebescheinigung; for a third country student the reference is Aufenthaltsbewilligung – Student. This distinction also affects insurance, employment and renewal.
TEAM
Rule:For temporary EU student it covers necessary care according to public rules.
What to do:It is not travel insurance or private coverage.
Operational verification:Before closing the «TEAM» step, connect the current source, the document presented and the receipt; Note the next deadline and who can fix a mistake.
ÖGK students
Rule:The Student Selbstversicherung requires conditions and application.
What to do:Check current premium and start.
Operational verification:The complete version, date and issuing authority are stored in the «ÖGK Student» file. If check current premium and start. this is not possible, ask in writing which alternative test is accepted.
Work
Rule:Employment above the applicable conditions may create compulsory insurance.
What to do:Check employer registration.
Operational verification:Check «Work» before paying or signing: identity of the other party, competent territory, amount, deadline and consequence of non-performance must be from a verifiable source.
Extra-EU
Rule:The permit requires all-risks insurance valid in Austria.
What to do:Confirm acceptance before applying.
Operational verification:For «Extra-EU» a verbal confirmation is not enough. Save the institution’s response, case number and proof of delivery; reevaluate the transition when you change address, course or job.
e-card
Rule:After registration you receive e-card; photos and data must be correct.
What to do:Take her to the doctor.
Operational verification:Before closing the “e-card” step, connect the current source, the presented document and the receipt; Note the next deadline and who can fix a mistake.
Kassenarzt
Rule:A Vertragsarzt invoices the system; Wahlärzte require payment and partial refund.
What to do:Ask about status and rate.
Operational verification:The complete version, date and issuing authority are kept in the «Kassenarzt» file. If you ask status and rate. this is not possible, ask in writing which alternative test is accepted.
Emergencies
Rule:144 ambulance, 112 European, 1450 health consultancy.
What to do:Use 144 for life risk.
Operational verification:Check «Emergencies» before paying or signing: identity of the other party, competent territory, amount, deadline and consequence of non-compliance must be from a verifiable source.
Medicines
Rule:Many require Rezept and Selbstbehalt.
What to do:Bring active ingredient and prescription.
Operational verification:For «Drugs» a verbal confirmation is not enough. Save the institution’s response, case number and proof of delivery; reevaluate the transition when you change address, course or job.
Dentist
Rule:Public coverage does not include every benefit.
What to do:Ask Heilkostenplan.
Operational verification:Before closing the «Dentist» step, connect the current source, presented document and receipt; Note the next deadline and who can fix a mistake.
Psychology
Rule:Access and reimbursement vary.
What to do:Use university counseling and ÖGK.
Operational verification:In the «Psychology» file you keep the complete version, date and issuing authority. If he uses university counseling and ögk. this is not possible, ask in writing which alternative test is accepted.
Work accident
Rule:AUVA manages work accident insurance.
What to do:Have event recorded.
Operational verification:Check «Work accident» before paying or signing: identity of the other party, competent territory, amount, deadline and consequence of the non-compliance must be from a verifiable source.
Departure
Rule:TEAM/ÖGK change with work and residence.
What to do:Coordinates Italy and Austria without double hiring.
Operational verification:For «Departure» a verbal confirmation is not enough. Save the institution’s response, case number and proof of delivery; reevaluate the transition when you change address, course or job.
Health record for the transfer
Prepare a summary in English with diagnoses, interventions, allergies, vaccines, medications by active ingredient/dose and doctor’s contact details. Bring prescriptions and allowable quantities in original packaging. Keep an encrypted copy and an essential version accessible in an emergency. For ongoing therapies, identify a GP and book before stocks run out.
Contact insurer in advance for pre-existing conditions, waiting periods and pre-authorisation. Ask for written responses with policy clause and claim number. A business letter from the provider does not replace wording. If a treatment is important, check the doctor, facility, medication, diagnostics and follow-up separately.
Ask for a healthcare quote
Describe the service and codes, ask for provider fees, insurer benefits, excess and annual maximum. “Covered” can mean partial refund. For scheduled procedures obtain informed financial consent. Check if referrals expire and if each specialist bills separately. Store invoices, receipts, referrals and reports.
Don’t put off an emergency because of the cost. Use the national number when it exists for non-urgent triage; in danger call emergency. After stabilization contact insurance. If an invoice is unmanageable, ask for itemisation, correction, payment plan and patient advocate instead of ignoring it.
Continuity and privacy
Choose a stable GP when possible and authorize record transfer. Please communicate if you prefer an interpreter; Don’t use a roommate for intimate information when a professional service is available. Ask how data is shared with the university, insurer or family. The educational provider must know only what is needed for accommodations or emergencies.
Personal emergency plan
Save emergency number, nurse line, insurer, campus security and trusted person. Record address and coordinates. Keep essential medications, allergy list and power bank. For mental health agree signals, contacts and safe place. Review the plan after moving house, phone or policy.
Coverage figures for 2026
Preferential ÖGK student self-insurance costs €78.84 a month in 2026, subject to residence, enrolment, income/study-duration rules and absence of another compulsory scheme in Austria, the EU/EEA, Switzerland or a treaty state. It gives benefits in kind, not cash sickness or maternity benefits. Applying within six weeks after eligible prior cover ends can preserve continuity; otherwise cover normally starts the day after application.
Employment above €551.10 a month normally triggers compulsory employee insurance. Below it, only accident cover is automatic and voluntary health/pension cover costs €83.49 monthly. A third-country permit still requires all-risks coverage; entry travel insurance, generally at least €30,000 including repatriation, is only a bridge unless accepted for the full stay.
Official sources
Verified: 2026-08-14.