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© 2016 Dwellworks
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Vienna City Guide
Health and Insurance
Mandatory and Recommended Insurances
As in every country, being well-insured is very important in Austria. It is advisable to get
advice by an independent insurance company or insurance broker before deciding on your
individual insurance package. Some insurances are compulsory, others are optional,
depending on the level of security the individual person needs.
A health Insurance and liability insurance (for the car) are mandatory, whereas personal
liability insurance, household insurance and legal insurance are recommendable to have.
Types of Insurances
Personal Liability Insurance
Personal liability insurance covers injury or damage unintentionally caused to other persons,
their property or assets, worldwide. You are covered whether the negligence was yours or
that of a family member. This insurance is optional, but highly recommended and provides
protection against possibly important claims against yourself and your family.
Many landlords will demand proof of a liability insurance before or after signing a lease
contract, since it covers cases of liability for injury or damage to other persons or their
property.
Household Insurance
Household Insurance, which covers for example the contents of one’s home against fire, tap
water damage, house-breaking, robbery, storm, glass breakage, and hail is
recommendable, and some landlords insist on it. It is always recommended to check the
individual insurance policy as to which items and events are covered by the insurance.
Legal Insurance
Legal insurance can be taken out for different purposes, depending on what you wish to
cover - such as for the entire family, employment, traffic infractions or the lease of your
home.
Health Complementary Insurance
Complementary insurance is available to improve public health coverage. You may,
amongst other things, increase your dental coverage, secure single-bed accommodation in
hospital, etc.
Travel Health Insurance
Travel health insurance is valid worldwide and covers urgent medical help and return
journeys to your place of residence in case of illness or death.
Private Accident Insurance
Depending on the individual policy, defined monetary compensation (plus monthly rent),
depending on the degree of injury, will be received. Private accident insurance may even
pay in the cases of death, of cosmetic surgery, and of urgency services. Lesser injuries,
such as a broken arm or leg are usually not covered.
Private Disability Insurance
Private disability insurance provides protection in case of work incapacity due to a serious
illness or damage to your senses or body.