50 Best
Home/Austria
🇦🇹

Best Health Insurance in Austria

6 insurers ranked and reviewed · Updated May 2026

Sources:Arbeiterkammer (Chamber of Labour)krankenversichern.at

Healthcare System Overview

Austria has a mandatory social health insurance system covering ~99% of the population through statutory funds (OGK for employees, SVS for self-employed, BVAEB for civil servants). Private health insurance (Zusatzversicherung) is supplementary, purchased for faster access to private hospital rooms (Sonderklasse), choice of doctor, and reduced waiting times. About 35% of the population holds supplementary private health insurance.

#1

UNIQA Versicherungen AG

private1.0M members
92.5Score
krankenversichern.at: #1 PHI Market Share(2025)AK: CustomerChoice Index Ranked(2025)
★★★★☆4.2satisfactionFinancial strength: Strong (Solvency II ratio above Allianz/AXA)

Private Market Share

~44%

Founded

1811

Plan Types

Sonderklasse and outpatient

  • Austria's #1 private health insurer with ~44% market share
  • Comprehensive Sonderklasse (private ward) and outpatient plans
  • Large provider network across Austria
  • Digital health app and telemedicine integration
View DetailsGet Quote→
#2

Wiener Stadtische Versicherung (Vienna Insurance Group)

Wiener Stadtische Versicherung AG

private600K members
85Score
krankenversichern.at: Premium Sonderklasse(2025)
★★★★☆4.0satisfactionFinancial strength: Strong (Vienna Insurance Group)

Private Market Share

~17-18%

Parent Company

Vienna Insurance Group

Sonderklasse

Best-in-class Sonderklasse plans

  • Premium Sonderklasse plans considered best-in-class
  • Part of Vienna Insurance Group (largest CEE insurer)
  • Strong hospital network and partnerships
  • Heritage brand with royal origins (1898)
View DetailsGet Quote→
#3

Merkur Versicherung AG

private400K members
83Score
krankenversichern.at: Health Insurance Specialist(2025)
★★★★☆4.0satisfactionFinancial strength: Solid (health-focused)

Private Market Share

~18%

Specialization

Health and life insurance specialist

Founded

1798 (oldest Austrian insurer origins)

  • Health insurance specialist with ~18% market share
  • Austria's oldest insurance heritage (1798)
  • Transparent and straightforward plan structures
  • Strong regional presence in Styria and southern Austria
View DetailsGet Quote→
#4

Generali Versicherung AG (Austria)

Generali Versicherung AG

private350K members
80Score
krankenversichern.at: Global Brand(2025)
★★★☆☆3.9satisfactionFinancial strength: Strong (Generali Group — global ratings)

Private Market Share

~13-14%

Parent Company

Generali Group

International Coverage

Strong

  • Part of global Generali Group
  • Strong international coverage options
  • Comprehensive employer health plans
  • Innovative wellness programs
View DetailsGet Quote→
#5

Allianz Elementar Versicherung AG

private150K members
75Score
krankenversichern.at: Global Allianz Brand(2025)
★★★☆☆3.9satisfactionFinancial strength: AA (S&P — Allianz Group)

Private Market Share

~5% (growing)

Parent Company

Allianz Group

Sp Rating

AA

  • Global Allianz backing with AA S&P rating
  • English-language support available
  • Strong international and expat plans
  • Growing Austrian market presence
View DetailsGet Quote→
#6

Donau Versicherung AG (Vienna Insurance Group)

Donau Versicherung AG

private100K members
70Score
krankenversichern.at: Affordable VIG Option(2025)
★★★☆☆3.7satisfactionFinancial strength: Strong (Vienna Insurance Group)

Parent Company

Vienna Insurance Group

Positioning

Affordable alternative to Wiener Stadtische

Founded

1867

  • Part of Vienna Insurance Group
  • More affordable than sister company Wiener Stadtische
  • Strong presence in rural and regional Austria
  • Heritage dating to 1867
View DetailsGet Quote→

About Health Insurance in Austria

Austria has a mandatory social health insurance system covering ~99% of the population through statutory funds (OGK for employees, SVS for self-employed, BVAEB for civil servants). Private health insurance (Zusatzversicherung) is supplementary, purchased for faster access to private hospital rooms (Sonderklasse), choice of doctor, and reduced waiting times. About 35% of the population holds supplementary private health insurance.

Our editorial team has evaluated and ranked the top 6 health insurers in Austria based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

Affiliate Disclosure

Some links on this page are affiliate links. If you click through and purchase a plan, we may earn a commission at no extra cost to you. This helps us keep the site free and our reviews independent.