{"id":967,"date":"2017-11-05T10:31:47","date_gmt":"2017-11-05T10:31:47","guid":{"rendered":"https:\/\/grenzgaengerversicherung.at\/statutory-health-insurance-for-cross-border-commuters-in-austria"},"modified":"2025-12-18T10:15:52","modified_gmt":"2025-12-18T10:15:52","slug":"statutory-health-insurance-for-cross-border-commuters-in-austria","status":"publish","type":"page","link":"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria","title":{"rendered":"Statutory health insurance for cross-border commuters in Austria"},"content":{"rendered":"
[vc_row][vc_column][vc_column_text]\n

Statutory health insurance for cross-border commuters in Austria<\/span><\/strong><\/h1>\n[\/vc_column_text][vc_single_image image=”905″ img_size=”full”][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text]\n

Details on statutory health insurance in Austria<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]\n

Voluntary statutory insurance with the Austrian Health Insurance Fund can be particularly useful if you either earn a very low income (e.g. as an intern) or if you have a part-time job with a tendency towards lower income and at the same time want to insure family members free of charge. In this case, voluntary statutory health insurance offers cross-border commuters the opportunity to take advantage of \u00d6GK’s free family insurance. If you are single, have a medium or high income or if comprehensive benefits in both countries are important to you, this option is less interesting. <\/span><\/p>\n

The benefits provided by statutory health insurance lag massively behind the scope of cover provided by private health insurance. Austrian statutory health insurance usually only covers part of the treatment costs and, unlike private health insurance, only pays according to a clearly defined minimum standard. <\/span><\/p>\n

Contributions are calculated according to income. This generally leads to significantly higher contributions than with private health insurance. The current contribution rate (as of 2026) is 7.55%. The contribution is calculated on the high gross income in Switzerland, which is why most cross-border commuters in the statutory health insurance in Austria pay the maximum amount of currently (as of 2026) \u20ac 565.25 per month. <\/span><\/p>\n[\/vc_column_text][vc_column_text]\n

Example:<\/span><\/h4>\n

A commercial employee earns the equivalent of \u20ac 5,000 gross per month in Switzerland. She receives 14 salaries, is 30 years old, has no children and has voluntary statutory insurance with the \u00d6GK (Austrian Health Insurance Fund) with a contribution rate of 7.55%. Her contribution is therefore around \u20ac 440 per month. <\/span><\/p>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]\n

Advantages:<\/span><\/h3>\n[\/vc_column_text]
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Free co-insurance for family members who are not gainfully employed<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div>

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No health check – everyone receives insurance<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div> [vc_column_text]\n

Disadvantages:<\/span><\/h3>\n[\/vc_column_text]
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Income-related contribution calculation (as at 2026: 7.55% of gross income, max. \u20ac 565.25 per month)<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div>

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High co-payments for medical treatment in Switzerland<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div>

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High co-payments for specialists in Austria<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div>

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Rather low level of benefits, for example for dentures<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div>

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A high level of benefits can only be achieved through supplementary tariffs<\/span><\/p>\n<\/div> <\/div> <\/div> <\/div> [\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][\/vc_column][vc_column width=”1\/3″][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text] Statutory health insurance for cross-border commuters in Austria [\/vc_column_text][vc_single_image image=”905″ img_size=”full”][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text] Details on statutory health insurance in Austria [\/vc_column_text][vc_column_text css=””] Voluntary statutory insurance with the Austrian Health Insurance Fund can be particularly useful if you either earn a very low income (e.g. as an intern)<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1010,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-FullWidth.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-967","page","type-page","status-publish","hentry"],"yoast_head":"\nStatutory health insurance for cross-border commuters in Austria<\/title>\n<meta name=\"description\" content=\"Details on voluntary statutory health insurance in Austria | Independent information for cross-border commuters | Free advice from experts\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Statutory health insurance for cross-border commuters in Austria\" \/>\n<meta property=\"og:description\" content=\"Details on voluntary statutory health insurance in Austria | Independent information for cross-border commuters | Free advice from experts\" \/>\n<meta property=\"og:url\" content=\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria\" \/>\n<meta property=\"og:site_name\" content=\"Cross-Border Insurance & Service \u2013 by B-Quadrat | Professional advice for cross-borders\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BQuadratFinanzberatung\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-18T10:15:52+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria\",\"url\":\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria\",\"name\":\"Statutory health insurance for cross-border commuters in Austria\",\"isPartOf\":{\"@id\":\"https:\/\/grenzgaengerversicherung.at\/en#website\"},\"datePublished\":\"2017-11-05T10:31:47+00:00\",\"dateModified\":\"2025-12-18T10:15:52+00:00\",\"description\":\"Details on voluntary statutory health insurance in Austria | Independent information for cross-border commuters | Free advice from experts\",\"breadcrumb\":{\"@id\":\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\/statutory-health-insurance-for-cross-border-commuters-in-austria#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/grenzgaengerversicherung.at\/en\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cross-border commuters & health insurance\",\"item\":\"https:\/\/grenzgaengerversicherung.at\/en\/cross-border-commuters-health-insurance\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Statutory health insurance for cross-border commuters in Austria\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/grenzgaengerversicherung.at\/en#website\",\"url\":\"https:\/\/grenzgaengerversicherung.at\/en\",\"name\":\"Grenzg\u00e4nger - 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