Cross-border commuters & health insurance
Find the best health insurance for cross-border commuters from Austria to Switzerland or Liechtenstein here!
Health insurance for cross-border commuters from Austria to Switzerland / Liechtenstein
As a cross-border commuter from Austria to Switzerland or Liechtenstein, there are 3 health insurance options. Which of these options suits you best depends very much on your situation: current age, state of health, family situation and the desired level of benefits.
We will be happy to work with you to find the best solution!
Voluntary statutory health insurance in Austria
Advantages:
Disadvantages:
Statutory insurance in Switzerland or Liechtenstein
Advantages:
Disadvantages:
Private health insurance in Austria
Advantages:
Disadvantage:
In principle, each of these three options for cross-border commuter health insurance is justified. We work with you to determine which variant suits you best. We then select Depending on your personal situation, insurability and the desired price-performance ratio, we will find the ideal provider and optimum tariff for you. As an independent insurance broker, we have access to all providers of cross-border commuter insurance.
Our references: Satisfied customers!
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An overview of health insurance for cross-border commuters:
Health insurance from the Austrian Health Insurance Fund (ÖGK) can be particularly useful if you either earn a very low income, e.g. as a trainee, or if you have a part-time job with a tendency towards lower income and want to insure family members free of charge at the same time. In this case, statutory health insurance offers cross-border commuters the opportunity to take advantage of ÖGK’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. This is because Austrian statutory health insurance usually only covers part of the treatment costs and pays according to a clearly defined minimum standard.
Statutory basic insurance under the KVG in Switzerland or Liechtenstein is the least popular health insurance option for cross-border commuters. There are numerous reasons for this. On the one hand, the scope of cover of basic insurance under the KVG only corresponds to a minimum standard, similar to statutory insurance in Austria, but in many cases – e.g. the dentist – it is even significantly worse. The scope of cover can be improved with supplementary packages, but you will have to dig deep into your pockets. In addition to the high premiums and all the additional tariffs, some of which are really necessary, there are also deductibles of between SFR 300 and SFR 2,500. This means that up to the selected deductible amount, all benefits in a calendar year are borne by the insured person. Insurance cover only comes into effect once the deductible has been paid.
Private health insurance in Austria is the most popular health insurance option for cross-border commuters to Switzerland / Liechtenstein, as there are numerous advantages and no real disadvantages. This model entitles you to benefits in both countries. At the same time, contributions are not dependent on income and are generally much cheaper than with statutory health insurance (ÖGK). As a privately insured person, you also enjoy numerous advantages such as shorter waiting times, access to the best doctors, dentists and clinics and 100% cost coverage with no excess. Statutory insurance cannot compete with this offer. As a rule, private health insurance for cross-border commuters is therefore almost always chosen due to the significantly better scope of cover and the lower premiums.
Health insurance for cross-border commuters is as varied and individual as you and your personal situation. You should therefore seek advice from independent experts for cross-border commuters! We are not tied to any insurance company and will be happy to explain all the advantages and disadvantages of each option to you. Together with you, we will definitely find a tailor-made solution and will of course also be on hand with help and advice for all other questions and matters.
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