Private and complementary health insurance covers treatment costs that SGK does not or only partly covers, and eases your access to private hospitals.
Choose a policy type; see an approximate monthly/annual premium range based on your age and coverage.
Complementary (TSS) requires active SGK coverage; it is an affordable option that complements your SGK.
This is an estimate. This is an estimate; for an exact quote, please fill in the form below.
Health is the one thing that cannot wait. The right health plan lets you focus on the best treatment without worrying about where to go or what comes out of your pocket. Individual or family, complementary or full cover — we choose the plan that best fits your budget and expectations together, in plain language.
Both products give you access to private hospitals; the differences come down to your budget, your SGK status and the coverage you expect. The comparison below helps you decide.
Lets people with SGK get treated at SGK-contracted private hospitals without paying the price difference; it complements your SGK. It is the affordable option.
Best for: those who actively use their SGK and want budget-friendly private hospital access.
Comprehensive insurance covering inpatient and outpatient treatment within policy limits, independent of SGK; it offers a wide hospital network, high limits and optional add-ons (maternity, dental, abroad).
Best for: those who want a wide network, upper-tier hospitals, high limits or abroad coverage.
| Criterion | Complementary (TSS) | Private (ÖSS) |
|---|---|---|
| SGK requirement | Required (active SGK) | Not required |
| Eligible hospitals | Only SGK-contracted private hospitals | All contracted private hospitals, with or without SGK (wider network) |
| Abroad coverage | None | Can be added optionally |
| Payment at the hospital | Only the statutory examination co-payment | Depends on the policy (e.g. 20% of the bill as co-payment) |
| Add-ons (maternity/dental/check-up) | Limited | Extensive |
| Coverage limit | Limited to the SGK framework | High (some policies near unlimited) |
| Premium / price | Affordable | Higher |
We choose the right plan together based on individual or family coverage, your budget and expectations.
We explain limits, waiting periods and exclusions in plain language.
See every offer from a single point, without browsing site by site.
Getting a quote is completely free; we charge you nothing for our advice.
After the policy, we handle communication with the insurer on your behalf.
Fill in the free quote form in minutes; we'll get back to you with the most suitable policy.
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