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Health & care

Health insurance as a student

Official name: Prepare student health insurance

Are you a student and need health insurance? The ÖGK has a cheaper route for students. Here you first check if you are already insured. Then you prepare proof of your studies.

Check what applies to me

No account · Answers stay in your browser

Steps
7 key steps, up to 14 depending on your situation
For you
5 short questions, then you see your steps
Main office
ÖGK
Costs
2026: 78.84 euros monthly.
Online
possible for 2 of 14 steps
What applies to you?How it worksFrequently asked questionsSourcesSimilar plans

How it works

These are the key steps, in the right order. Answer the short questions; then you see exactly what applies to you and what is added.

  1. 1Keep insurance apart from other study mattersHealth insurance is its own matter. A place at university or a grant (Beihilfe) is something else.Key step
    Why?
    A study place or a grant does not make you insured. So you sort out insurance separately.
    What you do
    You sort this out directly with the ÖGK. Do not enter income, illnesses, bank details or insurance numbers here.
    Where?
    ÖGKDirectly with the named service
    In detail

    Distinguish health insurance from other student procedures

    Admission or grants alone confirm no insurance cover. Enter no income values, diagnoses, bank details or insurance numbers here.

    SourceSelbstversicherung für Studierende
    Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

    Open original source
  2. 2Check if you are already insuredMaybe you are already insured. Mitversicherung means you are covered through your parents.Key step
    Why?
    The ÖGK recommends checking this first. Then you may not need your own insurance.
    What you do
    Ask the ÖGK or your insurer. Sort this out before you apply yourself.
    Where?
    ÖGK / responsible providerDirectly with the named service
    Related plansInsure your child with you
    In detail

    Review existing or dependent cover first

    ÖGK recommends checking parental dependent cover. Clarify existing or possible cover before applying yourself.

    SourceSelbstversicherung für Studierende
    Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

    Open original source
  3. 3Check if the cheaper student cover fitsThe student route is a cheaper insurance for students. The ÖGK checks if it applies to you.Key step
    Why?
    There are conditions. For example your school or university, changes of study, length of study and income.
    What you do
    The ÖGK checks your case personally. Also whether you live in Austria. Nothing is calculated automatically here.
    Where?
    ÖGKDirectly with the named service
    In detail

    Confirm reduced student route individually

    Review institution, Austrian residence, statutory cover, course changes, duration, income and other exclusions with ÖGK. No automatic eligibility calculation.

    SourceSelbstversicherung für Studierende
    Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

    Open original source
  4. 4Check when your insurance startsThis is about when your insurance starts. Usually it is the day after you apply.Key step
    Why?
    Do you apply within 6 weeks after your old cover ends? Then it can continue without a gap.
    What you do
    The ÖGK says a protection period after old cover is not added. Ask the ÖGK to confirm the exact dates.
    Where?
    ÖGKDirectly with the named service
    In detail

    Confirm start and continuation deadline

    Generally the day after application; applying within 6 weeks after prior cover ends can provide continuation. ÖGK says residual protection is not added. Confirm actual dates there.

    SourceSelbstversicherung für Studierende
    Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

    Open original source
  5. 5Sort your papersThese are your documents. For example the form, a photo ID, your registration proof and proof of studies.Key step
    Why?
    The ÖGK needs proof. Depending on your case also past study times, a scholarship decision or proof of income.
    What you do
    Fill in the current form and sign it. Add the right attachments. If something is unclear, ask the ÖGK.
    Where?
    ÖGKDirectly with the named service

    What you need

    • Current ÖGK application form
      Document explained

      Use the reduced student route.

      Requirement
      Required when applicable
      Submission format
      Original
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    • Photo identification
      Document explained

      Keep appropriate evidence.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceSelbstversicherung für Studierende
      Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

      Open original source
    • Residence confirmation
      Document explained

      Current evidence for ÖGK.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceSelbstversicherung für Studierende
      Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

      Open original source
    • Agreed current study evidence
      Document explained

      University: study record plus enrolment confirmation; other institution: confirmation/continuation as agreed.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    • Admission decision and course attendance for preparatory route
      Document explained · Depends on your case

      Additional non-degree evidence per ÖGK.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceSelbstversicherung für Studierende
      Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

      Open original source
    • Periods of previous courses
      Document explained · Depends on your case

      Evidence previous courses appropriately.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    • Study-interruption confirmation
      Document explained · Depends on your case

      Only for a relevant interruption.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    • Course-completion grant decision
      Document explained · Depends on your case

      Attach if received, per form.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    • Required income evidence
      Document explained · Depends on your case

      Provide only to the official service; record no values here.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    • Evidence of completed degree
      Document explained · Depends on your case

      Only if the form case applies.

      Requirement
      Required when applicable
      Submission format
      Copy
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceAktueller Antrag auf Selbstversicherung für Studierende
      Aktueller Antrag auf Selbstversicherung für Studierende

      ÖGK · retrieved on 10/10/2026

      Open original source
    In detail

    Organise current records and applicable attachments

    Prepare current signed form, ID, residence record and agreed study evidence. Clarify uncertain attachments directly.

    SourceAktueller Antrag auf Selbstversicherung für Studierende
    Aktueller Antrag auf Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Open original source
  6. 6Prepare your online applicationHere you apply yourself on Meine ÖGK online. The app does not apply for insurance for you.Key step
    Why?
    Online is often quicker. You do not have to go anywhere.
    What you do
    Check your current documents. Save the official receipt that your application arrived.
    Where?
    Meine ÖGKDirectly with the named service
    In detail

    Prepare confirmed student application online yourself

    Review current evidence and retain official receipt. App applies for no insurance.

    SourceSelbstversicherung für Studierende
    Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

    Open original source
  7. 7Wait for the ÖGK's answerYou have already applied. Now you wait for the ÖGK's reply.Key step
    Why?
    Applying alone does not mean you are insured. Only the reply tells you.
    What you do
    Read the reply carefully. Check from when the insurance really starts.
    Where?
    ÖGKDirectly with the named service
    In detail

    Follow existing student application

    Review reply and actual insurance start. No cover solely from application.

    SourceSelbstversicherung für Studierende
    Selbstversicherung für Studierende

    ÖGK · retrieved on 10/10/2026

    Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

    Open original source

Depending on your situation, this is added

  • Check if you already applied
  • Check if you have ID Austria
  • Fill in and sign the form
  • Check the cost and what is covered
  • Send the ÖGK the missing papers
  • Report study changes in writing
  • Check your contribution account
Use the questions to find out which of these apply to you
Tailored to you

What applies to you?

Answer a few short questions. The steps change right away: what does not apply to you drops out.

Question 1 of at most 5

How far along are you with your student insurance?

What is meant? Where are you right now? Have you already applied, or are you starting fresh? Selbstversicherung means you insure yourself.

What is this insurance matter’s stage?
  • No sign-up needed
  • Nothing is sent to authorities
  • You submit applications yourself

Frequently asked questions

Can I do this online?

2 of 14 possible steps mention an online channel in their text. Requirements are in the official source.

What does it cost?

Costs or fees are stated for 1 step according to the source; details are listed with the step.

Do I need an einfach.wien account?

No. The plan works without registration; answers stay in your browser.

Does einfach.wien submit my application?

No. einfach.wien helps you prepare and links official channels. You submit applications yourself to the responsible service.

What this page is based on

The information is based on official sources. einfach.wien is a private project; the content has not been professionally reviewed. All information without guarantee, no legal advice. The responsible office is always authoritative.

SourceSelbstversicherung für Studierende
Selbstversicherung für Studierende

ÖGK · retrieved on 10/10/2026

Legal basis: named on the source: Studienförderungsgesetz; Studienberechtigungsgesetz (read on 2026-10-12; not a legal assessment of your case)

Open original source
SourceAktueller Antrag auf Selbstversicherung für Studierende
Aktueller Antrag auf Selbstversicherung für Studierende

ÖGK · retrieved on 10/10/2026

Open original source

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