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Ecard and Co-Insurance

Austrian health insurance enrollment for employees and families

The eCard is Austria’s health insurance card, providing access to the public healthcare system. Employees working in Austria are automatically enrolled in public health insurance through their employer, and family members can be co-insured under the employee’s plan for comprehensive healthcare coverage.

This service provides:

eCard enrollment support for new employees
Co-insurance registration for spouses and children
Coordination with the Austrian Health Insurance Fund (ÖGK)
Guidance on healthcare access and coverage

When you need this

New employees starting work in Austria requiring health insurance enrollment
Spouses or partners needing co-insurance under an employee’s health plan
Children requiring co-insurance registration
Employees with questions about Austrian healthcare system access
Foreign nationals navigating Austrian health insurance requirements

How we help

We guide new employees through eCard enrollment and Austrian health insurance system navigation, assist with co-insurance applications for spouses and children including documentation requirements, coordinate with district insurance offices and explain cost calculations, and clarify healthcare access including contract doctors, EHIC functionality, and coverage details.

Co-insurance for family members

Who Can Be Co-Insured

Spouses, registered partners, children (legitimate, illegitimate, adopted, or raised by single parents), stepchildren, and grandchildren living in the same household can be co-insured under an employee’s health insurance plan, provided they are Austrian residents and not subject to compulsory health insurance themselves.

Co-Insurance for Children

Children under 18 are co-insured at no additional cost. Children aged 18 to 27 (or 29 if unemployed) can remain co-insured free of charge if they are attending school, vocational training, or university.

Co-Insurance for Spouses

Spouses can be co-insured under the employee’s plan. If the spouse is raising children in the same household, co-insurance is typically free. If the spouse has no children, an additional contribution of 3.4% of the employee’s gross monthly salary is required.

Coverage

Co-insured family members receive the same healthcare benefits as the primary insured employee, including access to contract doctors, hospitals, prescriptions, and medical treatments at no additional cost beyond the co-insurance contribution.

Why Choose Oberhammer Immigration Advocates

Relocation expertise

We guide foreign nationals through Austrian health insurance enrollment

Family support

Complete assistance with spouse and child co-insurance

ÖGK coordination

Direct liaison with the Austrian Health Insurance Fund

Comprehensive service

From initial enrollment through ongoing healthcare questions

Ready to enroll in Austrian health insurance?

Whether you're a new employee requiring eCard enrollment or need to co-insure family members, we provide expert guidance on Austrian healthcare access.

Book a consultation