Health & Social insurance & security

  • Health system

     

    Austria has a two-tierhealth care system in which virtually all individuals receive publicly funded care, but they also have the option to purchase supplementary private health insurance. Some individuals choose to completely pay for their healthcare privately

    For more information: http://www.goeg.at/cxdata/media/download/berichte/bmg_broschuere_e_2013.pdf

     

    Accident insurance

    Accident Insurance supports employees who had an accident at work.

     

    Health insurance

    In Austria, health care is based on a social insurance model that guarantees all inhabitants equal access to high quality health services – irrespective of their age, sex, origin, social status or income.

    In Austria any activities related to e-health are known under the term ELGA, which means electronic health file.

     

    Retirement insurance

    There are 3 types of retirement insurance:

    • Age pension
    • disability pension
    • survivor’s pension

    For the retirement benefits are

    • in “Altrecht”

    the base and the insurance period ( percentage )

    • and in “Neurecht”

    the total credit in the pension account

     

  • Social insurance

In Austria you don’t have to pay every consultation because you pay a low fee to the social security once a month.
As soon as a person takes up occupation and pays “Sozialversicherung” (Social insurance), they are automatically covered by insurance. Insurance protection extends to school and university students, as well as pensioners. Insurance contribution is dependent on a person’s income. Social insurance contribution is billed by the employer as social insurance employee (SV-DNA) and social insurance employer (SV-DGA) over to the local tax office. Employers are also responsible for registering their employees with the relevant social insurance office. Employees receive a social insurance number once they are registered.

DN DG total
health insurance
worker 3,87 % 3,78 % 7,65 %
employee 3,87 % 3,78 % 7,65 %
retiree 5,1 %
retirement insurance
worker 10,25 % 12,55 % 22,80 %
employee 10,25 % 12,55 % 22,80 %
accident insurance
worker _ 1,30 % 1,30 %
employee _ 1,30 % 1,30 %
unemployment insurance
worker 3,00 % 3,00 % 6,00 %
employee 3,00 % 3,00 % 6,00 %
total
worker 17,12 % 20,63 % 37,75 %
employee 17,12 % 20,63 % 37,75 %
retiree 5,1 %

Social security

Unemployment benefits

In general, employees are well protected and it is not easy to get rid of workers at will or randomly. Employment contracts are taken seriously. In the event that a person has lost his job, there is a good unemployment assistance and benefits system in place. If a person has been contributing to an unemployment insurance for a certain minimum period, has been working for at least 52 weeks and is registered with the AMC, he or she can claim unemployment benefits. To be entitled to claim unemployment benefit, a person must be able and willing to work, available for work but unemployed and have been in insured employment for the appropriate qualifying period. The rate of unemployment benefit is calculated on the last wage.

 

Pension

A pension is a fund into which money is added during an employee’s employment years, and from which payments are drawn to support the person’s from work in the form of periodic payments.

The amount of the pension depends on
– The contributory income,

– The number of acquired insurance months and,
– The age at the beginning Pension

 

childallowance

Definition:

financial support every second month for families with children. Until the child is 3 years old every family receives 105.40 euros per month. For families with more than one child they get more money per pay-out.

Who has the right to get child allowance?

– Just one parent (mother or father)
– you have to be an Austrian citizen or residence permit
– until the child is 24 years old (only if he or she go to school)
– living in the same household

 

 

maternity leave

Working mothers and fathers are entitled to take maternity leave so they can stay at home and take care of their child. Only on parent can take it but there is an option to alternate. Instead of the salary or wages of the mother or the father they receive childcare allowance. The maximum duration of the maternity leave is a total of two years. In Austria mothers or fathers have a dismissal protection during the maternity leave until the second birthday of the child.

 


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