Insurance — only when it makes sense
Independent insurance review and sourcing for expats in Austria. We recommend cover only when it solves a real risk — never as a savings vehicle.
Insurance categories relevant for expats.
International Health Insurance
Private cover that follows you across borders — essential for expats without long-term public coverage in Austria, or for those moving between countries. Includes inpatient, outpatient, dental and repatriation.
Term Life Insurance
Pure protection for your family with no savings component. Especially relevant for expats with mortgages, dependants in another country, or single-earner households.
Disability & Income Protection (Berufsunfähigkeit)
Replaces income if you can no longer work in your profession. The Austrian state safety net is limited for foreign professionals — private cover closes the gap.
Accident Insurance (Unfallversicherung)
Lump-sum payout for permanent injury from an accident. Useful supplement in Austria where statutory accident cover only applies to work-related incidents.
Personal Liability (Haushalts- & Privathaftpflicht)
Mandatory in practice in Austria — covers damage you cause to others. Often bundled with household contents insurance. Cheap, essential, frequently overlooked by new arrivals.
Household & Contents (Haushaltsversicherung)
Covers your belongings against fire, water damage, burglary and glass breakage. Standard for renters and owners in Austria.
Legal Expenses Insurance (Rechtsschutz)
Covers legal fees for disputes around employment, tenancy, contracts or traffic. Particularly valuable for expats navigating Austrian labour and tenancy law.
Professional Liability (Berufshaftpflicht)
Required for many regulated professions (doctors, lawyers, consultants, freelancers). We source cover that meets both Austrian and cross-border requirements.
Travel & Expat Mobility Cover
Annual travel, cancellation and emergency assistance policies — relevant for internationally mobile professionals with frequent trips home or business travel.
Directors & Officers (D&O)
Personal liability protection for board members and executives — often required when taking a senior role at an Austrian entity.
Not sure which cover you actually need?
A 30-minute review with a senior advisor — honest, independent, expat-focused.