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The ASVG


The ASVG regulates the health, accident, and pension insurance cover of all persons in a non-independent paid occupation, the health insurance cover of persons in receipt of a pension and the accident insurance cover of certain self-employed persons.

In accordance with the provisions of the ASVG, the following persons have full insurance cover (are covered in all three areas of statutory insurance):

  • Employees
  • Apprentices
  • Freelancers who are treated as employees for insurance purposes