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Statutory insurance


The introduction of the statutory insurance system not only forms the basis for solidarity between young and old, rich and poor, childless and multi-child families, healthy and sick persons, but:

  • Is also anchored in law
  • Provides for immediate insurance cover
  • Does not exclude high-risk individuals
  • Provides for the contribution-free health insurance of nearly all dependents
  • Provides the same benefits and services to all, and
  • Reduces administration costs.
The principle of statutory insurance means that we all have the assurance that we will not be left to cope on our own if the worst comes to the worst, but will be protected by a society committed to the provision of mutual help.

The statutory insurance system is regulated by the following federal laws:
  • Allgemeines Sozialversicherungsgesetz (ASVG: General social security law) – for employees, apprentices, freelancers who are treated as employees for insurance purposes
  • Beamten-, Kranken- und Unfallversicherungsgesetz (B-KUVG: Health and accident insurance law for civil servants/public sector workers) – for persons in posts subject to Austrian public law or who are in receipt of benefit as a result of retirement from such an occupation
  • Gewerbliches Sozialversicherungsgesetz (GSVG: Law on statutory insurance for persons working in commence and industry) – for independent entrepreneurs.
  • Bundesgesetz über die Sozialversicherung freiberuflich selbstständig Erwerbstätiger (FSVG: Federal law on the statutory insurance of self-employed professionals) – physicians, pharmacists and patent attorneys
  • Bauern-Sozialversicherungsgesetz (BSVG: Law on the statutory insurance of farmers) – for self-employed persons working in agriculture and forestry