{"id":9301,"date":"2015-02-08T17:17:23","date_gmt":"2015-02-08T15:17:23","guid":{"rendered":"https:\/\/www.b-quadrat.at\/cross-border-commuter\/comparison-of-oegk-and-private-health-insurance-for-cross-border-commuters\/"},"modified":"2025-12-18T12:01:31","modified_gmt":"2025-12-18T10:01:31","slug":"comparison-of-oegk-and-private-health-insurance-for-cross-border-commuters","status":"publish","type":"page","link":"https:\/\/www.b-quadrat.at\/en\/cross-border-commuter\/comparison-of-oegk-and-private-health-insurance-for-cross-border-commuters\/","title":{"rendered":"Comparison of \u00d6GK and private health insurance for cross-border commuters"},"content":{"rendered":"[vc_row][vc_column][vc_column_text]\n

Comparison between \u00d6GK and private health insurance
\n<\/span><\/strong>for cross-border commuters from Austria to Switzerland \/ Liechtenstein<\/span><\/em><\/h1>\n[\/vc_column_text][vc_column_text]An excerpt of the main differences between statutory health insurance (\u00d6GK) and private health insurance for cross-border commuters (cross-border commuter insurance).<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][\/vc_column][vc_column width=”1\/3″][vc_column_text]Statutory health insurance<\/span><\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Private health insurance<\/span><\/strong><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Contributions<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]The contributions depend on the amount of the gross salary. The maximum contribution is currently \u20ac 565.25 per month (as at 2026) <\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]The premium depends on age and state of health. The decisive factor is the age of entry – there are no age increases! <\/span><\/span><\/p>\n

Premium surcharges due to pre-existing conditions are possible.<\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Acceptance procedure<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]There is no health check, i.e. the \u00d6GK <\/span>cannot reject any applicant.<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Risk assessment on the basis of the health questions on the application or, if necessary, by providing the relevant medical certificates.<\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Hospital service<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Assumption of hospital costs in the general insurance. <\/span>Fee class of public hospitals in Austria or in contracting states. A hospital cost contribution (deductible) is charged per day (approx. \u20ac 8.00 per day). <\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]European cover guarantee depending on the variant in the general fee class or special class of a general public hospital in Europe, as well as private clinics and sanatoriums according to the contract directory. <\/span><\/span>
\nWorldwide cover:<\/span> In surgical cases where the medical standard in Austria is not sufficient, the costs are covered worldwide. There is no contribution to hospital costs (deductible). <\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row bg_type=”bg_color” bg_color_value=”#000f8a”][vc_column width=”2\/3″][vc_column_text]\n

Best cross-border commuter advice incl. net salary calculation <\/span><\/strong><\/span><\/h2>\n

> Free and non-binding advice since 2003<\/span>
\n> Net wage calculation & practical tax tips<\/span>
\n > Best and cheapest health insurance for cross-border commuters
\n> Help with choosing the right bank account
\n<\/span>> Help with registering with the tax office and much more<\/span><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_empty_space height=”90px”][vc_btn title=”Arrange a consultation now” color=”danger” link=”url:https%3A%2F%2Fbook.timify.com%2Fservices%3FaccountId%3D5dd58034ea99b411773abb33%26hideCloseButton%3Dtrue|title:Arrange%20a%20consultation%20now|target:_blank|”][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Benefits from the doctor and specialist<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Customer is a health insurance patient. The treatment takes place <\/span>simple, functional and must not exceed the <\/span>Do not exceed what is necessary. E-Card fee <\/span>of approx. \u20ac 10.85 for panel doctors, much higher deductible for<\/span> deductible for elective doctors (doctors without <\/span>health insurance contract).<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Customer is a private patient and therefore receives preferential treatment. There is
\n<\/span>100 % cost coverage. Direct billing with doctors is possible, i.e. fees do not have to be paid in advance by the customer (exception: foreign fee notes). <\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Services provided by alternative practitioners, holistic medicine<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]No reimbursement of costs, as these treatments are not <\/span>are not recognized by social insurance.<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Cost reimbursement depending on tariff – 100% cost coverage for doctors and specialists.<\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Medication<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Only medicines approved by the statutory insurance company are<\/span> paid. Prescription fees are charged per prescribed medication (as at 2017 \u20ac 5.85). <\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]All medicines registered as therapeutic products in the EU can be obtained if they have been prescribed by a doctor. There are no prescription fees! <\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Visual aids<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]The patient is entitled to a pair of prescription glasses. A <\/span>Costs for contact lenses are only reimbursed from -7.00 <\/span>diopters (short-sightedness) or + 5.00 diopters <\/span> (farsightedness). For visual aids <\/span> a minimum deductible of EUR 75 (as at 2015). An ophthalmologist’s prescription is a condition for reimbursement of costs. <\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Reimbursement of costs for glasses and contact lenses depending on the tariff. For spectacles, the maximum tariff amount is available every two years. In the case of diopter changes, an annual purchase is possible. An ophthalmologist’s prescription is no longer required! <\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Dental treatment and dentures<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Dental outpatient clinics are available. As a rule, only a small co-payment is made for dental treatment by elective dentists. The use of higher quality materials is not reimbursed. No reimbursement is provided for dentures. <\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Tooth extractions, fillings, root canal treatment, x-rays, oral hygiene, etc. are reimbursed at 100%. Higher-quality materials are also reimbursed. Dentures such as crowns, posts, bridges, etc. are also reimbursed up to 80%. The maximum amount per calendar year depends on the tariff. <\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row bg_type=”bg_color” bg_color_value=”#000f8a”][vc_column width=”2\/3″][vc_column_text]\n

Best and cheapest health insurance for cross-border commuters<\/span><\/strong><\/span><\/h2>\n

> Comparison of all tariffs and providers<\/span>
\n> Independent and objective comparison<\/span>
\n> With guarantee nowhere cheaper than at B-Quadrat<\/span>
\n> Independent cross-border commuter advice for 20 years<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_empty_space height=”70px”][vc_btn title=”Request a quote now” color=”danger” link=”url:https%3A%2F%2Fgrenzgaengerversicherung.at%2Fangebot-grenzgaengerversicherung-anfordern|title:Request%20a%20quote%20now|target:%20_blank|”][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Daily hospital allowance<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]No service is provided.<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]If the accident insurance in CH or FL covers the costs of the stay in full after an accident, a daily allowance will be paid out.<\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Return service<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]No service is provided.<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]In medically necessary cases, transport home from abroad is taken over and organized worldwide.<\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Precaution<\/strong><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Annual health check-up is paid for.<\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Depending on the tariff selected, customers have access to first-class contract hotels for wellness stays lasting several days, <\/span>health check-ups, as well as doctors and gyms for fitness training. This program can be taken advantage of every two years. <\/span><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=”55px”][vc_widget_sidebar sidebar_id=”sidebar-19″][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text] Comparison between \u00d6GK and private health insurance for cross-border commuters from Austria to Switzerland \/ Liechtenstein [\/vc_column_text][vc_column_text]An excerpt of the main differences between statutory health insurance (\u00d6GK) and private health insurance for cross-border commuters (cross-border commuter insurance).[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][\/vc_column][vc_column width=”1\/3″][vc_column_text]Statutory health insurance[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]Private health insurance[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]Contributions[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text]The<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":9255,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-FullWidth.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-9301","page","type-page","status-publish","hentry"],"yoast_head":"\nComparison: \u00d6GK and private cross-border commuter health insurance<\/title>\n<meta name=\"description\" content=\"Comparison between \u00d6GK (statutory health insurance) and private health insurance for cross-border commuters.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.b-quadrat.at\/en\/cross-border-commuter\/comparison-of-oegk-and-private-health-insurance-for-cross-border-commuters\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comparison of \u00d6GK and private health insurance for cross-border commuters\" \/>\n<meta property=\"og:description\" content=\"Comparison between \u00d6GK (statutory health insurance) and private health insurance for cross-border commuters.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.b-quadrat.at\/en\/cross-border-commuter\/comparison-of-oegk-and-private-health-insurance-for-cross-border-commuters\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Quadrat | Versicherungsmakler. 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Im Vergleich zu Einzelfirmenvertretern und Bankberatern, die lediglich ihre hauseigenen Produkte verkaufen d\u00fcrfen, haben wir durch unsere Unabh\u00e4ngigkeit Zugriff auf mehr als 80 Versicherungs- und Finanzanbieter. Wir verstehen uns als Partner in immer komplexer werdenden M\u00e4rkten und geben Ihnen Orientierung im Angebotsdschungel der Versicherungen, Banken und Bausparkassen. Speziell f\u00fcr Grenzg\u00e4nger: Seit 2003 erhalten Grenzg\u00e4nger von uns eine kostenlose Auskunft und Beratung zu s\u00e4mtlichen Themen die Grenzg\u00e4nger besch\u00e4ftigen, wie z.B. die Krankenversicherung f\u00fcr Grenzg\u00e4nger, die Auswahl des passenden Bankkontos, dann helfen wir mit einer Nettolohnberechnung, der Anmeldung beim \u00f6sterreichischen Finanzamt, praktischen Steuertipps und vielen Dingen mehr. Wir arbeiten mit allen \u00f6sterreichischen Anbieter zusammen und sind in Vorarlberg der f\u00fchrende unabh\u00e4ngige Versicherungsmakler und Berater f\u00fcr Grenzg\u00e4nger. F\u00fcr unsere Dienstleistung (unabh\u00e4ngige Grenzg\u00e4ngerberatung \/ unabh\u00e4ngige Grenzg\u00e4ngerauskunft) entstehen Ihnen keinerlei Kosten, da wir aufgrund der Unterst\u00fctzung unserer Partner in der Lage sind eine kostenlose Beratung anzubieten. Sie finden uns in Dornbirn, dem Herzen von Vorarlberg, welches von \u00fcberall aus Vorarlberg, aber auch aus der Schweiz, dem Liechtenstein und aus Deutschland sehr gut zu erreichen ist. Vereinbaren Sie einen Termin, schreiben Sie uns eine E-Mail oder rufen Sie uns an und profitieren Sie von unserer Kompetenz in Versicherungs- und Grenzg\u00e4ngerangelegenheiten. Wir freuen uns auf Sie und Ihre Fragen! Unabh\u00e4ngig, kompetent und engagiert! Herzlichst Ihr Martin H\u00e4usler","email":"office@b-quadrat.at","telephone":"+43 5572 398770","legalName":"B-Quadrat Finanzberatungs GmbH","foundingDate":"2003-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}}]}},"_links":{"self":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9301","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/comments?post=9301"}],"version-history":[{"count":8,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9301\/revisions"}],"predecessor-version":[{"id":9572,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9301\/revisions\/9572"}],"up":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9255"}],"wp:attachment":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/media?parent=9301"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}