OAFA Travel insurance (Comfort 365)
Underwritten by OAFA Versicherung AG · Austria
travel insurance from OAFA for the Austria market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2012-06-01Sources
Unique selling points
OAFA operates its own 24-hour emergency call centre and medical air ambulance service (Ärzteflugambulanz), a founding specialty of the company since 1977.
Comfort 365 offers a full 365-day annual policy with no cap on the length of any individual trip, unlike the Comfort 90 (max. 90 days) or Comfort Office (max. 5 days) variants.
For inpatient hospital treatment abroad, OAFA endeavours to settle the costs directly with the hospital instead of requiring the traveller to pay upfront.
Comfort 365 covers manual labor activities as well as private leisure travel, unlike the Comfort Office variant which excludes both.
Coverage limits
Medical expenses abroad
Not established from the insurer's documents
Covers outpatient medical treatment, prescribed medication and inpatient hospital treatment abroad up to the agreed insured sum stated in the product's benefit table.
Section: A. Heilkostenversicherung > A. 17. Leistungsumfang im Ausland
Der Versicherer ersetzt bis zur vereinbarten Versicherungssumme, entsprechend den Angaben (Leistungsübersicht) im jeweiligen Produkt, die nachgewiesenen Kosten für:
Emergency medical treatment
Not established from the insurer's documents
Acute illness or accident-related bodily injury abroad triggers cover for necessary medical treatment; treatment costs expected to exceed EUR 1,000 must be reported to the OAFA emergency centre before treatment begins.
Section: A. Heilkostenversicherung > A. 17. Leistungsumfang im Ausland
Rechnungsbeträge, deren Höhe € 1.000,00 voraussichtlich überschreiten, zwingend den Versicherern/der OAFA Ärzteflugambulanz bei sonstigem Ausschluss der Ersatzleistung vor Behandlungsbeginn gemeldet werden müssen
Hospitalization
Not established from the insurer's documents
Inpatient treatment in a recognized hospital abroad is covered, with the insurer endeavouring to settle costs directly with the hospital (cost guarantee) where required by the product's benefit table.
Section: A. Heilkostenversicherung > A. 17. Leistungsumfang im Ausland
stationäre Heilbehandlungen in einem Krankenhaus und soweit erforderlich eine Kostengarantie gemäß Leistungsübersicht des jeweiligen Produktes.
Outpatient treatment
Not established from the insurer's documents
Outpatient medical treatment abroad is covered; diagnostic tests require a specialist referral necessary for immediate therapeutic success.
Section: A. Heilkostenversicherung > A. 17. Leistungsumfang im Ausland
ambulante ärztliche Behandlungen Voraussetzung ist, dass bei Kosten von ambulanten diagnostischen Abklärungen (wie z.B. bildgebender Diagnostik, Labor etc.) eine dem Fachgebiet zugeordnete ärztliche Überweisung zugrunde liegt und diese für den unmittelbaren therapeutischen Erfolg zwingend notwendig ist
Emergency dental treatment
Not established from the insurer's documents
Conserving, prosthetic or curative dental treatments (e.g. dental treatments) are explicitly excluded from cost reimbursement.
Section: A. Heilkostenversicherung > A. 19. Ausschlüsse
bei konservierenden oder prothetischen (D.1.08.) oder kurativen (D.1.20.) Behandlungen (z.B. Zahnbehandlungen, physikalische Therapien, Chemotherapie, etc.);
Primary medical transport
Not established from the insurer's documents
Primary transport to the nearest reachable hospital, and rescue from mountain or water distress, is covered up to the agreed insured sum.
Section: A. Heilkostenversicherung > A. 17. Leistungsumfang im Ausland
Primärtransporte in das nächst erreichnare Krankenhaus sowie Bergung aus Berg- und Wassernot.
Medical repatriation / evacuation
Not established from the insurer's documents
Repatriation to Austria or a neighbouring state (if the trip started there) is organized by the OAFA emergency centre once medically sensible and justifiable; self-organized transport is not reimbursed.
Section: A. Heilkostenversicherung > A. 17. Leistungsumfang im Ausland
Rücktransport (Heimholung) der versicherten Person sobald dieser medizinisch sinnvoll und vertretbar ist mit medizinisch adäquatem Transportmittel (einschließlich Ambulanzflugzeug) - organisiert durch den Versicherer /OAFA Ärzteflugambulanz, bei sonstiger Leistungsfreiheit - nach Österreich oder in einen angrenzenden Staat, wenn die Reise dort begonnen hat.
Repatriation of remains
Not established from the insurer's documents
Standard transport costs for a deceased insured person, or burial costs at the place of death abroad, are covered under the cancellation/extra-return-journey module.
Section: A. Stornoschutz > A. 43. Gegenstand der Versicherung
Weiters versichert ist der Kostenersatz für die zusätzlich anfallenden Mehrkosten ... oder die Standard-Transportkosten für eine während einer Reise außerhalb Österreichs verstorbene versicherte Person oder deren Begräbniskosten am Sterbeort außerhalb Österreichs.
Search and rescue costs
Not established from the insurer's documents
Costs of searching for the insured person and transporting them to the nearest passable road or hospital are reimbursed if the person had to be rescued injured, unharmed or dead following an accident or distress situation.
Section: A. Reiseunfallversicherung > A. 33. Such- und Bergungskosten
Der Versicherer ersetzt die nachgewiesenen Kosten der Suche nach der versicherten Person und ihres Transportes bis zur nächsten befahrbaren Straße oder in das nächstgelegene Spital.
COVID-19 / pandemic treatment
Not established from the insurer's documents
Events arising from epidemics or pandemics are generally excluded from coverage.
Section: A. Allgemeine Versicherungsbedingungen > A. 04. Allgemeine Ausschlüsse
aufgrund von Epidemie und Pandemie eintreten;
Pre-existing / chronic conditions
Not established from the insurer's documents
Chronic conditions not covered by the hard exclusion list are insured only if they become unexpectedly acute during the trip, with reduced insured sums; conditions under ongoing treatment at the start of the trip are excluded. Heart disease, stroke, cancer, diabetes (type I/II), migraine and multiple sclerosis are excluded if treated (in- or outpatient) within the 12 months before conclusion of the policy.
Section: A. Heilkostenversicherung > A. 19. Ausschlüsse
folgende Krankheiten und bestehende Leiden, sofern sie in den letzten 12 Monaten vor Versicherungsabschluss stationär und/oder ambulant in Therapie behandelt wurden: Herzerkrankungen; Schlaganfall; Krebsleiden; Diabetes (Typ I und II); Migräne; Multiple Sklerose.
Winter sports cover
Not established from the insurer's documents
Skiing and snowboarding are explicitly classified as ordinary holiday sports (not extreme sports) and are therefore covered; off-piste skiing/snowboarding is only covered when accompanied by a mountain/ski guide.
Section: A. Allgemeine Versicherungsbedingungen > A. 04. Allgemeine Ausschlüsse
Nicht als Extremsportart gelten die üblichen (Urlaubs-) Sportarten, z.B.: Kanu-/Bootfahren, Fischen, Golf, Reiten, Mountainbiking, Skifahren und Snowboarden (ausserhalb der Pisten allerdings ausschließlich mit einem Führer)
Adventure / extreme sports cover
Not established from the insurer's documents
Extreme sports such as parachuting, paragliding, bungee jumping, climbing, whitewater sports, high-altitude tours above 6000m without a certified guide, or tours not booked as a package trip are excluded from coverage.
Section: A. Allgemeine Versicherungsbedingungen > A. 04. Allgemeine Ausschlüsse
Als Extremsportarten gelten somit z.B.: Fallschirmspringen oder ähnliches, Paragleiten, Bungeejumping, Klettern oder Wildwasser-Sportarten, extreme Hochgebirgstouren ohne geprüften Berg- und Schiführer, solche über 6000 m und solche, die nicht als Pauschalreise gebucht wurden;
Pregnancy complications
Not established from the insurer's documents
Treatment for pregnancy, termination of pregnancy, childbirth or treatment of the consequences of contraceptive measures, and complications resulting from these events, are excluded; OAFA explicitly advises against travelling abroad with a known pregnancy.
Section: A. Heilkostenversicherung > A. 19. Ausschlüsse
bei Schwangerschaft für Schwangerschaftsbehandlungen, Schwangerschaftsunterbrechungen, Entbindungen oder Behandlungen der Folgen von empfängnisverhütenden Maßnahmen und bei aus diesen Ereignissen resultierenden Komplikationen und Beschwerden (die OAFA Ärzteflugambulanz empfiehlt aus Erfahrung dringend, bei bekannter Schwangerschaft keine Reisen ins Ausland zu unternehmen);
Personal liability insurance
Not established from the insurer's documents
Covers the insured's legal liability for personal injury, property damage or resulting financial loss suffered by third parties while travelling abroad (underwritten by AGA International S.A.); a per-event deductible of 10% of the loss (min. EUR 350, max. EUR 2,000) applies.
Section: B) PRIVATHAFTPFLICHTVERSICHERUNG > B.3. Selbstbehalt
Der Selbstbehalt beträgt in jedem Versicherungsfall 10% des Schadens, jedoch mindestens 350,00 Euro und max. 2.000,00 Euro.
Legal assistance (package-travel legal protection)
Not established from the insurer's documents
Helvetia-underwritten legal protection covers pursuit of claims against a tour operator arising from package-travel service contracts, up to a maximum of EUR 5,000 per claim; a 10% deductible (min. EUR 500) applies if a lawyer not proposed by the insurer is chosen.
Section: C) PAUSCHALREISE-RECHTSSCHUTZVERSICHERUNG > C.6. Begrenzung der Leistungspflicht des Versicherers
Die Höchstgrenze der vom Versicherer in einem Leistungsfall für den Versicherungsnehmer zu erbringende Leistungen beträgt 5.000,00 Euro. ... Bei Wahl eines nicht vom Versicherer vorgeschlagenen Anwaltes hat der Versicherungsnehmer einen Selbstbehalt in Höhe von 10% der Schadenleistung, mindestens 500,00 Euro zu tragen.
24/7 emergency assistance hotline
Not established from the insurer's documents
A 24-hour emergency call centre operated by Austrian Air Ambulance – Ärzteflugambulanz Assistenz GmbH (extended by partner Mondial Assistance GmbH since 1 January 2011) coordinates hospitalization, treatment and repatriation cases.
Section: 6. Schadenbearbeitung
Der 24-Stunden-Notrufdienst durch Austrian Air Ambulance - Ärzteflugambulanz Assistenz GmbH unter der Telefonnummer ++43-1-40 144 wurde durch Partneranbindung von Mondial Assistance GmbH, Wien, seit 01.01.2011 ausgeweitet, diese Gesellschaften können bevollmächtigt von der OAFA, Notfälle und Schadensmeldungen aller Versicherten entgegennehmen und erledigen.
Key conditions
Assistance call deadline
The OAFA emergency centre (tel. +43/1/40 144) must be notified immediately by phone for hospital admission, treatment costs expected to exceed EUR 1,000, or repatriation; if a hospital stay is expected to last more than 3 days, the centre must also be notified without delay, otherwise cover is lost or reduced.
Unauthorized treatment
Transports, repatriations or private-clinic transfers not organized or ordered by the OAFA emergency centre cannot be reimbursed; failing to submit claims to statutory or private health insurance first (or waiving/being refused reimbursement) results in a 20% deductible on medical costs.
Purchase while abroad
If the travel protection card is purchased after the trip has already begun, there is no insurance cover for that trip.
Chronic conditions
Heart disease, stroke, cancer, diabetes (type I and II), migraine and multiple sclerosis are excluded if treated (inpatient and/or outpatient) within the 12 months before conclusion of the policy; other chronic conditions are covered only when they become unexpectedly acute during the trip, subject to reduced insured sums.
Pregnancy
Pregnancy treatment, termination, childbirth, treatment of contraceptive-measure complications, and resulting complications are excluded; OAFA advises against foreign travel with a known pregnancy.
Pre-existing condition exclusions
Conditions requiring ongoing treatment at the time of policy conclusion or trip start are treated as already having occurred and are not covered; only a sudden, unexpected acute flare-up of a chronic condition is covered, with reduced insured sums.
Coverage duration limit
If a proven inability to be transported prevents the return journey after the end of the insurance period, treatment costs continue to be covered until transport capability is restored, for a maximum of 2 further months (extended liability / Nachhaftung).
Direct payment
For inpatient hospital stays abroad, the insurer endeavours to settle costs directly with the hospital (cost guarantee) according to the specific product's benefit table; direct billing must be coordinated through the 24-hour OAFA emergency centre.
Territorial scope
Coverage applies to travel abroad; irrespective of nationality, Austria is never considered 'abroad', nor is the country where the insured person has their main residence.
Documents
Policy specifics
Annual coverage for 365 days
Comfort 365 provides cover for a full 365 days with no limit on the length of individual trips
SourceAuto mobility protection
Includes breakdown assistance and roadside emergency services in Europe
SourcePre-existing condition acute episodes
Coverage with restricted insurance sums if chronic illness suddenly becomes acute during travel
SourceEvent cumulation limit
Total insurance benefits per event across all insured persons are capped at EUR 2 million
SourceNon-transferable insurance card
Insurance card is personal and non-transferable to other individuals
SourcePayment and contractual conditions
Insurance card concluded by payment via remittance slip or SEPA direct debit; company enrollment subject to special modalities
SourceSources
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=10(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=14(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=17(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=22(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=23(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=3(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=5(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=6(opens in a new tab)
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/oafa/OAFA_RVB.pdf#page=8(opens in a new tab)
- oafa.athttps://www.oafa.at/produkt/reiseversicherung-comfort-office/(opens in a new tab)
- oafa.athttps://www.oafa.at/produkt/reiseversicherung-comfort-standard/(opens in a new tab)
OAFA Travel insurance