Wiener Städtische
Wiener Städtische is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
The insurer settles costs at general ward rates in public hospitals via direct billing with the hospital where possible; if direct billing is not possible, costs are reimbursed to the insured after treatment.
Geographic scope
Worldwide
Cover applies in all countries of the world, except Austria and any country where the insured person(s) already had a place of residence before departure.
Unique selling points
- Annual protection (Tarif RE/RF) covers an unlimited number of trips per year, each up to 6 weeks, with worldwide medical costs reimbursed without an upper limit.
- A dedicated fixed-term tariff (RVI/RVS) is available for long-term stays abroad of up to 12 months in a single continuous trip.
- Repatriation and emergency coordination are handled around the clock by the dedicated partner Tyrol Air Ambulance.
- The policy can be researched, calculated and concluded entirely online before departure.
Coverage limits
Medical treatment costs
Covered
Tarif RE/RF (annual, multi-trip up to 42 days each): inpatient and outpatient urgent treatment costs worldwide unlimited, reimbursed 100% if Austrian social insurance also pays, otherwise 90%. Tarif RVI/RVS (single fixed-term stay 1-12 months): treatment of illness/accident consequences arising acutely during the insured period reimbursed at 100%; the exact sum insured is stated in the individual policy.
Emergency/urgent medical treatment
Covered
Urgent (unaufschiebbare) medical treatment abroad, both outpatient and inpatient, is covered. RE/RF: 100%/90% worldwide unlimited. RVI/RVS: 100% for acute illness/accident treatment during the trip.
Hospitalization costs
Covered
RVI/RVS: cost reimbursement for the general ward class in public hospitals abroad, where possible via direct billing, at 100%, including transport to the nearest hospital. RE/RF: inpatient unavoidable treatment costs worldwide unlimited at 100%/90%.
Outpatient treatment
Covered
RVI/RVS: cost reimbursement for medically necessary outpatient medical treatment including prescribed medication, subject to a EUR 35 deductible. RE/RF: outpatient unavoidable treatment costs worldwide unlimited at 100%/90%, no deductible stated.
Emergency dental treatment
Conditional
Only dental treatment serving immediate pain relief (Erstversorgung) is covered; dental treatment beyond acute pain relief and dentures/prosthetics are explicitly excluded.
Medical transport costs
Covered
RVI/RVS: transport to the nearest hospital is covered at 100%; transport for continued treatment at a hospital near the home address by ambulance vehicle is covered up to EUR 1,500. RE/RF: transport costs to the nearest hospital are included within the unlimited treatment cost cover.
Medically necessary repatriation flight
Covered
SOS repatriation service covers the cost of a medically necessary flight/journey home for an ill or injured insured person at 100%, provided the transport is arranged via Tyrol Air Ambulance.
Repatriation of mortal remains
Covered
Repatriation of an insured person who dies during the insurance period to their former place of residence is covered at 100% via the SOS repatriation service. Under RE/RF, a local burial can alternatively be reimbursed up to EUR 2,000 instead of repatriation.
Search and rescue costs
Covered
Rescue costs from NACA severity level IV upward in connection with an accident are covered: up to EUR 4,000 under Tarif RVI/RVS, and 90% up to EUR 10,000 under Tarif RE/RF.
COVID-19 / pandemic-related treatment
Conditional
Illnesses including pandemic-related infections are covered as ordinary acute illness, except that no cover applies for illness or accident consequences from war/crisis events (including pandemic-related infections) in regions under an official Austrian travel warning.
Pre-existing chronic/latent conditions
Conditional
Acute flare-ups or episodes of pre-existing chronic or latent diseases are treated equally to new illness and covered, but only if the insurance was concluded before the insured person's 75th birthday.
Adventure sports cover
Not offered
Not specifically addressed; only active participation in sports competitions/tournaments and related training is excluded, not adventure sports generally.
Pregnancy complications
Not offered
Not specifically addressed; the exclusions cover routine pregnancy check-ups, terminations and childbirth, but acute pregnancy complications are not separately mentioned.
24/7 emergency assistance
Covered
The insurer's emergency service and the partner Tyrol Air Ambulance are available day and night for medical emergencies and repatriation coordination.
Key conditions
Assistance call deadline
From the 7th day of an inpatient hospital stay, the insured must inform the insurer to allow assessment of a possible repatriation; if timely notification is unreasonable, it must be given as soon as reasonable.
Unauthorized treatment
If the notification duty is breached and the insured person would have been fit to travel, cost reimbursement for the affected treatments is limited to the amount that does not exceed the cost of a repatriation organized by the insurer.
Purchase while abroad
The insurance can only be concluded before departure from Austria; it cannot be taken out while already abroad, and there is no extension or follow-up policy once the trip has started.
Chronic conditions
Acute flare-ups of pre-existing chronic or latent diseases are treated as covered illness, but only if the policy was concluded before the insured turned 75.
Pregnancy
Pregnancy check-ups, terminations of pregnancy and childbirth/deliveries are excluded from cover.
Pre-existing condition exclusions
Cover for acute episodes of pre-existing chronic/latent conditions applies only when the insurance was taken out before the insured person's 75th birthday; treatment must become acutely necessary during the insured stay abroad.
Coverage duration limit
Tarif RE/RF (annual protection) covers an unlimited number of trips per year, each up to 42 days (6 weeks); Tarif RVI/RVS (fixed-term) covers a single continuous stay abroad of 1 to 12 months with no renewal.
Where to buy
Documents
IPID - Auslandsreise-Krankenversicherung (Tarife RE/RF, RVI/RVA)
ipid
Product sheet (Flugblatt) - Tarif RE/RF (annual protection)
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Product sheet (Flugblatt) - Tarif RVI/RVS (fixed-term)
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General terms and conditions (AVB) - Auslandsreise-Krankenversicherung
terms_and_conditions
Main product page
other
Policy specifics
SOS Repatriation Service
Covers medically necessary repatriation and return transport costs, included as standard in the International Travel Health Insurance
Maximum Trip Duration per Journey
Annual protection covers trips up to 42 days (6 weeks) per individual trip, with unlimited trips within the annual contract period
Cost Sharing with Social Insurance
If Austrian social insurance (Sozialversicherung) provides benefits, the insurer covers only the differential costs for urgent treatment; if no social insurance benefit is available, 90% of costs are covered
Pre-existing Conditions Age Limit
Coverage for acute episodes of pre-existing chronic or latent diseases is only available if policy enrollment occurred before age 75
Travel Warning Exclusion
No coverage for illnesses or accident consequences arising from war, crisis, or pandemic-related infections in regions where an official Austrian travel warning is in effect or becomes effective
Direct Billing and Cost Reimbursement Method
The insurer covers costs at general ward rates in public hospitals via direct billing when authorized; otherwise, reimbursement is processed after treatment
Rescue and Recovery Costs
Coverage includes search and recovery costs after accidents; rescue costs are covered for NACA severity level IV and higher during accident situations
Policy Enrollment Timing Requirement
The insurance must be concluded before departure from Austria; enrollment is not possible after international travel has begun
Occupational/Professional Travel Exclusion
Persons who travel abroad for extended professional reasons (e.g., mechanics, sales representatives) are not eligible for this consumer travel insurance product