Wiener Städtische
Wiener Städtische is a travel insurance for the AT market with online purchase and 24/7 assistance.
Direct payment
Direct billing available for inpatient treatment in public hospitals abroad where possible; otherwise reimbursement after submission of paid invoices. SOS repatriation costs handled directly by Tyrol Air Ambulance.
Geographic scope
AT
Worldwide except Austria and countries where insured persons have a residence prior to departure; no coverage in regions under Austrian travel warning for crisis/war events
Unique selling points
- Unlimited worldwide medical coverage with no sum cap for inpatient and outpatient emergency treatments, including acute episodes of pre-existing chronic conditions.
- SOS repatriation service via Tyrol Air Ambulance available 24/7 with 100% cost coverage and no upper limit, including repatriation of remains and family members' home journey.
- Annual protection (Jahresschutz) covering unlimited trips per year up to 6 weeks each, rated 1st place for health insurance annual contracts in the independent ÖGVS Branchenmonitor 2025.
- Direct billing with public hospitals abroad where possible, eliminating out-of-pocket advance payments in many cases.
- Family policy covers spouse/partner and children up to age 20, including stepchildren, adopted children and grandchildren, at a single family premium.
Coverage limits
Medical expenses (inpatient and outpatient)
Covered
Covers medically necessary treatment of illnesses and accident consequences occurring acutely during the insured stay abroad. Inpatient costs in public hospitals are reimbursed in full after deduction of social insurance benefits; 90% if no social insurance applies. Outpatient costs including prescribed medications are reimbursed at 90% when no social insurance claim exists.
SourceEmergency medical treatment
Covered
Coverage for all medically necessary emergency treatments of illnesses and accident consequences that occur acutely during the insured stay abroad, including acute episodes of pre-existing chronic or latent conditions (if policy concluded before age 75). Only treatments that are medically indispensable (unaufschiebbar) are covered.
SourceHospitalization (inpatient treatment)
Covered
Costs of inpatient treatment (operative and non-operative) at standard class in public hospitals and equivalently priced private hospitals are reimbursed in full after deduction of social insurance benefits. If social insurance provides no benefit, 90% of costs are reimbursed. Transport to the nearest hospital is included.
SourceOutpatient treatment
Covered
Costs of medically necessary outpatient physician treatment including prescribed medications are reimbursed at 90% when no social insurance claim exists. If partial social insurance coverage applies, the amount exceeding social insurance is reimbursed up to applicable maximum amounts.
SourceEmergency dental treatment
Conditional
Only dental treatment for immediate first aid to relieve acute pain is covered. Conservative and prosthetic dental treatments and dental prostheses are explicitly excluded.
SourceMedical transport (to nearest hospital)
Covered
Costs of transport to the nearest hospital are covered as part of inpatient treatment costs (100% after SV deduction) or at 90% for outpatient cases. Additional costs for home journey by ambulance vehicle due to illness/accident are reimbursed at 90% of excess costs over normal travel costs.
SourceMedical evacuation / SOS repatriation
Covered
The SOS repatriation service covers 100% of additional costs for the home journey or home flight of the ill or injured insured person, organized via Tyrol Air Ambulance (available 24/7). Also covers the most cost-effective home journey of insured family members. The insurer bears the cost if the transport is arranged by the authorized partner (Tyrol Air Ambulance). No sum limit stated.
SourceRepatriation of remains
Covered
100% of costs for the transfer of an insured person who died during an insured stay abroad to their former place of residence, provided the transfer is arranged by Tyrol Air Ambulance. Also includes the most cost-effective home journey for insured family members travelling with the deceased.
SourceSearch and rescue
Covered
Search and rescue costs following an accident are covered. The IPID confirms inclusion. Specific maximum amounts for RE/RF are not stated in the available sources (the EUR 4,000 limit for NACA IV applies to the separately documented RVI/RVS tariff flyer).
SourceCOVID-19 / pandemic illness treatment
Conditional
Medically necessary treatment of pandemic-related infections (including COVID-19) abroad is covered provided no Austrian travel warning is in force for the destination at the time of travel or when the illness occurs. Coverage ceases for crisis-related illness if the insured voluntarily remains in a region after a travel warning takes effect.
SourcePre-existing / chronic conditions (acute episodes)
Conditional
Acute episodes or relapses of pre-existing chronic or latent conditions are covered under the same conditions as acute illnesses, provided the policy was concluded before the insured person reached age 75. The treatment must become acutely necessary during the insured stay abroad.
SourceWinter sports cover
Covered
Recreational winter sports are covered under the general illness and accident coverage. Competitive sports events and official training for competitions are explicitly excluded.
SourceAdventure / competitive sports cover
Excluded
Consequences of accidents arising from active participation in sporting competitions, contests, and official training for such events are explicitly excluded.
SourcePregnancy and maternity
Excluded
Pregnancy examinations, deliveries, and terminations of pregnancy are explicitly excluded from coverage.
SourcePersonal liability
Excluded
Personal liability is not part of this travel medical insurance product.
SourceLegal assistance
Not offered
Legal assistance is not part of this travel medical insurance product.
Source24/7 emergency assistance
Covered
A 24/7 emergency hotline is available at +43 (0)50 350 357 for medical emergencies abroad. Tyrol Air Ambulance is available around the clock as the SOS repatriation partner. A general service hotline at +43 (0)50 350 350 is also available.
SourceKey conditions
Assistance call deadline
The insured must notify the insurer from the seventh day of any inpatient hospital stay to enable assessment of possible home transport. If this notification obligation is breached and the insured would have been fit for transport, reimbursement of treatment costs is limited to the cost of an insurer-organised home transport.
Unauthorized treatment
If treatments exceed the medically necessary extent, the insurer's obligation to pay is reduced to the costs of medically necessary treatments. Fraudulent misrepresentation or deliberate circumvention of policy rules releases the insurer from liability and entitles termination of the contract.
Purchase while abroad
The insurance must be concluded before departure from Austria. Extension or follow-on insurance is excluded. No premium refund is possible if the stay abroad is cut short.
Chronic conditions
Acute episodes or relapses of pre-existing chronic or latent conditions are covered on the same basis as acute illnesses, provided the policy was concluded before the insured person reached age 75 at the time of policy inception.
Pregnancy
Pregnancy examinations, deliveries, and terminations of pregnancy are excluded from coverage.
pre_existing_conditions
Pre-existing conditions are generally not excluded; however, acute episodes of chronic or latent conditions are only covered if the policy was taken out before the insured person's 75th birthday. Planned treatments that were the reason for travel are excluded.
coverage_duration_limit
For the annual protection (Tarif RE/RF), coverage applies to each individual trip for a maximum of 6 weeks (42 days) from the start of that trip. If the insured is medically unfit for transport after a covered event beyond the coverage period, the period extends until transportability is regained and the immediate repatriation is completed.
Documents
IPID – Auslandsreise-Krankenversicherung (Tarife RE/RF, RVI/RVA)
ipid
Allgemeine Versicherungsbedingungen (AVB) – Auslandsreise-Krankenversicherung RE/RF inkl. Vertriebsinformationen
terms_and_conditions
Leistungsübersicht – Auslandsreise-Krankenversicherung Tarif RE/RF
benefits_table
Produktflugblatt – Auslandsreise-Krankenversicherung Tarif RE/RF (Stand 01/2026)
other
Policy specifics
Medical repatriation
SOS-Rückholdienst for emergency transport home when medically necessary
Treatment of acute illnesses and accidents
Covers treatment of illnesses and accident consequences occurring during insurance period, including acute attacks or relapses of pre-existing chronic conditions
Cost coverage conditions
Coverage depends on social security coordination: full cost replacement of amount exceeding social insurance (90% if no social insurance coverage)
Pandemic-related illness coverage
Coverage for pandemic-related infections (e.g. COVID-19) is included if no travel warning exists for destination
Geographic coverage - worldwide or Europe
Selectable geographic scope: worldwide coverage or limited to Europe (including Mediterranean countries, Jordan, Madeira, Azores, Canary Islands)
Hospital stay notification
Insured person must notify insurer of inpatient hospital admissions exceeding 7 days
Maximum entry age
Policy can only be concluded for persons under age 75; acute episodes of chronic conditions covered only if policy concluded before age 75
Residency requirement
Insured persons must have ordinary residence in Austria and not be permanently or primarily residing abroad for professional or educational reasons
Waiting periods
No waiting period for accidents; 10-day waiting period may apply for illness coverage if policy purchased after booking
Standard exclusions
Treatment not directly needed to relieve illness (rehabilitation, prophylactic vaccinations, cosmetic treatments, withdrawal treatments)