Cures have a long tradition in Austria, and many people know that insurance can pay part of them. But when exactly, how does the application work, and what applies to private stays in a health hotel? Here is a clear overview. It does not replace advice from your insurer.
- A cure paid by insurance needs a medically justified application and takes place in contracted facilities.
- Usually the pension insurance is responsible, depending on your cover also the health insurance or another body. A co-payment is usual.
- Private stays in health hotels are generally paid by you, but you choose the house, timing and programme freely.
Who pays for a cure in Austria?
Responsibility lies with the insurance body you are insured with. For many employees that is the pension insurance, because the cure is meant to keep people able to work. Depending on the situation, the Austrian Health Insurance Fund (ÖGK), the SVS for the self-employed or the BVAEB may be responsible.
The pension insurance now often calls the classic cure “Gesundheitsvorsorge Aktiv”. It combines treatments with exercise and training for everyday life.
How the application works
The process is similar for all insurers.
- Your doctor fills in the application and explains why the cure makes medical sense
- The application goes to your insurer, which reviews it
- If it is approved, you get a place in a contracted facility, often after a wait
- You pay a daily co-payment that depends on your income; people on low incomes can be exempt
An insurance cure and a health hotel are two different paths, and both can have their place.
And private health stays?
A stay in a health hotel such as the houses on Luxly is generally private. Insurance usually does not pay for it, even if doctors work there. In return you decide when, where and for how long you go, and you do not have to wait for approval.
It is still worth checking: some private supplementary insurance policies contribute to health stays, and individual medical services on site may be reimbursed depending on your contract. Ask before you book.
Tax and employers
If a stay is prescribed by a doctor and medically necessary, costs may in some cases count as an extraordinary burden for tax purposes, with a deductible. This does not apply to pure relaxation. If in doubt, get tax advice.
Some employers support health offers for their staff. Asking costs nothing.
Frequently asked questions
How long does an insurance cure last?
Usually around three weeks. The insurer sets the exact length.
Can I choose the cure facility?
Only to a limited extent for an insurance cure, though you can state preferences. For a private stay you choose freely.
Does the ÖGK pay for a Mayr cure in a hotel?
Usually not, because it is a private stay. But ask a private supplementary insurer whether they contribute.
Luxly does not provide medical advice. Whether a programme suits you is something to discuss with the house's medical team or your own doctor.
