Compulsory insurance, co-insured,
or self-insured
KV Health insurance
UV Accident Insurance
PV Retirement insurance
Your insurance depends on the nature of your work.

Mehmet Mahmoud Irina Narimi Herbert Müller
Mehmet Mahmoud
Independent parcel delivery service
SVA= Social Insurance institution KV, PV
AUVA= General accident insurance fund UV
Irina Narimi
Hotel Receptionist
SGKK=Salzburg Regional Health Scheme KV, PV
AUVA= General accident insurance fund UV
PVA=Pension insurance institution PV
Herbert Müller
Municipal refuse collection services
KFA=Sickness Insurance scheme KV
AUVA=General accident insurance fund UV
PVA=Pension Insurance Institution PV
Compulsory insurance
KV + UV + PV
- Anyone who is self-employed and earns more than the marginal income threshold, must have insurance.
- Your employer must register you with the insurance company. The contribution depends on the income.
- People, who are self-employed must register for compulsory insurance.
Co-insurance
KV + UV
- Persons living in Austria
- Persons who have compulsory insurance, may, under certain circumstances, co-insure family members, if they do not have an own income or are currently attending educational institutions.
- It is your responsibility to register your family members for co-insurance at the health insurance company.
Self-insurance
KV + UV + PV
- Persons living in Austria
- Persons who do not have compulsory insurance
- Persons who are marginally employed (not obliged to insurance)
- Persons studying in Austria
- Persons taking care of a disabled child
- Persons taking care of relatives
can take out an insurance at the SGKK (Salzburg Regional Health Insurance Scheme) themselves, subject to certain requirements.
The monthly contributions for 2017 are between € 56.74 and € 406.88. Requirements are checked individually
Applications forms are available here.