Private health insurance
More choice for your health.
Outpatient, hospital and dental cover: the decisive factors are benefits, limits, excesses, medical underwriting and long-term affordability.
Private doctors and outpatient care
From simple private-doctor fee cover to broader variants including medicines, medical aids, vaccinations, physiotherapy and other outpatient benefits.
Learn more →Hospital and private ward
With or without a deductible, regional or Austria-wide, and with different room and benefit standards depending on the tariff.
Learn more →Dental treatment and prosthetics
Compare benefit schedules, reimbursement percentages, annual limits, waiting periods and treatments.
Learn more →Combine benefits sensibly
Combine outpatient, inpatient, dental and possible option solutions according to needs and long-term affordability.
Learn more →Children and families
Consider early entry, newborn options and long-term affordability.
Learn more →Medical underwriting
Prepare health questions, reports, loadings, exclusions and acceptance decisions carefully.
Learn more →Practice case · health insurance advice
Understand the options first – then choose the tariff.
A customer wanted to know which private health insurance solution would suit her. We started by structuring the available cover components and their actual value rather than by naming a product.
From doctor-fee cover to broader outpatient benefits
Some tariffs mainly reimburse private doctor fees. Broader variants may also include medicines, medical aids, vaccinations and physiotherapy, each with different annual limits.
Private ward with or without a deductible
Inpatient tariffs differ by deductible, geographic scope, room standard and benefits. Limited solutions may also exist for accidents or certain serious illnesses.
Preserve today's health status
An option tariff can assess health status today and, depending on the contract, allow later expansion within defined periods without a new full health assessment. This can be valuable if health deteriorates later.
Separate dental preservation from prosthetics
Prevention and tooth preservation have different cost patterns from crowns, bridges or implants. Reimbursement rates, waiting periods and annual limits need separate review.
Think about retirement too
Comprehensive private health cover can represent a substantial long-term premium. We therefore consider not only today's affordability but also how the cost may fit a lower retirement income.
Separate advertising claims from practical benefit
We examine which benefits genuinely help in everyday life. Depending on the product, this may include practical services such as access to reserved private-doctor appointments or organisational assistance.
Outcome: The customer receives a clear overview of benefits, cost, options and long-term implications before deciding which protection fits her needs and budget.
How we work
From needs analysis to a checked policy.
Private health insurance should align benefits, medical underwriting and long-term affordability.
Clarify needs
Outpatient, hospital, dental, children, deductible, budget and desired geographical scope.
Compare benefits
Reimbursement rates, annual limits, waiting periods, deductibles, direct billing and key exclusions.
Prepare health disclosures carefully
Answer medical questions completely and transparently and provide any required medical records or supporting information.
Check application and policy
After issue, we review the tariff, special agreements, exclusions, deductibles and the benefits actually documented in the policy.
Advice, not brand promotion
We do not publish blanket insurer recommendations.
Products and underwriting rules change. Current wording and individual circumstances matter.
Court decisions
View all decisionsHealth disclosures, medical necessity and exclusions explained clearly.
Selected Supreme Court decisions with practical relevance to private health insurance.
Medically necessary treatment
In private health insurance, the insured event begins with medically necessary treatment for illness or accident consequences. Medical necessity and treatment purpose are central.
Official RIS decision →Cosmetic treatment and exclusions
The Court reviewed an exclusion for cosmetic treatment, operations and their consequences. Medical indication and contractual exclusion must be distinguished carefully.
Official RIS decision →Answer health questions carefully
Pre-contract health information requires great care. The policyholder generally bears the burden of showing an absence of fault for an incorrect or incomplete answer.
Official RIS decision →Frequency as well as severity may be material
For health-risk assessment, not only the severity of one illness but also the frequency of treatment or recurring complaints may be material.
Official RIS decision →Broker advice for health insurance
Why broker advice mattersAssess benefits, health disclosures and policy wording together.
Private health insurance requires more than a price comparison. An insurance broker can help compare benefit limits, underwriting, exclusions and long-term policy quality.
Our team
Meet the teamPersonal support from advice to claims handling.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
Sylvia Laslo
Back office, policy administration and client service
Corinna Wartecker
Claims management and client support
Lara Gschöpf
Client service, organisation and digital communication
Gerhard Kofler
External expert for liability, property and accident insurance
Frequently asked questions
View all questionsClear answers before you decide.
What is outpatient cover?
Depending on the tariff it may reimburse private doctors, diagnostics, therapies, medication, aids and preventive care.
What matters in hospital cover?
Private ward, doctor choice, room standard, excess, direct billing and territorial scope.
Why does medical underwriting matter?
Pre-existing conditions may affect acceptance, loadings, exclusions or decline. Complete disclosure is essential.
Personal advice
Compare cover clearly.
Directions to our office
Visit us in Euratsfeld.
Our office is located at Saliterweg 8, 3324 Euratsfeld. The interactive Google map is loaded only after your explicit consent.
SICHER mit HELMSaliterweg 8, 3324 Euratsfeld, Österreich
Phone+43 7474 23456
