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.
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Health is personal.Cover should match need, budget and life situation.
Private doctors and outpatient care
Compare doctors, diagnostics, therapies, medication, aids, prevention and benefit limits.
Learn more →Hospital and private ward
Review hospital choice, doctor choice, room standard, direct billing, excess and territorial scope.
Learn more →Dental treatment and prosthetics
Compare benefit schedules, reimbursement percentages, annual limits, waiting periods and treatments.
Learn more →Combine benefits sensibly
Outpatient, hospital and dental cover do not always need the same level.
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 →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We do not publish blanket insurer recommendations.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 →Our team
Meet the teamPersonal support from advice to claims handling.
Herbert Helm MBA
Insurance broker, financial adviser and personal contact
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
Personal advice
Compare cover clearly.
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.
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
