What counts as “fully insured”?

Employment (Unselbständige Beschäftigung)

Fully insured employment means:

• You earn above the minor employment threshold (Geringfügigkeitsgrenze)
  • 2025: €551.10 per month
  • 2024: €518.44 per month
• Your employer registers you with ÖGK (Austrian Health Insurance Fund)
• You have complete social insurance coverage:
  • Health insurance (Krankenversicherung)
  • Accident insurance (Unfallversicherung)
  • Pension insurance (Pensionsversicherung)
• You receive an e-card as proof of insurance

Self-Employment (selbständige Erwerbstätigkeit)

Fully insured self-employment means:

• You are officially registered as self-employed in Austria
• Your annual income exceeds the SVS insurance threshold
  • 2025: €6,613.22 per year
  • 2024: €6,221.28 per year
• You pay contributions to SVS (Social Insurance for Self-Employed)
• You have proper business registration:
  • Trade license (Gewerbeschein) for regulated businesses, OR
  • Tax number for “new self-employed” (Neue Selbständige)

What Does Not Qualify

• Minor employment (geringfügige Beschäftigung) below the threshold
• Volunteer work
• Unpaid internships
• Cash-in-hand work without proper registration
• Informal freelance work without SVS registration
• Free voluntary insurance without qualifying income

How to Verify Your Insurance Status

You can verify your insurance history by requesting a “Versicherungsdatenauszug” from ÖGK (for employment) or SVS (for self-employment).

mypaperwork.ai can help you obtain and interpret your insurance history extract to confirm your fully insured periods and identify any gaps that need to be addressed.