Insurance
Information Outgoing & Incoming

Mobility under Erasmus+ or under a bilateral agreement does not include automatic insurance coverage. Students are obliged to arrange for their insurance cover for the entire duration of their stay abroad. This includes accident, liability and health insurance. It should be noted that not all costs may be covered, so it is recommended that you take out additional insurance for the duration of your stay abroad.
We therefore advise you to take out the following insurances for stays abroad (studies or internships), if these do not already exist:
  • Health and accident insurance
  • Liability insurance
  • Travel and repatriation insurance
Mozarteum University Salzburg is not liable for the consequences of non-insurance or underinsurance!

Health insurance

Health insurance in other European countries:
With the European Health Insurance Card (EHIC) – on the back of the e-card – you can prove in other European countries that you are covered by statutory health insurance in Austria.
The EHIC is valid in all 27 EU countries as well as a number of other European countries in hospitals and doctors’ surgeries that have a contract with the local public health insurance. List of EHIC states.
It is generally advisable to take out private travel health insurance in addition to the EHIC, which also covers transport costs to Austria and leisure accidents. Check with your health insurance institution well in advance of your departure.

Health insurance outside Europe:
If you are studying abroad in a country where the European Health Insurance Card is not valid, you will initially have to pay for your own medical treatment locally. If you have a valid statutory health insurance in Austria, you can apply afterwards to the Austrian Health Insurance Fund (ÖGK) for reimbursement of costs for treatment abroad. Only part of the costs will be reimbursed. It is recommended to take out additional private travel health insurance, which also includes transport costs to Austria and leisure accidents.

Accident and liability insurance

As an ÖH member, you are insured against accidents and liability for the entire semester by paying the ÖH fee. This insurance cover also exists for accidents or damage that occur during your studies at the host campus or on the way there when completing semesters abroad. It is therefore recommended to take out additional insurance that is also valid outside working hours. Please note that the ÖH insurance is not a health insurance and does not replace it! Especially for stays abroad of limited duration, we therefore strongly recommend taking out your own (private) travel health insurance including repatriation to Austria. Furthermore, there is no insurance cover for liability claims in the USA, Australia and Canada.
Detailed information on accident and liability insurance for stays abroad can be found on the ÖH website under OeH Versicherung

Accident and liability insurance for study abroad stays and internship stays abroad in general:
As an ÖH member, you are insured against accidents and liability for the entire semester by paying the ÖH fee, even during stays abroad. Generally, accidents that occur during the study/internship are insured. Liability insurance covers damage caused by students to other persons in the course of their studies/internship. Detailed information on accident and liability insurance for stays abroad can be found on the ÖH website OeH Versicherung

Versicherung. The ÖH insurance does not include health insurance!
Attention: There is no insurance cover for liability claims in the USA, Australia and Canada!


Information for Erasmus+ Internship
Regarding accident and liability insurance, you are obliged to clarify with the internship provider before starting your internship whether you will be covered by accident and/or liability insurance by the internship provider for the duration of your internship!
As a student, you receive supplemental insurance cover against accidents and liability within the framework of the ÖH insurance during the internship or on the way between the internship and your place of residence, provided that you have paid the ÖH fee for the semester in question.
However, it is recommended to take out additional insurance that is also valid outside working hours.


Health insurance
During their stay in Salzburg, exchange students must have a health insurance policy that is subject to payment in Austria.

  • Students from EU/EEA or Switzerland countries bring their European Health Insurance Card with them. With this card they will have access to all medically necessary public health services in Austria (at the same conditions and the same costs). Find more details on the website.
  • If students are anational of third countries (i.e. not EU/EEA or Switzerland), they need a health insurance which is valid in Austria.
    In principle travel health insurance must be taken out to enter Austria with a visa (and for the whole duration of your stay). Please note that this insurance must be valid in Austria and provide sufficient cover for various health issues (insurance cover well over 30,000 Euro including guarantee to cover possible recovery and repatriation costs).

Medical assistance
Students in Salzburg who have special medical needs are advised to bring prescriptions or medical indications from home. There is no special emergency medical service on the university campus. Students must look for a suitable* doctor in the city themselves in case of illness or for examinations.

The following options are available for this purpose:


Accident and liability insurance
The ÖH fee, which is obligatory for all students, includes liability and accident insurance. This insurance applies to all activities related to your studies. More information can be found here.

If students wish to have more extensive insurance cover, they must arrange this themselves.

General information as well as what to do in the event of a claim while abroad can be found here: https://www.oeh.ac.at/service/versicherung