{"id":1017,"date":"2026-05-10T06:58:07","date_gmt":"2026-05-10T06:58:07","guid":{"rendered":"https:\/\/flytorelocation.com\/at\/austria-oegk-moving-abroad-2026\/"},"modified":"2026-05-11T20:17:24","modified_gmt":"2026-05-11T20:17:24","slug":"austria-oegk-moving-abroad-2026","status":"publish","type":"page","link":"https:\/\/flytorelocation.com\/at\/austria-oegk-moving-abroad-2026\/","title":{"rendered":"\u00d6GK and Moving Abroad from Austria 2026: Health Insurance + EHIC"},"content":{"rendered":"<div class=\"flyto-article\">\n<h1 class=\"flyto-article-title\">\u00d6GK and Moving Abroad from Austria 2026: Health Cover, EHIC and S1 Form<\/h1>\n<div class=\"flyto-byline\"><strong>Flyto Relocation Team<\/strong><span class=\"flyto-byline-sep\">\u00b7<\/span><span>Updated May 10, 2026<\/span><span class=\"flyto-byline-sep\">\u00b7<\/span><span class=\"flyto-byline-badge\">\u2713 Expert team since 2018<\/span><span class=\"flyto-byline-sep\">\u00b7<\/span><span>~2 min read<\/span><\/div>\n<div class=\"flyto-langswitch\" lang=\"en\">Also available in <a href=\"https:\/\/flytorelocation.com\/at-at\/oegk-auslandsumzug-2026\/\" hreflang=\"de\" rel=\"alternate\">Deutsch<\/a><\/div>\n<div class=\"flyto-tldr\">\n<p><strong>Quick answer:<\/strong> When moving abroad from Austria, \u00d6GK statutory cover ends. Self-insurance (Selbstversicherung) is available to keep entitlement alive. Within the EU\/EEA, the S1 form lets \u00d6GK pay for healthcare in your destination \u2014 important for pensioners and posted employees. EHIC only covers temporary stays. Outside the EU, private international health insurance is required.<\/p>\n<\/div>\n<div class=\"flyto-takeaways\">\n<h3>Key takeaways<\/h3>\n<ul>\n<li><strong>Mandatory \u00d6GK<\/strong> ends at emigration.<\/li>\n<li><strong>Self-insurance<\/strong> available.<\/li>\n<li><strong>S1 form<\/strong> for EU\/EEA.<\/li>\n<li><strong>EHIC<\/strong> only for transition.<\/li>\n<li><strong>Private cover<\/strong> outside EU.<\/li>\n<\/ul>\n<\/div>\n<figure class=\"flyto-img\"><img src=\"https:\/\/pogjpekgbaurdexnlcsl.supabase.co\/storage\/v1\/object\/public\/content-images\/1777353933124-FLYTO_-_Muutto_-_Kuvaaja_Nuuti_Paananen__1___1___2_.jpg\" alt=\"GK and Moving Abroad from Austria 2026 Health Cover EHIC and S1 Form\" loading=\"lazy\" decoding=\"async\" \/><\/figure>\n<div class=\"flyto-augment\">\n<h2>\u00d6GK in 2026: when cover ends and what replaces it<\/h2>\n<p>The \u00d6sterreichische Gesundheitskasse (\u00d6GK) is Austria&#8217;s main statutory health insurer, covering roughly 7.2 million residents \u2014 almost all employees, pensioners and family-insured dependents who are not covered by SVS (self-employed), BVAEB (civil servants and railway workers) or one of the smaller funds. Cover under \u00a76 ASVG ends automatically when employment ends, when residence in Austria ends, or when you fall below the minor-earnings threshold (<em>Geringf\u00fcgigkeitsgrenze<\/em>, \u20ac551.10\/month in 2026). Mandatory cover ends 28 days after the trigger under the protection period (<em>Schutzfrist<\/em>) provision.<\/p>\n<p>Two pathways exist for emigrants: continued \u00d6GK cover via the S1 form for relocations within the EU\/EEA\/Switzerland, or full termination with private cover purchased in the destination. Choosing wrongly can cost \u20ac5,000-15,000 per year in private replacement insurance. The decision must be made before deregistering at the registration office (<em>Meldeamt Abmeldung<\/em>) \u2014 see our <a href=\"https:\/\/flytorelocation.com\/at\/austria-meldeamt-deregistration-2026\/\">Meldeamt deregistration guide<\/a> for the timing.<\/p>\n<h2>S1 form: keeping \u00d6GK cover while resident abroad in EU\/EEA<\/h2>\n<p>The S1 form (formerly E106) is issued under EU Regulation 883\/2004 and lets you remain insured under \u00d6GK while residing in another EU\/EEA state or Switzerland. Eligibility: you must be a posted worker (entsandter Arbeitnehmer), a cross-border worker (Grenzg\u00e4nger), an Austrian pensioner relocating to another EU state, or a family member of one of the above. Self-employed retirees and unemployed expats generally do not qualify.<\/p>\n<p>How it works: \u00d6GK issues the S1, you present it at the destination&#8217;s health authority (e.g. CPAM in France, Servizio Sanitario in Italy, Sociale Verzekeringsbank in the Netherlands). You receive a local health card and use the destination&#8217;s healthcare system, but the costs are reimbursed by \u00d6GK back to the local authority. Premiums continue to be paid in Austria \u2014 typically deducted from the Austrian pension or salary if cross-border-employed.<\/p>\n<h2>EHIC (e-card with EU flag) for short visits<\/h2>\n<p>The European Health Insurance Card (EHIC) is the back of your e-card. It covers necessary medical care during temporary stays in EU\/EEA countries and Switzerland \u2014 holidays, business trips, study abroad up to 6 months. EHIC does not cover relocations or planned medical treatment abroad. After Meldeamt deregistration the EHIC is invalid the next day, even though the physical card may still appear functional.<\/p>\n<p>For students on Erasmus+ (under 6 months): EHIC plus the Austrian e-card remains valid; no S1 needed. For students enrolled in a full degree abroad: EHIC ends with deregistration; either S1 (if dependent on Austrian pensioner family member) or local insurance applies.<\/p>\n<h2>Comparison: \u00d6GK options when emigrating<\/h2>\n<table>\n<thead>\n<tr>\n<th>Situation<\/th>\n<th>Form<\/th>\n<th>Cost in Austria<\/th>\n<th>Cover abroad<\/th>\n<th>Limits<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Posted worker EU\/EEA<\/td>\n<td>S1 + A1<\/td>\n<td>Standard \u00d6GK premium<\/td>\n<td>Full local cover via S1<\/td>\n<td>Posting up to 24 months (extendable)<\/td>\n<\/tr>\n<tr>\n<td>Austrian pensioner moving to EU\/EEA<\/td>\n<td>S1<\/td>\n<td>Standard PVA deduction<\/td>\n<td>Full local cover<\/td>\n<td>Lifetime, while pension paid<\/td>\n<\/tr>\n<tr>\n<td>Cross-border worker (e.g. living in Slovakia, working Austria)<\/td>\n<td>S1 (border)<\/td>\n<td>Standard \u00d6GK<\/td>\n<td>Cover in both states<\/td>\n<td>Active employment required<\/td>\n<\/tr>\n<tr>\n<td>Self-employed moving to EU\/EEA<\/td>\n<td>None \u2014 local insurance<\/td>\n<td>n\/a (cancel SVS)<\/td>\n<td>Local statutory or private<\/td>\n<td>Must enrol in destination system<\/td>\n<\/tr>\n<tr>\n<td>Moving to USA, Canada, UK, Australia<\/td>\n<td>None \u2014 private insurance<\/td>\n<td>n\/a<\/td>\n<td>Buy local + emergency expat plan<\/td>\n<td>EHIC invalid; pre-existing conditions priced<\/td>\n<\/tr>\n<tr>\n<td>Erasmus+ stay &lt;6 months<\/td>\n<td>EHIC only<\/td>\n<td>Continue \u00d6GK<\/td>\n<td>Necessary care<\/td>\n<td>Not for planned treatments<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Selbstversicherung: voluntary continuation if you do not qualify for S1<\/h2>\n<p>If you emigrate but cannot get an S1 (typical for self-employed, unemployed, or third-country moves), voluntary self-insurance (<em>Selbstversicherung<\/em>) under \u00a716 ASVG lets you continue voluntary \u00d6GK membership for up to 24 months. Premium in 2026: \u20ac483.46\/month for the standard tariff, providing full \u00d6GK cover including hospitalisation and family-insurance for dependents. This can serve as a bridge while local insurance is set up abroad, but is rarely competitive long-term.<\/p>\n<p>Eligibility-preservation insurance (<em>Anwartschaftsversicherung<\/em>) is not formally offered by \u00d6GK in the way German GKV does, but Austrian private insurers (Uniqa, Generali, Wiener St\u00e4dtische, Donau, Merkur) offer eligibility options at \u20ac40-90\/month that preserve the right to switch back to private full cover within 5 years without medical underwriting on return.<\/p>\n<h2>Healthcare in your destination: timing and gaps<\/h2>\n<p>Most EU\/EEA countries require local registration within 4-12 weeks of arrival before granting access to statutory healthcare. Plan for a 30-90 day gap with travel insurance. Recommended providers for Austrians abroad: Allianz Care (\u20ac60-200\/month), Cigna Global, IMG Global, Bupa Global. Read the pre-existing condition (<em>Vorerkrankungen<\/em>) clauses carefully \u2014 most expat plans wait 6-12 months for chronic conditions.<\/p>\n<p>For UK destination post-Brexit: the EHIC has been replaced by the GHIC (UK-issued for residents) and the Austria-UK bilateral arrangement allows S1 transfer for posted workers and pensioners. New permanent UK residents need to enrol in NHS within 3 months and pay the Immigration Health Surcharge (\u00a31,035\/year per visa applicant) until permanent residence.<\/p>\n<p>For USA destination: no equivalent exists. Buy comprehensive private insurance before departure (typical: $400-1,500\/month for individuals over 40). The ACA marketplace is open only to lawful US residents \u2014 your Austrian e-card has no value in the US system.<\/p>\n<h2>Family-insured dependents (<em>Mitversicherung<\/em>)<\/h2>\n<p>Family members under \u00a7123 ASVG are co-insured through the primary insured. When the primary insured emigrates and switches to S1, dependents are normally covered under the same S1. If the primary remains in Austria but the family moves abroad, the family is co-insured via the primary&#8217;s S1 if the destination is EU\/EEA. Otherwise, dependents lose \u00d6GK cover the day after Meldeamt deregistration.<\/p>\n<h2>Reactivating \u00d6GK on return to Austria<\/h2>\n<p>If you return to Austria within 5 years and resume employment or self-employment, \u00d6GK cover is reactivated automatically when the new employer files the registration (<em>Anmeldung<\/em>) at the social insurance institution (<em>Sozialversicherungsanstalt<\/em>). The social security number (<em>Sozialversicherungsnummer<\/em>) never changes. The 6-month waiting period (<em>Wartezeit<\/em>) for certain benefits (e.g. maternity benefit, <em>Wochengeld<\/em>) is waived if previously fulfilled. Pension contributions paid abroad in EU\/EEA states are recognised under EU 883\/2004 \u2014 see our <a href=\"https:\/\/flytorelocation.com\/at\/austria-pension-abroad-2026\/\">PVA pension guide<\/a>.<\/p>\n<p>Returning third-country expats face a 6-month waiting period for some benefits but full hospital and outpatient cover starts immediately upon registration at \u00d6GK. The e-card is reissued within 4-6 weeks; in the meantime the insurance confirmation (<em>Versicherungsbest\u00e4tigung<\/em>) serves as proof at clinics and hospitals.<\/p>\n<\/div>\n<div class=\"flyto-faq\">\n<h3>FAQ<\/h3>\n<details>\n<summary>How do I apply for self-insurance?<\/summary>\n<p>Directly with \u00d6GK before departure.<\/p>\n<\/details>\n<details>\n<summary>Who gets the S1 form?<\/summary>\n<p>Pensioners and posted workers with Austrian pension insurance.<\/p>\n<\/details>\n<details>\n<summary>Family members?<\/summary>\n<p>Co-insurance via S1 is possible for spouses and children.<\/p>\n<\/details>\n<details>\n<summary>Moving to the USA?<\/summary>\n<p>Private international health insurance is required.<\/p>\n<\/details>\n<details>\n<summary>Cost of self-insurance?<\/summary>\n<p>Varies based on income and chosen cover level.<\/p>\n<\/details>\n<details>\n<summary>Can I keep my e-card after moving abroad?<\/summary>\n<p>The physical card remains in your possession but is invalid the day after Meldeamt deregistration unless you have a valid S1 in place. The S1 itself is paper-based; some EU destinations issue a local card that mirrors EHIC functionality. Do not destroy the e-card \u2014 you will need it if you return to Austria.<\/p>\n<\/details>\n<details>\n<summary>How long does it take \u00d6GK to issue an S1 form?<\/summary>\n<p>Typically 2-6 weeks after submitting the application via FinanzOnline or directly at an \u00d6GK regional office (<em>Landesstelle<\/em>). Apply 1-3 months before move date to bridge any gap. The S1 is sent to your Austrian address by post \u2014 request digital delivery to your ID Austria postbox to speed this up.<\/p>\n<\/details>\n<details>\n<summary>What does Selbstversicherung cost in 2026?<\/summary>\n<p>\u20ac483.46 per month under \u00a716 ASVG for the standard tariff, providing full \u00d6GK cover including dependents. Available for up to 24 months after the end of mandatory insurance, ideal as a bridge during early emigration. Compare against destination private insurance and S1 eligibility before opting for it.<\/p>\n<\/details>\n<details>\n<summary>Does EHIC cover me as an exchange student abroad?<\/summary>\n<p>Only for stays under 6 months that maintain the Austrian main residence (<em>Hauptwohnsitz<\/em>) \u2014 EHIC covers necessary medical care, not planned treatment. For full degree programmes abroad, EHIC ceases at deregistration; either S1 (rare for students) or local statutory or private insurance is required. Many universities offer student health plans for \u20ac20-90\/month.<\/p>\n<\/details>\n<\/div>\n<p>Apply for the S1 well before your move date \u2014 issuance can take several weeks.<\/p>\n<p>Flyto Relocation handles your international move from Austria. <a href=\"https:\/\/flytorelocation.com\/at\/quote\/\">Get a free quote<\/a>.<\/p>\n<p>See also: <a href=\"https:\/\/flytorelocation.com\/at\/guides\/\">All Austria moving guides<\/a>.<\/p>\n<div class=\"flyto-cta\">\n<h3>Planning your move?<\/h3>\n<p>Get a free, personalised quote in 2 minutes<\/p>\n<p><a class=\"flyto-btn\" href=\"https:\/\/flytorelocation.com\/at\/quote\/\">Get free quote \u2192<\/a><\/p>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"headline\":\"\u00d6GK and Moving Abroad from Austria 2026\",\"inLanguage\":\"en\"}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6GK 2026 when moving abroad from Austria: self-insurance, EHIC for transition, S1 form for EU\/EEA, private cover outside Europe.<\/p>\n","protected":false},"author":1,"featured_media":743,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1017","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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