FeelSafe insurance and Care Austria: published prices, ages and terms side by side (2026)

Care Austria vs FeelSafe: the published facts side by side

The table uses the same criteria for both products. Care Austria facts come from Care Concept’s tariff page and policy terms (care-concept.de; AVB). FeelSafe facts come from feelsafe.at’s homepage, product pages, cancellation page and terms PDFs (December 2025), cited as text. The MA 35 row is from the City of Vienna (wien.gv.at).

What does FeelSafe insurance cost in 2026?

FeelSafe’s homepage shows monthly prices of €77.75 (FeelSafe Students) to €217.61 (FeelSafe 35+), each marked “Price depends on age”, so your own price can differ (feelsafe.at, checked 30 October 2026). The homepage shows one monthly price per product. The product pages show no price table; they calculate the price after you enter a date of birth (feelsafe.at, checked 30 October 2026). We found no published age bands behind these figures.

On the product pages, the figures €78.84 and €526.79 appear in the “Public Insurance” comparison column. They are not FeelSafe prices. The current ÖGK figures are €78.84 a month for student self-insurance and €565.25 a month for general self-insurance in 2026 (ÖGK self-insurance). Both need residence in Austria, and general self-insurance pays benefits only after a 6-month waiting period unless waived. All student options are on student health insurance in Austria. FeelSafe also sells a travel product, FeelSafe EU Entry, at €2.99 a day for stays under 6 months; travel insurance is “in any case not sufficient” for a residence permit (BMI, our translation). Two exceptions are stated. For a Red-White-Red Card application, migration.gv.at says the authorities “will accept travel health insurance, provided it covers costs well above € 30,000”, incl. rescue and return costs, at application (migration.gv.at). For a first student permit, OeAD says travel insurance is “only sufficient” until ÖGK student insurance can be taken out after entry, with a written statement attached (OeAD; ask your residence authority whether it accepts this).

What does Care Austria cost in 2026?

Care Austria costs €56 to €510 a month for its unlimited tariffs in 2026 (Care Concept AG tariff page, 2026), each with a 1-year minimum term (AVB § 3); the Standard unlimited prices rise on 1 January 2028 (AVB § 5). Care Austria publishes a fixed monthly price for each age band and term. Care Austria counts your age as the current calendar year minus your year of birth, so cover that starts in 2027 is first priced by your age in 2027 (care-concept.de; AVB). After that, unlimited Standard moves to the next band from 1 January of the year you turn 50 or 65 and Standard 364 from 1 January of the year you turn 65; Education has no band change, but if you turn 36 during the contract, cover continues under Standard (AVB § 1).

The unlimited tariffs have a minimum term of 1 year (AVB § 3). Care Austria plan details lists every Care Austria tariff with its age band, plus the 2028 price step for unlimited Standard. Full limits, documents and the application are on Care Austria, and the company behind it is described on Care Concept insurance.

Is UNIQA FeelSafe the same as UNIQA health insurance in Austria?

FeelSafe sells UNIQA tariffs under its own product names, while UNIQA health insurance in Austria also includes tariffs FeelSafe does not show. FeelSafe names its tariff “QEXPYC 3 2024/B” or “/S by UNIQA”, and its December 2025 terms title it “Expatriates Gold” (feelsafe.at). The City of Vienna lists these UNIQA tariffs for residence permits: “Privat rundum” (general and special class), “Expatriates Gold” (versions 3 2026/B and 3 2026/S), “Expatriates Platin” and “Expatriates Exclusive”, with the note “Jeweils erforderliche Zusatzerklärung”, meaning an extra declaration is required in each case (wien.gv.at). Whether FeelSafe’s 2024 version is treated as the listed 2026 version, and whether FeelSafe sends the declaration, was not stated on the pages we read.

Which insurers are on Vienna’s MA 35 list, including Allianz?

Vienna’s MA 35 page names 11 health insurers for residence permits, including Care Concept AG and UNIQA but not FeelSafe (wien.gv.at, no date on the page, checked 30 October 2026); the table shows them in alphabetical order. Allianz health insurance in Austria appears twice, as Allianz Elementar Versicherungs-AG and Allianz Worldwide Care.

Care Concept AG is on Vienna's MA 35 list: unlimited Care Austria tariffs need no extra declaration, 364-day ones do (checked 30 October 2026). Being on this page is about Vienna’s MA 35. Other authorities publish their own lists or none. The office itself is explained on MA 35 Vienna in English, and the legal rule for all permits on health insurance for a residence permit.

How do the contract terms of FeelSafe and Care Austria differ?

FeelSafe states a general contract time of 3 years with monthly cancellation only for listed reasons (feelsafe.at/cancel, checked 30 October 2026). Care Austria unlimited has a 1-year minimum term, and after that it can be cancelled only to 31 December with one month’s notice (AVB § 3).

What can you check for any residence-permit insurance?

For any residence-permit insurance you can check six published facts before you sign. They are the price for your age, any extra declaration, the minimum term, waiting periods, pre-existing conditions and payment rules. This list applies to both products and is not a ranking.

• The exact monthly price for your age, in writing, and whether it changes on a birthday or on a fixed date.
• Whether your residence authority needs an extra declaration for this tariff (Vienna: MA 35 page).
• Minimum term and the accepted reasons for ending early, such as a refused permit, a job or leaving Austria.
• Waiting periods and own shares, especially dental, pregnancy and hospital.
• For pre-existing conditions, ask before you apply and keep the answer.
• Payment rules, such as bank account and address requirements at the start.

Students can read the permit rules on student residence permit and study in Austria. An overview of public and private options is on health insurance in Austria.

Worked example: what each provider publishes for a 28-year-old master’s student

Illustrative example: Ana, 28, starts a master’s programme in Vienna and needs insurance for her first student permit. From Care Austria’s published table she can read her price directly: Care Austria Education unlimited, €56 a month in 2026, with a 1-year minimum term and cancellation only to 31 December (AVB § 3), so at least €672 in the first year; no extra MA 35 declaration. From FeelSafe’s homepage she sees FeelSafe Students at €77.75 a month with the note “Price depends on age”; her own price appears only after she enters her date of birth on the product page, and the contract time is 3 years with the listed cancellation reasons. For both, she asks in writing about any pre-existing condition and keeps the answers. The choice is hers; this page does not suggest one.

Frequently asked questions

Official sources and provider documents

• City of Vienna (MA 35): health insurance for residence permits, with the insurer list, UNIQA tariffs and Care Concept declarations (no date on the page, checked 30 October 2026)
• BMI: residence and health insurance, stating that travel insurance is not sufficient for national residence titles (exceptions: Red-White-Red Card application with travel cover well above €30,000 incl. rescue and return costs; first student permit: OeAD statement on ÖGK student insurance plus travel insurance until ÖGK cover starts)
• Care Concept: Care Austria tariff page and Care Austria policy terms (AVB), read 30 October 2026
• FeelSafe (provider documents, cited as text): homepage feelsafe.at; product pages “students-health-insurance” and “35-health-insurance”; cancellation policy feelsafe.at/cancel; “Terms and Conditions of FeelSafe Students Health Insurance” and “… 35+ Health Insurance incl. Private Hospital” (German & English, December 2025), read 30 October 2026

Our editorial standards and about this site pages explain how we work. This page lists published facts for information only; it is not insurance, legal or immigration advice and makes no recommendation. Prices and terms can change — check the provider’s current documents before you sign. We earn a commission only on Care Austria, from Care Concept AG, at no extra cost to you (affiliate disclosure).