Short answer
Austria’s general granting requirements for residence permits state that third-country nationals must have health insurance that covers all risks in Austria, and that the presentation of a travel health insurance is not sufficient (Source: AT_RESIDENCE_BMI_2026, Federal Ministry of the Interior; verified 2026-06-14). The engine models four rules: insurance is mandatory, it must cover Austria, it must be comprehensive (all risks), and travel insurance is not accepted.
Key findings at a glance
| Item | Value |
|---|---|
| Route | Austria Residence Permit (third-country nationals) |
| Authority | Federal Ministry of the Interior of Austria (BMI) |
| Evidence verified | 2026-06-14 |
| Snapshot | 2026-06-13 |
| Modeled rules | Insurance mandatory; covers all risks in Austria; comprehensive; travel insurance not accepted |
What the authority requires
- Third-country nationals must have health insurance that covers all risks in Austria. (Source:
AT_RESIDENCE_BMI_2026; verified 2026-06-14) - The presentation of a travel health insurance is not sufficient. (Source:
AT_RESIDENCE_BMI_2026; verified 2026-06-14) - This is a general granting requirement; several permit types are exempt from demonstrating it (Red-White-Red card, EU Blue Card, researchers, students, ICT workers, cross-border workers). (Source:
AT_RESIDENCE_BMI_2026)
Normalized requirements table:
| Requirement | Source URL | Locator | Verified date |
|---|---|---|---|
| Insurance is mandatory | https://www.bmi.gv.at/312_en/04/start.html | General granting requirements, Health insurance | 2026-06-14 |
| Covers all risks in Austria | https://www.bmi.gv.at/312_en/04/start.html | General granting requirements, Health insurance | 2026-06-14 |
| Comprehensive (all risks) | https://www.bmi.gv.at/312_en/04/start.html | General granting requirements, Health insurance | 2026-06-14 |
| Travel insurance not accepted | https://www.bmi.gv.at/312_en/04/start.html | General granting requirements, Health insurance | 2026-06-14 |
Verified requirements (PASS/FAIL/UNKNOWN)
| Requirement | Status | Evidence |
|---|---|---|
| Insurance is mandatory | PASS | BMI general granting requirements |
| Covers all risks in Austria | PASS only for products documenting Austria coverage; UNKNOWN otherwise | “health insurance that covers all risks in Austria” |
| Comprehensive (all risks) | PASS for products documenting comprehensive cover; UNKNOWN otherwise | “covers all risks in Austria” |
| Travel insurance not accepted | RED for travel-medical products | “The presentation of a travel health insurance is not sufficient” |
How we evaluate
The checker compares each modeled requirement against product evidence. Four rules are encoded from the BMI page: insurance is mandatory, it must cover all risks in Austria, it must be comprehensive, and a travel health insurance is not sufficient. Travel-medical products are therefore marked RED. A comprehensive health policy that documents coverage in Austria is GREEN; products that do not document Austria coverage stay UNKNOWN rather than being assumed valid. This follows the UNKNOWN > Wrong principle.
A scope note, disclosed rather than over-modeled: this health-insurance condition is a general granting requirement, and the source lists several exempt permit types (Red-White-Red card, EU Blue Card, researchers, students, ICT workers, cross-border workers). Confirm your specific permit type before relying on this route. See /methodology/ for the full logic.
Proof package checklist
- A comprehensive health insurance policy documented to cover all risks in Austria.
- Not a travel health insurance, which the Ministry states is not sufficient.
- Confirmation of whether your permit type is exempt from this requirement.
FAQ
Q: What is required?
A: Health insurance covering all risks in Austria; travel insurance is not sufficient (Source: AT_RESIDENCE_BMI_2026; verified 2026-06-14).
Q: Why are travel products RED? A: The Ministry states travel health insurance is not sufficient, so the engine marks travel-medical products RED.
Q: Does it apply to every permit? A: It is a general requirement with several exempt permit types; confirm your category.
Check in the engine
Use the compliance checker with the current snapshot for this route:
Open Compliance CheckerRelated reading
- Austria residence permit requirements (route page)
- Digital nomad insurance in Europe
- How to read compliance results
Where to find compliant insurance for an Austrian residence permit
The requirement is a comprehensive health policy covering all risks in Austria, and travel insurance is explicitly not sufficient. In the current snapshot, Genki Native shows GREEN: it documents global comprehensive coverage that includes Austria. SafetyWing and World Nomads show RED because they are travel-medical products, which the Ministry states are not sufficient. Confirm your permit type, since some are exempt.
- Genki Native — paid link. We may earn a commission if you purchase through this link.
Affiliate disclosure: the Genki link above is an affiliate link; we may earn a commission at no extra cost to you, and it does not change the evidence-based compliance result. See affiliate disclosure.
Use the compliance checker to confirm the current GREEN products for this route before you buy.
Disclaimer + Affiliate disclosure
Not legal advice. Compliance results are evidence-based snapshots.
If an affiliate link is present, it appears only after results and does not change the compliance outcome. The Genki link above is a paid affiliate link.
Last updated: 2026-06-14
Evidence log
- Source: AT_RESIDENCE_BMI_2026