Insurance medicine in Austria

In Austria a number of insurance companies working in system of obligatory medical insurance and service certain categories of citizens. Like HMOs, they have contracts with hospitals and doctors. In recent years there has been a trend towards insurance companies private medical centers, which improves the control over the quality of medical care.
Insurance companies don’t cover all the medical costs. About 14% of the value of the insured pay themselves. Patients also pay part of the cost of drugs.
The owner of the insurance policy has the right to choose the doctor, but only among those who work under contract with the insurance company. If the patient insists on treatment of the «non-Treaty» doctor, the insurance policy will cover only 80% of the required amount, and then only if the treatment method is not beyond the scope of conventional medicine. Unconventional therapies were excluded from the list of services of the insurance company.

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