INSURED COLLECTIVELY Social Security in Austria - Wirtschaftsmuseum
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INSURED
COLLECTIVELY
Social Security in Austria
An information of the Österreichisches
Gesellschafts- und Wirtschaftsmuseum
on behalf of Dachverband
der Sozialversicherungsträger
SOCIAL INSURANCE IN AUSTRIA 4–5 PRINCIPLES OF SOCIAL INSURANCE IN AUSTRIA 6 – 11 SOCIAL HEALTH INSURANCE 12 – 14 SOCIAL ACCIDENT INSURANCE 15 – 16 SOCIAL RETIREMENT INSURANCE 17 – 19 E-CARD 20 – 21 SOCIAL INSURANCE DIGITISATION STRATEGY 22 – 23 Legal Notifications © Media owner & publisher: Österreichisches Gesellschafts- und Wirtschaftsmuseum Vogelsanggasse 36, 1050 Wien 01 / 545 25 51 wirtschaftsmuseum@oegwm.ac.at www.wirtschaftsmuseum.at Produced on behalf of: Dachverband der Sozialversicherungsträger Kundmanngasse 21, 1030 Wien 01 / 711 32-1120 presse@sozialversicherung.at www.sozialversicherung.at ISBN: 978-3-902856-43-2 sv-erleben.at
SOCIAL INSURANCE IN AUSTRIA
The Social Safety Net
Social Insurance is a main pillar of the Austrian Social Safety Net and plays Austrian Social Insurances
a major part in maintaining social cohesion in our modern society. Its three
branches offer assistance and thorough protection in case of accidents, ÖGK AUVA PVA
illness and old age. Austrian Health Public Accident Retirement Insurance
Insurance Institute Insurance Institution Institution
9 regional offices 4 regional offices 9 regional offices
The three branches of Social Insurance
SVS
Health Accident Retirement Social Insurance Institution for self-employed persons
Insurance Insurance Insurance 9 regional offices
BVAEB
Social Insurance Institution for civil servants, railway workers and miners
7 regional offices
covers approx. covers approx. covers approx.
8.8 mln. people1) 6.0 mln. people 6.2 mln. people
in case of illness in case of for old age, Self-Government
or maternity work-related surviving dependants
accidents or and disability Social Insurance in Austria is organized according to the principle of
occupational diseases Self-Government. The state transfers certain administrative tasks and
responsibilities to those groups that are directly affected.
1)
8.9 mln. people including citizens residing abroad.
Apart from Social Insurance, the Austrian Social Safety Net also covers Workers / Employees from e.g.:
Unemployment Insurance, social benefits (family benefits, care allowance elect representatives
etc.) and social welfare / guaranteed minimum income.
These send
representatives /
Social spending in relation to GDP stakeholders
Self-employed / from e.g.: to the SV
Social spending 2018: 109.3 bn. Euro = 28.3 % of GDP
Employers
Retirement Insurance 11.2 % elect representatives
Health Insurance 5.0 %
Accident Insurance 0.4 %
Various social spending 11.7 %
109.3 bn. civil servant pensions, family benefits,
Euro unemployment insurance etc.
in total
Q.: Sozialversicherung, Statistik Austria, WIFO.
4 Social Insurance in Austria © Wirtschaftsmuseum © Wirtschaftsmuseum Social Insurance in Austria 5PRINCIPLES OF SOCIAL INSURANCE IN AUSTRIA
Solidarity The intergenerational agreement
Solidarity is an act of conscious consideration, based on the insight that An especially impressive kind of solidarity is the intergenerational agree-
we all rely on each other. Each person contributes according to their ment or contract. The intergenerational agreement is not a paper contract
capabilities without demanding anything in return. Solidarity keeps a but refers to a balance of interests between generations. Parents finance
society together. their children’s education; in return the children finance their parent’s retire-
ment once they have started their professional life. Currently approximately
19 % of the Austrian population is 65 years or older. There are as many
senior citizens as children and teenagers.
Solidarity is the premise
for Social Insurance
A functioning society contains all manners of solidary relationships.
Between healthy and ill people, between young and old people, between
single households and families, between high- and low-income earners etc.
Austrian population
by age 2019 1)
/ / = 100,000 people
Healthy insurants Ill insurants
Age People in total 8.9 mln.
65 + 1.7 mln.
Young insurants Old insurants
20 – 64 5.5 mln.
Singles / Childless Families with children
High income earners Low income earners
0 – 19 1.7 mln.
Q.: Statistik Austria. – 1) Sum of population at the beginning of the year.
6 Principles of Social Insurance in Austria © Wirtschaftsmuseum © Wirtschaftsmuseum Principles of Social Insurance in Austria 7Compulsory Insurance
A typical feature of the Austrian social security system is the Compulsory There are about 4.3 million people in employment in Austria. That is almost
Insurance, which includes almost all employed persons in the social half of all inhabitants. Employers are also obliged to make contributions for
security system. If a person is gainfully employed, there is Compulsory their employees.
Insurance which provides insurance cover. Social Insurance benefits are
mainly financed by „compulsory contributions“ paid by the employed and
their employers.
Dependent employee Employer
(Worker / Employee)
Working population in Austria 2018
PAY S LI P
annual average = 100,000 people
Gross salary EUR 2,200.00
4.3 mln. in total Social Insurance contributions Employee Employer
• Health Insurance (3.87 %)* EUR 85.14 (3.78 %)* EUR 83.16
• Retirement Insurance (10.25 %)* EUR 225.50 (12.55 %)* EUR 276.10
Dependent employees Self-employer
• Accident Insurance (0.00 %)* EUR 0.00 (1.20 %)* EUR 26.40
• Unemployment Insurance (3.00 %)* EUR 66.00 (3.00 %)* EUR 66.00
EUR 376.64 EUR 451.66
Chamber allocation (0.50 %)* EUR 11.00
Employees1) Housing subsidies (0.50 %)* EUR 11.00
2.6 mln. 0.5 mln.
Income tax EUR 212.38
Apprentices
0.1 mln. Net salary EUR 1,588.98 1)
Employee Employer
Social Insurance contributions Social Insurance contributions
Workers EUR 376.64 2) EUR 451.66 2)
1.1 mln.
Q.: BMSGPK, Statistik Austria. –
1)
incl. freelancers and civil servants: officials and contract staff. Q.: AK, BMF, ÖGB – *%-Information relating to gross salary.
1)
does not include „family bonus plus“,
2)
incl. Unemployment Insurance.
8 Principles of Social Insurance in Austria © Wirtschaftsmuseum © Wirtschaftsmuseum Principles of Social Insurance in Austria 9No Risk Selection Social security revenues and
In Austria, medical services are available to all socially insured persons expenditures 2018
regardless of their individual risk. Social and Private Insurance differ in
essential ways.
Revenues
• Social Insurance 64.2 bn. Euro
The Social Insurance may not refuse an insurant assigned to it by law.
• Private Insurance
Private Insurance can reject high risks (in the case of occupational
high risk of accidents, because of age, because of previous illnesses ...). Health
19.2 bn.
Insurance
Non-profit oriented
The Social Insurance institution is legally required to use contributions in Accident
a cost effective and expedient way. It pursues social rather than market- 1.7 bn.
Insurance
based objectives. Contributions
The social security system provides high-quality services for all insured from insured 52.7 bn.
persons. Of every 100 euros in premium income, about 98 euros are spent persons and
on benefits for the insured. employers
Comparison of administrative costs
The administrative costs of the Austrian social security system are very Retirement
43.1 bn.
low at around 2 % of total expenditure. In comparison, Private Insurance Insurance
companies require about 6 % (or 15 – 30 % with professional expenses)
of their total expenditure to cover their administrative costs.
Social Insurance Private Insurance Default liability
of the federal 6.8 bn.
2%
6% government
25 %1)
Other
4.7 bn.
revenues1)
Expenditures
63.9 bn. Euro
1)
Professional expenses (administrative
costs and professional expenses average
25% of total expenses) Q.: Sozialversicherung. –
1)
Replacements for compensatory allowances, other service charges, cost-sharing etc.
10 Principles of Social Insurance in Austria © Wirtschaftsmuseum © Wirtschaftsmuseum Principles of Social Insurance in Austria 11SOCIAL HEALTH INSURANCE
Protection in case of illness The costs of health
In Austria 99.9 % of the resident population are protected by Social Health The ever-increasing range of services and ever-improving medicines
Insurance. gradually increase expenses.
• Provisional care
• Illness Social Health Insurance expenditure 2018
• Remedies / Cures
• Maternity 4%3%
4% Hospitals
6% 28 % Doctors
Medicine
Distribution of protected persons 2018 12 %
19.2 bn. Miscellaneous1)
Euro Dentists
= 1 Person out of 100 (100 % = 8.8 mln. people) in total Sickness benefits
Maternity benefits
19 % Administrative expenses
Employed and 47 24 %
voluntarily Q.: Sozialversicherung.
insured persons Rehabilitation benefits, medical
1)
rehabilitation, health consolidation and
prevention of illness, transport costs,
depreciation, etc.
Retirees 25
The largest expenditures
of Social Health Insurance
= 1 bn. Euro
Relatives 22
Medical Institutional Administrative
assistance care Remedies expenses
Others 6 1995
Q.: Sozialversicherung. 2005
With an average monthly contribution of 83 euros, the insured person and 2015
his / her relatives enjoy comprehensive protection (care by doctors in
private practice, hospitalisation, etc.). Around 22 % of protected persons 2018
are relatives who are co-insured free of charge.
Q.: Sozialversicherung.
Whereas the cost of medical assistance has more than doubled in the
last 20 years, the administrative and billing costs have remained relatively
constant.
12 Social Health Insurance © Wirtschaftsmuseum © Wirtschaftsmuseum Social Health Insurance 13SOCIAL ACCIDENT INSURANCE
Services of the Social Health Insurance The benefits of the
The progress in medical services is enormous. However, new technologies Social Accident Insurance
and increasingly effective drugs are not the only answers to new challenges The Social Accident Insurance covers employed and self-employed
and higher demands in the health care system and to demographic changes. persons, pupils and students as well as five-year-old kindergarten children.
Provisional health care and health promotion are becoming increasingly The total number of people insured against accidents averages 6.0 million
important. in 2018.
Accidents connected with their education lead to compensation from
Preventive examinations the Social Accident Insurance: e.g. accidents on the way to school, during
participation in lessons, during excursions and on skiing courses. No
• Adolescent examinations contributions are collected from the insured pupils and students.
The eligible recipients are all compulsorily insured young people
up to the age of 18. • Prevention of accidents at work and occupational diseases
• Occupational medical care
• Preventive (health) check-ups • Accident treatment
Insurants and their relatives are entitled to an examination once a year • Rehabilitation
from the age of 18. In 2018, over 1.2 million preventive medical • Compensation after accidents at work and occupational diseases
check-ups were carried out. e.g. disability pension, survivors‘ benefits, integrity compensation
Percentage of 15-year-olds who... Total claims
recognised by AUVA; figures rounded
... engage in intensive physical activity for at least 2 hours a week
Employees
54 % Schoolchildren and students
74 % 136,000
... eat fruit and vegetables daily 107,000 108,000
30 %
22 %
63,000
53,000 54,000
... do not smoke daily
91 %
90 %
2008 2013 2018
Q.: BMSGPK.
Q.: AUVA.
14 Social Health Insurance © Wirtschaftsmuseum © Wirtschaftsmuseum Social Accident Insurance 15SOCIAL RETIREMENT INSURANCE
Financing Social Accident Insurance
Approximately 4 million employees are covered by Retirement Insurance.
96.7 % are financed by employer contributions and 3.3 % by other
Every month, about 2.4 million pensions are paid out to 2.1 million people.
revenues (federal government and family equalisation fund).
The Social Pension Insurance is by far the most important old-age provision
in Austria. It ensures that the standard of living in old age is extensively
secured.
Accident Insurance expenditure 2018
Pension expense
6%5%
Accident treatment
Pension beneficiaries and pensions
8% Almost 3.5 million out of 4 million pension policyholders (insurance
39 % Other expenditure1)
1.7 bn. relationships) are employed persons.
Euro Administrative burden
13 %
in total Rehabilitation
Accident prevention and first aid 5 Pension policyholders
Pensions
Q.: Sozialversicherung. – 1) Subsidies for continued
29 % remuneration, payment fees, depreciation, etc. 4 4.1
3.5
3 3.1
Prevention, i.e. the prevention and avoidance of accidents at work and 2.8
occupational diseases, is the most important aspect of Accident Insurance. 2.2 2.4
2 1.9
Every year, about 650,000 accident victims receive medical care in Austria. 1.7
After serious injuries, further treatments are often necessary. These range 1
from remedies to rehabilitation measures and financial support.
0
1988 1998 2008 2018
Development of Disability pensions Q.: Sozialversicherung.
and Survivors‘ pensions
December figures
Pensions by pension type
105,596 all pensions as of December 2018
100,000 101,209
94,808
16,930 15,291 2% 2%
80,000 13,500 Suvivors’
pensions
6% 1,714,021 Retirement pensions1)
60,000
404,488 Widow‘s pensions
40,000 152,941 Disability pensions2)
88,666 85,918 81,308 Disability 17 %
2.5 mln. 47,045 Orphan pensions
pensions
20,000 pensions 45,086 Widower’s pension
in total
0 Q.: Sozialversicherung. –
73 % 1)
incl. disability, occupational (incapacity to
2008 2013 2018 work)-pensions from the 60th / 65th year of age
2)
Invalidity, occupational (disability) pensions prior
Q.: Sozialversicherung. to the 60th / 65th year of age
16 Social Accident Insurance © Wirtschaftsmuseum © Wirtschaftsmuseum Social Retirement Insurance 17The benefits of the Social Pension Insurance Funding of pensions
• Payment of pensions in the event of Rising life expectancy and low birth rates are changing the age composition
— old age of the population. The resulting challenges to the pension system can
— death: widows‘, widowers‘ and orphans‘ pensions be overcome if timely reforms are implemented to adapt to the changed
(survivors‘ pensions) structures.
— reduced capacity to work: invalidity and occupational or
disability pensions before the age of 60 or 65
— long-term insurance Population pyramid
• Rehabilitation measures 2010 Forecast 2060
• Measures of preventive health care
The total expenditure of Social Pension Insurance in 2018 amounted to Age
>
approximately 43.1 billion euro.
100
Financing Social Pension Insurance – 90
the pay-as-you-go system
80
The pensions paid out are largely financed directly by the contributions paid
by the working population. In addition, there is the federal contribution
from general tax revenues. In 2018, the so-called „Deficiency liability of the 70
Federal Government“ amounted to approximately 7 billion euros.
60
The pay-as-you-go system:
• has no investment and inflation risk
• is financed by contributions - fixed percentage of gross income 50
• strengthens the sense of solidarity
• has a low administrative burden 40
The pension burden ratio 30
1000 employees paying pension insurance cover ... pensions.
20
619
579
522
10
0
80 60 40 20 0 0 20 40 60 80
1980 2000 2018 < Persons in thousands per age >
Q.: Sozialversicherung. Q.: Statistik Austria.
18 Social Retirement Insurance © Wirtschaftsmuseum © Wirtschaftsmuseum Social Retirement Insurance 19E-CARD
The e-card: key to the healthcare system How your photo gets on the e-card
The e-card is the personal key of each insured person to the Austrian Since 1. 1. 2020, every newly issued e-card for persons aged 14 and over
health system and enables access to the electronic health file (ELGA). No must include a photograph of the insured person.
medical data is stored on the card itself; it opens secure access to data and
services in the e-card system. These include the digital illness and recovery
notification and electronic assignment among others. By inserting the You have an ...
e-card medical professionals can confirm health insurance cover or other • Austrian passport or
ongoing medical treatments. • Austrian identity card or
• Austrian driving licence or
• Residence permit, alien‘s passport, convention passport
or any other document from the Register of Foreigners?
You don‘t have to do anything – your new e-card with
photo will arrive in time before the old one expires, at the
latest by the end of 2023.
If you have none of these documents ...
You need to bring a passport photo to the local authority
responsible for you 3 – 4 months before your e-card expires.
You can find the expiry date on the blue back of your e-card.
Exceptions
• Children under the age of 14
will continue to receive an e-card without a photo –
regardless of whether a photo from one of the registers is available.
• Persons of the age of 70 and care level 4 and above
are exempt from the photo obligation. If a photo from one of the
On the back of the e-card is the European Health Insurance Card (EKVK). above-mentioned documents is available, it is placed on the e-card.
The EKVK is a verification of insurance in the member states of the If no photo is available, an e-card without a photo will be issued.
European Union and in some other states with which Austria has signed However, these persons can voluntarily bring a photo for the e-card.
an agreement.
Further information:
www.chipkarte.at/foto
20 E-Card © Wirtschaftsmuseum © Wirtschaftsmuseum E-Card 21SOCIAL INSURANCE DIGITISATION STRATEGY
Examples of IT-projects Overview of IT-projects
The digitisation strategy of the Austrian social security system is diverse.
The “Austrian Social Insurances” is the central coordinator of numerous • Identity verification
IT-projects.
e-card
Implementation of the e-card with photo
• My SV – The social security service portal
With the social security service portal at www.meineSV.at,
insured persons can take care of many things online: • Organisation
— Check insurance periods.
— View doctor‘s visits and treatments.
— View personal pension account.
— Submit bills from preferred physicians.
— And much more.
MeineSV ELGA e-Medikation
Digital online Digital health All medications
service portal record at a glance
• ELGA – Electronic health record and e-medication
ELGA provides a better overview of health data and medicines
prescribed and dispensed in pharmacies – for treating physicians,
hospitals, nursing homes, pharmacies and above all for the patients
themselves:
eKOS mBGM
— ELGA findings are available independent of time and location.
Electronic communication Monthly contribution
— Undesirable drug interactions can be avoided.
service (e-assignment) base notification
— Patients can view their ELGA results and their e-medication list
via the ELGA portal www.gesundheit.gv.at.
• Information
• 1450 – Health advice by telephone
— Telephone health advice for sudden health problems.
— Covers all of Austria, around the clock, seven days a week and
Therapie Aktiv
free of charge.
MedBusters Care and therapy 1450
— A specially medically trained and qualified nurse advises directly
The app for plan for type 2 Health advice
on the phone, gives a suitable recommendation and can also
healthy knowledge diabetics by telephone
immediately send the emergency service (with / without emergency
doctor).
• Innovative treatment methods
AI
Implementation of artificial intelligence
22 Social Insurance Digitisation Strategy © Wirtschaftsmuseum © Wirtschaftsmuseum Social Insurance Digitisation Strategy 23AUSTRIAN SOCIAL SECURITY IN EUROPE
Social security and health care system
in the European context
The cross-border mobility of insured persons is constantly increasing.
People study, work, live and go on holiday in other European countries.
In order to maintain the high quality of care, social security must
increasingly be thought of as Europe-wide.
70,000
insured Austrians
work in other European countries
annually
115,000
medical treatments
of Austrian insurants
in Europe per year
1,900
accident annuities 182,000
per year to Austrian benefit
recipients in Europe pensions
per year to Austrian
benefit recipients
in Europe
Q.: Sozialversicherung. – Reference period 2018 for EU and EEA countries.You can also read
