Doctors – Professional liability insurance
These rules apply to all EU citizens in Austria.
In Austria, freelance doctors (practising doctors and resident physicians) and group practices must take out compulsory professional liability insurance.
Resident physicians are those who perform a recurrent medical activity requiring neither a place of practice nor an employment relationship, for example on a work contract or fee basis (e.g. school or company doctor, emergency medical service) or as an expert.
- Statutory liability insurance must cover a minimum insured sum of two million Euro for each insured event resulting from the practice of a medical profession.
- In the case of a group practice in the legal form of a GmbH, the limit of liability per annual insurance period amounts to five times the minimum insured sum, or three times that amount in the case of other freelance activities; this applies equally to personal injuries, material damages and (purely) financial losses.
The Austrian Medical Association has concluded a framework agreement with the Association of Austrian Insurance Providers concerning professional medical liability insurance. By law and under the framework agreement, all medical liability insurance policies for freelance doctors and group practices must contain certain minimum conditions of insurance.
Temporary provision of services in Austria
Citizens of an EU or EEA Member State or Switzerland who legally practice a medical occupation in one of these countries may carry out medical activities in Austria from their foreign place of business or employment as part of the principle of freedom to provide services.
A service is deemed to be provided within the meaning of the principle of freedom to provide services if the medical activity is performed in a temporary and occasional manner. This requires a temporary residence in Austria. However, proof must be provided to the Austrian Medical Association of suitable professional liability insurance, amongst other things, before those services are provided for the first time in Austria.
responsible for content: Federal Ministry of Social Affairs, Health, Care and Consumer Protection