Find a health insurance office in Graz
Graz, Austria's second-largest city and the capital of Styria, hosts 31 verified health insurance offices in PillsCard's directory, serving roughly 300,000 residents plus a substantial student population drawn to the University of Graz, TU Graz, and the Medical University of Graz. Offices cluster in the Innere Stadt around Herrengasse and Jakominiplatz, with a secondary concentration in Geidorf near the university quarter and along the Reininghauspark redevelopment in Eggenberg. The mix reflects Styria's regional role: statutory-fund service points sit alongside private carriers handling supplementary cover, cross-border commuters from Slovenia, and expatriate researchers at the Styrian tech and life-sciences hubs. Waiting times for in-person appointments are generally shorter than in Vienna, and most offices operate weekday-only hours.
The Graz market is fragmented rather than dominated by one chain, with statutory and private players operating in parallel. Statutory representation is anchored by the BVAEB Landesstelle für Steiermark, which serves civil servants and railway staff, while ÖGK service points handle the general workforce. Private and supplementary cover is competitive: Merkur Versicherung, headquartered in Graz on Conrad-von-Hötzendorf-Straße, has a strong home-market presence, and Generali's Landesdirektion Steiermark and GRAWE's Kundencenter at Reininghauspark cover broader property-and-health portfolios. ERGO Versicherung's Kundenzentrum on Conrad-von-Hötzendorf-Straße doubles as a vehicle registration point, and independent brokers such as Versicherungsbüro Fasch and EFS handle multi-carrier advisory work for households and small businesses across the districts.
Pricing & coverage
Most statutory services are free at the point of use for ÖGK-insured residents, including GP visits and referrals to contracted specialists. Supplementary private policies in Graz typically run EUR 40-120 per month for hospital top-up cover (Sonderklasse), EUR 20-60 for outpatient add-ons, and EUR 15-45 for dental supplements. Out-of-pocket examples where cover is partial: private specialist consultation EUR 90-180, physiotherapy session EUR 55-85, routine dental check-up EUR 40-70. E-card holders from other EU states receive equivalent statutory treatment. Pharmaceutical pricing and reimbursement categories are set nationally and published by the regulator BASG/AGES; the prescription charge (Rezeptgebühr) is EUR 7.55 per item in 2026.
Emergencies & out-of-hours care
For life-threatening emergencies dial 144 for ambulance or the pan-European 112. The LKH-Universitätsklinikum Graz on Auenbruggerplatz is the main teaching hospital and the primary receiving centre for major medical and trauma cases, with a 24-hour Zentrale Notaufnahme. For after-hours GP-level problems, the Ärztefunkdienst Graz operates evenings, weekends, and public holidays on 141 and will dispatch a duty doctor or advise attendance. Pharmacies rotate a Nacht- und Bereitschaftsdienst; the current duty roster is posted at every pharmacy window and on apo.at. Insurance offices themselves do not handle clinical emergencies.
Frequently asked questions
Safety note
This directory is informational only and is not medical advice. For individual clinical decisions or questions about specific policy coverage, consult a licensed health insurance office, your treating physician, or your statutory fund directly.