Insurance Follows the Job, Not the Passport, and Anyone Else With a Residence Here Can Buy In
Answer
The general rule applies to you
No exception is recorded for citizens of Cuba on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
127 exceptions recorded across 48 countries · none match Cuba to Austria · Access to healthcare
Austrian health insurance attaches to employment. Section 4(1) of the Allgemeines Sozialversicherungsgesetz makes employees fully insured for sickness, accident and pension by force of the statute, with no mention of nationality anywhere in the provision: the trigger is the employment relationship. Someone not compulsorily insured can self-insure under § 16(1), and the only condition that section states is a residence in Austria. Dependants are covered without a contribution of their own under § 123, on two conditions: habitual abode in Austria, and not being insured in their own right. Separately, comprehensive insurance that actually pays in Austria is a condition of almost every residence title, so for most people the cover has to be arranged before the permit rather than after arrival.
At a glance
- What triggers compulsory insurance
- Employment, by force of the statute
ASVG § 4 Abs. 1 Z 1 names employees of one or more employers; the section states no nationality or residence condition.
- Self-insurance
- Open to anyone not compulsorily insured, so long as their residence is in Austria
ASVG § 16 Abs. 1, which states that one condition and no other.
- When self-insurance starts
- Immediately after earlier cover ends, if applied for within six weeks
ASVG § 16 Abs. 3 Z 1; otherwise from the day after the application, and after a 60-month wait in the cases of Z 2.
- Dependants
- Covered without their own contribution, on habitual abode in Austria and not being insured in their own right
ASVG § 123 Abs. 1 Z 1 and 2.
- Who counts as a dependant
- Spouse or registered partner, children and adopted children; stepchildren and grandchildren in a permanent shared household
ASVG § 123 Abs. 2.
- Insurance as a condition of residence
- Cover for all risks, and the insurer must be liable to pay in Austria
NAG § 11 Abs. 2 Z 3, a condition of nearly every title in the Act.
- Nationality
- Not a condition in ASVG § 4, § 16 or § 123
All three sections were read in full; the conditions they state are employment, residence and habitual abode.
Requirements
- Employment in Austria, which brings compulsory insurance by force of the statute, or
- A residence in Austria and an application to self-insure, or
- Being a dependant of an insured person, with habitual abode in Austria and no insurance of your own
Country-level policy
Part 1 of the Niederlassungs- und Aufenthaltsgesetz carries a set of conditions that nearly every title in the Act imports by reference. Section 11(2) requires that the stay does not conflict with the public interest, that the applicant has a legal claim to accommodation regarded as usual for a comparable family, that they hold health insurance covering all risks under a policy liable to pay in Austria, and that the stay could not lead to a financial burden on a public body. Section 11(5) then defines that last condition in money: fixed and regular income of one's own, enough to live without social assistance and at the level of the reference rates in section 293 of the ASVG - reduced by rent, loan repayments, attachments and maintenance paid to people outside the household. Some titles disapply parts of this. The Rot-Weiss-Rot Karte drops the accommodation and public-funds conditions; the student permit drops accommodation.
What applies to you
Nothing changes for a citizen of Cuba
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«In der Kranken-, Unfall- und Pensionsversicherung sind auf Grund dieses Bundesgesetzes versichert (vollversichert), wenn die betreffende Beschäftigung weder gemäß den §§ 5 und 6 von der Vollversicherung ausgenommen ist, noch nach § 7 nur eine Teilversicherung begründet:»The lead-in to compulsory full insurance, and the two Acts' worth of exceptions it defers to. The trigger is the employment, not the person.
Read it at the sourceAbout this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
«die bei einem oder mehreren Dienstgebern beschäftigten Dienstnehmer;»The first and widest category: employees of one or more employers.
Read it at the sourceAbout this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
«Personen, die nicht in einer gesetzlichen Krankenversicherung pflichtversichert sind, können sich, solange ihr Wohnsitz im Inland gelegen ist, in der Krankenversicherung auf Antrag selbstversichern.»Self-insurance in health insurance. Two conditions only: not being compulsorily insured, and having a residence in Austria.
Read it at the sourceAbout this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
«unmittelbar im Anschluß an die Krankenversicherung oder Anspruchsberechtigung in der Krankenversicherung nach diesem oder einem anderen Bundesgesetz, mit Ausnahme des GSVG und des BSVG, wenn der Antrag binnen sechs Wochen nach dem Ende der Versicherung oder Anspruchsberechtigung gestellt wird,»The six-week window that makes self-insurance follow on without a gap.
Read it at the sourceAbout this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
«Anspruch auf die Leistungen der Krankenversicherung besteht für Angehörige, - 1. Ziffer eins wenn sie ihren gewöhnlichen Aufenthalt im Inland haben und - 2. Ziffer 2 wenn sie weder nach der Vorschrift dieses Bundesgesetzes noch nach anderer gesetzlicher Vorschrift krankenversichert sind und auch für sie seitens einer Krankenfürsorgeeinrichtung eines öffentlich-rechtlichen Dienstgebers Krankenfürsorge nicht vorgesehen ist.»Cover for dependants. Habitual abode in Austria, and no insurance of their own - and nothing about where they are from.
Read it at the sourceAbout this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
«Aufenthaltstitel dürfen einem Fremden nur erteilt werden, wenn - 1. Ziffer eins der Aufenthalt des Fremden nicht öffentlichen Interessen widerstreitet; - 2. Ziffer 2 der Fremde einen Rechtsanspruch auf eine Unterkunft nachweist, die für eine vergleichbar große Familie als ortsüblich angesehen wird; - 3. Ziffer 3 der Fremde über einen alle Risken abdeckenden Krankenversicherungsschutz verfügt und diese Versicherung in Österreich auch leistungspflichtig ist; - 4. Ziffer 4 der Aufenthalt des Fremden zu keiner finanziellen Belastung einer Gebietskörperschaft führen könnte;»Why the insurance has to be arranged before the permit. The condition is cover for all risks under a policy that is liable to pay in Austria.
Read it at the sourceAbout this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
Practical notes
The self-insurance contribution is not stated here. It is fixed by the Österreichische Gesundheitskasse under provisions of the ASVG that were not read for this record.
Self-insurance after leaving compulsory cover in the self-employed or farmers' schemes is subject to a 60-month wait under § 16 Abs. 3 Z 2, which is easy to miss and changes the planning entirely.
Coordination of social security across the Union is done by Regulation (EC) No 883/2004, which is not read here. Someone moving from another Member State may be insured on a basis this record does not describe.
- consolidatesAllgemeines Sozialversicherungsgesetz § 4, consolidated text as at 10 October 2026
Rechtsinformationssystem des Bundes, Bundeskanzleramt · consolidated to 2026-10-10
Known to be out of date. A RIS consolidation is not authentic. The authentic text is the one published in the Bundesgesetzblatt, and RIS prints each provision twice on the same page - once with its abbreviations and once with them spelled out - so a quotation is taken from one of the two renderings.
About this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
- consolidatesAllgemeines Sozialversicherungsgesetz § 16, consolidated text as at 10 October 2026
Rechtsinformationssystem des Bundes, Bundeskanzleramt · consolidated to 2026-10-10
Known to be out of date. A RIS consolidation is not authentic. The authentic text is the one published in the Bundesgesetzblatt, and RIS prints each provision twice on the same page - once with its abbreviations and once with them spelled out - so a quotation is taken from one of the two renderings.
About this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source
- consolidatesAllgemeines Sozialversicherungsgesetz § 123, consolidated text as at 10 October 2026
Rechtsinformationssystem des Bundes, Bundeskanzleramt · consolidated to 2026-10-10
Known to be out of date. A RIS consolidation is not authentic. The authentic text is the one published in the Bundesgesetzblatt, and RIS prints each provision twice on the same page - once with its abbreviations and once with them spelled out - so a quotation is taken from one of the two renderings.
About this source
Austria's consolidated federal law, served from ris.bka.gv.at at two stable address forms. A whole law is GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=<n>, and a single provision is NormDokument.wxe with the same Gesetzesnummer plus &Paragraf=<n>. The whole-law page prints its own date on its face as "Fassung vom <dd.mm.yyyy>", generated on request, so the consolidation date is whatever day you read it; the single-provision page says "tagesaktuelle Fassung" instead and adds the list of every earlier version of that provision with the amending BGBl number. Each law's front matter lists every amending act in order. There is a companion OGD search interface at data.bka.gv.at/ris/api/v2.6/Bundesrecht which returns the Gesetzesnummer for a title and is how an instrument is located rather than guessed at.
Standing: Maintains the text in force
Cannot be cited for: The consolidations are unofficial: the authentic text is the one published in the Bundesgesetzblatt, and for that the BgblAuth collection is the source, not this one. Every provision is rendered twice on the same page - once with its abbreviations ("§ 53 Abs. 2 Z 5") and once with them spelled out ("Paragraph 53, Absatz 2, Ziffer 5,") - which is an accessibility rendering and not a drafting feature, so a quotation that spans the join will contain the same sentence twice and a quotation must be taken from one rendering. Numbered list items carry the same doubling ("- 1. Ziffer eins"), so a quotation crossing an item boundary carries that furniture with it. It may not be cited for Land law at all: the nine Laender publish separately, and naturalisation fees and much of what a resident actually meets are Land matters. It carries no case law; that is a different RIS application (Judikatur) not read here. A Verordnung is only here if it is in force today - a Gesetzesnummer whose ordinance has expired answers GeltendeFassung with a 404, which looks exactly like an address that never existed.
We re-read it every 60 days. More about this source