This article is the third in a 9-week series about the RWR+ Card application process.
Click here to find the first blog post “What is the RWR+ Card for Ukrainians and why does it matter?”
and second blog post “Who Can Apply for the RWR+ Card?”
Insurance For The RWR+ Card: What You Must Know
If you are a Ukrainian applying for the RWR+ Card, one key requirement is full insurance coverage in Austria.
Many applicants are unsure:
- What type of insurance is required?
- How do I prove I’ve been fully insured for 12 months?
- What if I don’t have a job yet?
Why Austrian Insurance Is Crucial For The RWR+ Card
To qualify for the RWR+ Card, you must prove that you have had full insurance coverage in Austria for at least 12 months within the last 24 months.
This insurance must be:
- Austrian employment insurance (through employment or self-employment)
- Full insurance coverage (= health, accident, and pension insurance)
- Active for at least 12 months before applying
How To Get Fully Insured?
A) If You Are Employed
If you have a job above the minimum salary threshold, your employer will automatically register you for Austria’s social insurance system (ÖGK – Österreichische Gesundheitskasse).
You are fully insured if your salary is above:
- 2024: €518.44/month (more than “geringfügig”)
- 2025: €551.10/month
If you are not insured yet:
- Make sure your employer registers you immediately, as your insurance time must be complete when applying for the RWR+ Card.
How to check your insurance status?
- Log in to your ÖGK account
- Request a proof of insurance
- If unsure, ask mypaperwork.ai for guidance
B) If You Are Self-employed
Self-employed individuals must register with the SVS (Sozialversicherung der Selbstständigen) to get full health insurance.
✅ You have to get yourself fully insured if your income is above:
- 2024: €6,221.28/year
- 2025: €6,613.20/year
If you are not insured yet:
- Register with SVS as soon as possible
- Ensure your insurance covers at least 12 months before applying
- Request your insurance statement for verification
How to check your insurance status?
- Log in to your SVS account
- Request a proof of insurance
- Upload your documents to mypaperwork.ai to track your progress
C) What If You’re Not Insured Yet?
If you are not yet insured because you don’t have a job or haven’t registered as self-employed, you must act now.
- Find a job and ensure your employer registers you
- Register as self-employed and meet the minimum earnings requirement
- Make sure you have at least 12 months of coverage before applying
Good to know:
Your insurance records must be complete when submitting your application to Austrian authorities. The AMS (Austrian Public Employment Service) will verify your insurance history when processing your RWR+ Card.
How Mypaperwork.ai Helps
Applying for the RWR+ Card can feel overwhelming, but mypaperwork.ai makes it easier:
- Insurance Check – Find out if your coverage qualifie
- Document Upload – Store and submit your proof of insurance easily
- Guidance on Missing Documents – Learn where to get missing records
Start preparing today! Upload your insurance documents to mypaperwork.ai and stay on track for your RWR+ Card.
Your Next Steps
Check your insurance status today:
- Are you already registered?
- Does your salary or self-employment income meet the minimum?
- Do you have at least 12 months of coverage?
If not, take action now to meet the requirements.
🚀 Let’s make your RWR+ Card application easy!
- Sign up for mypaperwork.ai for step-by-step guidance.
- Follow us on Instagram & LinkedIn for the latest updates!
Your future in Austria starts with the right insurance.
Take the right steps now, and mypaperwork.ai will support you along the way! 🚀
Ready To Start The Journey?
Your path to the RWR+ Card begins today. Join our weekly Advisory Sessions every Thursday to get your questions answered and become an early backer of mypaperwork.ai to help shape a tool that truly serves your needs.
Book a free Thursday consultation (sign-up for an advisory session right now!)
Together, we’ll make the RWR+ Card application process clear and achievable.
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