Do I get the subsidy without a diagnosis?

No. Insurers only refund for a mental disorder of clinical relevance (ICD-10). Pure life coaching is not covered.

Who makes the diagnosis and do I need to see a doctor?

Your therapist makes the psychotherapeutic diagnosis. In addition, a medical examination is required before the 2nd session to rule out physical causes; the doctor (GP, psychiatrist, etc.) only confirms that treatment is needed, they do not make the psychotherapeutic diagnosis.

How much does my insurance refund per session?

ÖGK 33.70 €, BVAEB 50.20 €, SVS 50.00 €, KFA around 39.00 € per individual session (as of 2026).

What is my out-of-pocket share per session?

At around 110 € per session, roughly 60 to 76 € depending on your insurer. Social rates lower it further.

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What does therapy really cost you?

A psychotherapy session in Austria costs around 90 to 130 euros, but your insurance pays part of it back. Pick your fund and price to see your real out-of-pocket share.

Your health insurance

Therapist (optional)

Price per session€ 110

Number of sessions10

Insurance refunds

€ 33,70

per session

Your share

€ 76,30

per session

Calculated over 10 sessions

You pay first

€ 1.100

Insurance refunds

€ 337

You pay

€ 763

Requirements: a psychotherapeutic diagnosis of clinical relevance (made by your therapist) plus a medical examination before the 2nd session that rules out physical causes (GP, psychiatrist, etc.). The first 10 sessions need no approval, from the 11th onwards they do.

Find a therapist for your insurance

Amounts as of 2026 (ÖGK, BVAEB, SVS, KFA), without guarantee. KFA subsidies vary by institution (around 37 to 45 €). Your insurer's information is binding.

Frequently asked

Do I get the subsidy without a diagnosis?: No. Insurers only refund for a mental disorder of clinical relevance (ICD-10). Pure life coaching is not covered.
Who makes the diagnosis and do I need to see a doctor?: Your therapist makes the psychotherapeutic diagnosis. In addition, a medical examination is required before the 2nd session to rule out physical causes; the doctor (GP, psychiatrist, etc.) only confirms that treatment is needed, they do not make the psychotherapeutic diagnosis.
How much does my insurance refund per session?: ÖGK 33.70 €, BVAEB 50.20 €, SVS 50.00 €, KFA around 39.00 € per individual session (as of 2026).
What is my out-of-pocket share per session?: At around 110 € per session, roughly 60 to 76 € depending on your insurer. Social rates lower it further.
Do I need approval for every session?: No. The first 10 sessions need no approval; from the 11th onwards you do.

Want the full picture?

Read how the cost subsidy works, who is entitled and what alternatives exist when a fully covered spot is hard to get.

Cost of psychotherapy in Austria

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