SVS

What SVS does

SVS (Sozialversicherung der Selbständigen) is Austria's statutory social insurance institution for self-employed persons, providing mandatory health, pension, accident, and long-term care insurance coverage. The organization serves approximately 1.3 million insured individuals across three primary segments: tradespeople (Gewerbetreibende), newly self-employed persons (Neue Selbständige), and farmers (Bauern), plus dependent family members. SVS operates as a public-law entity under Austrian social security law, with contribution rates and benefit structures set by statute rather than market pricing. Headquartered in Vienna with approximately 3,000 employees and nine regional offices covering all Austrian federal states, SVS delivers service through a hybrid physical-digital model.

The company's core product platform is svsGO, a digital self-service portal with a companion mobile app that provides e-card functionality on smartphones, secure messaging with SVS, online contribution account access, digital invoice submission for reimbursement, electronic prescription (e-Rezept) management, and a preventive care passport (SVS-Vorsorgepass). Beyond core insurance administration, SVS operates a broad portfolio of wellness and incentive programs including health weeks, activity camps, women's health days, a caregiver support program (Gemeinsame Pflegeauszeit), and financial bonus schemes (Gesundheitshunderter, Sicherheitshunderter) that reward preventive health and workplace safety behaviors. Supplementary insurance options allow voluntary coverage above statutory minimums in health, pension, and accident branches.

SVS's business model is statutory contribution-based: revenue flows from mandatory social insurance contributions calculated on insured members' income, regulated by Austrian law rather than commercial pricing. Distribution is direct to the mandatory membership, supplemented by contracted healthcare providers across Austria. As a public statutory institution, SVS is not a commercial enterprise — it has no funding rounds, no private shareholders, and no publicly disclosed revenue figures. Its strategic agenda centers on digital modernization of member services, preventive health engagement, and administrative efficiency within a fixed regulatory perimeter.

Name

SVS

Legal name

Sozialversicherung der Selbständigen

Website

https://svs.at

Company type

Public

Founded year

2020

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

SVS is Austria's statutory social insurance institution for self-employed persons, providing mandatory health, pension, accident, and care insurance to approximately 1.3 million tradespeople, new self-employed, and farmers through its svsGO digital platform and nine regional offices.

Ownership category

akta.pro rank

Product category

Statutory Social Insurance

NAICS

Health and Welfare Funds (525120), Direct Health and Medical Insurance Carriers (524114), Social Assistance (624)

SIC

Services-Social Services (8300), Services-Health Services (8000), Life Insurance (6311)

akta.pro primary industry

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Basic Group Term Life (Employer-Paid) (FSAIADAA), Group Life Administration/Enrollment Platforms (TPA & Benefits Admin) (FSAIADAJ)

Keywords

• Social insurance
• Health insurance
• Pension insurance
• Accident insurance
• Statutory benefits

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Others

Revenue model

1. Social Insurance Contributions: SVS collects mandatory social insurance contributions from self-employed persons (tradespeople, farmers, newly self-employed). Contributions are calculated based on income and cover health, pension, accident, and care insurance. As a statutory insurance institution, revenue is regulated and contributions are set by Austrian law.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

SVS (Sozialversicherung der Selbständigen) is Austria's statutory social insurance institution providing mandatory health, pension, accident, and care insurance coverage to approximately 1.3 million self-employed individuals including tradespeople (Gewerbetreibende), new self-employed (Neue Selbständige), and farmers (Bauern). The institution operates a digital service platform (svsGO) with mobile app capabilities and supplements coverage with preventive wellness programs, health weeks, camps, and incentive programs.

Product overview

SVS (Sozialversicherung der Selbständigen) is Austria's social insurance provider for self-employed individuals, offering a unified digital platform (svsGO) alongside core insurance products. The platform integrates multiple self-service tools including contribution calculators, pension account calculators, online registration, and document submission services. The digital ecosystem encompasses the svsGO mobile app with e-card functionality, the SVS-Vorsorgepass for preventive care tracking, and various online services for invoice submission, prescription management, and secure messaging. SVS also provides extensive wellness programs including health weeks (SVS-Gesundheitswochen), camps (SVS-Camps, SVS-Feriencamps), and incentive programs (Gesundheitshunderter, Sicherheitshunderter). Core insurance offerings include health insurance, pension insurance, accident insurance, and care allowance (Pflegegeld). The company serves approximately 1.3 million insured individuals across Austria.

Differentiator

Problem solved

Functional benefit

Brands

• svsGO: Digital services platform and mobile app providing e-card functionality, message services, claim submission, contribution account access, and health account management.
• SVS-Gesundheitsangebote

Products and services

• Krankenversicherung (Health Insurance) Statutory health insurance coverage for self-employed individuals, providing medical care, medications, hospital treatment, and dental services. Includes options for benefit-in-kind and cash benefit recipients.
• Pensionsversicherung (Pension Insurance) Statutory pension insurance for self-employed persons, covering retirement benefits, disability pensions, and special provisions including regular old-age pension, long-term insured pension, corridor pension, and heavy labor pension.
• Unfallversicherung (Accident Insurance) Statutory accident insurance covering occupational accidents and occupational diseases, providing rehabilitation services, disability pensions, and safety consulting for self-employed workers.
• Pflegegeld (Care Allowance) Statutory care allowance system providing financial support to insured persons based on care level classifications, including care allowances and support for family caregivers.
• svsGO Digital Platform Integrated digital customer portal and mobile app enabling insured individuals to access their e-card, submit prescriptions, check insurance account balances, submit invoices for reimbursement, communicate securely with SVS, and access all digital insurance services.
• SVS-Gesundheitswochen (Health Week Programs) Multi-day health week programs offering structured preventive health interventions including Fit & G'sund, Gesunder Rücken (Healthy Back), and Mental Fit programs for insured self-employed persons.
• SVS-Camps (Health Camps) Health-focused activity and educational camps including Aktiv-Camps, Ernährungs-Camps (Nutrition), Gesunder-Rücken-Camps, No-Smoking-Camps, and Mental-Camps for insured persons.
• Gesundheitshunderter (Health Bonus Program) Health bonus program rewarding insured self-employed persons for completing preventive health activities and programs with financial incentives.
• Online-Versicherungsanmeldung (Online Insurance Registration) Online self-service registration system for newly self-employed persons to sign up for mandatory social insurance coverage with SVS.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Healthcare Providers NetworkcoreOthersSVS maintains a network of contracted healthcare providers including doctors, dentists, therapists, and hospitals that provide medical services to insured persons. The network ensures accessible healthcare across Austria.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Caisse Nationale d'Assurance Vieillesse (CNAV): French national old-age insurance fund administering the basic pension scheme, including for self-employed affiliates. Comparable in statutory role, scale of contributor base, and increasing focus on digital self-service for member management.
• Istituto Nazionale della Previdenza Sociale (INPS): Italy's national social security institute, administering pensions and social insurance for both employees and self-employed. Comparable in mandate scope (multi-line, statutorily mandated, self-employed included) and in the breadth of digital member services provided.
• AOK Bundesverband: Federal association of German statutory health insurance funds — a much larger, multi-fund analogue to SVS's Krankenversicherung function. Comparable as a regionally organized, statutorily mandated health insurer with parallel e-services and preventive-care programs.
• Caisse Nationale de l'Assurance Maladie (CNAM): French national health insurance fund operating the ameli.fr platform — Europe's most-cited example of digital-first statutory health insurance. Comparable to SVS's Krankenversicherung and svsGO digital agenda as a benchmark for member-facing digital services.
• Deutsche Rentenversicherung: German statutory pension insurance — the largest European statutory pension carrier and a direct analogue of SVS's Pensionsversicherung operations. Comparable in mandate, contribution mechanics, and the breadth of member self-service digital tools offered.

Direct peers

• Pensionsversicherungsanstalt (PVA): Austrian statutory pension insurance institution administering Pensionsversicherung for employees — the direct counterpart to SVS for the self-employed segment. Comparable as a statutory social insurance body under the same Austrian social security framework, with similar governance and digital-service mandates.
• Österreichische Gesundheitskasse (ÖGK): Austrian statutory health insurance fund (Krankenversicherung) covering the majority of employed persons. SVS's health-insurance function is structurally analogous, and ÖGK is the most direct comparand for SVS's Krankenversicherung operations and digital member services.
• BVAEB: Austrian statutory social insurance institution for public-sector employees, railway, and mining workers. Direct peer within the same Österreichische Sozialversicherung umbrella, providing health, accident, and pension insurance under the same legal framework as SVS.
• Sozialversicherung für Landwirtschaft, Forsten und Gartenbau (SVLFG): German statutory social insurance for agricultural, forestry, and horticulture workers. Direct functional peer to SVS's Bauern segment, combining health, pension, accident, and care insurance for a defined self-employed cohort under a single statutory institution.

Others

• Kassenärztliche Bundesvereinigung (KBV): German federal association of statutory health insurance physicians — not a direct insurer, but a critical counterpart in the German statutory health system, comparable in role to SVS's contracted healthcare provider network and care-coordination function.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/deinesvs
• Facebookfacebook.com/deinesvs

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SVS