Versicherungs-KV 2026 and 2027 forecast

How much salaries under the Versicherungs-KV are expected to rise in 2027, what is left of it after tax and whether the rounds since 2019 kept up with inflation. With the 2026 salary table and minimum salaries, every raise against inflation over the reference period, a 2027 forecast and the net effect on your salary, for office staff of insurance companies in Austria.

Your net pay 2026 and 2027

+€116.16 vs. 2026
€3,871.96
per month from 1 March 2027 · forecast
€3,755.80
per month since 1 March 2026
Net 63.71% SI 18.14% Income tax 18.15%
Net raise
3.09%
net 2027 ÷ net 2026
Deductions on the raise
50.99%
SI + wage tax ÷ gross raise

2026 and 2027 compared

Value20262027 · forecast
Min. salaries
+3.10%≈ +3.30%
Actual salaries
––
Inflation
3.52%3.10%
Your gross €6,116.00€6,318.00
per year €85,624.00€88,452.00
Your net €3,755.80€3,871.96
per year €54,642.16€56,351.02
Purchasing power
−0.71%+0.48%

Raise compared with inflation

Minimum salaries (avg. of all steps)
Inflation, reference period

Main employment

€

2027 round

  1. 2027 deal, forecast≈ +3.30%
    range 2.70% to 3.60%, from inflation and the last 3 rounds · would apply from 1 March 2027
  2. Talks begin
    around January 2027
  3. Inflation over the reference periodØ 3.10%
    January – December 2026 · 3 months forecast
  4. 2026 agreement
    applies from 1 March 2026
    Minimum salaries+2.60%
    Actual salaries–
    minimum salaries + €20

No dates, demands or offers published yet (as of 8 Nov 2026). Talks usually start in late January and conclude in February.

Your grade in the agreement

Function group VIIIper month
Minimum 2026€6,000.14
per year€84,001.96
Minimum 2027, forecast≈ €6,198.14
Your gross€6,116.00
Above the minimum+€115.86 (+1.93%)
Above the minimum 2027, forecast≈ +€119.86 (+1.93%)
Next step: Step 7+€366.62
Next group: Function group IX+€981.20

What the Versicherungs-KV covers

The Versicherungs-KV (Kollektivvertrag für Angestellte des Innendienstes der Versicherungsunternehmen) covers office staff of insurance companies. It is negotiated between Versicherungsverband Österreich (VVO, Verband der Versicherungsunternehmen Österreichs) and Gewerkschaft GPA (bis 2020 GPA-djp). It sets a minimum salary for 9 groups with up to 9 steps, currently from €2,650 to €7,773 gross a month. It is paid 14 times a year: the holiday pay and Christmas pay are set by the agreement and taxed at a preferential rate.

It is renegotiated every year, usually from January; the raise applies from 1 March. The starting point is inflation over the reference period, last time January – December 2025 at 3.52%. The union makes a demand, the employers an offer, and the deal lands in between. It usually has two figures: the minimum raise for the salary table and the actual raise for the salary you really get, also with an over-payment.

What is left of a raise after tax depends on your salary: each extra euro carries social insurance and wage tax at your marginal rate, so net pay usually grows a little less, in percent, than gross. Whether a deal is enough shows in purchasing power: since 2019 minimum salaries under the Versicherungs-KV rose by 39.71%, prices over the reference periods by 34.66%.

Minimum salaries
Inflation, reference period

Versicherungs-KV: pay and prices since 2018. How much salaries have risen in total since 2018 (each minimum raise on top of the last, +39.71% so far), against inflation over the reference periods (+34.66%). Where the solid line is on top, salaries gained purchasing power.

Minimum salaries, white-collar, from 1 March 2026

Group
Step 1
Step 2
Step 3
Step 4
Step 5
Step 6
Step 7
Step 8
Step 9
Function group I
€2,650.47
€2,789.20
€2,927.94
€3,068.50
€3,205.40
€3,416.23
€3,625.26
€3,720.73
€3,818.72
Function group II
€2,803.61
€2,951.35
€3,102.71
€3,250.45
€3,399.98
€3,623.45
€3,845.10
€3,947.16
€4,051.93
Function group III
€2,987.42
€3,145.98
€3,308.15
€3,466.70
€3,628.83
€3,868.48
€4,109.97
€4,219.99
€4,332.93
Function group IV
€3,153.16
€3,324.30
€3,493.70
€3,666.70
€3,836.06
€4,093.72
€4,347.80
€4,464.99
€4,585.32
Function group V
€3,353.17
€3,536.94
€3,720.78
€3,904.53
€4,086.54
€4,360.42
€4,636.07
€4,761.86
€4,891.08
Function group VI
€3,668.49
€3,870.26
€4,072.08
€4,277.51
€4,479.36
€4,783.82
€5,086.55
€5,225.87
€5,368.98
Function group VII
€4,032.47
€4,259.46
€4,484.71
€4,711.77
€4,937.00
€5,269.74
€5,594.38
€5,744.20
€5,898.01
Function group VIII
€4,609.02
€4,872.08
€5,132.08
€5,386.37
€5,631.92
€6,000.14
€6,366.76
€6,539.21
€6,716.34
Function group IX
€5,386.37
€5,679.00
€5,968.24
€6,260.84
€6,550.05
€6,981.34
€7,390.27
€7,578.98
€7,772.50

Funktionsgruppenschema A (everyone hired since 1999): function groups I (simple tasks) to IX, each with salary steps by years of service: advancement each 1 January after 2, 4, 6, 8, 11 and 14 years, to step 8 after 5 years in step 7 and 18 years of service, since 1 Mar 2026 to step 9 after 5 years in step 8 and 25 years with the same employer. Each cell is a full-time minimum salary from age 19, gross, paid 14 times a year. Not included: salary scheme B (hired before 1997), allowances, child allowance and apprentice pay.

Agreements since 2019

Year
From
Minimum salaries
Actual salaries
Inflation in period
2027
1 March 2027
Next round from 1 March 2027
3.10%*
2026
1 March 2026
+2.60%, + €20
–
3.52%
2025
1 March 2025
+2.90%, + €19.50, at most €207.50
–
2.94%
2024
1 March 2024
+7.00%, + €48, at most €510
–
7.88%
2023
1 March 2023
+8.00%, + €49.50, at most €550
–
8.53%
2022
1 March 2022
+3.10%, + €13, at most €180
–
2.77%
2021
1 March 2021
+1.40%, + €3, at most €63
–
1.45%
2020
1 March 2020
+2.20%, at most €88
–
1.51%
2019
1 March 2019
+2.50%, + €13
–
1.98%

Related agreements

Branch
2026
Inflation
2027
History
Banken-KV
+3.14%
3.52%
≈ +3.20%forecast
IT-KV
+2.75%
3.52%
≈ +2.90%in talks
Arbeitskräfteüberlassungs-KV
+2.30%
3.01%
+2.00%agreed
Reinigungs-KV
+3.25%
3.01%
≥ +3.10%agreed
Bewachungs-KV
+3.09%
3.01%
≈ +3.40%in talks

Frequently asked questions

Not agreed yet. Our forecast: minimum salaries about +3.30% (range 2.70% to 3.60%). It starts from inflation over the reference period January – December 2026 (3.10%, partly a WIFO forecast) and adds how far above or below inflation the branch settled in its last 3 rounds.
Under the salary table from 1 March 2026, between €2,650.47 (Function group I, Step 1) and €7,772.50 (Function group IX, Step 9) gross a month, paid 14 times a year. It is a floor: your employer may pay more (over-payment), never less.
Talks usually start in January; the new salaries apply from 1 March. The round is negotiated against inflation over the reference period, the twelve months before it (last time January – December 2025: 3.52%).
The minimum raise lifts the salary table, the floor per group and step. The actual raise applies to the salary really paid, even above the minimum. Where it is lower than the minimum raise, the over-payment shrinks; your salary may never fall below the new minimum.
Yes. The minimum salary applies in proportion to your hours: at 20 of 40 weekly hours, half of it. The raise in percent is the same as for full-time.
Yes. Holiday and Christmas pay follow the monthly salary in force when they are paid. So you get a raise 14 times a year, and both special payments stay taxed at the preferential rate up to the annual sixth.
Then your employer has to top you up to the new minimum of your group and step from the effective date. Check your grade with the table on this page. You can claim shortfalls back, but many agreements set short deadlines for that, so talk to your works council, union or the Chamber of Labour early.
From 2019 to 2026 minimum salaries rose by 39.71% in total, inflation over the reference periods by 34.66%. In 7 of 8 years the raise matched or beat inflation. Over the whole period the rounds kept up with inflation.
  • Table · GPA: Funktionsgruppenschema A, Monatsbruttogehälter ab 1. März 2026 (mit dem Versicherungsverband abgestimmt, Wien, 12.03.2026)
  • 2027 · GPA: Versicherungen (Kollektivverträge, Archiv)
  • 2026 · WKO: Kollektivvertrag Versicherungsunternehmen Innendienst, Angestellte, gültig ab 1.3.2026
  • 2025 · GPA: KV-Versicherungen 2025 – Gehälter steigen im Innendienst um durchschnittlich 3,4 % (18.02.2025)
  • 2024 · GPA: Versicherungen 2024 – Einigung in der 3. Verhandlungsrunde
  • 2023 · GPA: Abschluss zum KVI 2023, Mitgliederinfo Nr. 3 (3. Runde am 27. Februar 2023)
  • 2022 · Ergebnis der Kollektivvertragsverhandlungen Innendienst vom 15. Februar 2022 (VVO / GPA)
  • 2021 · Ergebnis der Kollektivvertragsverhandlungen Innendienst vom 29. Jänner 2021 (VVO / GPA)
  • 2020 · WKO: Kollektivvertrag Versicherungsunternehmen Innendienst, Angestellte, gültig ab 1.3.2020, Anhang A/2 (Wayback-Kopie)
  • 2019 · GPA-djp: Information KV Innendienst 2019, Ergebnis in der 3. Verhandlungsrunde (Wayback-Kopie)