Most insurers will decline to include certain conditions and treatments in their insurance policies.
When you take out health insurance, it is important that you consider which treatments and services you want and need to be included in your scope of coverage. Insurance providers may choose to exclude pre-existing conditions or chronic illnesses they deem too risky to cover.
In Germany, you must choose between the public and private health insurance systems.
The scope of coverage offered by public (statutory) health insurance providers generally follows the minimum requirements set down by law. In the public insurance system, if you want cover for a service excluded from your main health insurance policy, you need to take out a top-up insurance policy.
In the private insurance system, excluded services can sometimes be included within your scope of coverage in return for higher premiums. This is a matter of negotiation and is at the discretion of your insurance provider.
We reimburse psychotherapy with no yearly session limit, contrary to most other insurance providers.
We can help you write your cancellation letter for your current insurer and send it to you by email. You simply need to add your insurance number and signature and then send it to your insurer. We are unfortunately not allowed to contact your current insurer directly.
If you are eligible for private health insurance and you are in Germany on a visa or a limited permit, we can offer you the Expat Tariff up to five years.
Saving on health insurance and still getting the best coverage isn’t possible? With signing in for ottonova you can make it happen!
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Private health insurance can be canceled with a notice period of 3 months. Everything about important deadlines and special reasons for canceling here in the guide.
With backdating, private health insurance brings forward the start of insurance. You can find out when this is useful at ottonova.
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