You think changing your health insurance in Germany is too complicated for an expat like you?

Let’s look into the details:

With our excellent digital services and dedicated English-speaking team, your switch to ottonova’s health insurance is super easy! No more worries about finding an English-speaking doctor, getting appointments, doing paperwork and so much more.

1. Get your personal phone consultation with one of our English-speaking insurance experts. They’ll answer all the questions you might have about coverage, conditions, premiums, services and whatever is on your mind.
2. Get a health check. Since we do everything in order to make your life easier, we won’t stop here! There is no need for you do go to a doctor to get your health check. One of our English-speaking medical professionals will come to you. At any time and place that suits you! Our partner Medicals Direct will contact you via e-mail to make an appointment. The examination takes about 1 hour. Based on your results we make sure to offer you the best possible coverage for your individual health status.
3. A few days later you will receive a finalized offer.
4. And now you’re good to go - welcome to the ottonova family!
   
   Of course we also advice and help you with the cancellation of your current insurance - no worries!

Digital services and premium coverage at fair rates

Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply tell us your age and employment status to find out how much you can save.

Find out in a consultation

Our excellent rated private health insurance plans.

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.

Which two tariffs would you like to compare?

Selected: 0/2

First Class Expats

€167

€500 Deductible

• for Non-EU Expats only
• Accommodation in private room
• Dental prostheses: 90%
• World-wide coverage up to 2 months

Select tariff for comparison

Business Class

€295

€500 €1,250 Deductible

Deductible

0% 10% 25%

max €500 per year

max €1,250 per year

• Accommodation in double room
• Dental prostheses: 80%

Select tariff for comparison

Business Class Pro

€325

€0 Deductible

Deductible

0 % 10 % 25 %

• Contribution refund
• Accommodation in double room
• Dental prostheses: 80%

Select tariff for comparison

First Class

€314

€500 €1,250 Deductible

Deductible

0% 10% 25%

max €500 per year

max €1,250 per year

• Accommodation in single room
• Dental prostheses: 90%

Select tariff for comparison

First Class Pro+

€352

€0 Deductible

Deductible

0% 10% 25%

• Contribution refund
• 9 months premium-free while on parental leave
• Accommodation in single room
• Dental prostheses: 90%

Select tariff for comparison

Premium Economy

€263

€1,000 €500 Deductible

Deductible

10 % 50 %

• Accommodation in double room
• Specialist via ottonova concierge
• Dental prostheses: 60%

Select tariff for comparison

You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €541	Experts' recommendation €500 SB First Class Expats Best coverage for Expats €167 €500 Deductible	€500 €1,000 SB Premium Economy Good coverage with lowest premium €263 €500 €1,000 Deductible	€500 €1,250 SB Business Class Good price-performance ratio €295 €295 €500 €1,250 Deductible	€0 SB Business Class Pro Great performance without deductible €325 €325 €0 Deductible	€500 €1,250 SB First Class Excellent coverage €314 €314 €500 €1,250 Deductible	€0 SB First Class Pro+ Outstanding coverage without deductible €352 €352 €0 Deductible
	Public insurance €541	First Class Expats €167	Premium Economy €263	Business Class €295 €295	Business Class Pro €325	First Class €314 €314	First Class Pro+ €352
Deductible Adjust your deductible according to your individual needs.		10% max €500 per year	10% 50% max €1,000 per year max €500 per year	0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25%	0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25%
Contribution refund
Contribution refund	none	none	none	none	up to 1 annual average monthly premium	none	up to 1 annual average monthly premium
Outpatient services
Appointment booking through our Concierge
Directly to the specialist, access to private doctors			via ottonova concierge
Corrective lenses, e.g. glasses/contact lenses		up to €300 in 2 years	up to €150 in 3 years	up to €300 in 2 years	up to €300 in 2 years	up to €500 in 2 years	up to €500 in 2 years
Elective Vision Correction Surgery (for example, LASIK)			up to €1,000	up to €2,000	up to €2,000	up to €3,000	up to €5,000
Alternative practitioners		up to €1,000	up to €500	up to €1,000	up to €1,000	up to €1,500	up to €2,000
Inpatient services
Free choice of doctor (including head of department)
Accommodation	Multi-bed room	Private room	Double room	Double room	Double room	Private or double room	Private room
Assumption of costs for treatment in private clinics
Dental services
Dental treatments	0 - 100 %	100%	100%	100%	100%	100%	100%
Dental prostheses	10 - 65 %	60 - 90%	60%	80%	80%	90%	90%
Professional dental cleaning	small subsidy possible	100% 2x per insurance year, max. €125 per treatment	100% 1x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% unlimited reimbursement
Other services
Bonus for preventive health care	potentially
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave	potentially						(up to 9 months when receiving parental allowance)
This list does not represent a conclusive comparison between the scope of the public health insurance coverage and the scope of coverage of the ottonova tariffs. The coverage details described are an excerpt from the tariff benefits and highlight differences. For comprehensive advice, please contact our experts. Please find a summary of the coverage details of the ottonova tariffs here. And for full descriptions of the ottonova tariffs click here. The terms and conditions of the individual insurance contract shall prevail and apply. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only.

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Public insurance First Class Expats Premium Economy Business Class Business Class Pro First Class First Class Pro+

Please select 2 Tariffs

You want to know how high your contribution will be at ottonova?

Simply book a free consultation with our insurance experts to find the best tariff for you and get your personal offer.

Get an expert consultation now

Who can benefit from an expat health insurance plan in Germany?

The laws in Germany only allow residents with a limited residency permit to sign up for expat health insurance plans.

• If you are an expat here on a limited permit (Non-EU citizens with temporary visa working in Germany) and plan to stay in Germany less than five years – or simply not sure how long you'll be here - you can benefit from our expat health insurance plan: First Class Expats.
• If you are an EU citizen or plan on staying in Germany for longer than five years (no matter if EU- or Non-EU citizen), you can choose between our different long-term full-insurance options at ottonova: Premium Economy Class, Business Class and First Class.

Get a free consultation

ottonova benefit

Fixed premiums guaranteed until end of 2025 extended in many tariffs

Good news: we can extend our fixed premiums guarantee until at least the end of 2025 for adults (from 21 y.) in First Class, Business Class and Premium Economy tariffs (FC100, BC100 and PC100), for our Pro-tariffs, for our First Class Expat tariff and for our study tariffs.

This is how easy it can be

4 simple steps to make the switch to ottonova - Germany's first digital private health insurance:

1. Personal phone consultation

2. Health check - at a time and place of your choice

3. Your finalized offer

4. Close your contract with ottonova

Are you ready to be part of Germany's first digital health insurance?

Go ahead now to save time and money by choosing Germany's first digital private health insurance, with all services in English!

Get your consultation

Your advantages with ottonova

Your health in the best of care.

Public health insurance can be quite limited. With our tariffs, you can close this gap forever. Reimbursement for prescribed medication, alternative practitioners, glasses, dentist invoices and chief physician treatment are just some of the benefits of private insurance that public insurance does not cover.

Your savings potential.

In contrast to public health insurance, your premium with ottonova is calculated independently of your income. This means that you could save up to € 3,100 per year - with a higher scope of benefits at the same time.

Access to doctors and specialists.

If you are sick, quick help is our top priority. As a privately insured person, you avoid long waiting times and having to get referrals from general physicians. Instead, you can go directly to the specialist doctor of your choice.

Digital services in one app.

Zero paperwork guaranteed! We offer English-speaking support via phone and chat that helps you find English-speaking doctors in your area and answers all of your insurance and health-related questions, as well as easy claim and fast reimbursement via our app.

Personal advice, that really helps you out.

Sign up for a free consultation with our English-speaking insurance experts to find the best tariff for you.

Because it's important to us that you feel well advised.

• Objective and fair advice
  We want you to choose us out of conviction.
• Expert insurance market comparison
  We help you understand differences in insurance

What can we advise you on?

Private Insurance

Dental Top-up

Clinic Top-up

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By submitting my data I agree to be contacted by ottonova. Continue to your information

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Please tell us more about yourself.

We need this information in order to give you advice on the right tariff.

What is your name and date of birth?

First Name

Last Name

Date of Birth

Please select your gross annual income:

less than €30,000

€30,000 - €69,300

more than €69,300

Occupational status:

Employed

Self-employed

Student

Pensioner

Unemployed

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By submitting my data I agree to be contacted by ottonova. Continue to contact

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Great, how can we reach you?

Our promise to you: 100% fair advice - zero risk for you.

To confirm, please give us your email adress.

email

What phone number can we reach you on?

Phone

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Date*

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Thank you for your trust!

We are looking forward to getting to know you 💙

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Your non-binding phone call on:

at

is reserved for 60 minutes

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And this is how it continues:

• Appointment confirmation: We have sent you a confirmation email. Your appointment is only booked once you have confirmed your email address.
• Info email: After the confirmation, we will send you all the information concerning the consultation via email.
• We are looking forward to meeting you!

Thank you for your interest in ottonova, !

In Germany, the private health insurance income threshold for employees working in Germany is set by the Federal Ministry of Labour and Social Affairs (BMAS).

Unfortunately, we're not able to offer you private full-comprehensive health insurance, due to the information provided.

If you live in Germany and work remotely for a foreign employer, please contact us.

If you are insured in the public system in Germany, we can offer you our excellent top-up dental insurance - to cover the gaps in your public health insurance.

Discover our dental top-up tariffs

Thank you for your interest in ottonova, !

Unfortunately, we can not offer a student rate for your age group. Please contact us via chat for more information.

Do you have questions about supplementary insurance?

Just give us a call on +89 121 896 08 and we'll help you directly.

Or start the online signup right away. The process can still only be completed in german, but for support just contact us.

Discover tariffs

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