Meet ottonova, the new digital health insurance, built to make your life convenient. Manage your health in a single app, with real-time customer support in English, so you can focus on the important things in life.
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.
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| Public insurance | Tariff First Class Expats | Tariff Premium Economy | Tariff Business Class | Tariff Business Class Pro | Tariff First Class | Tariff First Class Pro+ | |
|---|---|---|---|---|---|---|---|
deductibleAdjust your deductible according to your individual needs. |
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Contribution refund |
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| Deductible | up to €10 co-payment for medicines, remedies and aids as well as per day in hospital, max. 2% of income, 1% for chronically ill patients | 10% per invoice and max €500 per year | 10% per invoice and max €500 per year 50% per invoice and max €1,000 per year | 10% per invoice and max €500 per year 25% per invoice and max €1,250 per year | No deductible | 10% per invoice and max €500 per year 25% per invoice and max €1,250 per year | No deductible |
| Monthly contribution | €604 | €167 | €263 | €295 | €325 | €314 | €352 |
Contribution refund |
none | none | none | none | up to 1 annual average monthly premium | none | up to 1 annual average monthly premium |
Outpatient services |
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| 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 |
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| 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 |
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| 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 |
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| 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) | |||||
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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. |
We just need some more information in order to give you advice on the right tariff.
We just need some more information in order to give you advice on the right tariff.
More information
According to German law, you can only take out private full insurance with an income above the annual income threshold.
But in order to extend your public health insurance coverage, we recommend our excellent rated top-up dental insurance!
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We have designed a new kind of health insurance for expats that offers you extensive coverage, time-saving digital services and English-speaking support.
Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the concierge is there to help and assist you via our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.
Germans seem to love paper. Doctor's invoices, sick notes and contracts – all on paper. We are putting an end to this. All of your important health documents can be saved and stored in the ottonova app.
Struggling to find doctors that speak English? Just use our app for a video call and receive a diagnosis, treatment plans, and even sick notes for work. Of course, you can still go to the doctor of your choice.
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.
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 signing up for our special expat rate. It fullfills all legal requirements for visas and the best part is, it is guaranteed for a lifetime.
We believe that your health deserves the best possible insurance.
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.
Sign up for a free and non-binding consultation with our English-speaking insurance experts to find the best tariff for you.
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