Private Health Insurance Germany.
Made Better.

What are the main differences between public and private health insurance?

Public health insurance:

• Everyone can take out public insurance.
• Your contribution depends on your salary: the more you earn, the more you have to pay.
• Premiums can reach up to € 1,174.16 a month which you share with your employer. As a self-employed person, you must cover the full costs yourself.
• Coverage is quite limited and benefits can be cancelled at any time.

Private health insurance:

• Employees with a salary above the annual income threshold of € 73,800, self-employed persons, civil servants and students are eligible for private insurance.
• Your monthly premium does not depend on your salary.
• Premiums depend on your health status, the desired scope of benefits and your age of entry: the earlier you decide to switch to ottonova’s private health insurance, the lower your monthly premiums will be.
• Coverage is much more extensive and benefits are guaranteed for the entire duration of your contract.

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Up to € 3,746 annual savings potential while getting much more benefits for your health?

Find out why private insurance with ottonova is worthwile for you:

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 € 3,746 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.

How much does a private health insurance for expats cost?

You can save a lot of money if you sign up with ottonovas private medical insurance for expats and still get much better coverage compared to public health insurance. We even designed a special tariff for expats (with temporary visa) with a lot of benefits.
Just take a look at our tariffs and get a free consultation on our private health insurance options from our English-speaking support.

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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

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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%

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Business Class Pro

€325

€0 Deductible

Deductible

0 % 10 % 25 %

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

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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%

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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%

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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 €604	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 €604	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+

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

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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.

What's covered?

Discover top-notch benefits for your health!

Medical treatments

• 100 % reimbursement for outpatient medical treatment and direct specialist treatment
• Free choice of physician and clinic as well as more physicians to choose from through access to private practices and clinics
• Reimbursement for many treatment methods in contrast to public health insurance in significantly more cases: e.g. acupuncture, alternative practitioners, chiropractors, elective vision correction surgery, as well as preventative treatments without age limits

Alternative healing methods

• We reimburse treatments from naturopaths with alternative treatment methods such as homeopathy or natural cures
• 100 % reimbursement for alternative medicine methods administered by a doctor

Medication

• You need medication? All prescribed medicines (as well as high-cost medicines) are reimbursed
• Your advantage: Even medicines that your doctor prescribes for you, which do not necessarily require a prescription, such as headache tablets or nasal spray, are also covered by ottonova

Natural healing methods and medical aids

• 100 % reimbursement for natural healing methods such as massages, physiotherapy, ergotherapy and more
• Do you wear glasses? We also cover the costs of vision aids like glasses or contact lenses with up to 500 € every 2 years, depending on the tariff
• Medical aids such as hearing aids, prosthetics or wheelchairs are also reimbursed at 100 %

Dental health

• 100 % coverage of dental treatments like fillings or root canals
• Would you like to have your teeth professionally cleaned? We reimburse you for professional dental cleanings up to two times per insurance year or as often as you want with our First Class Pro+ plan
• Up to 90 % reimbursement for dental implants like inlays, onlays, dental implants crowns, bridges or prosthetic teeth
• Does your child need braces? ottonova reimburses up to 100 % of orthodontic treatments for children (up to the age of 21)

Family & Pregnancy

• Fertility treatments reimbursement up to €3,000 during the first 36 month, afterwards unlimited (after prior approval in text form, in our Business and First Class plans)
• 100 % reimbursement for prenatal courses (also for partners), pregnancy and postnatal therapy
• Comprehensive prenatal diagnostics (3x during pregnancy)
• Midwifery services before, during and after the birth as well as intensive care up to three times a day
• If you would like to give birth in a birthing center, ottonova also offers corresponding services (Business and First Class plans)
• Lump sum for childbirth € 400 per delivery (Business Class plans) or € 600 per delivery (First Class plans)
• Many parents prefer to stay with their smaller children when they are being treated in a hospital. Therefore, we cover the accommodation costs for parental accompaniment (rooming-in). This applies to children up to 14 years of age
• With the First Class Pro+ plan, you pay no premiums for up to 9 months when you receive parental allowance

Insurance protection abroad

• Up to 6 months worldwide coverage at no extra charge
• Unlimited insurance coverage within the European Economic Area
• Reimbursement of medical transportation to Germany from foreign countries

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

Go ahead now to save time and money by choosing our digital private health insurance, with English-speaking support in real time!

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A comparison that is worthwhile for you.

Our example of a 32-year-old employee shows you the savings potential with our Business Class tariff compared to various public health insurance plans.

You want to know more about the benefits ottonova has to offer?

Then get a free consultation now and let our team help you find the right tariff for you!

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What our customers say

Time-saving digital services
– all in one app.

We offer you everything you need to skip the paperwork and make your health insurance as easy as possible.

We'll do the work for you.

• Appointment service Our Concierge service arranges your medical appointments.
• Health advice Answers all your health and medical insurance questions
• Service abroad Fast, reliable & digital at your side for help.

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Digital doctor’s visit

• Video Consultations with our Partner TeleClinic Don’t want to leave your home? No problem! TeleClinic doctors are available to provide you with digital consultations 24/7, including Sundays and public holidays.
• Save Time Receive medical certificates and prescriptions through telemedicine consultations. As fully insured ottonova-member, you’ll often benefit from priority consultations within 30 minutes.
• Second Opinion Wondering if a procedure is really necessary? We’ll help you get a well-founded second opinion.

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Our app - a real multi-talent

• Keep track Find all the tariff information in your profile at a glance and change it if necessary.
• Fast refunds of your invoices Upload your invoice via app - receive money back within a few days.
• Perfectly organized, without paperwork We sort your documents and events chronologically in your app.

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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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Please select your gross annual income:

less than €30,000

€30,000 - €73,800

more than €73,800

Occupational status:

Employed

Self-employed

Student

Pensioner

Unemployed

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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.

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Private health insurance for expats

What is covered by ottonova's expat health insurance?

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

First Class Expats Excellent coverage for low premium

Premium Economy Good coverage with lowest premium

Business Class Good price-performance ratio

Business Class Pro Great price-performance ratio without deductible

First Class Excellent coverage

First Class Pro+ Outstanding coverage without deductible

Private health insurance for expats

What is covered by ottonova's expat health insurance?

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

Adjust your selection Show all tariffs Without deductible With deductible Price-performance ratio Best Performance	for Non-EU Expats only First Class Expats	Premium Economy	Business Class	Experts' recommendation Business Class Pro	First Class	Top performance First Class Pro+
	First Class Expats	Premium Economy	Business Class	Business Class Pro	First Class	First Class Pro+
Contribution refund	none	none	none	max. one annual average monthly premium (excluding the statutory surcharge)	none	max. one annual average monthly premium (excluding the statutory surcharge)
Deductible	10% per invoice amount up to a €500 deductible/­calendar year	10% per invoice amount max. €500 deductible per calendar year or 50% per invoice amount max. €1,000 deductible per calendar year	10% per invoice amount max. €500 deductible per calendar year or 25% per invoice amount max. €1,250 deductible per calendar year	none	10% per invoice amount max. €500 deductible per calendar year or 25% per invoice amount max. €1,250 deductible per calendar year	none
Outpatient
Outpatient medical treatment	100%	100%	100%	100%	100%	100%
Direct access to specialist care	100%	Primary physician principle 100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80% You may directly consult the following medical specialists: Ophthalmologists, dentists, gynecologists, psychotherapists, paediatricians.	100%	100%	100%	100%
Doctors’ fees	up to 5.0-fold	up to 3.5-fold	up to 3.5-fold	up to 3.5-fold	up to 5.0-fold	up to 5 times the rate
Dressings and medication	100%	100%	100%	100%	100%	100%
Medication prescribed directly by a medical specialist	100%	Primary physician principle 100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80% You may directly consult the following medical specialists: Ophthalmologists, dentists, gynecologists, psychotherapists, pediatricians.	100%	100%	100%	100%
Outpatient transportation costs	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500
Vision (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 (i. e. LASIK)	up to €750(per eye) from the 25th month within 24 months, before €500 (per eye) in the first 24 months & €250 per eye in the first 12 months	up to €500(per eye)from the 25th month within 24 months, before that up to € 250 per eye	up to €1,000(per eye) from the 25th month within 24 months, before that up to € 500 per eye	up to €1,000(per eye) from the 25th month within 24 months, before that up to € 500 per eye	up to €1,500(per eye) from the 25th month within 24 months, before that up to € 750 per eye	up to €5,000(both eyes together) in 5 years
General reimbursement for medical devices (i. e. hearing aids, wheelchairs)	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €2,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair
General reimbursement for therapy (i. e. massages, occupational therapy, physical therapy)	100%	Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80%	100%	100%	100%	100%
Alternative practitioner	100%up to €1,000 per insurance year	100%up to €500 per insurance year including osteopathic services by non-medical practitioners	100%up to €1,000 per insurance year including osteopathic services by non-medical practitioners	100%up to €1,000 per insurance year including osteopathic and chiropractic services by non-medical practitioners	100%up to €1,500 per insurance year including osteopathic services by non-medical practitioners	100%up to €2,000 per insurance year including osteopathic and chiropractic services by non-medical practitioners
Osteopathic services provided by non-medical practitioners		100%up to € 500 per insurance year including non-medical practitioner treatments	100%up to € 1,000 per insurance year including non-medical practitioner treatments	100%up to € 1,000 per insurance year including non-medical practitioner treatments	100%up to € 1,500 per insurance year including non-medical practitioner treatments	100%up to € 2,000 per insurance year including non-medical practitioner treatments
Alternative medicine by physicians	100%	Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80%	100%	100%	100%	100%
Psychotherapy	75%reimbursement per session	75%for a maximum of 50 sessions	90%reimbursement for 25 sessions, 75%reimbursement per session from the 26th session	90%reimbursement for 25 sessions, 75%reimbursement per session from the 26th session	90%reimbursement for 50 sessions, 75%reimbursement per session from the 51st session	100%for 50 sessions, 80%reimbursement per session from the 51th session
Prior approval for psychotherapy	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required	no authorization required
Preventive medical checkups without age limit	excluding glaukoma screening
Preventative vaccinations for foreign travel
Fertility treatment			up to €3,000in the first 36 months, afterwards unlimited	up to €3,000in the first 36 months, afterwards unlimited	up to €3,000in the first 36 months, afterwards unlimited	up to €3,000in the first 36 months, afterwards unlimited
Prenatal classes, pregnancy and postnatal exercises	100%	100%	100%	100%	100%	100%
Birthing centers
Lump sum for childbirth			€400per delivery	€400per delivery	€600 per delivery	€600 per delivery
Inpatient
Treating physician	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)
Better accommodation	private room	double room	double room	double room	private roomoptional: double room	private room
Inpatient services above the maximum rate (3.5 times)	up to 5.0-fold		up to 5.0-fold	up to 5.0-fold	unlimited	unlimited
Private clinic	up to 200% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)	up to 150% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung), €150 personal cost per day	up to 150% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)	up to 150% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)	up to 200% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)	up to 200% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)
Accompanying person for children in hospital (rooming-in)	Children up to 14 years,no limit on duration	Children up to 14 years,no limitation on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration
Replacement daily hospital benefits		€60 per dayif private medical services are waived €20 per dayif accommodation in a double room is waived	€60 per dayif private medical services are waived €20 per dayif accommodation in a double room is waived	€60 per dayif private medical services are waived €20 per dayif accommodation in a two-bed room is waived	€60 per day if private medical services are waived (first class one-bed and first class twin-bed) for the complete hospital stay €55 per day if separately billable accommodation is waived €35 per day if accommodation in a private room is waived (first class one-bed)	€60 per day if private medical services are waived for the complete hospital stay €55 per day if separately billable accommodation is waived €35 per day if accommodation in a private room is waived
Acute in-patient psychotherapy without required pre-approval	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)
Treatments in mixed hospitals without prior approval	pending prior approval	(Exception: psychotherapy)	(Exception: psychotherapy)	(Exception: psychotherapy)	(Exception: psychotherapy)	(Exception: psychotherapy)
Dental
Dental treatment	100%	100%	100%	100%	100%	100%
Dental prostheses (including inlays and implants)	60-90%	60%	80%	80%	90%	90%
Fee rates for dental services	up to 5.0-fold	up to 3,5-fold	up to 3,5-fold	up to 3,5-fold	up to 5.0-fold	up to 5.0-fold
Professional dental cleaning	2x per insurance year, max. €125 per treatment	1x per insurance year, max. €125 per treatment	2x per insurance year, max. €125 per treatment	2x per insurance year, max. €125 per treatment	2x per insurance year, max. €125 per treatment	100%unlimited reimbursement
Orthodontia	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 60%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%
Dental levels - Limitation for prostheses and dentures	max. €500 up to 12 months max. €1,000 up to 24 months after your insurance coverage begins max. €2,000 up to 36 months after your insurance coverage begins max. €3,000 up to 48 months after your insurance coverage begins max. €5,000 up to 60 months after your insurance coverage begins Does not apply for professional teeth cleaning and dental treatment	max. €500 up to 12 months after your insurance coverage begins max. €1000 up to 24 months after your insurance coverage begins max. €2000 up to 36 months after your insurance coverage begins max. €4000 up to 48 months after your insurance coverage begins unlimited from the 49th month after your insurace coverage begins Does not apply for professional teeth cleaning and dental treatment	max. €500 up to 12 months after your insurance coverage begins max. €1000 up to 24 months after your insurance coverage begins max. €2000 up to 36 months after your insurance coverage begins max. €4000 up to 48 months after your insurance coverage begins unlimited from the 49th month after your insurace coverage begins Does not apply for professional teeth cleaning and dental treatment	Max. € 500 in the first year of insurance Max. € 1,000 in the first two years of insurance Max. € 2,000 in the first three years of insurance Max. €4,000 in the first four years of insurance unlimited afterwards Does not apply for professional teeth cleaning and dental treatment	max. €500 up to 12 months after your insurance coverage begins max. €1000 up to 24 months after your insurance coverage begins max. €2000 up to 36 months after your insurance coverage begins max. €4000 up to 48 months after your insurance coverage begins unlimited from the 49th month after your insurace coverage begins Does not apply for professional teeth cleaning and dental treatment	Max. € 1000 in the first year of insurance Max. € 2,000 in the first two years of insurance Max. € 4,000 in the first three years of insurance unlimited afterwards Does not apply for professional teeth cleaning and dental treatment
Reimbursement for healing and cost planning	100%	100%	100%	100%	100%	100%
Dental technical services and coverage	100%	100%	100%	100%	100%	100%
Additional Full-Insurance Subjects
Preventive and curative electronic health services					max. €360within 36 months in First Class private room max. €180within 36 months in First Class double room	max. €360within 36 months
Follow-up treatment (outpatient + inpatient)
Additional rehabilitation measures (incl. outpatient + inpatient therapies)	max. €2,500during the total contract period	max. €5,000within 10 years (incl. withdrawal treatment)	max. €5,000within 10 years	max. €5,000within 5 years	max. €5,000within 5 years	max. €5,000within 5 years
Withdrawal treatment (outpatient + inpatient)	One treatment during the contract period (within 60 months)	max. €5,000 within 10 years (incl. other rehabilitation measures) optional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable
Insurance protection for travel outside of the European Economic Area (EEA)	2 months at no extra charge (without extension)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)
Repatriation	organized by ottonova	organized by ottonova	organized by ottonova	organized by ottonova	organized by ottonova	organized by ottonova
Deductibles (not applicable for dental services, preventive health screenings, medical devices, outpatient psychotherapy)	10% per invoice amount(max. €500 deductible per calendar year)	10% per invoice amount(max. €500 deductible per calendar year) or 50% per invoice amount (max. €1,000 deductible per calendar year)	10% per invoice amount(max. €500 deductible per calendar year) or 25% per invoice amount(max. €1.250 deductible per calendar year)	no deductible	10% per invoice amount(max. €500 deductible per calendar year) or 25% per invoice amount(max. €1.250 deductible per calendar year)	no deductible
Digital Health Applications				Reimbursement up to the amount also paid by the GKV		Reimbursement up to the amount also paid by the GKV
Daily Sickness Allowance
Amount of daily sickness allowance	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed
Possibility to increase daily sickness allowance without further health examination	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)
General dynamic - increase of daily sickness allowance without further health examination	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years
Daily sickness allowance in case of cure, rehabilitation, etc.	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work
Additional payment period in case of occupational disability	3 months	3 months	3 months	3 months	3 months	3 months
Contribution exemption
Contribution-free during parental leave						up to 9 months
Exemption from premiums for newborns	(up to 4 months)	(up to 4 months)	(up to 4 months)	(up to 4 months)	(up to 4 months)	(up to 4 months)
This is a summary of the coverage details with maximum rates and reductions. Please note that this table is not conclusive. You will find all tariff-details such as the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff. 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. The terms and conditions of the individual insurance contract shall prevail and apply.

7 easy steps to ottonova. 100% digital.

And it's as simple as this:

1. make an appointment & have a consultation
2. submit application via premium calculator
3. answer health questions
4. check and conclude insurance contract
5. cancel your current insurance
6. activate account in your app: all documents at a glance
7. enjoy all the benefits of your new digital health insurance policy

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FAQs to the expat health insurance

Is my family included?

Under the private health insurance system, every family member needs their own individual policy, and the cost (premium) is calculated based on each person's health and age when they enroll. Because of this, children's premiums are typically quite affordable. To insure your children in private health insurance can have a lot of advantages. Read more in our article about private health insurance for families!

What happens to my contract if I leave?

You're free to go! No wiggling out of a tricky contract, no matter which health insurance tariff you choose. If you leave Germany sooner, simply contact us and attach your deregistration form from the German Immigration Office - an Abmeldungsbescheinigung. We'll close your contract and wish you the best of luck on your journey. Promise!

How often do premiums increase?

As a regulated health insurance, we cannot just increase premiums any time we want. Premiums can increase when actual health costs in general differ more than 5% from what we calculated. This can only happen due to inflation and rising medical costs.

However, this will never happen for single individuals but rather for all insured people at the same time. Specifically, we cannot increase your premiums because you get sick or because you get older. We also cannot terminate your contract for those reasons. We guarantee you coverage for a lifetime when you sign up.

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Can I sign up from abroad?

You can start your sign-up process from abroad. As soon as you arrive in Germany, we will organize a general check-up with an English-speaking nurse for you. When we receive the results, we will be able to finalize your policy.

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Does ottonova help with my visa application?

Definitely! ottonova is a fully licensed German health insurance and fulfills all regulatory requirements, unlike other providers such as Mawista, Cigna or Allianz Worldwide Care.

We are regulated in § 257 SGB V, which is necessary for your visa applications. This also includes the Expat tariff.

How can I cancel my current insurance?

We can help you write your cancellation letter for your current insurer and send it to you by email. Piece of cake! Just contact our team!

Can I have top-up insurance with ottonova?

If you’re insured in the public system, we can also offer you one of our top-up insurances. We can offer Dental Top-Up and Hospital Top-Up tariffs. You can give us a call and we will help you find the best option for you!

How can foreigners get healthcare in Germany?

In Germany, individuals who reside or work in the country for an extended period of time are required to possess health insurance. To comply with this requirement, it is necessary to register with the German authorities in your local area. During this process, you will receive a German social insurance number, which is essential for accessing the German healthcare system. The subsequent step involves enrolling with a health insurance fund to gain access to healthcare services.

The choice between private and public health insurance options or mandatory enrollment in public health insurance depends on your employment status and income.

Find out more in our article about the healthcare system in Germany.

What happens if you do not take out health insurance in Germany?

Not obtaining health insurance is against the law and can result in significant expenses. If you are discovered to be residing in Germany without health insurance, you may be required to pay retroactive premiums to cover the entirety of your stay.

Why is the Expat tariff cheaper?

Normally, private insurance plans help you to save for your future - you'll pay more now, so that your premiums don't rise later. But if you're only planning on staying in Germany for a short time - less than 60 months - then there's no need to set this extra money aside.

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Health insurance in Germany: Is public or private health insurance better?

Health insurance is a mandatory requirement for all residents in Germany, including expatriates. The choice between the two main types of health insurance, the statutory health insurance (gesetzliche Krankenversicherung, GKV) and private health insurance (private Krankenversicherung, PKV), is a personal one with pros and cons for both options. Expats in Germany must have health insurance. Ultimately, the best choice depends on individual needs and circumstances.

Public health insurance is the predominant option in Germany and is funded by contributions from both employees and employers. Employees in Germany are automatically enrolled in statutory health insurance, and the costs are based on income and household size. Private health insurance is an alternative for individuals earning more than € 73,800 per year or those who are self-employed. Private health insurance offers more extensive coverage options compared to statutory health insurance.

Germany has several private health insurance companies. It is essential to compare policies and coverage options, ensuring the chosen company is reputable and financially stable. Your health insurance card of your insurance company is crucial for accessing medical care in Germany. Always carry it with you when visiting doctors or hospitals.

Is health insurance mandatory for your visa and your stay in Germany?

In Germany, it is a legal obligation for all residents, including non-EU citizens, to have health insurance coverage. This requirement is not only essential for access to healthcare services but is also a prerequisite when applying for a visa to stay in the country. The penalties for not having health insurance in Germany can vary depending on the individual circumstances and the duration of non-compliance.

Firstly, individuals without valid health insurance may face fines imposed by the government or public authorities. These fines can accumulate over time until the individual obtains the necessary health insurance. Additionally, lacking health insurance can result in delayed or denied medical treatment, which can have serious health implications.

Moreover, non-compliance with health insurance requirements can adversely affect an individual's legal standing in Germany. It may impact visa renewals, residency permits, or future visa applications. Furthermore, individuals without health insurance may encounter challenges in various administrative and legal processes within the country.

To ensure legal compliance and access to essential healthcare services, it is crucial for everyone, especially non-EU citizens, to obtain the required health insurance coverage while residing or staying in Germany.

Are you covered by your foreign health insurance in Germany?

Non-EU citizens moving to Germany generally need to obtain German health insurance to qualify for a residence permit. Therefore, getting German health insurance is a crucial step upon your arrival. Some exceptions to these requirements apply to students.

If you are an EU citizen, your European Health Insurance Card (EHIC) covers you during short-term visits. However, once you register officially in Germany, it's essential to obtain local health insurance.

Is travel insurance such as Mawista sufficient as health insurance for a stay in Germany?

No, travel health insurance like Mawista is not adequate for an extended stay in Germany.

If Germany is going to be your home country for at least the next few years, travel insurances are not eligible for obtaining a visa in Germany, as they do not comply with §257 SGB V, §61(6) SGB XI. Unlike ottonova's health insurance, these insurances also do not contribute to the required long-term care insurance.