German private health insurance. Made better.

New: The ottonova Pro tariffs

Which advantages do the new Pro tariffs offer?

• 0 € deductible: Your benefits are reimbursed in full – already from the first invoice on.
• Guaranteed no-claim bonus – be rewarded for staying healthy: You have the opportunity to get part of your premiums back (up to 1 annual average monthly premium) if, you don't claim any benefits other than preventive check-ups (statutory programs), professional dental cleanings and vaccinations (except travel vaccinations) for a year.
• Great for families: With the First Class Pro+ plan, you pay no premiums for up to 9 months when you receive parental allowance (above the market average with up to 6 months).
• Dental cleaning unlimited: The costs of professional dental cleanings are covered as often as you want with our First Class Pro+ plan (Top service on the market!).

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Check24 tariff rating 1.1

It's not only our customers who love the tariffs: The independent comparison portal Check24 also rates our First Class Pro+ plan with a tariff rating of 1.1 (excellent).

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Premium health insurance for little money.
Up to € 3,746 savings potential per year

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance.

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Selected: 0/2

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% - 90%

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Experts' recommendation

Business ClassPro

€325

€0 deductible

Deductible

0 % 10 % 25 %

• Contribution refund
• Accommodation in double room
• Dental prostheses: 80% - 90%

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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% - 100%

Select tariff for comparison

Top performance

First ClassPro

€352

€0 deductible

Deductible

0% 10% 25%

• Contribution refund
• 9 months premium-free while on parental leave
• Accommodation in single room
• Dental prostheses: 90% - 100%

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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% - 80%

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You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €604	€500 €1,000 deductible Premium Economy Good coverage with lowest premium €263 €500 €1,000 deductible	€500 €1,250 deductible Business Class Good price-performance ratio €295 €295 €500 €1,250 deductible	Experts' recommendation €0 deductible Business Class Pro Great performance without deductible €325 €325 €0 deductible	€500 €1,250 deductible First Class Excellent coverage €314 €314 €500 €1,250 deductible	Top performance €0 deductible First Class Pro+ Outstanding coverage without deductible €352 €352 €0 deductible
	Public insurance €604	Premium Economy €263	Business Class €295 €295	Business Class Pro €325	First Class €314 €314	First Class Pro+ €352
	Public insurance	Tariff Premium Economy	Tariff Business Class	Tariff Business Class Pro	Tariff First Class	Tariff First Class Pro+
deductible Adjust your deductible according to your individual needs.		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
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 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	€263	€295	€325	€314	€352
Contribution refund	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 €150	up to €300	up to €300	up to €500	up to €500
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 €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	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%
Dental prostheses	10 - 65 %	60%	80%	80%	90%	90%
Professional dental cleaning	small subsidy possible	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 Premium Economy Business Class Business Class Pro First Class First Class Pro+

Please select 2 Tariffs

You would like to know how high your contribution is with us?

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.

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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.

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

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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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.

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.

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FAQ

Information about private health insurance with ottonova

Which tariff should I choose?

We have different full-insurance options at ottonova. All tariffs are solid and built to last. If you plan on staying in Germany for longer than five years, you can choose between Premium Economy Class, Business Class and First Class.

If you are here on a limited permit and plan to stay in Germany less than five years – or simply not sure how long you'll be here - we also offer a special Expat tariff, which provides premium coverage to keep you healthy and happy throughout your stay in Germany. For a full overview on our Expat tariff, click here.

We help you find the best option for your personal needs – start with getting a consultation with our English-speaking experts now!

How does the guaranteed no-claim bonus at ottonova work?

Every insured person in the First Class Pro+ and Business Class Pro plans is entitled to a guaranteed no-claim bonus. The insurance coverage must have existed without interruption for the entire calendar year.

The amount of the guaranteed no-claim bonus is calculated as follows: The sum of the premiums paid (excluding the statutory surcharge) for the previous calendar year, divided by 12.

Precondition for the no-claim bonus: no claims must have been submitted in the previous calendar year. Of course, we want to support you in staying healthy and important preventive check-ups should not be neglected. That's why you can still take advantage of the following benefits and receive the no-claim bonus at the same time:

• Professional dental cleanings according to GoÄ
• Benefits for preventive check-ups according to statutory programs
• Vaccinations (except travel vaccinations)

The premium refund will be paid out in the second half of the following year.

If you have any questions about whether an invoice affects the no-claim bonus, the ottonova concierge will be happy to help you.

What do I need to know about paying premiums during parental leave?

There is no obligation to pay premiums during the first 9 months when you receive parental allowance (German: “Elterngeld") with the First Class Pro+ plan. The following conditions must be met for the exemption from premium payment:

• The insured person has had uninterrupted insurance coverage for at least 8 months prior to the childbirth
• The notification of parental allowance is submitted no later than 6 months after the date of issue
• All previous premiums have been paid on time

What is the deductible in private health insurance?

In private health insurance, the deductible is the out-of-pocket amount you pay towards the costs. This means that the deductible is deducted from the reimbursement amount of the invoice. The deductible is often also referred to as the excess.

Our Business Class Pro and First Class Pro+ plans have no deductible.