Private or double bed room
Treatment by Chief Physician
Free choice of hospital
Pause contributions to old age reserves
Most people don’t often end up in hospital. But once you’ve had your first emergency, you’ll want reliable supplementary insurance. Is anything unclear about your stay in hospital? Access our second opinion service with the ottonova app. The Concierge team will help you to find the right hospital. And the hospital checklist is your perfect companion before, during and after your time in hospital.
Reduce your premiums when you’re under 39 by not contributing to old age reserves. More information.
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. 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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ottonova is there for you, wherever you are. You can easily access all of ottonova's features and services from your smartphone.
ottonova is health insurance that does the legwork for you. We can arrange doctor's appointments for you, find you the right specialist, and answer any questions you may have about health and health insurance.
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Get your money back within a few days? ottonova makes this dream finally a reality! Simply upload your bill via the app and receive the money for your claim within the next few days.
Your everyday life is already fully digitalized. Yet you still have a file folder for your health insurance? We sort all your documents and events chronologically in your digital patient record in the ottonova app.
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Our app offers telehealth appointments, so you can get diagnoses, prescriptions, or sick leave quickly and easily.
Of course, you can still go see the doctor of your choice in person if you want.
In addition to free choice of hospital, we offer our tariffs with private or double rooms and treatment by the Chief Physician, thereby providing you with ideal protection depending on your needs. Save money on a monthly basis with the Flex option or benefit from assistance services which we organize for you after your hospital stay.
In addition to free choice of hospital, we offer our tariffs with private or double rooms and treatment by the Chief Physician, thereby providing you with ideal protection depending on your needs. Save money on a monthly basis with the Flex option or benefit from assistance services which we organize for you after your hospital stay.
|
Klinik
Zweibett |
Klinik
Einbett |
|
|---|---|---|
|
Klinik
Zweibett |
Klinik
Einbett |
|
Acute inpatient treatment |
||
| Accommodation | double room | private room |
| Treating physician | Chief Physician | Chief Physician |
| Midwife or male midwife | ||
| Accompanying adult rooming-in with children in hospital | Children under 12, no restriction on duration | Children under 12, no restriction on duration |
| Additional costs of general hospital services | ||
| Daily hospitalization benefit reimbursement | 35 euro | |
Rehabilitation measures |
||
| Accommodation | double room | private room |
| Treating physician | Chief Physician | Chief Physician |
| Accompanying adult rooming-in with children in hospital | Children under 12, no restriction on duration | Children under 12, no restriction on duration |
| Daily hospitalization benefit reimbursement | 35 euro | |
Additional benefits |
||
| Outpatient operations that were previously inpatient operations | ||
| Preadmission and postdischarge treatment | ||
| Check-ups and follow-up examinations | ||
| Home Assistance services | ||
| Special benefits for seriously ill children and adolescents | 50 euro daily hospitalization benefit in the event of serious illness | 70 euro daily hospitalization benefit in the event of serious illness |
|
The summary of services gives an overview to the coverage details. 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. |
Personalize your ottonova tariff with our Flex option and get an affordable premium.
Normally with a supplementary hospitalization insurance tariff, you make contributions to your old age reserves to ensure you can also pay your premiums in old age when most of the benefits are required. The Flex option has been specially developed for younger adults, such as those who are still in education. Here you don't initially contribute towards the latter years of your life, which makes the premium more affordable. You are then automatically switched to the Clinic 2-bed tariff on your 40th birthday and will start to contribute to your old age reserves. You can switch to one of ottonova’s other two Clinic tariffs at any time before this point if you’d like, and you won't need to have another medical examination.
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„I spoke with many brokers and consultants, but none came even close to ottonova's level of advice.“
Of course you can! The ottonova app is your key to our digital services. Let us book your appointments for follow-up examinations or inpatient follow-up treatment, keep track of things in your timeline, and submit bills using your smartphone.
You can find out more about our services here.
The ottonova Clinic 2-bed tariff includes contributions to old age reserves, whereas the ottonova Clinic 2-bed Flex does not. As it is likely you will not need to claim as many benefits when you are younger as you would when you get older, it is sensible to save less money for old age early on. This is achieved through old age reserves. Contributing to your old age reserves allows us to guarantee you steady premiums as far as possible, even as you get older.
At a younger age, such as when you are still in education, your monthly income is not yet that high, so we have developed the Flex option, where no contributions to your old age reserves are made which makes the premiums lower. You will then be switched to the Clinic 2-bed or the Clinic 1-bed tariff no later than your 40th birthday and will begin to build up your old age reserves.
The ottonova Clinic 2-bed and ottonova Clinic 1-bed tariffs contribute to your old age reserves which allows your premiums to be as steady as possible over the entire term of the contract.
As steady as possible means that we won’t change your premiums as a result of your age, but only in the event of changes to medical costs. If providing accommodation in 1-bed rooms becomes more expensive, for example, we must then take this into account when calculating premiums and adjust them if necessary.
On the other hand, the Flex option for younger adults is calculated without contributing to your old age reserves. This means that your premiums can change as you get older. Feel free to get advice from our experts.
As you are not making any contributions to your old age reserves with the Flex option, you are only paying the monthly premium for an average person of your age for the benefits in your tariff. This can be very expensive in old age, up to a premium of 200 euro per month, so we like you to contribute to your old age reserves no later than the end of your 39th year to avoid this situation. Especially as your pension will often be less than your income when you were working.
If you’ve chosen the Flex option and haven't contacted us by your 39th birthday, we will automatically convert your tariff into the ottonova Clinic 2-bed tariff, i.e., with contributions to your old age reserves. You do not have to do anything yourself. You will then have a new premium from this point which cannot be changed on the grounds of your age.
You may also choose to switch from the Flex option to the ottonova Clinic 2-bed tariff earlier, or even to the ottonova Clinic 1-bed tariff.
You may choose to switch to the ottonova Clinic 2-bed or 1-bed tariff before you turn 38.
If you decide to switch to the Clinic 1-bed tariff you can use the 1-bed room and also use the Home Assistance services for longer hospital stays.
If the Clinic 2-bed tariff is sufficient for you, the benefits remain the same as the Clinic 2-bed Flex tariff but you start contributing to your old age reserves sooner. This means you will get a permanently lower premium amount than you would have done if you had changed on your 40th birthday.
"If your statutory health insurance recognizes the general hospitalization benefits (including medical treatment, meals, providing medicine and medical aids and staying in multi-bed rooms) you don’t need to worry about it at all. We will bridge the possible gap in the covered benefits.
If your statutory health insurance does not compensate you for the general hospitalization benefits it's best to contact us before your hospital stay and ask if we will include the benefits as part of your supplementary hospitalization insurance. The best way to do this is to get in touch with our Concierge team via chat or telephone.
Many hospitalizations are the result of an emergency or an accident. In these cases, you do not, of course, need to contact us before you go into hospital.
If you're hospital stay is planned in advance and you have reservations whether your statutory health insurance will recognize the general hospitalization benefits you should definitely contact us. We will then let you know whether your hospital top-up tariff covers the benefits for your treatment. This is the case if the treatment is medically necessary and cannot be carried out as an outpatient.
If your statutory health insurance does not cover the general hospitalization benefits this confirmation can no longer be obtained after treatment. Therefore, if you have doubts you should definitely contact us before your stay in hospital.
Supplementary hospitalization insurance is a top-up insurances for those insured by the public health insurance system. Patients with public heath insurance can supplement their hospital services and be treated like a private health insurance patient in hospital. For families, supplementary hospitalization insurance allows parents to stay with their children during inpatient treatment.
In order to have private supplementary insurance you need have statutory health insurance. The same applies when you are abroad.
Should you still have German statutory health insurance despite transfer of your permanent habitual residence abroad, your insurance cover will also continue through your private supplementary insurance.
ottonova will reimburse your benefits for treatment abroad that we would have also had to pay out for in Germany.
Supplementary hospitalization insurance premiums may be deducted in your tax return as expenses of a provident nature. These can be entered in the “Vorsorgeaufwand” form.
The cost of supplementary hospitalization insurance depends on two factors. The age of the person insured plays a large role. Older people must expect higher costs as there is a high probability they will incur medical expenses due to illness. In addition, the co-insured benefits also play an important role in the cost. The more benefits supplementary hospitalization insurance covers, the higher the premium.
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