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With ottonova your health is in the best hands.
Your health is important to us. That's why our high-performance Study tariffs offer you accommodation in a double room, treatment by the chief physician and other top benefits.
With ottonova your health is in the best hands.
Your health is important to us. That's why our high-performance Study tariffs offer you accommodation in a double room, treatment by the chief physician and other top benefits.
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€0 deductible
Study
Smart |
€500 deductible
Study
Protect |
€0 deductible
Study
Free |
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Study
Smart |
Study
Protect |
Study
Free |
|
Outpatient |
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| Outpatient medical treatment | |||
| Direct access to specialist care | Primary physician principle 100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% | Primary physician principle 100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% | Primary physician principle 100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% |
| Doctors’ fees | up to 3.5-fold | up to 5.0-fold | up to 5.0-fold |
| Dressings and medication | Primary physician principle100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% | Primary physician principle 100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% | Primary physician principle 100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% |
| Outpatient transportation costs | 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 €100 every 60 months | up to €550 every 36 months | up to €550 every 36 months |
| General reimbursement for medical devices (i. e. hearing aids, wheelchairs) |
Up to €500 for medical aids 100% with permission above €500, otherwise 60% Hearing aids: up to €1,500 per hearing aid once per contract period, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 36 months. Custom orthopedic shoes: 4 pairs every 36 months, minus €100 per pair |
Up to €500 for medical aids 100% with permission above €500, otherwise 60% Hearing aids: up to €1,500 per hearing aid once per contract period, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 36 months. Custom orthopedic shoes: 4 pairs every 36 months, minus €100 per pair |
Up to €500 for medical aids 100% with permission above €500, otherwise 60% Hearing aids: up to €1,500 per hearing aid once per contract period, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 36 months. Custom orthopedic shoes: 4 pairs every 36 months, minus €100 per pair |
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Remedies (i.e. Massages, occupational therapy, physiotherapy) |
80% up to €2,000, from €2,000 100% every insurance year |
80% up to €2,000, from €2,000 100% every insurance year |
80% up to €2,000, from €2,000 100% every insurance year |
| Alternative practitioner | up to €2,000 every 36 months combined with 'osteopathic services' | up to €2,000 every 36 months combined with 'osteopathic services' | |
| Osteopathic services provided by non-medical practitioners | up to €2,000 every 36 months combined with 'alternative practitioner' | up to €2,000 every 36 months combined with 'alternative practitioner' | |
| Alternative medicine by physicians | Primary physician principle100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% | Primary physician principle100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% | Primary physician principle100% reimbursement with referral by primary physician or use of the ottonova Concierge-Service – otherwise 80% |
| Psychotherapy | reimbursement per session for session 1-25, 50% reimbursement per session after 25 sessions | reimbursement per session for session 1-25, 80% reimbursement per session after 25 sessions | reimbursement per session for session 1-25, 80% reimbursement per session after 25 sessions |
| Preventive medical checkups without age limit | |||
| Preventative vaccinations for foreign travel | except for travel vaccinations | except for travel vaccinations | except for travel vaccinations |
| Prenatal classes, pregnancy and postnatal exercises |
80% up to €2,000, from €2,000 100% every insurance year in connection with other natural healing methods |
80% up to €2,000, from €2,000 100% every insurance year in connection with other natural healing methods |
80% up to €2,000, from €2,000 100% every insurance year in connection with other natural healing methods |
| Birthing centers | |||
Inpatient |
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| Treating physician | Free choice of physician(including chief physician) | Free choice of physician(including chief physician) | Free choice of physician(including chief physician) |
| Better accommodation | double room | double room | double room |
| Inpatient services above the maximum rate (3.5 times) | up to 3.5-fold | up to 5.0-fold | up to 5.0-fold |
| Private clinic | 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), €150 personal cost per day | up to 150% in accordance with the Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung), €150 personal cost per day |
| Replacement daily hospital benefits |
€60 in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a double room |
€60 in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a double room |
€60 in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a double room |
| Acute in-patient psychotherapy without required pre-approval | (Except for 'mixed hospital institutions') | (Except for 'mixed hospital institutions') | (Except for 'mixed hospital institutions') |
| Stationary transport costs | |||
| Treatments in mixed hospitals without prior approval | (Except for psychological treatment) | (Except for psychological treatment) | (Except for psychological treatment) |
Dental |
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| Dental treatment | 100% | 100% | 100% |
| Dental prostheses (including inlays and implants) | 70% | 80% | 80% |
| Fee rates for dental services | up to 3.5-fold | up to 3.5-fold | up to 3.5-fold |
| Professional dental cleaning | 1x each insurance year, maximum of €80 per treatment. | 1x each insurance year, maximum of €125 per treatment. | 1x each insurance year, maximum of €125 per treatment. |
| Orthodontia | up to 100%before the insured person turns 18 and for KIG 3 (reimbursement of 20% personal cost after the successful completion of the treatment) | up to 100%before the insured person turns 21 (reimbursement of 20% personal cost after the successful completion of the treatment), subsequently up to 80% | up to 100%before the insured person turns 21 (reimbursement of 20% personal cost after the successful completion of the treatment), subsequently up to 80% |
| Dental levels - Limitation for prostheses and dentures |
Before the 12th month of insurance: €500 Before the 24th month of insurance: €1,000 Before the 36th month of insurance: €1,500 does not apply to prophylaxis, professional dental cleaning and in the event of an accident |
Before the 12th month of insurance: €500 Before the 24th month of insurance: €1,000 Before the 36th month of insurance: €2,000 does not apply to dental treatment, prophylaxis, professional dental cleaning and in the event of an accident |
Before the 12th month of insurance: €500 Before the 24th month of insurance: €1,000 Before the 36th month of insurance: €2,000 does not apply to dental treatment, prophylaxis, professional dental cleaning and in the event of an accident |
| Reimbursement for healing and cost planning | |||
| Dental technical services and coverage | |||
Additional Full-Insurance Subjects |
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| Follow-up treatment (outpatient + inpatient) | |||
| Additional rehabilitation measures (incl. outpatient + inpatient therapies) | up to €1,500 within 36 months (no withdrawal treatments) | up to €1,500 within 36 months (no withdrawal treatments) | up to €1,500 within 36 months (no withdrawal treatments) |
| Insurance protection for travel within the European Economic Area (EAA) |
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) |
| Insurance protection for travel outside of the European Economic Area (EEA) | unlimited cover according to German medical fee schedule (German GOÄ) | unlimited cover according to German medical fee schedule (German GOÄ) | unlimited cover according to German medical fee schedule (German GOÄ) |
| Repatriation | Organised by ottonova | Organised by ottonova | Organised by ottonova |
| Deductible (not applicable for inpatient treatments, preventative medical checkups and professional dental cleanings) | €0 | €500 | €0 |
| Digital Health Applications | Reimbursement up to the amount also paid by the GKV | Reimbursement up to the amount also paid by the GKV | Reimbursement up to the amount also paid by the GKV |
| After the studies (continuation) | |||
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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. |
