Private health insurance for expats in Germany.

All about the expat tariff

What is the ottonova expat health insurance tariff?

We offer a special private health insurance expat tariff for foreigners who are in Germany on a limited visa.

Normally, private health insurance plans help you to save for your future by building aging reserves ("Altersrückstellungen"): Private health insurance in Germany is based on age and health when entering the system. Once you have a private health insurance, due to the aging reserves, premiums will not increase because of you aging or having more medical needs.

However, if you are here on a visa we assume that you will not be in Germany more than a maximum of five years. If you are only planning on staying in Germany for a short time - less than 60 months - there is no need to set this extra money aside. So we can offer you a special private health insurance plan for expats without aging reserves.

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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%

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You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €541	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 €541	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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Who can benefit from an expat health insurance plan in Germany?

ottonova offers the special expat tariff of its private health insurance for Non-EU citizens with temporary visa working in Germany. The tariff is aimed in particular at employees and self-employed persons who meet the requirements for private comprehensive health insurance and are planning a stay of up to 5 years in Germany. You should consider our expatriate health insurance if you belong to the following groups:

1.

Employees

Employees whose gross income is above the annual earning threshold (€69,300 per year or €5,775 per month as of 2024) and who qualify for private health insurance in Germany.

2.

Self-employed professionals and freelancers

Self-employed persons who meet the requirements for private comprehensive health insurance in Germany.

3.

Post-Docs and Researchers

Highly qualified professionals who qualify for private health insurance. Also students who meet the requirements for private comprehensive health insurance can apply for the ottonova expat health insurance.

4.

Dependents of ottonova insured persons

Dependents of a person insured under a private health insurance plan with ottonova.

The laws in Germany only allow residents with a limited residency permit to sign up for expat health insurance plans. Unfortunately, this means we can only offer this special private health insurance tariff to expats who are here on a permit, and not those who can live in Germany without any type of visa (NON-EU citizens). If you are an expat 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 - you can benefit from the expat health insurance plan.

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

How to get an expat health insurance?

To help you with our online sign-up process, we'll set up an appointment to chat on the phone. We can answer any questions you might have, and guide you through the steps, one at a time.

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What are the benefits of ottonova's expat health insurance?

ottonova is a digital private health insurance, built to make your life easier and paperwork free. Manage your health in a single app, with full support in English, so you can focus on the important things in life.

1.

Your English-speaking support team

Our friendly teammates will help you navigate the German health insurance system, help you find English-speaking doctors in your area, and answer all of your insurance and health-related questions.

2.

Legally sound for your visa

Private health insurance from ottonova meets all legal requirements for your visa according to § 257 SGB V. One less obstacle to overcome. Some insurances require long term visas before you can sign up with them. Not ottonova. We accept not only customers with short-term visas, but also if you want to extend it.

3.

All benefits of a private comprehensive health insurance

As an expat, you can benefit from all the services of the ottonova private comprehensive health insurance - at a discounted rate.

4.

Easy tariff change if you stay longer in Germany

If you plan to stay longer than 5 years, you can switch from the expat tariff to our First Class, Business Class or Premium Economy health insurance tariff at any time without additional risk assessment.

Additional services of the ottonova expat health insurance.

ottonova is there for you, wherever you are. You can easily access all of ottonova's features and services from your smartphone.

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Concierge team

Your personal Concierge team.

Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the Concierge is there to help and assist through our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.

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Telemedicine appointments

English-speaking doctor on a video call.

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 see the doctor of your choice in person if you want.

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Fast reimbursement

Lightning-fast
reimbursement of your bills.

Get your money back within a few days? This is a pipe dream with other insurers. ottonova makes this dream a reality! Simply upload your bill via the app and receive the money for your claim within the next few days.
 

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No paperwork

Your health, at a glance.

On the timeline you will see a chronological overview of all significant interactions with ottonova as well as reminders for your upcoming appointments. Keep an eye on your health – wherever you are.

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Our ebook about the German health insurance system.

You finally want all information about the German health insurance system and the differences between statutory and private health insurance? Then our ebook is just the right thing for you. In English please oder doch lieber auf deutsch? Du kannst dich entscheiden.

Private or public health insurance

Which system is right for you? All you need to know about the German health insurance system.

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PKV vs GKV

Welches System ist das richtige für dich? Alles was du zum Thema Krankenversicherung wissen musst.

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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 principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80%	100%	100%	100%	100%
Doctors' Fees	up to 5 times the rate	up to 3.5 times the rate	up to 3.5 times the rate	up to 3.5 times the rate	up to 5 times the rate	up to 5 times the rate
Medication	100%	100%	100%	100%	100%	100%
Medication prescribed directly by a medical specialist	100%	Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80%	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 and €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	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 inserts: 2 pairs every 2 insurance years Custom orthopaedic 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 inserts: 2 pairs every 2 insurance years Custom orthopaedic 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 inserts: 2 pairs every 2 insurance years Custom orthopaedic 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 inserts: 2 pairs every 2 insurance years Custom orthopaedic 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 inserts: 2 pairs every 2 insurance years Custom orthopaedic 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 inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 2 insurance years, minus €100 per pair.
General Reimbursement for therapy (i.e. massages, ergotherapy)	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 including osteopatic services by non-medical practitioners	100% up to €500 per insurance year including osteopatic services by non-medical practitioners	100% up to €1,000 per insurance year including osteopatic services by non-medical practitioners	100% up to €1,000 per insurance year including osteopatic and chiropractic services by non-medical practitioners	100% up to €1,500 per insurance year including osteopatic services by non-medical practitioners	100% up to €2,000 per insurance year including osteopatic and chiropractic services by non-medical practitioners
Osteopatic 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% reimburse­ment for 50 sessions, 80% reimburse­ment per session from the 51st 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
Preventative vaccinations for foreign travel
Fertility Treatments			up to €3,000 during the first 36 month, afterwards unlimited	up to €3,000 during the first 36 month, afterwards unlimited	up to €3,000 during the first 36 month, afterwards unlimited	up to €3,000 during the first 36 month, afterwards unlimited
Prenatal Courses, Pregnancy and Postnatal Therapy	100%	100%	100%	100%	100%	100%
Birthing centers
Lump sum for childbirth			€400 per delivery	€400 per 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 room, optional: double room	private room
Inpatient services above the maximum rate (3.5 times)	up to 5 times the rate at most		up to 5 times the rate at most	up to 5 times the rate at most	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 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 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)	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 old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration
Replacement daily hospital benefits		€60 if private medical services are waived €20 if accommo­dation in a double room is waived	€60 if private medical services are waived €20 if accommo­dation in a double room is waived	€60 if private medical services are waived €20 if accommo­dation in a double room is waived	€60 if private medical services are waived (First Class one-bed and First Class twin bed) €35 if accommo­dation in a private room is waived (First Class one-bed) €20 if accommo­dation in a double room is waived (First Class one-bed and First Class twin-bed)	€60 if private medical services are waived €35 if accommo­dation in a private room is waived €20 if accommo­dation in a double room is waived
Acute in-patient psychotherapy without required pre-approval	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)
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-fold	up to 3,5-fold	up to 3,5-fold	up to 3,5-fold	up to 5-fold	up to 5-fold
Professional dental cleanings	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
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 after your insurance coverage begins 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 from the 49th month after your insurance coverage begins till 60th month of insurance does not apply for professional teeth cleanings and dental treatments	max. €500 up to 12 months after your insurance coverage begins 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. €4,000 up to 48 months after your insurance coverage begins unlimited from the 49th months on does not apply for professional teeth cleanings and dental treatments	max. €500 up to 12 months after your insurance coverage begins 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. €4,000 up to 48 months after your insurance coverage begins unlimited from the 49th months on does not apply for professional teeth cleanings and dental treatments	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 does not apply for professional teeth cleanings and dental treatments	max. €500 up to 12 months after your insurance coverage begins 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. €4,000 up to 48 months after your insurance coverage begins unlimited from the 49th months on does not apply for professional teeth cleanings and dental treatments	max. €1,000 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 does not apply for professional teeth cleanings and dental treatments
Reimbursement for healing and cost planning	100% with previous approval of treatment and cost schedule also for smaller measures else 60%	100%	100%	100%	100%	100%
Dental technical services during dental treatment	100%	100%	100%	100%	100%	100%
Additional Full-Insurance Subjects
Preventive and curative electronic health services					max. €360 within 36 months in First Class private room max. €180 within 36 months in First Class double room	max. €360 within 36 months
Follow-up treatment (outpatient + inpatient)
Additional rehabilitation measures (incl. outpatient + inpatient therapies)	up to. €2,500 during the contract period	max. €5,000 within 10 years (incl. withdrawal treatment)	max. €5,000 within 10 years	max. €5,000 within 10 years	max. €5,000 within 5 years	max. €5,000 within 5 years
Withdrawal treatment (outpatient + inpatient)	One treatment during the contract period	max. €5,000 within 10 years (incl. other rehabilitation measures) optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable
Insurance cover outside 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
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 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 when receiving parental allowance)
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.

Adjust your rate with our daily sickness allowance.

Personalize your ottonova rate with our add-on for a daily sickness allowance.

Daily sickness allowance

Compensate your salary when you're sick

If you're self-employed, you know the issue: Once you're sick, your salary drops to zero. To some extent, this also applies if you're employed: After six weeks, your employer will stop paying you. In this case, our daily sickness allowance kicks in and ottonova compensates your salary - so you can fully focus on getting healthy again.

More information

Need-to-know facts about private health insurance for foreigners

Learn what you need to consider before taking out private health insurance as a foreigner.

How to get health insurance as an expat?

1. Understand the System: Germany offers public and private health insurance. Your eligibility depends on factors like income, employment status, and duration of stay.
2. Check Your Eligibility: Determine if you qualify for public insurance or if private insurance is an option, especially if you’re self-employed or earning above the income threshold (€69,300 per year).
3. Compare Tariffs: Evaluate different health insurance plans based on coverage, cost, and services. Ensure the tariff aligns with your healthcare needs.
4. Seek Advice: Consider consulting a health insurance advisor who specializes in expat needs to help you choose the best plan.
5. Take out health insurance: Once you've selected an insurer and tariff, complete the application process to make sure you have health insurance in Germany. After approval, review your policy to understand your coverage and how to make claims.

How much is health insurance in Germany per month?

The cost of health insurance in Germany depends on whether you choose public or private insurance:

• Public Health Insurance: Typically around 14.6% of your gross salary, plus an additional 1.7% contribution and between 2.4% to 4.0% for long-time nursing care. On average, costs range from around €300 up to €1.050 per month, depending on your income.
• Private Health Insurance: Costs vary based on age, health, and coverage level. Premiums can start as low as €200 per month but may exceed €600 for more comprehensive plans.

Why is private health insurance for foreigners a good choice?

Private health insurance offers foreigners in Germany flexibility and personalized coverage. It allows you to tailor your plan with options like faster access to specialists, private hospital rooms, and more comprehensive care. For younger, healthier individuals, it can also be more affordable than public insurance, with lower premiums and potential refunds. Additionally, private insurance often provides global coverage and often shorter waiting times for medical services due to free doctor's choice, making it a strong choice for many expats.

How to save money on health insurance as an expat?

Saving money on health insurance as an expat in Germany is possible with a few smart strategies. First, consider whether private or public insurance is more cost-effective for your situation. For younger, healthier individuals, private insurance often offers lower premiums and the option for partial refunds if you don’t frequently use medical services.

When you're opting for private health insurance, another way to save is by choosing a higher deductible, which lowers your monthly premiums. You can also opt for a basic plan that has lower premiums and only covers essential health needs. With private health insurance you're free to choose if a lower premium or more health benefits are more important to you! In order to find the best tariff that fits your health and financial needs you should get a consultation before taking out health insurance.

How does being self-employed or a freelancer affect your private health insurance options as a foreigner?

If you’re self-employed or a freelancer in Germany, you have more freedom in choosing private health insurance. Unlike employees, who might need to join the public system, you can often opt directly for private insurance. This allows you to select a plan that matches your healthcare needs and budget, without your premiums being tied to your income, which can be very beneficial if you’re managing your own business.

In addition, private insurance can offer better care options, like faster access to specialists due to free choice of doctors and private hospital rooms.

In short, being self-employed or a freelancer gives you greater control over your health insurance, letting you choose the plan that best suits your personal and professional needs.

Can I live without health insurance in Germany?

No, you cannot live without health insurance in Germany.

Germany has a mandatory health insurance system. Whether you're an expat or a citizen, having health insurance is legally required. If you don't have coverage, you may be denied medical treatment.

As an expat, private health insurance (PKV) can often the best option. It offers more flexibility and potentially more comprehensive coverage than public health insurance.

What happens to health insurance when you quit Germany?

If you're planning on leaving Germany, you can typically end your private health insurance policy. However, it's crucial to review your policy's termination clause to understand any notice periods or specific procedures.

At ottonova 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!

Do expats get private health insurance premiums back in germany?

Yes, you may be eligible for a no-claim bonus from your private health insurance if you have a policy with a money-back feature and don't submit any or only special claims during the year. However, the specific terms and conditions vary between insurers and tariffs.

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Reviews of our customers with expat health insurance.

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!

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 €66,600 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.

You need more information about the advantages of both options? Check out our article public vs. private health insurance!

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.

Private or statutory health insurance - what is better for you?

Germany offers two primary types of health insurance: statutory health insurance (Gesetzliche Krankenversicherung - GKV) and private health insurance (Private Krankenversicherung - PKV).

Statutory Health Insurance (GKV) is compulsory for most residents with income below a defined threshold. Contributions are income-dependent and are shared between individuals and their employers. GKV provides standardized comprehensive coverage for essential medical services and has an extensive network of healthcare providers.

On the other hand, Private Health Insurance (PKV) is an option for higher-income individuals or specific professional groups. Contributions are based on various factors like age, health condition, selected coverage, and risk assessment. PKV offers personalized and flexible coverage options, potential additional benefits, and quicker access to specialists.

The choice between GKV and PKV depends on factors such as income, employment status, preferences, and the level of coverage one seeks.

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.

What happens to my contract if I decide to terminate it before its intended duration?

Rest assured, we understand that circumstances may change. If you find yourself needing to end your contract earlier than planned, regardless of the health insurance tariff you've selected, we've got you covered. Simply get in touch with us and provide your deregistration form from the German Immigration Office - an Abmeldungsbescheinigung. We'll promptly process the closure of your contract and extend our best wishes for success on your future endeavors. We stand by our promise to make this process as smooth as possible for you!