Your digital insurance

Private health insurance - simple and digital

  • Switch to more benefits for lower premiums and save up to 3,100 € per year compared to public health insurance

  • Premium guarantee until at least the end of 2024 for all comprehensive health insurances (except nursing care)

  • Private health insurance with top ratings Top customer satisfaction: 95% recommendation rate

Discover the most popular insurances from our community.

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Seal for being financial test winner
from € 8.80 monthly

Top-up dental insurance

For all those who want more for their smile. 100% coverage without waiting period.

More for your smile.

Woman smiling while looking on her smartphone and holding ottonova insurance card in her hand
Seal issued by Wirtschaftswoche 2022 in the area of ​​private health insurance tariffs rated as very good
with stable premiums

Private health insurance

Best coverage with top price-performance and money-back guarantee. Protection for self-employed and employees.

Best care with top price-performance.

Young man looks joyfully at the tablet in his hand
Seal with first place in customer satisfaction for private health insurance issued in 2022 by KUBUS
get more for less money

Private health insurance for students

Top benefits for your studies with excellent tariffs – with and without deductible.

Treatment like a private patient.

A relaxed woman holding a cup with both hands with her eyes closed and smiling slightly
Seal with first place in customer satisfaction for private health insurance issued in 2022 by KUBUS
tailored to your needs

Expat Tariff

Private health insurance for expats. Save money while getting much better coverage compared to public health insurance.

Best insurance – lowest rates.

Woman looks to the side and smiles

CrewCare - Corporate Health Insurance

Increase the attractiveness of your company and appreciate your employees by offering them ottonova CrewCare.

The ottonova BKV offer

Private health insurance in quality testing

Quality tested by a leading independent German rating agency.

  • Top tariff quality

  • Extensive benefits

  • Very good rate stability

ottonova Qualitäts Siegel
ottonova model pointing to right

Happily insured

Private health insurance with maximum security

Your data is safe with us.

Private health insurance with maximum security

  • AES256-GCM Encryption
  • Data center in Germany
  • Authorized by BaFin

Highlights of our digital private health insurance

One app, endless possibilities, just a tap away.

We'll do the work for you.

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.
Digital doctor’s visit

Digital doctor’s visit

  • Doctor on Video Call You don't want to leave the house? No problem. Our doctors will help you digitally.
  • Save time Receive diagnoses, sick notes and prescriptions via telemedical consultation.
  • Second opinion Is the surgery really necessary? We will get you an informed second opinion.
Our app - a real multi-talent

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.

Affordable today, affordable tomorrow.

Because reliability is just as important to us as it is to you, we have created all the conditions to ensure that your premiums remain affordable into old age.

High five 2x

Built-in old-age provision

On average, 50% of your premiums are set aside for old age. More than any other health insurance.

Future-proof calculation

All tariffs are designed for maximum premium stability, because they realistically reflect the current low interest rate environment. Unique in the market.

Lean processes

State-of-the-art technology and improved processes mean lower administrative costs, enabling us to continuously develop the ottonova world of tomorrow.

Smart premium relief

Lower your premiums in old age by simply setting aside a little more today. With our additional module for premium relief, which you can select in the online application section.

Knowledge is power.

A change should be well considered. Our aim is therefore to provide you with the most important information to help you make the right decision.

Our guide for the german health insurance jungle Expat Guide unser Magazin Check out or expat guide
The most important information,
quick and easy explained.
Expat Video Watch all videos
What else to know? PKV vs GKV for Expats Download ebook

Personalized advice that really is helpful.

We do everything we can to help you make an informed and conscious decision that you will benefit from for a lifetime.

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?

By submitting my data I agree to be contacted by ottonova.

Please tell us more about yourself.

We need this information in order to give you advice on the right tariff.

What is your name and date of birth?

Please select your gross annual income:

Occupational status:

By submitting my data I agree to be contacted by ottonova.

Great, how can we reach you?

Our promise to you: 100% fair advice - zero risk for you.

To confirm, please give us your email adress.

What phone number can we reach you on?

Here is your date suggestion:

This date is no longer available. Please choose another one.
By submitting my data I agree to be contacted by ottonova.

Thank you for your trust!

Your non-binding phone call on:


is reserved for 60 minutes

And this is how it continues:

  • Info email: After the confirmation, we will send you all the information concerning the consultation via email.
  • We are looking forward to meeting you!

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.

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.

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ottonova offers comprehensive private health insurance for employees, self-employed and students, as well as supplementary insurance for persons eligible for benefits called "Beihilfe". We also offer supplementary insurance for anyone who prefers or is obliged to stay insured by public health insurance.

Feel free to book a non-binding consultation and we will be happy to advise you personally.

In Germany, you are not allowed to hold two health insurance policies at the same time. Therefore, you will need to cancel your current health insurance once you've signed a policy with ottonova. Your new ottonova health insurance coverage starts as soon as your old policy expires. We can also help you with the cancellation of your old contract.

ottonova was founded in 2015 by Dr. Roman Rittweger (physician & MBA holder), Sebastian Scheerer (designer), and Frank Birzle (computer scientist). Even though they all come from different backgrounds, they share a common vision: To create health insurance that sets new standards.

It's not something that can just be done by old-school insurance salespeople. That is why ottonova employs not only insurance experts and mathematicians, but also programmers, physicians, and designers. It is precisely this exceptional team that creates the fertile ground for our innovative strength. Together, we pursue our vision and come up with fresh, exciting ideas. It really is a blast!

Yet despite all our enthusiasm, we never lose the ground underneath our feet. Our insurance is rock solid. This is guaranteed by our employees' long-standing experience. They are all experts in their respective fields, including in the field of insurance.

We are a young company and we know our craft. See for yourself and calculate your premium without obligation.

Do you fancy your health insurance at the moment? No? Just imagine living in a world where your health insurance is as much a part of you as your smartphone. And just as easy to use.

If you're sick, you can get an initial assessment in seconds via chat. If necessary, the concierge will arrange a doctor's appointment, which will appear in your app's timeline. You scan the bill with your cell phone and have your money in your account within two days - prepayment is usually no longer necessary. Or you can simply go to the doctor's appointment digitally via videostream, with ottonova covering the costs. That's unique.

Our comprehensive insurance plans provide you with excellent coverage. The premiums are not surprisingly low, but they remain more stable when you get old. We are the health insurance that makes being insured easy and pleasant for you. Best medical services at the best price.

Instead of a tariff jungle, we only have a few tariffs. It's easy to find out online which option is right for you. Look at our tariff pages and receive an honest recommendation from us. Of course, you can also get personal advise.

No one can answer this question reliably. But we have laid good foundations for a high level of premium stability, for example by the way we calculate our premiums. Save costs with ottonova: Find out how we do it here.

Medical inflation has been increasing the cost of patient treatment for decades. Almost all healthcare systems have this problem. By choosing private health insurance, you have already made a good decision. Your benefits are guaranteed from the start. The public health insurance can simply cancel benefits to mitigate premium increases.

In retrospect, premiums have risen by an average of 2.8% over the past 10 years in private health insurance. This is even slightly lower than the figure for public health insurance, which averaged 3.3%. More on the topic? Visit our expat guide.

Switching to ottonova private health insurance is very easy. But don't worry, you can't accidentally switch with just one click. You also have a 14-day right of withdrawal.

  1. Get a consultation: We help you choose the right rate with the right components.
  2. Account: Create an account to get a personalized offer.
  3. Information: Share some personal information with us and answer questions about your health. This will take a maximum of 10 minutes.
  4. Confirmation: Review and confirm your information in the overview.
  5. Review: Our application team will contact you with any questions about your health information. (Maybe you need to do a medical check-up.)
  6. Offer: Receive and confirm our final offer.
  7. Account details: Enter your account details and download some documents.
  8. PIN entry: Request a one-time pin and complete your desired coverage with one click.

ottonova offers rates made just for you. Check out our private health insurance tariffs.

Your health deserves more than the status quo, right?

Get a free, no-obligation consultation to find the best plan for you and sign up directly online. Without a broker.

*For invoices up to 500 € (Monday to Friday)