Hi, we are ottonova.

ottonova offers comprehensive private health insurance for employees and the self-employed, 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. Use our non-binding premium calculator now to find out which plan suits you best. You can also send us a message 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 really like your current health insurance? No? Precisely. Imagine a world where your health insurance is as natural to you as your smartphone, and just as easy to use.

If you are sick, you can get a first opinion in seconds via chat. If necessary, the Concierge will arrange a doctor's appointment for you and the appointment will show up in your app's timeline. Just scan the bill using your cell phone. Your money will be in your account within two days. Advance payment is usually no longer required. You can also simply see a doctor over video chat and ottonova will cover the costs. No one else does this.

Our comprehensive insurance plans provide you with excellent coverage. Your premiums aren't surprisingly low, so they will stay stable as you grow old. Here at ottonova, we are the health insurance provider that makes things easy and convenient for you. We provide the best medical services at the best price.

We keep it simple and only offer a few plans. You can easily find out online which option is right for you. Enter your details into our online assistant to get an honest recommendation. (That option exists so far only in German.) But of course, you can also get personal advise from our english-speaking experts.

Nobody can answer this question reliably. However, we have laid sound foundations for a high level of premium stability, for example, with the way we calculate your premiums. Save money with ottonova: Find out how we do it here.

Medical inflation has been driving patient treatment costs up for decades. This problem exists in almost all healthcare systems. You have already made a good decision by choosing to opt for private health insurance. This is because it will guarantee your coverage right from the start. We strongly believe in preventative measures! Public health insurance can simply cancel coverage in order to keep premium increases down.

If we look back, private health insurance premiums have risen by 2.8% on average over the past 10 years. That number is slightly less than that of public health insurance premiums, which have risen by 3.3% on average. If you'd like to find out more about that topic, check out our magazine.

Switching to ottonova is very easy and can be done entirely online. But don't worry; you can't subscribe unintentionally with one accidental click. You also have the right to revoke your policy within 14 days.

1. Online assistant: Use our online assistant. The assistant will help you to choose the right plan with the add-ons that work for you.
2. Account: Create an account to get a personalized quote.
3. Information: Enter some personal information and answer questions about your health. This will take 10 minutes at most.
4. Confirmation: Check and confirm your details in the overview.
5. Verification: Our application team will contact you if they have any questions about your health information.
6. Quote: Receive and confirm our final quote.
7. Account details: Enter your account details and download some documents.
8. Request PIN: Request a one-time PIN and subscribe to your selected plan with one click.

Who should be considering private health insurance?

• Self-employed professionals and freelancers (exceptions may apply to artists, authors, and farmers).
• Civil servants and others eligible for Beihilfe benefits.
• Employees whose gross income is above the annual earning threshold.
• Students, provided they can be exempted from compulsory public health insurance or are at least 30 years old.

ottonova offers plans that suit you to a T. See for yourself.