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
For all those who want more for their smile. 100% coverage without waiting period.
Best coverage with top price-performance and money-back guarantee. Protection for self-employed and employees.
Top benefits for your studies with excellent tariffs – with and without deductible.
Private health insurance for expats. Save money while getting much better coverage compared to public health insurance.
Increase the attractiveness of your company and appreciate your employees by offering them ottonova CrewCare.
Quality tested by a leading independent German rating agency.
Top tariff quality
Extensive benefits
Very good rate stability
That's why you can rely on us.
ottonova contributes to climate protection with many sustainable actions.
The ottonova money-back guarantee
We are the only health insurance company in Germany to return your ageing reserves if you are not satisfied.
Best rating
for our insurances
This is what winners look like: 4x Stiftung Warentest test winner, 3x in a row the most satisfied customers by far, top marks from the leading comparison portal Check24.de, German private health insurance with the best performance at the best price, best customer service of all health insurers.
App with best ratings
One of the best apps on the market with 4.8 stars. Everything you need in one app.
Highest customer satisfaction
ottonova has the highest satisfaction and 95% recommendation rate, making it number 1 in the insurance industry.
Your data is safe with us.
Private health insurance with maximum security
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.
On average, 50% of your premiums are set aside for old age. More than any other health insurance.
All tariffs are designed for maximum premium stability, because they realistically reflect the current low interest rate environment. Unique in the market.
State-of-the-art technology and improved processes mean lower administrative costs, enabling us to continuously develop the ottonova world of tomorrow.
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.
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.
We do everything we can to help you make an informed and conscious decision that you will benefit from for a lifetime.
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.
ottonova offers rates made just for you. Check out our private health insurance tariffs.
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)
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