We always do our best, and we are proud of our happy customers.

Digital

Insurance matters conveniently via app

Fast

Receive quickest reimbursements and feedbacks

Safe

Premium protection with top price performance

What our customers think about us.

Key figures that set us apart

4,4

award our customers for the consultation with ottonova.

99 %

would recommend ottonova.*

86 %

love the chat with the ottonova concierge.

92 %

highly appreciate our online processes.*

4,7

awarded by our customers in the Appstore for our mobile apps.

* The figures come from our health X survey. You can learn more here.
What is health-X?

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Isabel

ottonova insurance expert

Fast and personal consultation?

Our experts have answers for you.

089 121 896 09

Tests & Ratings

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3x Stiftung Warentest test winner

Insure your teeth with the three-time dental supplementary insurance test winner! In 2019, 2020 and 2022, Stiftung Warentest tested all supplementary dental insurances on the German market and named ottonova the best supplementary dental insurance with the top rating "very good". But Stiftung Warentest also said "very good" in 2021.

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3x in a row the most satisfied customers by far

Every year, the largest independent study of customer satisfaction in private health insurance is carried out. ottonova has taken 1st place in the service and customer satisfaction categories for the third time in a row. So when you insure yourself with ottonova, you can be sure that you're getting the best service on the market.

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Top marks from leading comparison portal Check24.de

Germany's largest comparison portal Check24 has also awarded the ottonova Zahn 100 tariff "very good". In particular, the benefits dental treatment, dentures and professional dental cleaning immediately received the top score in the comparison of supplementary dental insurances.

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Private health insurance with best performance

In its comparison of the best private health insurers, the rating agency Morgan&Morgan (M&M) named our private health insurance tariff "FC100-10, PVN" the price-performance winner. ottonova not only received the grade "Very Good", but was also able to prove itself in the overall ranking among 23 health insurers with the highest number of points.

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Best customer service of all health insurers

In a study of customer satisfaction conducted by the financial magazine Focus Money, ottonova was ranked first among all German health insurers (private health insurance and public health insurance) with a maximum score of 100 points. In addition to price and performance, customer service is the most important criterion when it comes to customer satisfaction. Thanks to real-time concierge chat in the app!

4 reasons for
switching to ottonova

1.

You can test ottonova risk-free, thanks to our money-back guarantee*.

If you switch to another private health insurance company in the first 2 years, we will refund 100% of your age reserves.

2.

You do not have to make any financial advance payment for your treatments

We will reimburse you for your bills within 48 hours so you can use them to pay for medical expenses.

3.

You save time thanks to doctor consultation via video call

With us, you no longer need to leave the house for diagnoses, prescriptions and sick notes.

4.

You can count on stable premiums until old age

We set aside around 50% of your contribution for retirement and have low administrative costs thanks to digital processes.

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That's how "digitally insured" feels like

That's how easy private health insurance is today with ottonova.

Not yet convinced?

Download and test
the ottonova App
Person

Your health deserves more than the status quo, right?

Get a free, no-obligation consultation to find the best rate for you and take out a contract directly online. Without a broker.

Frequently asked questions

Don't worry, both your premiums and your data are safe! ottonova, lawmakers, and the association of private health insurance funds have taken the following measures to protect you:

Approval of the German Federal Financial Supervisory Authority (BaFin): Like every insurance company, ottonova is officially certified and authorized. As a result, we are subject to the same strict requirements as any other health insurance fund, and we are obliged to continuously demonstrate that we have enough capital to guarantee your long-term insurance cover.

ottonova itself is also insured. Imagine this unlikely scenario. A policyholder requires very expensive treatment costing millions. This is an extraordinary burden for the entire community of policyholders. For such a case, we have taken out reinsurance with GenRe, the oldest reinsurance company in the world. This means that ottonova, and all our policyholders, are optimally covered.

Better safe than sorry. All these provisions mean that no private health insurance company has ever had to file for bankruptcy, and it is very unlikely to happen in the future. Nonetheless, we've also made provisions for the worst-case scenario, in the form of a guarantee fund.

All private health insurance companies are members of a guarantee fund by Medicator AG. Should a health insurance company become insolvent, this fund will take over its policies, and will allow the coverage to continue unchanged. And what’s more, the capital you have saved (old-age provisions) will always remain untouchable. This is being monitored on an ongoing basis by independent trustees.

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.

Here's a quick comparison. The established insurance companies are associated with a lot of legacy policies and cumbersome systems. That makes them slow, complicated, and inflexible. That is also the reason why the topic of health insurance triggers one thing in particular: a headache. ottonova does several things differently. Our modern IT systems make us fast and agile. We are starting with a new pool of policyholders and innovative features.

Our aim: Every time anyone contacts us should be an all-around pleasant experience. This involves ottonova reducing the complexity of the industry to an understandable level. We speak plainly and do not hide behind long, confusing paragraphs. See for yourself.