ottonova customer ratings & experience

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 just a few days - prepayment is usually no longer necessary, depending on the amount of the bill. 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.