Emergency medical condition

In circumstances where medical attention is urgently required, there is not always time to consult your health insurance provider.

An emergency medical condition is an extremely severe, serious or life-threatening illness or injury

An emergency medical condition is any illness, condition or injury that is so severe, serious or painful that it is objectively reasonable to seek immediate medical attention to avert further harm. In particular, this means any illness, dysfunction or injury that is life-threatening.

Under German law, everyone living and working in Germany has the right to emergency medical attention – regardless of whether they have public or private health insurance.

If you require urgent medical assistance in Germany, call 112 immediately.

If you require urgent out-of-hours medical care in Germany but your condition is not serious or life-threatening, you should call 116 117 to reach the on-call medical service (Bereitschaftsdienst).

ottonova customers can also use the Concierge service to arrange an appointment with a doctor on-call or organize any other healthcare requirements.


The long-term nursing care insurance 'Pflegepflichtversicherung' is a mandatory insurance for everyone who lives in Germany. This insurance will cover you if you require long-term care and need external help.

You have the option to pay a little more today, to reduce your tariff cost when you are in retirement age. We recommend this optional insurance for everybody. If you choose a €100 monthly reduction from the age of 67, then your tariff will be €100 lower for you when you are 67 years old.

ottonova for Expats

Saving on health insurance and still getting the best coverage isn’t possible? With signing in for ottonova you can make it happen!

Related articles