Family coverage

The responsibility of having a spouse or child increases the need for high-quality health insurance – for you and for them

Family coverage is cover provided by a single health insurance policy for an entire household

A health insurance policy that provides family coverage removes the hassle of taking out separate policies for each family member. This means you can insure yourself, your partner and your children simultaneously, usually with the same level of cover.

Of course, the exact scope of cover (in terms of the illnesses and injuries included and treatments offered) differs from one insurance provider to the next. It is up to you to find a policy that meets the needs of you and your family.

In Germany, spouses and children of people with public (statutory) health insurance are automatically co-insured free of charge.

This is often not the case in the private health insurance system. Private insurance providers usually require a new or separate policy to extend cover to additional persons.


We offer student tariffs for full-time students up to the age of 39.

To get your social security number you need to contact Deutsche Rentenversicherung. They also provide English support.

The process to get your finalized contract with us typically takes around two weeks. Tariffs in private health insurance in Germany are based on the age when you enter the system and your health status.

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!

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