As an expat, there are two kinds of medical check-up you need to know about: Health screening to identify common diseases, and pre-insurance medical examinations.
Germany has one of the world’s most advanced screening programs for common diseases – the charges for basic, statutory screening are covered by all health insurance providers as standard, whether public or private. That includes:
All public and private health insurance policies cover the cost of certain types of screening at minimum intervals – they are required to do so by law.
However, private health insurance often goes further. For example, at ottonova we have removed the age restrictions for statutory health screening and exclude screening costs from your annual deductible.
Before you can register with a private health insurance (PKV) provider in Germany, you have to undergo a medical examination. The purpose is to assess your level of risk; ultimately, all insurance providers have a duty to protect their collective of policyholders. People with high-risk or complex conditions will likely have to use the public insurance system or pay a surcharge.
This examination usually includes:
As Germany’s first fully digital private health insurance provider, ottonova does everything possible to give you control over your healthcare.
By teaming up with Medicals Direct, we have made it possible for you to undergo a medical examination at a time and place that suits you – with an English-speaking healthcare professional. The results will be sent to ottonova so we can determine whether we are able to insure you. After you closed the contract with ottonova the results will also be sent to you.
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.
In private health insurance we do not offer a family tariff. However, you can insure family members with you as your dependents.
Of course! Through our ottonova Concierge Service we can book appointments for you. You just easily write us a message with your requirements, and we will find the best option for you.
Our English-speaking insurance experts offer you a free consultation.
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