Policyholder

When you take out a health insurance policy with an insurance provider, you become the policyholder.

A policyholder is a person who takes out to cover themselves or someone else they have specified


Health insurance is mandatory in Germany. It is up to you whether you opt for the public or private health insurance system, but you must arrange health insurance cover in order to live and work in Germany. Arranging health insurance prior to arrival in Germany is a condition of obtaining a work visa or residence permit.

When you arrange health insurance cover with an insurance provider, you become the policyholder. As the policyholder, you are responsible for sharing all pertinent information with your insurance provider, paying your premiums and other costs, and ensuring that your cover is suitable for your needs and circumstances.

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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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 is fully regulated by the BaFin and therefore fulfilling the requirements (§ 257 7Abs. 2a Satz 1 SGB V and the § 61 Abs. 5 SGB XI) for you to be able to apply for a visa with your ottonova insurance, which also includes our Expat tariff of course.