Preventive care

Germans are health conscious: they love sport, exercise, and eating healthy, local produce. They also have a progressive approach to healthcare, focusing not only on treating conditions but also on prevention. As a result, your doctor might even prescribe you eine Kur – a trip to a health spa – to aid your recovery!

What exactly is preventive care?

Preventive services aim to reduce your risk of falling ill and to catch serious conditions at an early stage. It can range from scans and screenings to vaccinations before overseas travel. However, with the German public healthcare system already stretched by financial constraints and an ageing population, the preventive-care coverage in public health plans is very limited. Consequently, many people are looking to private health insurance policies to secure more extensive healthcare coverage and added peace of mind.

What does private health insurance cover?

The scope of coverage differs from provider to provider. However, ottonova’s expat health insurance covers preventive services such as colon cancer check-ups and breast cancer screenings that public health plans only offer to older policy holders. What is more, because public health insurance is legally required to focus on cost-effectiveness at all times, private health insurance may provide access to higher quality treatments and materials.

Added benefits of private health insurance

You might not expect this, but private health insurance may well be the best way to manage your health – and your bank balance – while in Germany. Here are our top five reasons to go private:

  1. Coverage: More extensive range of treatments and greater choice for patients
  2. Cost: Public health insurance contributions are rising year after year
  3. Speed: Shorter waiting times to see a doctor – and the option of choosing an English-speaking physician
  4. Quality: Private health insurance is free from cost-cutting considerations
  5. Tax benefits: Premiums for private health insurance are mostly tax-deductible


As a private patient with ottonova you can go to any doctor of your choice. For dental treatments i.e implants or crowns (Zahnersatz) we provide a higher coverage if you choose a dentist from our ottonova network.

The payment is different than in the public system. With private health insurance you pay the full tariff to us at the beginning of the month. If you are employed your employer will contribute their part to your health insurance through your salary.

After your policy is finalized it will not be adjusted again based on the variables of aging, increases in health care needs or increases in salary.

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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