Risk surcharge

Your health is as unique as your appearance and personality – and so are the risks to your health. Risk surcharges help to protect the insurance collective against disproportionate risk.

Private health insurance providers use the risk surcharge to take individual policyholders’ risk factors into account

Risk surcharges are used in the private health insurance system. They protect the insurance collective by ensuring that all policyholders pay premiums that are proportionate to their respective level of risk. If someone smokes, drinks alcohol and is allergic to nuts, the risk that they will fall ill (and thus require medical treatment) is greater than that of a non-smoking teetotaler with no allergies.

In this way, the risk surcharge protects the insurance collective and follows the equivalence principle. Essentially, people who are expected to draw more benefits over the lifetime of an insurance policy should pay higher premiums accordingly.

Risk surcharges are calculated on a case-by-case basis. An individual’s risk surcharge is based on the severity of their condition and how this relates to any other conditions they may have.

When you apply for health insurance from ottonova, we will ask you 11 questions – including whether you have recently undergone surgery, whether you have any chronic illnesses, and whether you wear a hearing aid. You must answer these questions truthfully. However, if you aren’t sure about something, don’t worry: we’ll be happy to discuss and clarify matters over the phone.


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.

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.

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.

ottonova for Expats

Interested in private health insurance in Germany? We help you to find the best tariff.

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