It is not always possible or convenient to see a doctor in person – and, in more urgent cases, you may need to see an on-call doctor. In such instances, telemedicine presents an excellent alternative.

Of course, if you require urgent medical assistance in Germany for a life-threatening condition or injury, you should always call 112.

What is telemedicine?

Telemedicine – also known as telehealth and eHealth services – allows healthcare professionals to speak with you and assess you via a video call.

This allows them to provide an initial diagnosis without the need to visit you or for you to leave your home. It also avoids the risk of infection in doctor’s office and waiting rooms – a particularly important benefit in the age of COVID-19.

See a digital doc with ottonova

As Germany’s first fully digital private health insurance provider, ottonova offers hassle-free access to a digital doc. Here’s how it works:

  1. Click on "Start video consultation".
  2. We'll forward you to our service partner TeleClinic.
  3. Get a video consultation and upload the invoice in the ottonova app afterwards.

Using your tablet or smartphone for the video call allows the doctor to examine you visually and issue a prescription or sick note if appropriate.

It is possible, of course, that a digital consultation will not be enough to diagnose or resolve your problem – but in the case of many minor and common ailments, telemedicine is highly effective.


At the moment we do not offer any money back if you don´t make usage of the insurance, as we want you to go and have your annual check-ups.

However, we offer reward points via our Health X program. Read more about Health X here.

If you are eligible for private health insurance and you are in Germany on a visa or a limited permit, we can offer you the Expat Tariff up to five years.

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.

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.

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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