You think changing your health insurance in Germany is too complicated for an expat like you?

Let’s look into the details:

With our excellent digital services and dedicated English-speaking team, your switch to ottonova’s health insurance is super easy! No more worries about finding an English-speaking doctor, getting appointments, doing paperwork and so much more.

1. Get your personal phone consultation with one of our English-speaking insurance experts. They’ll answer all the questions you might have about coverage, conditions, premiums, services and whatever is on your mind.
2. Get a health check. Since we do everything in order to make your life easier, we won’t stop here! There is no need for you do go to a doctor to get your health check. One of our English-speaking medical professionals will come to you. At any time and place that suits you! Our partner Medicals Direct will contact you via e-mail to make an appointment. The examination takes about 1 hour. Based on your results we make sure to offer you the best possible coverage for your individual health status.
3. A few days later you will receive a finalized offer.
4. And now you’re good to go - welcome to the ottonova family!
   
   Of course we also advice and help you with the cancellation of your current insurance - no worries!

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Digital services and premium coverage at fair rates

Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply tell us your age and employment status to find out how much you can save.

Find out in a consultation

Our excellent rated private health insurance plans.

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.

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First Class Expats

€167

€500 deductible

Deductible

0 %

• for Non-EU Expats only
• Accommodation in private room
• Dental prostheses: 90%
• World-wide coverage up to 2 months

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Business Class

€295

€500 €1,250 deductible

Deductible

0% 10% 25%

max €500 per year

max €1,250 per year

• Accommodation in double room
• Dental prostheses: 80%

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Business ClassPro

€325

€0 deductible

Deductible

0 % 10 % 25 %

• Contribution refund
• Accommodation in double room
• Dental prostheses: 80%

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First Class

€314

€500 €1,250 deductible

Deductible

0% 10% 25%

max €500 per year

max €1,250 per year

• Accommodation in single room
• Dental prostheses: 90%

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First ClassPro

€352

€0 deductible

Deductible

0% 10% 25%

• Contribution refund
• 9 months premium-free while on parental leave
• Accommodation in single room
• Dental prostheses: 90%

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Premium Economy

€263

€1,000 €500 deductible

Deductible

10 % 50 %

• Accommodation in double room
• Specialist via ottonova concierge
• Dental prostheses: 60%

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You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €604	Experts' recommendation €500 deductible First Class Expats Best coverage for Expats €167 €500 deductible	€500 €1,000 deductible Premium Economy Good coverage with lowest premium €263 €500 €1,000 deductible	€500 €1,250 deductible Business Class Good price-performance ratio €295 €295 €500 €1,250 deductible	€0 deductible Business Class Pro Great performance without deductible €325 €325 €0 deductible	€500 €1,250 deductible First Class Excellent coverage €314 €314 €500 €1,250 deductible	€0 deductible First Class Pro+ Outstanding coverage without deductible €352 €352 €0 deductible
	Public insurance €604	First Class Expats €167	Premium Economy €263	Business Class €295 €295	Business Class Pro €325	First Class €314 €314	First Class Pro+ €352
	Public insurance	Tariff First Class Expats	Tariff Premium Economy	Tariff Business Class	Tariff Business Class Pro	Tariff First Class	Tariff First Class Pro+
Deductible Adjust your deductible according to your individual needs.		10% max €500 per year	10% 50% max €1,000 per year max €500 per year	0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25%	0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25%
No-claim bonus
Deductible	up to €10 co-payment for medicines, remedies and aids as well as per day in hospital, max. 2% of income, 1% for chronically ill patients	10% per invoice and max €500 per year	10% per invoice and max €500 per year 50% per invoice and max €1,000 per year	10% per invoice and max €500 per year 25% per invoice and max €1,250 per year	No deductible	10% per invoice and max €500 per year 25% per invoice and max €1,250 per year	No deductible
Monthly contribution	€604	€167	€263	€295	€325	€314	€352
No-claim bonus	none	none	none	none	up to 1 annual average monthly premium	none	up to 1 annual average monthly premium
Outpatient services
Appointment booking through our Concierge
Directly to the specialist, access to private doctors			via ottonova concierge
Corrective lenses, e.g. glasses/contact lenses		up to €300 in 2 years	up to €150 in 3 years	up to €300 in 2 years	up to €300 in 2 years	up to €500 in 2 years	up to €500 in 2 years
Elective Vision Correction Surgery (for example, LASIK)			up to €1,000	up to €2,000	up to €2,000	up to €3,000	up to €5,000
Alternative practitioners		up to €1,000	up to €500	up to €1,000	up to €1,000	up to €1,500	up to €2,000
Inpatient services
Free choice of doctor (including head of department)
Accommodation	Multi-bed room	Private room	Double room	Double room	Double room	Private or double room	Private room
Assumption of costs for treatment in private clinics
Dental services
Dental treatments	0 - 100 %	100%	100%	100%	100%	100%	100%
Dental prostheses	10 - 65 %	60 - 90%	60%	80%	80%	90%	90%
Professional dental cleaning	small subsidy possible	100% 2x per insurance year, max. €125 per treatment	100% 1x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% unlimited reimbursement
Other services
Bonus for preventive health care	potentially
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave	potentially						(up to 9 months when receiving parental allowance)
This list does not represent a conclusive comparison between the scope of the public health insurance coverage and the scope of coverage of the ottonova tariffs. The coverage details described are an excerpt from the tariff benefits and highlight differences. For comprehensive advice, please contact our experts. Please find a summary of the coverage details of the ottonova tariffs here. And for full descriptions of the ottonova tariffs click here. The terms and conditions of the individual insurance contract shall prevail and apply. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only.

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Public insurance First Class Expats Premium Economy Business Class Business Class Pro First Class First Class Pro+

Please select 2 Tariffs

You want to know how high your contribution will be at ottonova?

Simply book a free consultation with our insurance experts to find the best tariff for you and get your personal offer.

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Who can benefit from an expat health insurance plan in Germany?

The laws in Germany only allow residents with a limited residency permit to sign up for expat health insurance plans.

• If you are an expat here on a limited permit (Non-EU citizens with temporary visa working in Germany) and plan to stay in Germany less than five years – or simply not sure how long you'll be here - you can benefit from our expat health insurance plan: First Class Expats.
• If you are an EU citizen or plan on staying in Germany for longer than five years (no matter if EU- or Non-EU citizen), you can choose between our different long-term full-insurance options at ottonova: Premium Economy Class, Business Class and First Class.

Get a free consultation

This is how easy it can be

4 simple steps to make the switch to ottonova - Germany's first digital private health insurance:

1. Personal phone consultation

2. Health check - at a time and place of your choice

3. Your finalized offer

4. Close your contract with ottonova

ottonova benefit

Fixed premiums guaranteed until end of 2026 – extended in popular tariffs

Good news: we’re extending our fixed premiums guarantee until at least the end of 2026 – for our Pro-tariffs and our study tariffs. Enjoy continued premium stability in all tariffs covered by this guarantee.

Why private insurance with ottonova is worthwile for you

Top-notch health benefits

including reimbursement of visual aids, dentures and private medical bills

Your savings potential

up to €3,746 per year compared to public insurance

English-speaking support

in real time

Zero paperwork

digital services in one app

Worldwide coverage

up to 6 months

High customer satisfaction

according to independent KUBUS study

Appointments with English-speaking doctors

booked for you

Fulfils all legal requirements for your visa

according to § 257 SGB V

Are you ready to be part of Germany's first digital health insurance?

Go ahead now to save time and money by choosing Germany's first digital private health insurance, with all services in English!

Get your consultation