German Health Insurance.
Made Simple.

Premium health insurance for little money.

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.

Which two tariffs would you like to compare?

Selected: 0/2

First Class Expats

€196

€500 deductible

Deductible

0 %

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

Select tariff for comparison

Business Class

€321

€500 €1,250 deductible

Deductible

0% 10% 25%

max €500 per year

max €1,250 per year

• Accommodation in double room
• Dental prostheses: 80%

Select tariff for comparison

Business ClassPro

€331

€0 deductible

Deductible

0 % 10 % 25 %

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

Select tariff for comparison

First Class

€333

€500 €1,250 deductible

Deductible

0% 10% 25%

max €500 per year

max €1,250 per year

• Accommodation in single room
• Dental prostheses: 90%

Select tariff for comparison

First ClassPro

€358

€0 deductible

Deductible

0% 10% 25%

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

Select tariff for comparison

Premium Economy

€284

€1,000 €500 deductible

Deductible

10 % 50 %

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

Select tariff for comparison

You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €648	Experts' recommendation €500 deductible Experts' recommendation First Class Expats Best coverage for Expats €196 €196 Change €500 deductible	€500 €1,000 deductible Premium Economy Good coverage with lowest premium €284 €284 Change €500 €1,000 deductible	€500 €1,250 deductible Business Class Good price-performance ratio €321 €321 Change €500 €1,250 deductible	€0 deductible Business Class Pro Great performance without deductible €331 €331 Change €0 deductible	€500 €1,250 deductible First Class Excellent coverage €333 €333 Change €500 €1,250 deductible	€0 deductible First Class Pro+ Outstanding coverage without deductible €358 €358 Change €0 deductible
	Public insurance €648	First Class Expats €196	Premium Economy €284 €284 Change	Business Class €321 €321 Change	Business Class Pro €331 €331 Change	First Class €333 €333 Change	First Class Pro+ €358 €358 Change
	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.	Now simply personalize:	10% 10% max €500 per year	10% 50% 10% 50% max €1,000 per year max €500 per year	0% 10% 25% 0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25% 0% 10% 25%	0% 10% 25% 0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25% 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	€648	€196	€284	€321	€331	€333	€358
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.

Get a consultation Back

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

Please select 2 Tariffs

Choose a tariff to compare

First Class Expats

Best coverage for Expats/span>

Premium Economy

Lowest premium

Business Class

Great price-performance ratio

Business Class

Great price-performance ratio

First Class

Excellent coverage

First Class

Excellent coverage

Compare now

How to proceed now?

Talk to our experts or check out all benefits.

Get a consultation

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.

The German health insurance system

All residents of Germany must have health insurance. There are two systems – the public and the private health insurance. Everyone can take out public insurance but not everyone is always eligible for private insurance.

 

Who is eligible for private health insurance?

• Employees with a salary above the annual income threshold of €77,400
• Self-employed persons
• Civil servants

What are the differences between public and private health insurance?

Public health insurance:

• Your contribution depends on your salary: the more you earn, the more you have to pay.
• Premiums can reach up to €1,261.31 a month which you share with your employer. As a self-employed person, you must cover the full costs yourself.
• Coverage is quite limited and benefits can be cancelled at any time.

Private health insurance:

• Your monthly premium does not depend on your salary.
• Premiums depend on your health status, the desired scope of benefits and your age of entry: the earlier you decide to switch to ottonova’s private health insurance, the lower your monthly premiums will be.
• Coverage is much more extensive and benefits are guaranteed for the entire duration of your contract.

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

Go ahead now to save time and money by choosing our digital private health insurance, with English-speaking support in real time!

Get a consultation

ottonova makes your visa application simple!

ottonova is a fully licensed German health insurance and fulfills all regulatory requirements, unlike other providers such as Mawista, Cigna or Allianz Worldwide Care.

We are regulated in § 257 SGB V, which is necessary for your visa applications. This also includes the Expat tariff.

A comparison that is worthwhile for you.

Our example of a 32-year-old employee shows you the savings potential with our Business Class tariff compared to various public health insurance plans.

You would like to know how high your contribution is with us?

Then get a free consultation now and let our team help you find the right tariff for you!

Get a consultation

What our customers say

Highlights of our digital private health insurance for employees

One app, endless possibilities, just a tap away.

We'll do the work for you.

• Appointment service Our Concierge service arranges your medical appointments.
• Health advice Answers all your health and medical insurance questions
• Service abroad Fast, reliable & digital at your side for help.

Learn more now

Digital doctor’s visit

• Video Consultations with our Partner TeleClinic Don’t want to leave your home? No problem! TeleClinic doctors are available to provide you with digital consultations 24/7, including Sundays and public holidays.
• Save Time Receive medical certificates and prescriptions through telemedicine consultations. As fully insured ottonova-member, you’ll often benefit from priority consultations within 30 minutes.
• Second Opinion Wondering if a procedure is really necessary? We’ll help you get a well-founded second opinion.

Learn more now

Our app - a real multi-talent

• Keep track Find all the tariff information in your profile at a glance and change it if necessary.
• Fast refunds of your invoices Upload your invoice via app - receive money back within a few days.
• Perfectly organized, without paperwork We sort your documents and events chronologically in your app.

Learn more now

Personal advice, that really helps you out.

Sign up for a free consultation with our English-speaking insurance experts to find the best tariff for you.

Because it's important to us that you feel well advised.

• Objective and fair advice
  We want you to choose us out of conviction.
• Expert insurance market comparison
  We help you understand differences in insurance

What can we advise you on?

Select insurance product

Private Insurance

Dental Top-up

Clinic Top-up

---

By submitting my data I agree to be contacted by ottonova. Continue to your information

Back  to previous step

Please tell us more about yourself.

We need this information in order to give you advice on the right tariff.

What is your name and date of birth?

Personal information

First Name

Last Name

Date of Birth

Please select your gross annual income:

Choose income

less than €30,000

€30,000 - €77,400

more than €77,400

Occupational status:

Select employment type

Employed

Self-employed

Student

Pensioner

Unemployed

---

By submitting my data I agree to be contacted by ottonova. Continue to contact

Back  to previous step

Great, how can we reach you?

Our promise to you: 100% fair advice - zero risk for you.

Contact information

To confirm, please give us your email adress.

Email address

What phone number can we reach you on?

Phone

Here is your date suggestion:

Select date & time

Date*

Choose date...

Time*

Pick time...

---

Invalid e-mail format. Please enter a valid e-mail address in this format: example@email.com.

Sorry, the appointment is no longer available. Please choose another one and try again.

By submitting my data I agree to be contacted by ottonova.

Please wait

Thank you for your trust!

We are looking forward to getting to know you 💙

---

Your non-binding phone call on:

at

---

And this is how it continues:

• Appointment confirmation: We have sent you a confirmation email. Your appointment is only booked once you have confirmed your email address.
• Info email: After the confirmation, we will send you all the information concerning the consultation via email.
• We are looking forward to meeting you!

Please confirm your email address now:

Open Gmail Open Outlook Open Web.de Open GMX

Thank you for your interest in ottonova, !

In Germany, the private health insurance income threshold for employees working in Germany is set by the Federal Ministry of Labour and Social Affairs (BMAS).

Unfortunately, we're not able to offer you private full-comprehensive health insurance, due to the information provided.

If you live in Germany and work remotely for a foreign employer, please contact us.

If you are insured in the public system in Germany, we can offer you our excellent top-up dental insurance - to cover the gaps in your public health insurance.

Discover our dental top-up tariffs

Thank you for your interest in ottonova, ! 💙

Unfortunately, we can not offer a student rate for your age group. Please contact us via chat for more information.

We’re sorry! 💙

Unfortunately, we can’t offer private health insurance for your age group just yet.
We’d love for you to check back with ottonova a bit later!

Do you have questions about supplementary insurance?

Just give us a call on +89 121 896 08 and we'll help you directly.

Or start the online signup right away. The process can still only be completed in german, but for support just contact us.

Discover tariffs

Oh no, something went wrong.. 😢

Unfortunately, there was a problem booking your appointment.

Perhaps your internet connection has been interrupted or we are currently experiencing a problem on our site. Please try again by reloading the page, using the chat or calling us directly.

Refresh page +49 89 121 896 09

FAQ

How can I sign up?

To help you with our online sign-up process, we'll set up an appointment to chat on the phone. We can answer any questions you might have, and guide you through the steps, one at a time.

Get a Consultation now!

What happens to my contract if I leave?

You're free to go! No wiggling out of a tricky contract, no matter which health insurance tariff you choose. If you leave Germany sooner, simply contact us and attach your deregistration form from the German Immigration Office - an Abmeldungsbescheinigung. We'll close your contract and wish you the best of luck on your journey. Promise!

Which tariff should I choose?

We have different full-insurance options at ottonova. All tariffs are solid and built to last. If you plan on staying in Germany for longer than five years, you can choose between Premium Economy Class, Business Class and First Class.

If you are here on a limited permit and plan to stay in Germany less than five years – or simply not sure how long you'll be here - we also offer a special Expat tariff, which provides premium coverage to keep you healthy and happy throughout your stay in Germany. For a full overview of the services offered in our Expat tariff, click here.

We help you find the best option for your personal needs – start with getting a consultation with our English-speaking experts now!

Why is the Expat tariff cheaper?

Normally, private insurance plans help you to save for your future - you'll pay more now, so that your premiums don't rise later. But if you're only planning on staying in Germany for a short time - less than 60 months - then there's no need to set this extra money aside.

Get a Consultation to get started!

Why is the Expat tariff only available for non-EU expats?

The laws in Germany only allow residents with a limited residency permit to sign up for expat plans. Unfortunately, this means we can only offer this special tariff to expats who are here on a permit, and not those who can live in Germany without any type of visa.

How often do premiums increase?

As a regulated health insurance, we cannot just increase premiums any time we want. Premiums can increase when actual health costs in general differ more than 5% from what we calculated. This can only happen due to inflation and rising medical costs.

However, this will never happen for single individuals but rather for all insured people at the same time. Specifically, we cannot increase your premiums because you get sick or because you get older. We also cannot terminate your contract for those reasons. We guarantee you coverage for a lifetime when you sign up.

Can I sign up from abroad?

You can start your sign-up process from abroad. As soon as you arrive in Germany, we will organize a general check-up with an English-speaking nurse for you. When we receive the results, we will be able to finalize your policy.

Does ottonova help with my visa application?

Definitely! ottonova is a fully licensed German health insurance and fulfills all regulatory requirements, unlike other providers such as Mawista, Cigna or Allianz Worldwide Care.

We are regulated in § 257 SGB V, which is necessary for your visa applications. This also includes the Expat tariff.

How can I cancel my current insurance?

We can help you write your cancellation letter for your current insurer and send it to you by email. Piece of cake!

Can I have top-up insurance with ottonova?

If you’re insured in the public system, we can also offer you one of our top-up insurances. We can offer Dental Top-Up and Hospital Top-Up tariffs. You can give us a call and we will help you find the best option for you!