The right time to switch to ottonova

Who is eligible for private health insurance?

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.
 

• Employees with a salary above the annual income threshold of €73,800
• Self-employed persons
• Civil servants
• Students

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 €1,174.16 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.

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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.

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First Class Expats

€167

€500 Deductible

• 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%

Select tariff for comparison

Business Class Pro

€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%

Select tariff for comparison

First Class Pro+

€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%

Select tariff for comparison

You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €604	Experts' recommendation €500 SB First Class Expats Best coverage for Expats €167 €500 Deductible	€500 €1,000 SB Premium Economy Good coverage with lowest premium €263 €500 €1,000 Deductible	€500 €1,250 SB Business Class Good price-performance ratio €295 €295 €500 €1,250 Deductible	€0 SB Business Class Pro Great performance without deductible €325 €325 €0 Deductible	€500 €1,250 SB First Class Excellent coverage €314 €314 €500 €1,250 Deductible	€0 SB 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
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%
Contribution refund
Contribution refund	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

ottonova benefit

Fixed premiums guaranteed until end of 2025 extended in many tariffs

Good news: we can extend our fixed premiums guarantee until at least the end of 2025 for adults (from 21 y.) in First Class, Business Class and Premium Economy tariffs (FC100, BC100 and PC100), for our Pro-tariffs, for our First Class Expat tariff and for our study 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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What's covered?

Discover top-notch benefits for your health!

Medical treatments

• 100 % reimbursement for outpatient medical treatment and direct specialist treatment
• Free choice of physician and clinic as well as more physicians to choose from through access to private practices and clinics
• Reimbursement for many treatment methods in contrast to public health insurance in significantly more cases: e.g. acupuncture, alternative practitioners, chiropractors, elective vision correction surgery, as well as preventative treatments without age limits

Alternative healing methods

• We reimburse treatments from naturopaths with alternative treatment methods such as homeopathy or natural cures
• 100 % reimbursement for alternative medicine methods administered by a doctor

Medication

• You need medication? All prescribed medicines (as well as high-cost medicines) are reimbursed
• Your advantage: Even medicines that your doctor prescribes for you, which do not necessarily require a prescription, such as headache tablets or nasal spray, are also covered by ottonova

Natural healing methods and medical aids

• 100 % reimbursement for natural healing methods such as massages, physiotherapy, ergotherapy and more
• Do you wear glasses? We also cover the costs of vision aids like glasses or contact lenses with up to 500 € every 2 years, depending on the tariff
• Medical aids such as hearing aids, prosthetics or wheelchairs are also reimbursed at 100 %

Dental health

• 100 % coverage of dental treatments like fillings or root canals
• Would you like to have your teeth professionally cleaned? We reimburse you for professional dental cleanings up to two times per insurance year or as often as you want with our First Class Pro+ plan
• Up to 90 % reimbursement for dental implants like inlays, onlays, dental implants crowns, bridges or prosthetic teeth
• Does your child need braces? ottonova reimburses up to 100 % of orthodontic treatments for children (up to the age of 21)

Family & Pregnancy

• Fertility treatments reimbursement up to €3,000 during the first 36 month, afterwards unlimited (after prior approval in text form, in our Business and First Class plans)
• 100 % reimbursement for prenatal courses (also for partners), pregnancy and postnatal therapy
• Comprehensive prenatal diagnostics (3x during pregnancy)
• Midwifery services before, during and after the birth as well as intensive care up to three times a day
• If you would like to give birth in a birthing center, ottonova also offers corresponding services (Business and First Class plans)
• Lump sum for childbirth € 400 per delivery (Business Class plans) or € 600 per delivery (First Class plans)
• Many parents prefer to stay with their smaller children when they are being treated in a hospital. Therefore, we cover the accommodation costs for parental accompaniment (rooming-in). This applies to children up to 14 years of age
• With the First Class Pro+ plan, you pay no premiums for up to 9 months when you receive parental allowance

Insurance protection abroad

• Up to 6 months worldwide coverage at no extra charge
• Unlimited insurance coverage within the European Economic Area
• Reimbursement of medical transportation to Germany from foreign countries

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!

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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!

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What our customers say

Time-saving digital services
– all in one app.

We offer you everything you need to skip the paperwork and make your health insurance as easy as possible.

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Concierge team

Your personal Concierge team.

Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the Concierge is there to help and assist through our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.

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Telemedicine appointments

English-speaking doctor on a video call.

Struggling to find doctors that speak English? Just use our app for a video call and receive a diagnosis, treatment plans, and even sick notes for work.

Of course, you can still go see the doctor of your choice in person if you want.

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Fast reimbursement

Lightning-fast
reimbursement of your bills.

Get your money back within a few days? This is a pipe dream with other insurers. ottonova makes this dream a reality! Simply upload your bill via the app and receive the money for your claim within the next few days.
 

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No red tape

Your health, at a glance.

On the timeline you will see a chronological overview of all significant interactions with ottonova as well as reminders for your upcoming appointments. Keep an eye on your health – wherever you are.

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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?

Private Insurance

Dental Top-up

Clinic Top-up

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Please select your gross annual income:

less than €30,000

€30,000 - €73,800

more than €73,800

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Employed

Self-employed

Student

Pensioner

Unemployed

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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.

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.

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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.

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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.

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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.

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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! Just contact our team!

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!