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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%

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Experts' recommendation

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%

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Top performance

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%

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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.

You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €541	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 €541	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 every 2 years	up to €150	up to €300	up to €300	up to €500	up to €500
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	eventual
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave	eventual
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+

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How to proceed now?

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A health insurance policy that focuses primarily on your needs.

We have designed a new kind of health insurance for expats that offers you extensive coverage, time-saving digital services and English-speaking support.

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Real-time Support

Your English-speaking 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 you via 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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Digital services

No more paperwork.

Germans seem to love paper. Doctor's invoices, sick notes and contracts – all on paper. We are putting an end to this. All of your important health documents can be saved and stored in the ottonova app.

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Digital Doctor's Visit

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 to the doctor of your choice.

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What else does ottonova
offer?

• We not only accept customers with short-term visas but also assist you when you want to extend it.
• Health insurance from ottonova fullfills all legal requirements for your visa according to § 257 SGB V.
• Want to explore the world? Go for it! All our rates provide you comprehensive coverage around the world.

Premium coverage for very little money.

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 more

Personal advice, that really helps you out.

Sign up for a free and non-binding 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 - €69,300

more than €69,300

Occupational status:

Employed

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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

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