Your Life. Your Health Insurance.
Meet ottonova, the new digital health insurance, built to make your life convenient. Manage your health in a single app, with real-time customer support in English, so you can focus on the important things in life.
| Exemplary monthly rate for employees |
Public Insurance€541 |
Experts' recommendation First Class Expats€167 |
Business Class€295 |
First Class Pro+€352 |
|---|---|---|---|---|
| Appointment booking through our Concierge | ||||
| Directly to the specialist, access to private doctors | ||||
| Reimbursement of all medications | ||||
| Reimbursement of visual aids | up to €300 in 2 years | up to €300 in 2 years | up to €500 in 2 years | |
| Free choice of doctor (including head of department) | ||||
| Accommodation | multi-bed room | private room | double room | private room |
| Dental treatment | 0 – 100% | 100% | 100% | 100% |
| Dental prostheses | 10 - 65% | 80% | 80% | 90% |
| Professional dental cleaning (PZR) | small subsidy possible | 2x per year, max. €125 per treatment | 2x per year, max. €125 per treatment |
100% (unlimited reimbursement) |
| Worldwide coverage & repatriation | ||||
| Preventive medical checkups without age limits | ||||
| Fully digital | ||||
| 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 amount up to a €500 deductible/calendar year |
10% per invoice amount, max. €500 deductible per calendar year or 50% per invoice amount, max. €1,250 deductible per calendar year |
no deductible |
| Guaranteed premium refund | (only with optional tariff) | |||
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This is a summary of the coverage details with maximum rates and reductions. Please note that this table is not conclusive. You will find all tariff-details such as the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff.
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. The terms and conditions of the individual insurance contract shall prevail and apply. |
*Exemplary premium for employees not including employer contribution, calculated for a 32 year old customer with income higher than 69,300 Euro per year for health insurance and long term care insurance.
