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.

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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.

Public Insurance
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First Class Expats

Premium Economy

ottonova PC100

Business Class

ottonova BC100
All outpatient doctors
All specialists without referral Primary physician principle
Reimbursement all medications
Reimbursement visual aids up to €300 every 2 years up to €150 every 3 years up to €300 every 2 years
Free choice of hospitals
Accommodation multi-bed room 1-bed room 2-bed room 2-bed room
Chief Physician
Dental treatment 0 – 100% 100% 100% 100%
Worldwide coverage
Fully digital
Quick appointments
Exemplary monthly rate for employees €498 €167 €263 €295
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*Exemplary premium for employees not including employer contribution, calculated for a 32 year old customer with income higher than 66,600 Euro per year for health insurance and long term care insurance.
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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.

Real-time Support
Timeline App Screen
  • Ulrike Leicht lächelndes Gesicht
  • Andrea Rotes Herz
  • Matthias Sprechblase
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
Timeline App Screen
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
Timeline App Screen
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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Extensive coverage you can count on.

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 signing up for our special expat rate. It fullfills all legal requirements for visas and the best part is, it is guaranteed for a lifetime.

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.

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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.

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
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What can we advise you on?

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

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?

Please select your gross annual income:

Occupational status:

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

Great, how can we reach you?

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

To confirm, please give us your email adress.

What phone number can we reach you on?

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Thank you for your trust!

We are looking forward to getting to know you 💙

Your non-binding phone call is on:


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And this is how it continues:

  • We will make sure that you feel well advised. No matter which insurance you choose.