German Private Health Insurance. Made better.

Our plans

Exceptional health coverage. Contributions that fit your life.

ottonova offers you health insurance that combines excellent benefits with fair contributions. This gives you significantly better coverage than public health insurance without straining your budget. A special expat tariff is also available for non-EU citizens, offering you additional financial advantages.

First Class Expats Excellent coverage for low premium

First Class Pro+ Outstanding coverage without deductible

First Class Excellent coverage

Business Class Pro Great price-performance ratio without deductible

Business Class Good price-performance ratio

Premium Economy Good coverage with lowest premium

Our plans

Exceptional health coverage. Contributions that fit your life.

ottonova offers you health insurance that combines excellent benefits with fair contributions. This gives you significantly better coverage than public health insurance without straining your budget. A special expat tariff is also available for non-EU citizens, offering you additional financial advantages.

Adjust your selection Show all tariffs Without deductible With deductible Price-performance ratio Best Performance	Tariff First Class Expats for Non-EU Expats only First Class Expats	Tariff First Class Pro+ Top performance First Class Pro+	Tariff First Class First Class	Tariff Business Class Pro Experts' recommendation Business Class Pro	Tariff Business Class Business Class	Tariff Premium Economy Premium Economy
	First Class Expats	First Class Pro+	First Class	Business Class Pro	Business Class	Premium Economy
No-claim bonus	none	max. one annual average monthly premium (excluding the statutory surcharge)	none	max. one annual average monthly premium (excluding the statutory surcharge)	none	none
Deductible	10% per invoice amount up to a €500 deductible/­calendar year	none	10% per invoice amount max. €500 deductible per calendar year or 25% per invoice amount max. €1,250 deductible per calendar year	none	10% per invoice amount max. €500 deductible per calendar year or 25% per invoice amount max. €1,250 deductible per calendar year	10% per invoice amount max. €500 deductible per calendar year or 50% per invoice amount max. €1,000 deductible per calendar year
Outpatient
Outpatient medical treatment	100%	100%	100%	100%	100%	100%
Direct access to specialist care	100%	100%	100%	100%	100%	Primary physician principle 100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80% You may directly consult the following medical specialists: Ophthalmologists, dentists, gynecologists, psychotherapists, paediatricians.
Doctors’ fees	up to 5.0-fold	up to 5 times the rate	up to 5.0-fold	up to 3.5-fold	up to 3.5-fold	up to 3.5-fold
Dressings and medication	100%	100%	100%	100%	100%	100%
Medication prescribed directly by a medical specialist	100%	100%	100%	100%	100%	Primary physician principle 100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80% You may directly consult the following medical specialists: Ophthalmologists, dentists, gynecologists, psychotherapists, pediatricians.
Outpatient transportation costs	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500	rescue costs up to €2,500
Vision (e.g. glasses, contact lenses)	up to €300 in 2 years	up to €500 in 2 years	up to €500 in 2 years	up to €300 in 2 years	up to €300 in 2 years	up to €150 in 3 years
Elective Vision Correction Surgery (i. e. LASIK)	up to €750(per eye) from the 25th month within 24 months, before €500 (per eye) in the first 24 months & €250 per eye in the first 12 months	up to €5,000(both eyes together) in 5 years	up to €1,500(per eye) from the 25th month within 24 months, before that up to € 750 per eye	up to €1,000(per eye) from the 25th month within 24 months, before that up to € 500 per eye	up to €1,000(per eye) from the 25th month within 24 months, before that up to € 500 per eye	up to €500(per eye)from the 25th month within 24 months, before that up to € 250 per eye
General reimbursement for medical devices (i. e. hearing aids, wheelchairs)	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €2,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% up to €500 aids from €500 100% after approval, otherwise 75%. Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid shoe insoles: 2 pairs every 2 insurance years Custom orthopedic shoes: 4 pairs every 2 insurance years, minus €100 per pair
General reimbursement for therapy (i. e. massages, occupational therapy, physical therapy)	100%	100%	100%	100%	100%	Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80%
Alternative practitioner	100%up to €1,000 per insurance year	100%up to €2,000 per insurance year including osteopathic and chiropractic services by non-medical practitioners	100%up to €1,500 per insurance year including osteopathic services by non-medical practitioners	100%up to €1,000 per insurance year including osteopathic and chiropractic services by non-medical practitioners	100%up to €1,000 per insurance year including osteopathic services by non-medical practitioners	100%up to €500 per insurance year including osteopathic services by non-medical practitioners
Osteopathic services provided by non-medical practitioners		100%up to € 2,000 per insurance year including non-medical practitioner treatments	100%up to € 1,500 per insurance year including non-medical practitioner treatments	100%up to € 1,000 per insurance year including non-medical practitioner treatments	100%up to € 1,000 per insurance year including non-medical practitioner treatments	100%up to € 500 per insurance year including non-medical practitioner treatments
Alternative medicine by physicians	100%	100%	100%	100%	100%	Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service – otherwise 80%
Psychotherapy	75%reimbursement per session	100%for 50 sessions, 80%reimbursement per session from the 51th session	90%reimbursement for 50 sessions, 75%reimbursement per session from the 51st session	90%reimbursement for 25 sessions, 75%reimbursement per session from the 26th session	90%reimbursement for 25 sessions, 75%reimbursement per session from the 26th session	75%for a maximum of 50 sessions
Prior approval for psychotherapy	After the probationary sessions (no later than the 6th session) authorization required	no authorization required	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required	After the probationary sessions (no later than the 6th session) authorization required
Preventive medical checkups without age limit	excluding glaukoma screening
Preventative vaccinations for foreign travel
Fertility treatment		up to €3,000in the first 36 months, afterwards unlimited	up to €3,000in the first 36 months, afterwards unlimited	up to €3,000in the first 36 months, afterwards unlimited	up to €3,000in the first 36 months, afterwards unlimited
Prenatal classes, pregnancy and postnatal exercises	100%	100%	100%	100%	100%	100%
Birthing centers
Lump sum for childbirth		€600 per delivery	€600 per delivery	€400per delivery	€400per delivery
Inpatient
Treating physician	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)	Free choice of physician(including chief physician)
Better accommodation	private room	private room	private roomoptional: double room	double room	double room	double room
Inpatient services above the maximum rate (3.5 times)	up to 5.0-fold	unlimited	unlimited	up to 5.0-fold	up to 5.0-fold
Private clinic	up to 200% in accordance with the Hospital Remuneration Act (Krankenhaus­entgeldgesetz) or Federal Hospital Rate Regulation (Bundespflege­satzverordnung)	up to 200% in accordance with the Hospital Remuneration Act (Krankenhaus­entgeldgesetz) or Federal Hospital Rate Regulation (Bundespflege­satzverordnung)	up to 200% in accordance with the Hospital Remuneration Act (Krankenhaus­entgeldgesetz) or Federal Hospital Rate Regulation (Bundespflege­satzverordnung)	up to 150% in accordance with the Hospital Remuneration Act (Krankenhaus­entgeldgesetz) or Federal Hospital Rate Regulation (Bundespflege­satzverordnung)	up to 150% in accordance with the Hospital Remuneration Act (Krankenhaus­entgeldgesetz) or Federal Hospital Rate Regulation (Bundespflege­satzverordnung)	up to 150% in accordance with the Hospital Remuneration Act (Krankenhaus­entgeldgesetz) or Federal Hospital Rate Regulation (Bundespflege­satzverordnung), €150 personal cost per day
Accompanying person for children in hospital (rooming-in)	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limit on duration	Children up to 14 years,no limitation on duration
Replacement daily hospital benefits		€60 per day if private medical services are waived for the complete hospital stay €55 per day if separately billable accommodation is waived €35 per day if accommodation in a private room is waived	€60 per day if private medical services are waived (first class one-bed and first class twin-bed) for the complete hospital stay €55 per day if separately billable accommodation is waived €35 per day if accommodation in a private room is waived (first class one-bed)	€60 per dayif private medical services are waived €20 per dayif accommodation in a two-bed room is waived	€60 per dayif private medical services are waived €20 per dayif accommodation in a double room is waived	€60 per dayif private medical services are waived €20 per dayif accommodation in a double room is waived
Acute in-patient psychotherapy without required pre-approval	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)	(Exception: combined hospital and rehabilitation center)
Treatments in mixed hospitals without prior approval	pending prior approval	(Exception: psychotherapy)	(Exception: psychotherapy)	(Exception: psychotherapy)	(Exception: psychotherapy)	(Exception: psychotherapy)
Dental
Dental treatment	100%	100%	100%	100%	100%	100%
Dental prostheses (including inlays and implants)	60-90%	90%	90%	80%	80%	60%
Fee rates for dental services	up to 5.0-fold	up to 5.0-fold	up to 5.0-fold	up to 3,5-fold	up to 3,5-fold	up to 3,5-fold
Professional dental cleaning	2x per insurance year, max. €125 per treatment	100%unlimited reimbursement	2x per insurance year, max. €125 per treatment	2x per insurance year, max. €125 per treatment	2x per insurance year, max. €125 per treatment	1x per insurance year, max. €125 per treatment
Orthodontia	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80%	up to 100%before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 60%
Dental levels - Limitation for prostheses and dentures	max. €500 up to 12 months max. €1,000 up to 24 months after your insurance coverage begins max. €2,000 up to 36 months after your insurance coverage begins max. €3,000 up to 48 months after your insurance coverage begins max. €5,000 up to 60 months after your insurance coverage begins Does not apply for professional teeth cleaning and dental treatment	Max. € 1000 in the first year of insurance Max. € 2,000 in the first two years of insurance Max. € 4,000 in the first three years of insurance unlimited afterwards Does not apply for professional teeth cleaning and dental treatment	max. €500 up to 12 months after your insurance coverage begins max. €1000 up to 24 months after your insurance coverage begins max. €2000 up to 36 months after your insurance coverage begins max. €4000 up to 48 months after your insurance coverage begins unlimited from the 49th month after your insurace coverage begins Does not apply for professional teeth cleaning and dental treatment	Max. € 500 in the first year of insurance Max. € 1,000 in the first two years of insurance Max. € 2,000 in the first three years of insurance Max. €4,000 in the first four years of insurance unlimited afterwards Does not apply for professional teeth cleaning and dental treatment	max. €500 up to 12 months after your insurance coverage begins max. €1000 up to 24 months after your insurance coverage begins max. €2000 up to 36 months after your insurance coverage begins max. €4000 up to 48 months after your insurance coverage begins unlimited from the 49th month after your insurace coverage begins Does not apply for professional teeth cleaning and dental treatment	max. €500 up to 12 months after your insurance coverage begins max. €1000 up to 24 months after your insurance coverage begins max. €2000 up to 36 months after your insurance coverage begins max. €4000 up to 48 months after your insurance coverage begins unlimited from the 49th month after your insurace coverage begins Does not apply for professional teeth cleaning and dental treatment
Reimbursement for healing and cost planning	100%	100%	100%	100%	100%	100%
Dental technical services and coverage	100%	100%	100%	100%	100%	100%
Additional Full-Insurance Subjects
Preventive and curative electronic health services		max. €360within 36 months	max. €360within 36 months in First Class private room max. €180within 36 months in First Class double room
Follow-up treatment (outpatient + inpatient)
Additional rehabilitation measures (incl. outpatient + inpatient therapies)	max. €2,500during the total contract period	max. €5,000within 5 years	max. €5,000within 5 years	max. €5,000within 5 years	max. €5,000within 10 years	max. €5,000within 10 years (incl. withdrawal treatment)
Withdrawal treatment (outpatient + inpatient)	One treatment during the contract period (within 60 months)	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. 3 treatments within 10 yearsoptional inpatient services are not reimbursable	max. €5,000 within 10 years (incl. other rehabilitation measures) optional inpatient services are not reimbursable
Insurance protection for travel outside of the European Economic Area (EEA)	2 months at no extra charge (without extension)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)	6 months at no extra charge (extension with country-specific premium supplement possible)
Repatriation	organized by ottonova	organized by ottonova	organized by ottonova	organized by ottonova	organized by ottonova	organized by ottonova
Digital Health Applications		Reimbursement up to the amount also paid by the GKV		Reimbursement up to the amount also paid by the GKV
Daily Sickness Allowance
Amount of daily sickness allowance	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed	max. €315 per day for employed, max. €331 per day for self-employed
Possibility to increase daily sickness allowance without further health examination	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)	(except employees with a pay raise)
General dynamic - increase of daily sickness allowance without further health examination	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years	every 3 years 5%for the first time after 5 years
Daily sickness allowance in case of cure, rehabilitation, etc.	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work	in case of total incapacity for work
Additional payment period in case of occupational disability	3 months	3 months	3 months	3 months	3 months	3 months
Contribution exemption
Contribution-free during parental leave		up to 9 months
Exemption from premiums for newborns	(up to 4 months)	(up to 4 months)	(up to 4 months)	(up to 4 months)	(up to 4 months)	(up to 4 months)
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.

How to proceed now?

Book a call with our English-speaking insurance specialists and find out which plan works best for you.

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What makes ottonova the top-choice for expats?

Top-notch health benefits

including reimbursement of visual aids, dentures and private medical bills

Your savings potential

up to €3,746 per year compared to public insurance

English-speaking support

in real time

Zero paperwork

digital services in one app

Worldwide coverage

up to 6 months

High customer satisfaction

according to independent KUBUS study

Appointments with English-speaking doctors

booked for you

Fulfils all legal requirements for your visa

according to § 257 SGB V

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.

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.

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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.

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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.

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Private health insurance for employees in test

Quality-tested by a leading independent German rating agency.

• Top tariff quality

• Extensive benefits

• Very good rate stability

How to proceed now?

Book a call with our English-speaking insurance specialists and find out which plan works best for you.

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What are the main differences between public and private health insurance?

Public health insurance:

• Everyone can take out public 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:

• Employees with a salary above the annual income threshold of € 73,800, self-employed persons, civil servants and students are eligible for private 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.

Private health insurance made easy – for expats.

No German required. Just clear answers, expert guidance and real peace of mind. Book a free consultation today – and feel secure in Germany.

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Who can benefit from an expat health insurance plan in Germany?

The laws in Germany only allow residents with a limited residency permit to sign up for expat health insurance plans.

• If you are an expat here on a limited permit (Non-EU citizens with temporary visa working in Germany) and plan to stay in Germany less than five years – or simply not sure how long you'll be here - you can benefit from our expat health insurance plan: First Class Expats.
• If you are an EU citizen or plan on staying in Germany for longer than five years (no matter if EU- or Non-EU citizen), you can choose between our different long-term full-insurance options at ottonova: Premium Economy Class, Business Class Pro and First Class Pro+.

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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.

Private health insurance made easy – for expats.

No German required. Just clear answers, expert guidance and real peace of mind. Book a free consultation today – and feel secure in Germany.

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FAQ

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.

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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!

7 easy steps to ottonova. 100% digital.

And it's as simple as this:

1. make an appointment & have a consultation
2. submit application via premium calculator
3. answer health questions
4. check and conclude insurance contract
5. cancel your current insurance
6. activate account in your app: all documents at a glance
7. enjoy all the benefits of your new digital health insurance policy

Any questions left? Book a no-obligation consultation now

• English-speaking support in real time
• Quick, easy and free
• Our experts are looking forward to your questions.

Sorry, a problem has occurred. Please try again later.

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