Most probably you do. In the statutory health insurance your premium depends on your salary. The more you earn, the more you pay. If you are privately insured with ottonova, you could enjoy savings potential and top-tier coverage.
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In the public health system, your contribution depends on your salary and it can reach up to €1,261.31 a month which you share with your employer. As a self-employed person, you must cover the full costs yourself.
With ottonova, your monthly premium does not depend on your salary. What counts, is your current health status, the desired scope of benefits and - most importantly: your age of entry. The earlier you decide to switch to ottonova private health insurance, the lower your monthly premiums will be.
In principle, yes – if you are satisfied with less. But when it comes to health, "less is more" does not apply.
Public health insurance gives you a solid basic protection. However, it covers many health services only in part. With our tariffs, you can close this gap forever.
If you are sick, quick help is our top priority. As a privately insured person, you avoid long waiting times and having to get referrals from general physicians. Instead, you can go directly to the specialist doctor of your choice.
You can count on us reimbursing innovative therapies, that don't exist today, in the future. We are enthusiastic about innovations – after all, we are one ourselves.
More than 20 % of all ottonova customers are families and have chosen ottonova for the best possible protection for their loved ones.
Then get a consultation now and let our team help you find the right tariff for you!
Good news: we’re extending our fixed premiums guarantee until at least the end of 2026 – for our Pro-tariffs and our study tariffs. Enjoy continued premium stability in all tariffs covered by this guarantee.
We have designed a new kind of health insurance for expats that offers you extensive coverage, time-saving digital services and English-speaking support.
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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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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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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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.
Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply arrange a call with one of our experts to find out how much you can save.
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