Private Health Insurance in Germany

Discover top-notch benefits of ottonova:

Medical treatments

• 100 % reimbursement for outpatient medical treatment and direct specialist treatment
• Free choice of physician and clinic as well as more physicians to choose from through access to private practices and clinics
• Reimbursement for many treatment methods in contrast to public health insurance in significantly more cases: e.g. acupuncture, alternative practitioners, chiropractors, elective vision correction surgery, as well as preventative treatments without age limits

Alternative healing methods

• We reimburse treatments from naturopaths with alternative treatment methods such as homeopathy or natural cures
• 100 % reimbursement for alternative medicine methods administered by a doctor

Medication

• You need medication? All prescribed medicines (as well as high-cost medicines) are reimbursed
• Your advantage: Even medicines that your doctor prescribes for you, which do not necessarily require a prescription, such as headache tablets or nasal spray, are also covered by ottonova

Natural healing methods and medical aids

• 100 % reimbursement for natural healing methods such as massages, physiotherapy, ergotherapy and more
• Do you wear glasses? We also cover the costs of vision aids like glasses or contact lenses with up to 500 € every 2 years, depending on the tariff
• Medical aids such as hearing aids, prosthetics or wheelchairs are also reimbursed at 100 %

Dental health

• 100 % coverage of dental treatments like fillings or root canals
• Would you like to have your teeth professionally cleaned? We reimburse you for professional dental cleanings up to two times per insurance year or as often as you want with our First Class Pro+ plan
• Up to 90 % reimbursement for dental implants like inlays, onlays, dental implants crowns, bridges or prosthetic teeth
• Does your child need braces? ottonova reimburses up to 100 % of orthodontic treatments for children (up to the age of 21)

Family & Pregnancy

• Fertility treatments reimbursement up to €3,000 during the first 36 month, afterwards unlimited (after prior approval in text form, in our Business and First Class plans)
• 100 % reimbursement for prenatal courses (also for partners), pregnancy and postnatal therapy
• Comprehensive prenatal diagnostics (3x during pregnancy)
• Midwifery services before, during and after the birth as well as intensive care up to three times a day
• If you would like to give birth in a birthing center, ottonova also offers corresponding services (Business and First Class plans)
• Lump sum for childbirth € 400 per delivery (Business Class plans) or € 600 per delivery (First Class plans)
• Many parents prefer to stay with their smaller children when they are being treated in a hospital. Therefore, we cover the accommodation costs for parental accompaniment (rooming-in). This applies to children up to 14 years of age
• With the First Class Pro+ plan, you pay no premiums for up to 9 months when you receive parental allowance

Insurance protection abroad

• Up to 6 months worldwide coverage at no extra charge
• Unlimited insurance coverage within the European Economic Area
• Reimbursement of medical transportation to Germany from foreign countries

Why is ottonova exactly the right choice?

92%

highly appreciate our online processes.*

86%

love the chat with the ottonova concierge.

99%

would recommend ottonova.*

4,4

award our customers for the consultation with ottonova.

4,7

awarded by our customers in the Appstore for our mobile apps.

* The figures come from our health X survey.

How can we help you?

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How do I use my private health insurance?

1. Use ottonova´s insurance card

You show your insurance card at the doctor's office.

2. Submit medical invoice digitally

Submit medical bills quickly and easily via the ottonova app.

3. Get your money back

You will receive your refund shortly.

ottonova makes your visa application simple!

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.

ottonova benefit

Fixed premiums guaranteed until end of 2026 – extended in popular tariffs

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.

Save time and money by choosing our digital private health insurance:

With English-speaking support in real time!

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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.

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 and First Class.

Get covered

How much does a private health insurance for expats cost?

You can save a lot of money if you sign up with ottonovas private medical insurance for expats and still get much better coverage compared to public health insurance. We even designed a special tariff for expats (with temporary visa) with a lot of benefits.
Just take a look at our tariffs and get a free consultation on our private health insurance options from our English-speaking support.

Which two tariffs would you like to compare?

Selected: 0/2

First Class Expats

€167

€500 deductible

Deductible

0 %

• for Non-EU Expats only
• Accommodation in private room
• Dental prostheses: 90%
• World-wide coverage up to 2 months

Select tariff for comparison

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%

Select tariff for comparison

Business ClassPro

€325

€0 deductible

Deductible

0 % 10 % 25 %

• Contribution refund
• Accommodation in double room
• Dental prostheses: 80%

Select tariff for comparison

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%

Select tariff for comparison

First ClassPro

€352

€0 deductible

Deductible

0% 10% 25%

• Contribution refund
• 9 months premium-free while on parental leave
• Accommodation in single room
• Dental prostheses: 90%

Select tariff for comparison

Premium Economy

€263

€1,000 €500 deductible

Deductible

10 % 50 %

• Accommodation in double room
• Specialist via ottonova concierge
• Dental prostheses: 60%

Select tariff for comparison

You selected the following tariffs:

Exemplary monthly rate for employees	Public insurance Basic insurance protection €604	Experts' recommendation €500 deductible First Class Expats Best coverage for Expats €167 €500 deductible	€500 €1,000 deductible Premium Economy Good coverage with lowest premium €263 €500 €1,000 deductible	€500 €1,250 deductible Business Class Good price-performance ratio €295 €295 €500 €1,250 deductible	€0 deductible Business Class Pro Great performance without deductible €325 €325 €0 deductible	€500 €1,250 deductible First Class Excellent coverage €314 €314 €500 €1,250 deductible	€0 deductible First Class Pro+ Outstanding coverage without deductible €352 €352 €0 deductible
	Public insurance €604	First Class Expats €167	Premium Economy €263	Business Class €295 €295	Business Class Pro €325	First Class €314 €314	First Class Pro+ €352
	Public insurance	Tariff First Class Expats	Tariff Premium Economy	Tariff Business Class	Tariff Business Class Pro	Tariff First Class	Tariff First Class Pro+
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%
No-claim bonus
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 and max €500 per year	10% per invoice and max €500 per year 50% per invoice and max €1,000 per year	10% per invoice and max €500 per year 25% per invoice and max €1,250 per year	No deductible	10% per invoice and max €500 per year 25% per invoice and max €1,250 per year	No deductible
Monthly contribution	€604	€167	€263	€295	€325	€314	€352
No-claim bonus	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 in 2 years	up to €150 in 3 years	up to €300 in 2 years	up to €300 in 2 years	up to €500 in 2 years	up to €500 in 2 years
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	potentially
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave	potentially						(up to 9 months when receiving parental allowance)
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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Many times awarded!

A wide range of awards and test results prove that ottonova is exactly the right choice:

Do you have any questions?

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! Just contact our team!

How can foreigners get healthcare in Germany?

In Germany, individuals who reside or work in the country for an extended period of time are required to possess health insurance. To comply with this requirement, it is necessary to register with the German authorities in your local area. During this process, you will receive a German social insurance number, which is essential for accessing the German healthcare system. The subsequent step involves enrolling with a health insurance fund to gain access to healthcare services.

The choice between private and public health insurance options or mandatory enrollment in public health insurance depends on your employment status and income.

Find out more in our article about the healthcare system in Germany.

Is health insurance mandatory for your visa and your stay in Germany?

In Germany, it is a legal obligation for all residents, including non-EU citizens, to have health insurance coverage. This requirement is not only essential for access to healthcare services but is also a prerequisite when applying for a visa to stay in the country. The penalties for not having health insurance in Germany can vary depending on the individual circumstances and the duration of non-compliance.

Firstly, individuals without valid health insurance may face fines imposed by the government or public authorities. These fines can accumulate over time until the individual obtains the necessary health insurance. Additionally, lacking health insurance can result in delayed or denied medical treatment, which can have serious health implications.

Moreover, non-compliance with health insurance requirements can adversely affect an individual's legal standing in Germany. It may impact visa renewals, residency permits, or future visa applications. Furthermore, individuals without health insurance may encounter challenges in various administrative and legal processes within the country.

To ensure legal compliance and access to essential healthcare services, it is crucial for everyone, especially non-EU citizens, to obtain the required health insurance coverage while residing or staying in Germany.

Are you covered by your foreign health insurance in Germany?

Non-EU citizens moving to Germany generally need to obtain German health insurance to qualify for a residence permit. Therefore, getting German health insurance is a crucial step upon your arrival. Some exceptions to these requirements apply to students.

If you are an EU citizen, your European Health Insurance Card (EHIC) covers you during short-term visits. However, once you register officially in Germany, it's essential to obtain local health insurance.

Still have questions? Book a call now!?

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Request a free personal consultation call.

We just need some more information in order to give you advice on the right tariff.

What's your name?

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First Name

Last Name

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