Expat Health Insurance for Germany.
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Private health insurance for expats

What is covered by ottonova's expat health insurance?

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

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

Private health insurance for expats

What is covered by ottonova's expat health insurance?

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

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
Contribution refund	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.

Simply adapt your plan to your needs.

Personalize your ottonova plan with our add-ons to receive a daily sickness allowance and premium relief when you get older. The First Class plan includes the option of taking out top coverage with accommodation in a double room.

Premium relief

Pay less when you get older

We can answer your most important question. We do indeed offer premium relief for when you get older. Guaranteed. You can think of it as a big piggy bank, in which you can save capital as a buffer for old age. Best of all, your employer will contribute up to 50% to these additional savings.

More details

Daily sickness allowance

Compensation if you get sick

If you fall ill as an employee, your employer will usually compensate you financially for 42 days. However, in order to have longer-term illnesses covered, it would be prudent to take out daily sickness allowance insurance. We will then step in and compensate you for your lost income.

More details

Double room option

First class with a double room

If accommodation in a private room is less important to you, but you still want premium all-around health coverage, you could take out our First Class plan with the option of accommodation in a double room.

Flexible deductible for lower premiums

Deductible or excess means that you contribute a small percentage to your health care costs. This reduces your monthly premium, and you automatically pay less.

The good thing about ottonova: Your maximum deductible in private health insurance for employees applies to the entire year and not to each invoice. And dental care as well als preventive check-ups are excluded. This means that once the maximum yearly amount has been reached, you will no longer incur any deductible costs and you will be reimbursed 100% for all further invoices until the end of the year.

Option A

Popular with employees

0%

no deductible
(Only available in the Business Class Pro and First Class Pro+ tariffs)

Option B

10%

of each bill you pay maximum 500 € per year

Option C

25%

from each invoice you pay maximum 1.250 € per year (Not available in the Premium Economy fare)

Option D

50%

from each invoice you pay maximum 1..000 € per year (Only available in the Premium Economy fare)

Affordable today and tomorrow, too.

Because reliability is just as important to us as it is to you, we have set up our plans so that your premium remain affordable as you get older.

Built-in old-age provision

An average of 50% of your premiums are set aside for when you get older. This is more than with any other health insurance fund. (With our timely limited Expat tariff you don’t build old-age provision.)

Future-proof calculation

We have developed all of our plans to ensure maximum premium stability, as they realistically reflect the current low interest rate environment. Unique on the market.

Streamlined processes

State-of-the-art technology and optimized processes ensure lower administrative costs and allow us to continuously work on the future of ottonova.

Smart premium relief

Lower your premiums in old age by simply putting aside a little more today. You can do that with our add-ons for premium relief, which you can select during your online application process.

Listen to those who know.

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