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	for Non-EU Expats only First Class Expats	Top performance First Class Pro+	First Class	Experts' recommendation Business Class Pro	Business Class	Premium Economy
	First Class Expats	First Class Pro+	First Class	Business Class Pro	Business Class	Premium Economy
Contribution refund	none	up to 1 annual average monthly premium	none	up to 1 annual average monthly premium	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 principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80%
Doctors' Fees	up to 5 times the rate	up to 5 times the rate	up to 5 times the rate	up to 3.5 times the rate	up to 3.5 times the rate	up to 3.5 times the rate
Medication	100%	100%	100%	100%	100%	100%
Medication prescribed directly by a medical specialist	100%	100%	100%	100%	100%	Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80%
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 and €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	100% up to €500 aids from €500 100% after approval, otherwise 75% Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid Shoe inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 4 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 inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.	100% up to €500 aids from €500 100% after approval, otherwise 75% Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid Shoe inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.	100% up to €500 aids from €500 100% after approval, otherwise 75% Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid Shoe inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.	100% up to €500 aids from €500 100% after approval, otherwise 75% Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid Shoe inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.	100% up to €500 aids from €500 100% after approval, otherwise 75% Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid Shoe inserts: 2 pairs every 2 insurance years Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
General Reimbursement for therapy (i.e. massages, ergotherapy)	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 including osteopatic services by non-medical practitioners	100% up to €2,000 per insurance year including osteopatic and chiropractic services by non-medical practitioners	100% up to €1,500 per insurance year including osteopatic services by non-medical practitioners	100% up to €1,000 per insurance year including osteopatic and chiropractic services by non-medical practitioners	100% up to €1,000 per insurance year including osteopatic services by non-medical practitioners	100% up to €500 per insurance year including osteopatic services by non-medical practitioners
Osteopatic 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% reimburse­ment for 50 sessions, 80% reimburse­ment per session from the 51st 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
Fertility Treatments		up to €3,000 during the first 36 month, afterwards unlimited	up to €3,000 during the first 36 month, afterwards unlimited	up to €3,000 during the first 36 month, afterwards unlimited	up to €3,000 during the first 36 month, afterwards unlimited
Prenatal Courses, Pregnancy and Postnatal Therapy	100%	100%	100%	100%	100%	100%
Birthing centers
Lump sum for childbirth		€600 per delivery	€600 per delivery	€400 per delivery	€400 per 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 room, optional: double room	double room	double room	double room
Inpatient services above the maximum rate (3.5 times)	up to 5 times the rate at most	unlimited	unlimited	up to 5 times the rate at most	up to 5 times the rate at most
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 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 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 old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration	Children up to 14 years old, no limitation on duration
Replacement daily hospital benefits		€60 if private medical services are waived €35 if accommo­dation in a private room is waived €20 if accommo­dation in a double room is waived	€60 if private medical services are waived (First Class one-bed and First Class twin bed) €35 if accommo­dation in a private room is waived (First Class one-bed) €20 if accommo­dation in a double room is waived (First Class one-bed and First Class twin-bed)	€60 if private medical services are waived €20 if accommo­dation in a double room is waived	€60 if private medical services are waived €20 if accommo­dation in a double room is waived	€60 if private medical services are waived €20 if accommo­dation in a double room is waived
Acute in-patient psychotherapy without Required Pre-Approval	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)	(Exception: combined hospital and rehabilitation centers)
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-fold	up to 5-fold	up to 5-fold	up to 3,5-fold	up to 3,5-fold	up to 3,5-fold
Professional dental cleanings	100% 2x per insurance year, max €125 per treatment	100% unlimited reimbursement	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% 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 after your insurance coverage begins 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 from the 49th month after your insurance coverage begins till 60th month of insurance does not apply for professional teeth cleanings and dental treatments	max. €1,000 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 does not apply for professional teeth cleanings and dental treatments	max. €500 up to 12 months after your insurance coverage begins 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. €4,000 up to 48 months after your insurance coverage begins unlimited from the 49th months on does not apply for professional teeth cleanings and dental treatments	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 does not apply for professional teeth cleanings and dental treatments	max. €500 up to 12 months after your insurance coverage begins 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. €4,000 up to 48 months after your insurance coverage begins unlimited from the 49th months on does not apply for professional teeth cleanings and dental treatments	max. €500 up to 12 months after your insurance coverage begins 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. €4,000 up to 48 months after your insurance coverage begins unlimited from the 49th months on does not apply for professional teeth cleanings and dental treatments
Reimbursement for healing and cost planning	100% with previous approval of treatment and cost schedule also for smaller measures else 60%	100%	100%	100%	100%	100%
Dental technical services during dental treatment	100%	100%	100%	100%	100%	100%
Additional Full-Insurance Subjects
Preventive and curative electronic health services		max. €360 within 36 months	max. €360 within 36 months in First Class private room max. €180 within 36 months in First Class double room
Follow-up treatment (outpatient + inpatient)
Additional rehabilitation measures (incl. outpatient + inpatient therapies)	up to. €2,500 during the contract period	max. €5,000 within 5 years	max. €5,000 within 5 years	max. €5,000 within 10 years	max. €5,000 within 10 years	max. €5,000 within 10 years (incl. withdrawal treatment)
Withdrawal treatment (outpatient + inpatient)	One treatment during the contract period	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. 3 treatments within 10 years optional inpatient services are not reimbursable	max. €5,000 within 10 years (incl. other rehabilitation measures) optional inpatient services are not reimbursable
Preventive medical checkups without age limit
Preventative vaccinations for foreign travel
Insurance cover outside 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
Deductibles (not applicable for dental services, preventive health screenings, medical devices, outpatient psychotherapy)	10% per invoice amount up to a €500 deductible/­calendar year	no deductible	10% per invoice amount up to a €500 deductible/­calendar year or 25% per invoice amount up to €1,250 deductible/­calendar year	no deductible	10% per invoice amount up to a €500 deductible/­calendar year or 25% per invoice amount up to €1,250 deductible/­calendar year	10% per invoice amount up to a €500 deductible/­calendar year or 50% per invoice amount up to a €1,000 deductible/­calendar year
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 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)
Guaranteed premium refund
Guaranteed premium refund		(maximum 1 annual average monthly premium, excluding the statutory surcharge)		(maximum 1 annual average monthly premium, excluding the statutory surcharge)
Satisfaction guarantee
Satisfaction guarantee	no aging provisions in this tariff
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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