Your ideal health insurance solution for expats in Germany.

New to Germany or planning to move? Our private health insurance offers you hassle-free coverage with full English-speaking support. Say goodbye to the complexities of insurances and hello to affordable, more comprehensive coverage designed for your needs.

  • Save up to €4,371 a year on premiums compared to public health insurance

  • Excellent medical coverage with outstanding tariffs

  • No paperwork sign up online and use the app

auszeichnung bester kundendienst krankenkassen deutschland test focus money Blue ribbon-shaped badge with white trophy icon and text 'Popular with Expats' – recognition for expat-friendly insurance services Blue badge with text: fixed premiums guaranteed until end of 2026 for all ottonova pro health insurance tariffs
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Who can benefit from an health insurance plan in Germany?

Expat health insurance:

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.

Private health insurance:

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.

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Siegel der Stiftung Warentest mit der Bewertung Sehr Gut (1,0) fuer den Tarif FCPro+ KTA43/150 PVN von ottonova. Die Bewertung stammt aus der Zeitschrift Finanztest Ausgabe 03/2025. Zu sehen ist das rote Stiftung-Warentest-Logo mit weissem T sowie die Domain www.test.de
Blue badge with text: fixed premiums guaranteed until end of 2026 for all ottonova pro health insurance tariffs

Why ottonova private insurance with ottonova is worthwhile for you

Top-notch health benefits

including reimbursement of visual aids, dentures and private medical bills

Illustration Schwein

Your savings potential

up to €4,371 per year compared to public insurance

English-speaking support

in real time

Illustration ottonova Logo

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

ottonova expat tariff meets all legal visa requirements in Germany

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.

Are you ready to be part of ottonova's digital health insurance?

Go ahead now to save time and money by choosing our digital private health insurance, with English-speaking support in real time!

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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 € 1,261.31 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 € 77,400, 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.

Premium health insurance for little money.

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.

Which two tariffs would you like to compare?

Selected: 0/2

First Class Expats
€196
€500 deductible
Deductible
  • for Non-EU Expats only
  • Accommodation in private room
  • Dental prostheses: 90%
  • World-wide coverage up to 2 months
Business ClassPro
€331
€0 deductible
Deductible
  • Contribution refund
  • Accommodation in double room
  • Dental prostheses: 80%
First ClassPro
€358
€0 deductible
Deductible
  • Contribution refund
  • 9 months premium-free while on parental leave
  • Accommodation in single room
  • Dental prostheses: 90%
Premium Economy
€284
€500 deductible
Deductible
  • Accommodation in double room
  • Specialist via ottonova concierge
  • Dental prostheses: 60%
Stiftung
WarentestNote 1,0
You selected the following tariffs:
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. 		Now simply personalize:

max €500 per year

max €500 per year

max €500 per year

max €1,250 per year

No deductible selected

max €500 per year

max €1,250 per year

No deductible selected

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 €648 €196 €284 €321 €331 €333 €358

No-claim bonus

none none none none up to 1 annual average monthly premium none up to 1 annual average monthly premium
Savings compared to statutory health insurance*
€364 mtl.
€327 mtl.
€317 mtl.
€315 mtl.
€290 mtl.
*For 32-year-old employees with the following plan options: €150 daily sickness benefit starting on the 43rd day and €200 in premium relief starting at age 67, with no risk surcharge.
How much is your personal contribution?

Your age, daily sickness benefits, premium relief in old age, and your health condition determine your individual premium.

Calculate individual premium Get comprehensive advice

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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Choose a tariff to compare

You would like to know how high your contribution is with us?

Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply tell us your age and employment status to find out how much you can save.

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What our customers say

Blue badge with text: fixed premiums guaranteed until end of 2026 for all ottonova pro health insurance tariffs
Fixed premiums guaranteed until end of 2026 for all study tariffs
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.

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.

Comparison chart: ottonova private health insurance monthly premium versus three public health insurance monthly premiums for employees in Germany, showing cost advantage of ottonova business class tariff

You want to know more about the benefits ottonova has to offer?

Then get a free consultation now and let our team help you find the right tariff for you!

Get a consultation

What's covered?

Discover top-notch benefits for your health!

  • 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
  • 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
  • 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
  • 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 %
  • 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)
  • 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
  • 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

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.

Screenshot of an English-language support chat in the ottonova app. The user asks about coverage duration for international travel. The concierge replies that ottonova covers medical expenses abroad up to 6 months, based on the agreed contract terms.

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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App-Feature von ottonova für die Video-Call-Funktion mit einer Ärztin

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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Mobile app screen showing upcoming medical events including checkups, dentist visits, and a reminder for travel vaccinations.

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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Personal advice, that really helps you out.

Sign up for a free consultation with our English-speaking insurance experts to find the best tariff for you.

Get a consultation

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

FAQ

To help you with our online sign-up process, we'll set up an appointment to chat on the phone. We can answer any questions you might have, and guide you through the steps, one at a time.

Get a Consultation now!

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!

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!

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.

Get a Consultation to get started!

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.

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.

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.

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.

We can help you write your cancellation letter for your current insurer and send it to you by email. Piece of cake!

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!

Personal advice, that really helps you out.

Sign up for a free consultation with our English-speaking insurance experts to find the best tariff for you.

Get a consultation