Forget the myths,
enjoy the benefits!

Get more, pay less.
Save up to €3,746 per year.

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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

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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%

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Business ClassPro

€325

€0 deductible

Deductible

0 % 10 % 25 %

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

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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%

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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%

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Premium Economy

€263

€1,000 €500 deductible

Deductible

10 % 50 %

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

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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+

Please select 2 Tariffs

Myth Check:
What you really need to know about private health insurance

There are plenty of myths about private health insurance — but not all of them are true. Too expensive? Not worth it? Only for high earners? We’re breaking down the most common myths and showing you why ottonova’s private health insurance could be a smart choice for you.
Let’s check the facts! 🚀

Private health insurance too expensive in old age.

No worries, that’s not true! Private health insurance (PKV) is designed with integrated mechanisms to keep premiums affordable as you age:

• Sustainable premium calculation: ottonova’s tariffs are calculated conservatively with a realistic interest rate of 1.25% or 1.75%, considering the current financial market and BaFin regulations.
• Retirement savings within your PKV: On average, 50% of your premiums at ottonova are set aside for your future, ensuring financial security in old age.
• Additional premium relief option (BEK): Reduce your premiums later by contributing a bit more today. With our premium relief option, you can lower your monthly payments by €200 from age 67 onwards—and the best part? Your employer covers half of the costs.
• Built-in premium reductions: At 60, the statutory 10% surcharge on contributions is dropped. Once you retire, sick pay insurance is no longer required, and you can apply for an 8.1 % subsidy from the statutory pension insurance.
• Independent of demographic shifts: Unlike public health insurance, PKV members finance their healthcare and retirement provisions themselves, making private insurance unaffected by demographic changes.

Switching to private health insurance is not worth it?

By calculating your premium independently of your income, you could save up to 200 € per month compared to public health insurance and at the same time receive a higher range of benefits for your health! 

• Those who earn well share a maximum contribution of around €1,174.16 per month (childless, incl. additional contribution and long-term care insurance) in public health insurance with their employer - or bear the costs alone as a freelancer or self-employed person.
• In private health insurance, you could save up to € 3,746 per year, because your contribution is calculated independently of your income.  
• In private health insurance, you can benefit from a much more comprehensive health coverage: depending on the plan, benefits might include dental treatments incl. teeth cleaning, acupuncture, treatments by alternative practitioners and chiropractors, dental prostheses, subsidy for glasses, chief physician treatment, preventive medical checkups without age limits and more.
• Your contribution depends on your health status at the time of enrollment, the coverage you want, and—most importantly—the age at which you join. The earlier you switch to private health insurance, the lower your monthly premium.

I can never switch back to public health insurance? 

It’s always said that you can never get out of private health insurance, but that’s simply not true!

There are definitely circumstances under which you can switch back to statutory health insurance. This mainly depends on your age, employment status, and/or income.

Over 55:

• If you’re over 55 years old, switching back to statutory health insurance is almost impossible.

• However, in a few rare cases, it’s possible if you’re eligible for family insurance.

Under 55:

• If your salary as an employee falls below the income threshold, you must switch back to statutory health insurance.

• Self-employed individuals can return to statutory insurance if they start working full-time again and earn less than €73,800.

• Under certain conditions, you can also be covered through family insurance via your spouse.

Private health insurance is not worth it with a family?

You think private health insurance isn’t worth it for families? That’s not true!
Even with up to two children, you could still save with ottonova—and enjoy top-tier health benefits for both you and your family!

What benefits do children get with ottonova's private health insurance?

Children enjoy the same great benefits as their parents. Here are some highlights:

• Quick specialist appointments and reimbursement for private doctor bills? Absolutely! With ottonova, you can even have a video call with a doctor at any time—including evenings and weekends.
• Need medication? All prescribed medications are reimbursed.
• Prefer natural medicine? Private health insurance is perfect for those who prefer alternative treatments.
• Your child needs to be hospitalized? With ottonova, this difficult situation becomes much easier, as many plans include free rooming-in, so you don’t have to leave your child alone.
• Want extra security as a parent? You have the option to get a free second opinion.
• Does your child need braces? ottonova covers up to 100% of orthodontic treatment for children up to the age of 21.

Private health insurance is not worth it for women?

Admittedly, private health insurance used to be a male-dominated field, and in the old bisexual tariffs, women paid more than men. But since the introduction of unisex tariffs, that’s no longer the case and as a woman, you can benefit from private health insurance (PKV) just as much as men do.

Overview of selected benefits of ottonova’s private health insurance for women:

• More comprehensive preventive care than in statutory health insurance—and usually not age-dependent

• Reimbursement for childbirth preparation courses, pregnancy gymnastics and postnatal recovery

• Comprehensive prenatal diagnostics (up to 3 times during pregnancy)
• Delivery allowance of €400 (Business Class plans) or €600 per delivery (First Class plans)
• Up to 9 months of premium exemption while receiving parental benefits (First Class Pro+)
• Chief physician treatment during hospital stays
• Faster access to specialists: Statutory insured individuals wait an average of 25 days for an appointment, while private insured individuals only wait 12.
• Reimbursement for private doctor bills
• Up to 100% coverage for dental bills
• Retirement savings: With PKV, you’re saving for your retirement with your contributions, protecting yourself from high costs in old age. Unlike statutory insurance (GKV), you’re more independent from demographic changes and rising healthcare costs.

Private health insurance kicks you out when you get sick?

That’s not true!

The myth that your private health insurance (PKV) can cancel your contract due to high costs or a sudden illness after you’ve signed up is persistent—but it’s simply not the case.

Here’s the truth: No private health insurance can drop you just because you get sick or have an accident. As long as you provided accurate information on the health questions during the application process, your contract is binding and cannot be canceled by the insurer.

And don’t worry, your individual premium cannot be increased just because you incur higher costs due to a sudden illness.

While premium adjustments do occur (both in private and statutory health insurance) due to rising healthcare costs, they are never applied to individual customers. Premium increases are subject to strict legal requirements and cannot be arbitrary.

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Why ottonova private insurance with ottonova is worthwile for you

Top-notch health benefits

including reimbursement of visual aids, dentures and private medical bills

Your savings potential

up to €3,746 per year compared to public insurance

English-speaking support

in real time

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 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:

• Basically, anyone can be insured under statutory health insurance (GKV).
• However, the benefits in statutory health insurance are not guaranteed and can be changed by the legislator at any time.
• Your premium depends on your salary, meaning the more you earn, the higher your contribution will be (up to a maximum contribution). High earners share this maximum contribution of around €1,174.16 (2025, childless, including additional contribution and long-term care insurance) with their employer—or bear the full cost as self-employed individuals.

Private health insurance:

• Employees with a salary above the annual income threshold of €73,800, self-employed persons, civil servants and students are eligible for private insurance.
• In private health insurance, you benefit from comprehensive top-tier coverage
• Your premium is calculated independently of your salary. What matters are your health status at the time of entry, the level of coverage you want, and most importantly - your entry age. The earlier you switch to PKV, the lower your monthly premiums will be.

What our customers say

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's covered?

Discover top-notch benefits for your health!

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

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.

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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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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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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FAQ

How can I sign up?

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.

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What happens to my contract if I leave?

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!

Which tariff should I choose?

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!

Why is the Expat tariff cheaper?

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.

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Why is the Expat tariff only available for non-EU expats?

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.

How often do premiums increase?

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.

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Can I sign up from abroad?

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.

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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!

Can I have top-up insurance with ottonova?

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.

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