Private Health Insurance Germany.
Made Better.

Are you working in Germany or planning to work here? If so, health insurance is legally required. Discover our comprehensive private health insurance options for EU- and non-EU citizens residing and working in Germany. You could even save significantly compared to public insurance while receiving excellent coverage.

English-speaking support & app To make your life easier
Legally sound for your visa Eligibility for work visa

For EU-citizens For Non-EU-citizens

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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 € 1,174.16 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 € 73,800, 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.