Money saving made easy with the right health insurance for students

Get more for less money.

Your health is the most important thing you have. That's why we've built our plans to give you the best possible coverage in every situation.

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Study Smart

€111

€0 deductible

• Accommodation in double room
• €80 per year for professional dental cleaning
• €100 within 60 months for visual aids
• Continuation in another tariff without health check after the studies

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Study Protect

€110

€500 deductible

• Accommodation in double room
• € 125 per year for professional dental cleaning
• € 550 within 36 months for visual aids
• Continuation in another tariff without health check after the studies

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Experts' recommendation

Study Free

€127

€0 deductible

• Accommodation in double room
• € 125 per year for professional dental cleaning
• € 550 within 36 months for visual aids
• Continuation in another tariff without health check after the studies

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You selected the following tariffs:

Monthly premium approx.	Public insurance Basic insurance protection €140	Study Smart Fair and good tariff €111 €0 deductible	Study Protect Optimal protection with self deductible €110 €500 deductible	Experts' recommendation Study Free Optimal protection €127 €0 deductible
	Public insurance €140	Study Smart €111	Study Protect €110	Study Free €127
	Public insurance	Tariff Study Smart	Tariff Study Protect	Tariff Study Free
Outpatient
All doctors and appointments through our concierge
Direct to specialist, access to private physicians		via ottonova Concierge	via ottonova Concierge	via ottonova Concierge
Visual aids: e.g. glasses/contact lenses		up to €100 every 60 months	up to €550 every 36 months	up to €550 every 36 months
Alternative practioner			up to €2,000 in 36 months	up to €2,000 in 36 months
Inpatient
Free doctor's choice (inkl. chief physician)
Accommodation	Multi-bed room	Double-room	Double-room	Double-room
Dental
Dental treatment	0 - 100 %	100 %	100 %	100 %
Professional Dental Cleanings		1x each insurance year, maximum of €80 per treatment.	1x each insurance year, maximum of €125 per treatment.	1x each insurance year, maximum of €125 per treatment.
Dental implants	10 - 65 %	70 %	80 %	80 %
Other services
Worldwide protection and repatriation
Preventive medical checkups without age limits
Contractually guaranteed benefits
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 student tariffs here or the full description of the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff. 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 Study Smart Study Protect Study Free

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Your benefits with private health insurance by ottonova for students

Worldwide coverage

Are you about to go abroad for a semester? With ottonova you can enjoy worldwide health insurance coverage for up to 6 months at no extra charge.

Top price-performance ratio

With our Study Free tariff, you are ideally protected without a deductible! You also benefit from up to € 550 every 36 months for visual aids, reimbursement of dental treatments and up to € 125 per year for professional dental cleaning.

100 % digital and efficient

Our digital services save you time and nerves! Lightning-fast support and reimbursement of invoices via app, doctor video call, prescriptions and sick notes via app, perfectly organised without paperwork.

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Time-saving digital services
– all in one app.

In addition to ideal protection for your health, we offer you many innovative digital services - free of charge in our tariffs.

We do the work for you.

• Appointment service Our concierge arranges medical appointments for.
• Health advice Answers all your health and insurance questions.
• Service abroad fast and reliable everywhere at your side.

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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 the overview Find all tariff information in your profile at a glance and change it if necessary.
• Fast refunds of your invoices Simply upload your invoice via the app and get your money back in a flash.
• Perfectly organized, without paperwork We sort your documents and events chronologically in your app.

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Loved by our customers.

This is shown by the two studies by Focus Money and Kubus

That's why you can rely on us.

ottonova contributes to climate protection with many sustainable actions.

The ottonova premium guarantee

We will not increase the premiums for adults (over 21) in the tariffs First Class, Expat First Class, Business Class and Premium Economy, our Pro tariffs and our student tariffs until at least the end of 2025.

Best rating
for our insurances

This is what winners look like: 4x Stiftung Warentest test winner, 3x in a row the most satisfied customers by far, top marks from the leading comparison portal Check24.de, German private health insurance with the best performance at the best price, best customer service of all health insurers.

App with best ratings

One of the best apps on the market with 4.8 stars. Everything you need in one app.

Outstanding customer satisfaction

ottonova regularly receives excellent ratings from customers. We are particularly proud of these top customer satisfaction ratings.

Best protection during your studies

Insurance without the hassle of paperwork and the best medical coverage. Doesn't exist? Yes it does: with ottonova - the health insurance for the mobile age: digital, fast and with great savings potential.

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More information on private health insurance for students

What are the options for student health insurance?

The decisive factor is how you were insured before your studies:

• Variant 1: You are privately insured
  If you were privately insured before your studies, you can choose the student public health insurance and pay around €124 or decide for a student tariff of private health insurance. ottonova student tariffs are starting from less than €111. With private health insurance you’ll get a fair tariff with very good medical services during your studies. Especially if you expect a high starting salary or plan to start your own business after graduation, private health insurance is worthwhile.
• Variant 2: As a child of a civil servant you are entitled to benefits
  If you were previously insured in a private health insurance plan, you can continue this plan. At the age of 25, your entitlement to benefits ends and you can change to a favorable student tariff.
  If you want to remain in private health insurance after your studies, for example, because you want to become a civil servant, this is the right way to go. A change to public health insurance is only possible after graduation.

• Variant 3: You are in the family insurance
  In public health insurance of your parents, you remain free of charge family insured until the age of 25. After that you must insure yourself in the student health insurance of public health insurance. Working students who work more than 20 hours per week during the lecture period or earn more than 470 euros per month must insure themselves beforehand.
  If you want to remain in public health insurance after your studies, this is a good choice. With private supplementary insurance, you can supplement the benefits of your public health insurance.
  ottonova's top-up insurances for hospital and dental treatment ensure you the benefits of a private patient with very good value for money.

What is the procedure for taking out private health insurance for students?

1. check requirements

The requirement for taking out private health insurance for students is enrollment at a German university.
Further questions are: How were you insured up to now? Do you want it to stay that way during your studies?

2. plan for the future

How do you want to be insured later?

3. observe deadlines

If you want to take out private health insurance, you must apply for exemption from compulsory insurance within three months of enrolling

4. check Bafög subsidy for private health insurance

As a BAföG recipient, you receive a subsidy of 84 euros for health insurance and 25 euros for long-term care insurance.

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Why is private health insurance so inexpensive for students?

Student tariffs are particularly favorable because they do not yet build up aging reserves.

With many insurances, the tariff ends at the age of 34, with ottonova not until the age of 39.

ottonova benefit

Fixed premiums guaranteed until end of 2025 extended in many tariffs

Good news: we can extend our fixed premiums guarantee until at least the end of 2025 for adults (from 21 y.) in First Class, Business Class and Premium Economy tariffs (FC100, BC100 and PC100), for our Pro-tariffs and for our study tariffs.

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.

Because it's important to us that you feel well advised.

• Objective and fair advice
  We want you to choose us out of conviction.
• Expert insurance market comparison
  We help you understand differences in insurance

What can we advise you on?

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Private Insurance

Dental Top-up

Clinic Top-up

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less than €30,000

€30,000 - €73,800

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Thank you for your interest in ottonova, !

In Germany, the private health insurance income threshold for employees working in Germany is set by the Federal Ministry of Labour and Social Affairs (BMAS).

Unfortunately, we're not able to offer you private full-comprehensive health insurance, due to the information provided.

If you live in Germany and work remotely for a foreign employer, please contact us.

If you are insured in the public system in Germany, we can offer you our excellent top-up dental insurance - to cover the gaps in your public health insurance.

Discover our dental top-up tariffs

Thank you for your interest in ottonova, !

Unfortunately, we can not offer a student rate for your age group. Please contact us via chat for more information.

Do you have questions about supplementary insurance?

Just give us a call on +89 121 896 08 and we'll help you directly.

Or start the online signup right away. The process can still only be completed in german, but for support just contact us.

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