Simply the right plan.

At ottonova you can expect plans that are transparent and detailed. The choice is easy if you only want the best.

Tariffs for employees

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Premium Economy
PC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 80%
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See tariff
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Business Class
BC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 90%
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See tariff
First Class
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First Class
FC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Single room
  • Dental prostheses: up to 100%
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See tariff
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Premium Economy
PC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 80%
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See tariff
Business Class
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Business Class
BC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 90%
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See tariff
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First Class
FC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Single room
  • Dental prostheses: up to 100%
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See tariff
Expat First
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Expat First
Full Insurance
  • 24/7 English-support-team
  • Dental treatment 100%
  • Accommodation: 1 bed room
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See tariff
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Economy Class
ottonova Zahn 70
  • 100% Dental treatments
  • Dental prostheses: 70%-100%
  • 70 € dental cleaning per year
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See tariff
Business Class
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Business Class
ottonova Zahn 85
  • 100% Dental treatments
  • Dental prostheses: 85%-100%
  • 140 € dental cleaning per year
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See tariff
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First Class
ottonova Zahn 100
  • 100% Dental treatments
  • Dental prostheses: 100%
  • 180 € dental cleaning per year
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See tariff
Clinic double room
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Clinic double room
Top-up insurance
  • Accommodation: Double room
  • Chief physician treatment
  • Help at home
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See tariff
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Clinic single room
Top-up insurance
  • Accommodation: Single room
  • Chief physician treatment
  • Help at home
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See tariff

Wait a second. Isn't the public one good enough?

In principle, yes. You could always do with less. However, when it comes to the only health you have, less is definitely not more.

Your health in the best hands.

Public health insurance offers solid basic coverage. However, it only pays for a part of the costs of many services. Our plans can close this gap forever.

Access to doctors and specialists.

When you are sick, our top priority is that you get help quickly. As a private policyholder, you won't need to wait long or see different doctors. With our Business Class and Firsr Class tariff you will be able to go straight to the specialist.

Cutting-edge treatment methods.

You can rely on us to reimburse innovative therapies that will be invented in the future and bring benefits to your health. This is because ottonova is enthusiastic about innovations, being one itself.

Choose only the best for your children.

Over 20% of all ottonova consumers are families. With ottonova, they have opted for the best possible coverage for their loved ones.

FAQ

Do you like to know exactly what you're getting for your money? Then a private health insurance policy is right for you. All of your coverage is guaranteed as long as your policy is active - ideally for the rest of your life. Nobody can reduce your coverage. Rather, ottonova lets you partake in medical progress. You will, therefore, be entitled to effective future treatments that have not yet been invented today. Calculate your premium now without obligation.

Public health insurance does things differently. Here, coverage may change. Some benefits will then only be available against out-of-pocket payment, or you will need to pay for them entirely by yourself.

In Germany, long-term care insurance is required by law. Therefore, it is an essential part of any health insurance plan. If you are insured with ottonova's Premium Economy, Business or First Class as well as Expat plan, you automatically also have long-term care insurance. Our coverage corresponds to that of public long-term care insurance.

Check out what other services are covered by our plans.

We keep it simple and only offer a few plans. You can easily find out online which option is right for you. Enter your details into our online assistant to get an honest recommendation. (That option exists so far only in German.) But of course, you can also get personal advise from our english-speaking experts.

In principle, anyone who meets the requirements for private health insurance can take out our Premium Economy Class, Business Class or First Class plans. This is the case if your income is over €64,350, if you are self-employed, or if you take up your studies. You can then apply for insurance with ottonova.

You can also get ottonova insurance as a civil servant or if you are eligible for Beihilfe benefits. Our four plans take over where Beihilfe benefits stop.

We will need information about your job, your age, and your state of health. We will use this data to prepare a personal quote for you. You can choose freely between our plans depending on the coverage that is important to you.

Can calculate your premiums here.