CrewCare - Ottonova's corporate health insurance for employers
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CrewCare Ottonova's corporate health insurance for employers

Corporate Health insurance.
We cover your Crew.

Increase the attractiveness of your company and appreciate your employees by offering them ottonova CrewCare.

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You've already made up your mind and want to sign up straight away? Go straight to Xempus

CrewCare - Highlights

Corporate health insurance has never been that easy.

From as few as 5 employees, ottonova's corporate health insurance offers a flexible health budget for companies. The tariff is a great addition to both public and private insurance holders. Your employees receive the full yearly budget even if they take out the insurance during the year.

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The highlights of ottonova CrewCare at a glance.

No waiting period or health check

Employees benefit from the full health budget right from the start, without having to go through a waiting period or health check.

Visual aids and digital health applications

Cover for visual aids, such as glasses and contact lenses as well as digital health applications, in the amount of € 200 to € 300 per year (depending on budget level).

Dental prostheses and dental cleanings

Reimbursement for all types of dental treatment, such as dental prostheses, teeth cleaning, and bleaching.

Real-time customer support

The Concierge is your one-stop shop for information and support about your health and insurance.

CrewCare - Details

The tariff in detail - The budget model

The cooperation with Xempus allows employers to optimally use ottonova's CrewCare tariff setting different annual health budgets individually and flexibly for single employee groups. A total of five different budget levels are available, with all offering the same benefits.

Yearly budget 300 € 600 € 900 € 1.200 € 1.500 €
Employer premium 13,21 € 22,55 € 31,18 € 38,75 € 44,04 €

*Premiums are independent of the age of the insured person. Exemption from premium payment is possible for a maximum of 12 months per child during parental leave, family care leave, sabbatical, or long-term unemployment.

Visual aids

glasses and contact lenses are covered up to € 200 per year at 100%. The benefit increases by € 25 per budget level.

Alternative practitioners

The CrewCare tariff also covers up to 100% of the costs of alternative practitioner treatments.

Hearing aids

Hearing aids are also covered by CrewCare, including any co-payments.

Dental treatments

Dental treatments, such as root canal or periodontal treatments, are also covered up to the maximum rate.

Dental prostheses

Dental prostheses, such as inlays or implants can be expensive and are covered at 100% under the CrewCare plan.

Dental prophylaxis

We reimburse 100% for prophylactic services at the dentist's office, including professional teeth cleaning and bleaching up to €125.

Digital Health

Employees have an annual budget of € 200 for digital health applications. It increases by € 25 per budget level.

Medical aids

Medically prescribed aids, such as hearing aids, crutches, or wheelchairs, are insured at 100%, including any co-payments.

Pharmaceuticals / cures

All medically prescribed remedies and medicines are also covered by ottonova corporate health insurance without any co-payments.

Corporate health insurance

CrewCare: The entire crew wins.

The ottonova CrewCare tariffs can be taken out by companies with 5 or more employees and thus provide the best possible cover for the health of their "crew". Both public and private health insurance employees will benefit from this additional health protection.

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Do you have any questions?

We'll do everything we can to help you make an informed decision.

Contact one of our experts now or alternatively request a consultation appointment with us.

Get a consultation now
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Marius Schemken

Companies till 500 employees
Mon-Fri from 9am till 4pm
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Armin Molla

Companies from 500 employees
Mon-Fri from 9am till 4pm

Our assistance services

Quick and easy access to company health insurance.

We also offer you individual one-on-one advice on the perfect solution for your company.

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You have already decided and want to sign up directly?

Start the Xempus registration process now

It's easy to provide ottonova CrewCare for your employees.

All you must do as an employer is sign a contract with us and pay the monthly premium. The benefits are then processed directly between us and your employees.

Contract closure

You conclude the contract independently with Xempus


You divide your employees into groups and assign one budget level of our tariff to each group

Conclusion / registration

Employees are registered by you via Xempus

We take the work off your hands.

We provide your employees with onboarding to health budget and digital services of the ottonova app.

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  • offers the tariff
  • prepares new policies and contract amendments
  • communicates with employers and employees
  • reimburses claims payments
  • offers other information material


  • independently and digitally concludes the framework contract and registers employees/groups
  • manages all contracts and
  • business transactions in the online manager
  • pays the premiums to the insurer


  • are informed and activated online by their employer
  • register independently with ottonova
  • check their budget and submit invoices via the app
  • receive extensive services from the ottonova portfolio

Manage corporate health insurance yourself.

Xempus offers you a clear presentation of your group contracts and administrative units, including all insured employees. So you have everything in view at all times and save time and effort.

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Directly to the Xempus Manager

The Xempus Manager is used for the complete processing of the contract. Employees can be added or removed.

Now to the Xempus Manager

Highlights of our digital private health insurance

One app, endless possibilities, just a tap away.

We'll do the work for you.

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.
Digital doctor’s visit

Digital doctor’s visit

  • Doctor on Video Call You don't want to leave the house? No problem. Our doctors will help you digitally.
  • Save time Receive diagnoses, sick notes and prescriptions via telemedical consultation.
  • Second opinion Is the surgery really necessary? We will get you an informed second opinion.
Our app - a real multi-talent

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.

Frequently asked questions

Do you fancy your health insurance at the moment? No? Just imagine living in a world where your health insurance is as much a part of you as your smartphone. And just as easy to use.

If you're sick, you can get an initial assessment in seconds via chat. If necessary, the concierge will arrange a doctor's appointment, which will appear in your app's timeline. You scan the bill with your cell phone and have your money in your account within two days - prepayment is usually no longer necessary. Or you can simply go to the doctor's appointment digitally via videostream, with ottonova covering the costs. That's unique.

Our comprehensive insurance plans provide you with excellent coverage. The premiums are not surprisingly low, but they remain more stable when you get old. We are the health insurance that makes being insured easy and pleasant for you. Best medical services at the best price.

Here's a quick comparison. The established insurance companies are associated with a lot of legacy policies and cumbersome systems. That makes them slow, complicated, and inflexible. That is also the reason why the topic of health insurance triggers one thing in particular: a headache. ottonova does several things differently. Our modern IT systems make us fast and agile. We are starting with a new pool of policyholders and innovative features.

Our aim: Every time anyone contacts us should be an all-around pleasant experience. This involves ottonova reducing the complexity of the industry to an understandable level. We speak plainly and do not hide behind long, confusing paragraphs. See for yourself.

ottonova was founded in 2015 by Dr. Roman Rittweger (physician & MBA holder), Sebastian Scheerer (designer), and Frank Birzle (computer scientist). Even though they all come from different backgrounds, they share a common vision: To create health insurance that sets new standards.

It's not something that can just be done by old-school insurance salespeople. That is why ottonova employs not only insurance experts and mathematicians, but also programmers, physicians, and designers. It is precisely this exceptional team that creates the fertile ground for our innovative strength. Together, we pursue our vision and come up with fresh, exciting ideas. It really is a blast!

Yet despite all our enthusiasm, we never lose the ground underneath our feet. Our insurance is rock solid. This is guaranteed by our employees' long-standing experience. They are all experts in their respective fields, including in the field of insurance.

We are a young company and we know our craft. See for yourself and calculate your premium without obligation.

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