Perfect for younger adults.
Normally with a supplementary hospitalization insurance tariff, you make contributions to your old age reserves to ensure you can also pay your premiums in old age when most of the benefits are required. The Flex option has been specially developed for younger adults, such as those who are still in education. Here you don't initially contribute towards the latter years of your life, which makes the premium more affordable. You are then automatically switched to the Clinic 2-bed tariff on your 40th birthday and will start to contribute to your old age reserves. You can switch to one of ottonova’s other two Clinic tariffs at any time before this point if you’d like, and you won't need to have another medical examination.