Private health insurance for employees

Name: Private Krankenversicherung für Angestellte/Arbeitnehmer
Brand: ottonova
Rating: 4.8 (588 reviews)

The ideal health protection for employees

Better benefits and lower costs Excellent rates with 50% employer contribution
Affordable even in old age Stable premiums thanks to future-proof calculation
Private health insurance with top rating Top satisfaction - 95% recommendation

Discover tariffs now Free & non-binding consultation

Exemplary monthly rate for employees	Public insurance Basic insurance protection €604	€500 €1,000 deductible Premium Economy Good coverage with lowest premium €263 €500 €1,000 deductible	€500 €1,250 deductible Business Class Good price-performance ratio €295 €295 €500 €1,250 deductible	Experts' recommendation €0 deductible Business Class Pro Great performance without deductible €325 €325 €0 deductible	€500 €1,250 deductible First Class Excellent coverage €314 €314 €500 €1,250 deductible	Top performance €0 deductible First Class Pro+ Outstanding coverage without deductible €352 €352 €0 deductible
	Public insurance €604	Premium Economy €263	Business Class €295 €295	Business Class Pro €325	First Class €314 €314	First Class Pro+ €352

	Public insurance	Tariff Premium Economy	Tariff Business Class	Tariff Business Class Pro	Tariff First Class	Tariff First Class Pro+
deductible Adjust your deductible according to your individual needs.		10% 50% max €1,000 per year max €500 per year	0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25%	0% 10% 25% max €500 per year max €1,250 per year	0% 10% 25%
Contribution refund
Deductible	up to €10 co-payment for medicines, remedies and aids as well as per day in hospital, max. 2% of income, 1% for chronically ill patients	10% per invoice and max €500 per year 50% per invoice and max €1,000 per year	10% per invoice and max €500 per year 25% per invoice and max €1,250 per year	No deductible	10% per invoice and max €500 per year 25% per invoice and max €1,250 per year	No deductible
Monthly contribution	€604	€263	€295	€325	€314	€352
Contribution refund	none	none	none	up to 1 annual average monthly premium	none	up to 1 annual average monthly premium
Outpatient services
Appointment booking through our Concierge
Directly to the specialist, access to private doctors		via ottonova concierge
Corrective lenses, e.g. glasses/contact lenses		up to €150	up to €300	up to €300	up to €500	up to €500
Elective Vision Correction Surgery (for example, LASIK)		up to €1,000	up to €2,000	up to €2,000	up to €3,000	up to €5,000
Alternative practitioners		up to €500	up to €1,000	up to €1,000	up to €1,500	up to €2,000
Inpatient services
Free choice of doctor (including head of department)
Accommodation	Multi-bed room	Double room	Double room	Double room	Private or double room	Private room
Assumption of costs for treatment in private clinics
Dental services
Dental treatments	0 - 100 %	100%	100%	100%	100%	100%
Dental prostheses	10 - 65 %	60%	80%	80%	90%	90%
Professional dental cleaning	small subsidy possible	100% 1x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% 2x per insurance year, max. €125 per treatment	100% unlimited reimbursement
Other services
Bonus for preventive health care	potentially
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave	potentially					(up to 9 months when receiving parental allowance)
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 tariffs here. And for full descriptions of the ottonova tariffs click here. 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.

How to proceed now?

Talk to our experts or check out all benefits.

Free & non-binding consultation View all benefits

Isabel

ottonova insurance expert

Any questions?

Our experts will answer all your questions about private health insurance for employees.

089 121 407 12

Easily adapt your private health insurance tariff to your needs.

Personalize your ottonova tariff with our additional modules and get more out of your private health insurance.

Premium relief in old age

We have an answer to your most important question: Of course, we offer premium relief in old age. Guaranteed. You can think of it as a large savings pot in which you put aside capital as a buffer for old age. Best of all, your employer will contribute up to 50% of this additional savings.

More information about premium relief

Daily sickness benefits

If you fall ill as an employee, you are usually financially covered by your employer for 42 days in the event of illness. However, to be secure in case of a longer-term illness, it is advisable to take out a daily sickness allowance insurance. We will then step in and compensate you for the loss of income.

More information to daily sickness benefits

No-claim bonus

The First Class Pro+ and Business Class Pro tariffs include a no-claim bonus. You will receive this if you have not claimed any benefits other than professional dental cleanings, preventive check-ups (in accordance with statutory programs) and vaccinations (except vaccinations abroad) for one year.

More information about no-claim bonus

Flexible deductible for lower premiums

Deductible or excess means that you contribute a small percentage to your health care costs. This reduces your monthly premium, and you automatically pay less.

The good thing about ottonova: Your maximum deductible in private health insurance for employees applies to the entire year and not to each invoice. And dental care as well als preventive check-ups are excluded. This means that once the maximum yearly amount has been reached, you will no longer incur any deductible costs and you will be reimbursed 100% for all further invoices until the end of the year.

Option A

Popular with employees

no deductible
(Only available in the Business Class Pro and First Class Pro+ tariffs)

Option B

10%

of each bill you pay maximum €500 per year

Option C

25%

from each invoice you pay maximum €1,250 per year (Not available in the Premium Economy fare)

Option D

50%

from each invoice you pay maximum €1,000 per year (Only available in the Premium Economy fare)

Advantages of private health insurance for employees

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.

Private health insurance for employees with maximum security

Your data is safe with us.

Private health insurance for employees with maximum security

AES256-GCM Encryption
Data center in Germany
Authorized by BaFin

Private health insurance for employees in test

Quality-tested by a leading independent German rating agency.

Top tariff quality
Extensive benefits
Very good rate stability

Guide to health insurance for employees

Health insurance isn't a pair of sneakers. We'll help you make your decision.

First piece of information for you.

Why is private health insurance for employees a good choice?

Extensive treatments and reimbursements in case of benefits
Flexibility in the choice of tariff and premium amount
High reimbursement for dentures
Cost coverage for non-medical practitioners, glasses, treatments by chief physicians and more
Short waiting times at the doctor
Guaranteed benefits for life

When do employees have to choose between private or public health insurance?

During your career, your salary usually increases along with your professional experience. Public health insurance, where most of the employees are insured, then becomes noticeably more expensive for many occupational groups- without the benefits improving. At the latest after a salary increase to €6,150.00 gross per month, a look at private health insurance for salaried employees is interesting. Whether you qualify as a private patient depends on 2 important factors:

Income threshold (in German: Jahresarbeitsentgeltgrenze (JAEG)
Amount of gross income per year

Income limit for salaried employees

Currently, the limit for the annual income limit (JAEG) is €73,800 per year or €6,150.00 per month.

In addition to your salary, a Christmas bonus or vacation pay also count, provided your employer pays it regularly. The Federal Ministry of Labor and Social Affairs adjusts the compulsory insurance threshold/JAEG annually to the general wage development.

What requirements do employees have to meet when joining private health insurance?

Your income exceeds the compulsory insurance limit/JAEG.
You are exempt from compulsory insurance in public health insurance.
You have met all deadlines.
You have passed our health examination.

Each application for private health insurance for employees is individually reviewed and evaluated. Take advantage of our free, no-obligation consultation today and find out what your chances are of obtaining private health insurance from ottonova and how much you can save per year.

Is private health insurance for employees also worth it in terms of price?

The claim that private health insurance is unaffordable and more expensive than public health insurance is persistent. Compared to the public health insurance, the private health insurance offers better services - but does it really cost more?

Example calculation

This is the reality for a 32-year-old employee:

monthly income > €6,150.00
public health insurance premium: €603.62
ottonova First Class Tarif: €314

Your employer contributes to your private health insurance costs

In public health insurance, the employer pays 50% of the total premium for you. If you are privately insured as an employee, your employer also subsidizes your private health insurance with an employer's contribution. This also covers half of your total health insurance premium – but there is a maximum limit, based on the public health insurance contribution rate and the income threshold (€471.32).

What influences the private health insurance contribution the most?

Your private health insurance contribution depends on individual factors:

age
health history
coverage

What advantages do young professionals have with private health insurance for employees?

For young professionals, health insurance is certainly the most important insurance they need and therefore indispensable.

If you are interested in switching to private health insurance as a career starter and qualify for private health insurance, you will benefit from this decision in the long run. Young career starters in private health insurance build up age reserves for longer, often save on the risk surcharge, - and therefore, pay attractive premiums for excellent coverage guaranteed for life.

Still unsure? Let's make a call!

Get a non-binding & free consultation

Highlights of our digital private health insurance for employees

One app, endless possibilities, just a tap away.

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.

Learn more now

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.

Learn more now

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.

Learn more now

Frequently asked questions

Under the private health insurance system, every family member needs their own individual policy, and the cost (premium) is calculated based on each person's health and age when they enroll. Because of this, children's premiums are typically quite affordable. To insure your children in private health insurance can have a lot of advantages. Read more in our article about private health insurance for families!

Self-employed professionals and freelancers (exceptions may apply to artists, publicists, and farmers).
Civil servants (DE) and others persons entitled to benefits.
Employees with an income above the annual income threshold.
Students, provided they are exempt from public health insurance or are at least 25 years old.

ottonova offers rates made just for you. Check out our private health insurance tariffs.

ottonova offers comprehensive private health insurance for employees, self-employed and students, as well as supplementary insurance for persons eligible for benefits called "Beihilfe". We also offer supplementary insurance for anyone who prefers or is obliged to stay insured by public health insurance.

Feel free to book a non-binding consultation and we will be happy to advise you personally.

Lawmakers sets a minimum threshold every year, the so-called annual earning threshold. For employees, this is currently € 73,800 . If you earn more than that, you can take out private insurance. If your income falls below that, you will have to go back to public insurance. The threshold is raised annually. If you are no longer in the "green area" as a result of such a measure, you can get exempted from compulsory insurance within 3 months and stay with private health insurance.

Yes, provided you are not yet 55 years of age, and you are required to have health insurance. However, switching back to public health insurance may have its disadvantages. We would be happy to advise you on the subject. It's much harder to switch from the age of 55. Lawmakers have taken measures in this regard by introducing the basic coverage plan (Basistarif).

The so-called basic coverage plan was introduced in 2009. The basic coverage plan is like public health insurance in the private sector for private policyholders who are unable to pay their premiums, or who do not wish to pay more than they would for public health insurance. The coverage is identical to that offered by public health insurance. If you are in need of assistance, you may switch from a normal plan to the basic coverage plan.

If you don't wish to pay more than you would for public health insurance, you may do so from the age of 55 even if you are not in need of assistance. Thanks to the old-age provisions which you have accumulated over a long policy term, your basic coverage plan premium will be significantly below the maximum premium you would pay for public health insurance.

The premium payment procedure is different than in the public system. With private health insurance you pay the full premium to us at the beginning of the month. If you are employed, your employer will contribute their part to your health insurance through your salary.

Of course, your family is very welcome at ottonova. We have even come up with some special advantages for children and teenagers!

We have structured our plans such that your children will also get optimal coverage.

If you insure your family privately, you will need to pay a separate premium for each family member. As an employee, you will also get an allowance from your employer for your family's premiums.

All of your data is stored securely on a server in Germany. Only selected employees at ottonova have access to the data that is relevant to them. We only disclose your data with your consent, for example, when we make an appointment for you. This can be done conveniently via the Concierge service in your app.

Private Health Insurance: The process to get your finalized contract with us depends on your situation. Tariffs in private health insurance in Germany are based on the age when you enter the system and your health status. For some people it is possible to get the insurance already on the same day. If you have questions, feel free to book a non-binding consultation. Our sales team is happy to assist you during that process.

Dental Top-Up Insurance: Please take out your dental top-up insurance early enough. The monthly costs are manageable but you can save a lot of money in an insurance case. Our dental insurance plans have no waiting period, so you can go straight to the dentist. However, if treatment has already been started or advised, it is too late and we cannot cover the costs for this treatment.

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.

Health insurance premium: From the age of 60 the statutory surcharge ceases to apply.
The daily sickness allowance ceases from the start of retirement.
From then on, the premium relief component will reduce your premium month by month.
Health insurance subsidy: Retirees receive a subsidy of 7.3% from the retirement insurance fund as part of their retirement.

Every insured person in the First Class Pro+ and Business Class Pro plans for employees is entitled to a guaranteed no-claim bonus. The insurance coverage must have existed without interruption for the entire calendar year.

The amount of the guaranteed no-claim bonus is calculated as follows: The sum of the premiums paid (excluding the statutory surcharge) for the previous calendar year, divided by 12.

Precondition for the no-claim bonus: no claims must have been submitted in the previous calendar year. Of course, we want to support you in staying healthy and important preventive check-ups should not be neglected. That's why you can still take advantage of the following benefits and receive the no-claim bonus at the same time:

Professional dental cleanings according to GoÄ
Benefits for preventive check-ups according to statutory programs
Vaccinations (except travel vaccinations)

The premium refund will be paid out in the second half of the following year.

If you have any questions about whether an invoice affects the no-claim bonus, the ottonova concierge will be happy to help you. You'll find more information in our ottonova magazine.

In private health insurance, the deductible is the out-of-pocket amount you pay towards the costs. This means that the deductible is deducted from the reimbursement amount of the invoice. The deductible is often also referred to as the excess.

Our Business Class Pro and First Class Pro+ plans have no deductible.

More information on deductibles in private health insurance can be found in our magazine.

Private health insurance for employees

Benefits of private health insurance for employees

deductible

Contribution refund

Contribution refund

Outpatient services

Inpatient services

Dental services

Other services

How to proceed now?

Premium relief in old age

Daily sickness benefits

No-claim bonus

First piece of information for you.

Why is private health insurance for employees a good choice?

When do employees have to choose between private or public health insurance?

What requirements do employees have to meet when joining private health insurance?

Is private health insurance for employees also worth it in terms of price?

What advantages do young professionals have with private health insurance for employees?

Highlights of our digital private health insurance for employees

We'll do the work for you.

Digital doctor’s visit

Our app - a real multi-talent

Is my family included?

For whom is private health insurance suitable? Who can take out private insurance?

Can anyone take out an insurance policy with ottonova?

What if my income decreases?

Will I be able to switch back to public health insurance?

How do payments work? Different than public insurance?

Can I insure my family with ottonova?

Who has access to my data?

Can I have the insurance today?

Who is behind ottonova?

What happens to my premiums when I retire?

How does the guaranteed no-claim bonus at ottonova work for employees?

What is the deductible in private health insurance?