Private health insurance for employees

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 € 69,300 . 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.

The process to get your finalized contract typically takes from an hour to 14 days. It depends on the individual case. You first have to submit an application for a tariff (including answers regarding your health status). After we checked your application you will receive your final contract.

If you have questions, feel free to book a non-binding consultation. Our sales team is happy to assist you during that process.

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 programmes
• 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.