Private health insurance for expats in Germany.

The ideal private health insurance for expats

In Germany having a health insurance is mandatory, also for expats with temporary visa. Our private health insurance for expats offers you possibilites to save money while getting much better coverage compared to public health insurance.
Are you an EU citizen or do you plan to stay in Germany for more than 5 years? Then check out our other private health insurance options!

  • Special expat rates And excellent coverage

  • Full digital support In English & without paperwork

ottonova hero image
GSEM Kubus Wiwo

All about the expat tariff

What is the ottonova expat health insurance tariff?

We offer a special private health insurance expat tariff for foreigners who are in Germany on a limited visa.

Normally, private health insurance plans help you to save for your future by building aging reserves ("Altersrückstellungen"): Private health insurance in Germany is based on age and health when entering the system. Once you have a private health insurance, due to the aging reserves, premiums will not increase because of you aging or having more medical needs.

However, if you are here on a visa we assume that you will not be in Germany more than a maximum of five years. If you are only planning on staying in Germany for a short time - less than 60 months - there is no need to set this extra money aside. So we can offer you a special private health insurance plan for expats without aging reserves.

Which two tariffs would you like to compare?

Selected: 0/2

First Class Expats
€167
€500 Deductible
  • for Non-EU Expats only
  • Accommodation in private room
  • Dental prostheses: 90%
  • World-wide coverage up to 2 months
Select tariff for comparison
Experts' recommendation
Business Class Pro
€325
€0 Deductible
Deductible
  • Contribution refund
  • Accommodation in double room
  • Dental prostheses: 80%
Select tariff for comparison
Top performance
First Class Pro+
€352
€0 Deductible
Deductible
  • Contribution refund
  • 9 months premium-free while on parental leave
  • Accommodation in single room
  • Dental prostheses: 90%
Select tariff for comparison
Premium Economy
€263
€500 Deductible
Deductible
  • Accommodation in double room
  • Specialist via ottonova concierge
  • Dental prostheses: 60%
Select tariff for comparison

How much does a private health insurance for expats cost?

You can save a lot of money if you sign up with ottonovas private medical insurance for expats and still get much better coverage compared to public health insurance. We even designed a special tariff for expats (with temporary visa) with a lot of benefits.
Just take a look at our tariffs and get a free consultation on our private health insurance options from our English-speaking support.

You selected the following tariffs:
Exemplary monthly rate for employees
Public
insurance
Basic insurance
protection
€541
Experts' recommendation
€500 SB
First
Class Expats
Best coverage
for Expats
€167
€500 Deductible
€500 SB
Premium
Economy
Good coverage
with lowest premium
€263
€500 Deductible
€500 €1,250 SB
Business
Class
Good price-performance ratio
€295 €295
€500 €1,250 Deductible
€0 SB
Business
Class Pro
Great performance without deductible
€325 €325
€0 Deductible
€500 €1,250 SB
First
Class
Excellent
coverage
€314 €314
€500 €1,250 Deductible
€0 SB
First
Class Pro+
Outstanding coverage without deductible
€352 €352
€0 Deductible
Public
insurance
€541
First
Class Expats
€167
Premium
Economy
€263
Business
Class
€295 €295
Business
Class Pro
€325
First
Class
€314 €314
First
Class Pro+
€352

Deductible

Adjust your deductible according to your individual needs.

max €500 per year

max €500 per year

max €500 per year

max €1,250 per year

max €500 per year

max €1,250 per year

Contribution refund

Contribution refund

none 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 €300 every 2 years 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 €1,000 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 Private 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% 100%
Dental prostheses 10 - 65 % 60 - 90% 60% 80% 80% 90% 90%
Professional dental cleaning small subsidy possible 100%
2x per insurance year, max. €125 per treatment
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 eventual
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave eventual (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.

Get a consultation View full coverage

Who can benefit from an expat health insurance plan in Germany?

ottonova offers the special expat tariff of its private health insurance for Non-EU citizens with temporary visa working in Germany. The tariff is aimed in particular at employees and self-employed persons who meet the requirements for private comprehensive health insurance and are planning a stay of up to 5 years in Germany. You should consider our expatriate health insurance if you belong to the following groups:

1.

Employees

Employees whose gross income is above the annual earning threshold (€69,300 per year or €5,775 per month as of 2024) and who qualify for private health insurance in Germany.

2.

Self-employed professionals and freelancers

Self-employed persons who meet the requirements for private comprehensive health insurance in Germany.

3.

Post-Docs and Researchers

Highly qualified professionals who qualify for private health insurance. Also students who meet the requirements for private comprehensive health insurance can apply for the ottonova expat health insurance.

4.

Dependents of ottonova insured persons

Dependents of a person insured under a private health insurance plan with ottonova.

The laws in Germany only allow residents with a limited residency permit to sign up for expat health insurance plans. Unfortunately, this means we can only offer this special private health insurance tariff to expats who are here on a permit, and not those who can live in Germany without any type of visa (NON-EU citizens). If you are an expat here on a limited permit and plan to stay in Germany less than five years – or simply not sure how long you'll be here - you can benefit from the expat health insurance plan.

If you plan on staying in Germany for longer than five years, you can choose between different long-term full-insurance options at ottonova. All of our private health insurance tariffs are solid and built to last. Our tariffs are Premium Economy Class, Business Class and First Class.

How to get an expat health insurance?

To help you with our online sign-up process, we'll set up an appointment to chat on the phone. We can answer any questions you might have, and guide you through the steps, one at a time.

What are the benefits of ottonova's expat health insurance?

ottonova is a digital private health insurance, built to make your life easier and paperwork free. Manage your health in a single app, with full support in English, so you can focus on the important things in life.

1.

Your English-speaking support team

Our friendly teammates will help you navigate the German health insurance system, help you find English-speaking doctors in your area, and answer all of your insurance and health-related questions.

2.

Legally sound for your visa

Private health insurance from ottonova meets all legal requirements for your visa according to § 257 SGB V. One less obstacle to overcome. Some insurances require long term visas before you can sign up with them. Not ottonova. We accept not only customers with short-term visas, but also if you want to extend it.

3.

All benefits of a private comprehensive health insurance

As an expat, you can benefit from all the services of the ottonova private comprehensive health insurance - at a discounted rate.

4.

Easy tariff change if you stay longer in Germany

If you plan to stay longer than 5 years, you can switch from the expat tariff to our First Class, Business Class or Premium Economy health insurance tariff at any time without additional risk assessment.

Additional services of the ottonova expat health insurance.

ottonova is there for you, wherever you are. You can easily access all of ottonova's features and services from your smartphone.

Concierge team
Timeline App Screen
  • Ulrike Leicht lächelndes Gesicht
  • Andrea Rotes Herz
  • Matthias Sprechblase
Concierge team

Your personal Concierge team.

Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the Concierge is there to help and assist through our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.

Get a consultation
Telemedicine appointments
Timeline App Screen
Telemedicine appointments

English-speaking doctor on a video call.

Struggling to find doctors that speak English? Just use our app for a video call and receive a diagnosis, treatment plans, and even sick notes for work.

Of course, you can still go see the doctor of your choice in person if you want.

Get a consultation
Fast reimbursement
Unlock App Screen
Jetzt
MESSAGE
Your Bank You have received €155,94 from ottonova.
Fast reimbursement

Lightning-fast
reimbursement of your bills.

Get your money back within a few days? This is a pipe dream with other insurers. ottonova makes this dream a reality! Simply upload your bill via the app and receive the money for your claim long before you are due to pay your doctor.

Get a consultation
No paperwork
Timeline App Screen
No paperwork

Your health, at a glance.

On the timeline you will see a chronological overview of all significant interactions with ottonova as well as reminders for your upcoming appointments. Keep an eye on your health – wherever you are.

Get a consultation

Our ebook about the German health insurance system.

You finally want all information about the German health insurance system and the differences between statutory and private health insurance? Then our ebook is just the right thing for you. In English please oder doch lieber auf deutsch? Du kannst dich entscheiden.

Expat ebook

Private or public health insurance

Which system is right for you? All you need to know about the German health insurance system.

Private health insurance for expats

What is covered by ottonova's expat health insurance?

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

Private health insurance for expats

What is covered by ottonova's expat health insurance?

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

Adjust your selection
for Non-EU Expats only
First
Class Expats
Premium
Economy
Business
Class
Experts' recommendation
Business
Class Pro
First
Class
Top performance
First
Class Pro+
Contribution refund
none none none max. one annual average monthly premium (excluding the statutory surcharge) none max. one annual average monthly premium (excluding the statutory surcharge)
Deductible

10% per invoice amount up to a €500 deductible/­calendar year

10% per invoice amount max. €500 deductible per calendar year

or

50% per invoice amount max. €1,000 deductible per calendar year

10% per invoice amount max. €500 deductible per calendar year

or

25% per invoice amount max. €1,250 deductible per calendar year

none

10% per invoice amount max. €500 deductible per calendar year

or

25% per invoice amount max. €1,250 deductible per calendar year

none

Outpatient

Outpatient medical treatment 100% 100% 100% 100% 100% 100%
Direct access to specialist care 100% Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80% 100% 100% 100% 100%
Doctors' Fees up to 5 times the rate up to 3.5 times the rate up to 3.5 times the rate up to 3.5 times the rate up to 5 times the rate up to 5 times the rate
Medication 100% 100% 100% 100% 100% 100%
Medication prescribed directly by a medical specialist 100% Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80% 100% 100% 100% 100%
Outpatient transportation costs rescue costs up to €2,500 rescue costs up to €2,500 rescue costs up to €2,500 rescue costs up to €2,500 rescue costs up to €2,500 rescue costs up to €2,500
Vision (e.g. glasses, contact lenses) up to €300 in 2 years up to €150 in 3 years up to €300 in 2 years up to €300 in 2 years up to €500 in 2 years up to €500 in 2 years
Elective Vision Correction Surgery
(i.e. Lasik)
up to €750 (per eye) from the 25th month within 24 months

before €500 (per eye) in the first 24 months and €250 per eye in the first 12 months
up to €500 (per eye) from the 25th month within 24 months

before that up to €250 per eye
up to €1,000 (per eye) from the 25th month within 24 months

before that up to €500 per eye
up to €1,000 (per eye) from the 25th month within 24 months

before that up to €500 per eye
up to €1,500 (per eye) from the 25th month within 24 months

before that up to €750 per eye
up to €5,000 (both eyes together) in 5 years
General reimbursement for medical devices 100% up to €500 aids
from €500 100% after approval, otherwise 75%

Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid
Shoe inserts: 2 pairs every 2 insurance years
Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
100% up to €500 aids
from €500 100% after approval, otherwise 75%

Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid
Shoe inserts: 2 pairs every 2 insurance years
Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
100% up to €500 aids
from €500 100% after approval, otherwise 75%

Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid
Shoe inserts: 2 pairs every 2 insurance years
Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
100% up to €500 aids
from €500 100% after approval, otherwise 75%

Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid
Shoe inserts: 2 pairs every 2 insurance years
Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
100% up to €500 aids
from €500 100% after approval, otherwise 75%

Hearing aids: up to €1,000 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid
Shoe inserts: 2 pairs every 2 insurance years
Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
100% up to €500 aids
from €500 100% after approval, otherwise 75%

Hearing aids: up to €2,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid
Shoe inserts: 2 pairs every 2 insurance years
Custom orthopaedic shoes: 4 pairs every 4 insurance years, minus €100 per pair.
General Reimbursement for therapy (i.e. massages, ergotherapy) 100% Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80% 100% 100% 100% 100%
Alternative practitioner 100% up to €1,000 per insurance year including osteopatic services by non-medical practitioners 100% up to €500 per insurance year including osteopatic services by non-medical practitioners 100% up to €1,000 per insurance year including osteopatic services by non-medical practitioners 100% up to €1,000 per insurance year including osteopatic and chiropractic services by non-medical practitioners 100% up to €1,500 per insurance year including osteopatic services by non-medical practitioners 100% up to €2,000 per insurance year including osteopatic and chiropractic services by non-medical practitioners
Osteopatic services provided by non-medical practitioners 100% up to €500 per insurance year including non-medical practitioner treatments 100% up to €1,000 per insurance year including non-medical practitioner treatments 100% up to €1,000 per insurance year including non-medical practitioner treatments 100% up to €1,500 per insurance year including non-medical practitioner treatments 100% up to €2,000 per insurance year including non-medical practitioner treatments
Alternative medicine by physicians 100% Primary physician principle100% reimbursement for treatment by your primary physician or use of the ottonova concierge service; otherwise 80% 100% 100% 100% 100%
Psychotherapy 75% reimburse­ment per session 75% for a maximum of 50 sessions 90% reimburse­ment for 25 sessions, 75% reimburse­ment per session from the 26th session 90% reimburse­ment for 25 sessions, 75% reimburse­ment per session from the 26th session 90% reimburse­ment for 50 sessions, 75% reimburse­ment per session from the 51st session 100% reimburse­ment for 50 sessions, 80% reimburse­ment per session from the 51st session
Prior approval for psychotherapy
ottonova tip: Use the ottonova concierge service on your smartphone app to have your documents checked by us.">
After the probationary sessions (no later than the 6th session) authorization required After the probationary sessions (no later than the 6th session) authorization required After the probationary sessions (no later than the 6th session) authorization required After the probationary sessions (no later than the 6th session) authorization required After the probationary sessions (no later than the 6th session) authorization required no authorization required
Preventive medical checkups without age limit
Preventative vaccinations for foreign travel
Fertility Treatments up to €3,000 during the first 36 month, afterwards unlimited up to €3,000 during the first 36 month, afterwards unlimited up to €3,000 during the first 36 month, afterwards unlimited up to €3,000 during the first 36 month, afterwards unlimited
Prenatal Courses, Pregnancy and Postnatal Therapy 100% 100% 100% 100% 100% 100%
Birthing centers
Lump sum for childbirth €400 per delivery €400 per delivery €600 per delivery €600 per delivery

Inpatient

Treating physician Free choice of physician (including chief physician) Free choice of physician (including chief physician) Free choice of physician (including chief physician) Free choice of physician (including chief physician) Free choice of physician (including chief physician) Free choice of physician (including chief physician)
Better accommodation private room double room double room double room private room, optional: double room private room
Inpatient services above the maximum rate (3.5 times) up to 5 times the rate at most up to 5 times the rate at most up to 5 times the rate at most unlimited unlimited
Private clinic up to 200% in accordance with the Hospital Remuneration Act (Kranken­haus­entgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) up to 150% in accordance with Hospital Remuneration Act (Kranken­hausentgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) €150 personal cost per day up to 150% in accordance with the Hospital Remuneration Act (Kranken­haus­entgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) up to 200% in accordance with the Hospital Remuneration Act (Kranken­haus­entgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) up to 200% in accordance with the Hospital Remuneration Act (Kranken­haus­entgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) up to 200% in accordance with the Hospital Remuneration Act (Kranken­haus­entgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung)
Accompanying person for children in hospital (rooming-in) Children up to 14 years old, no limitation on duration Children up to 14 years old, no limitation on duration Children up to 14 years old, no limitation on duration Children up to 14 years old, no limitation on duration Children up to 14 years old, no limitation on duration Children up to 14 years old, no limitation on duration
Replacement daily hospital benefits €60 if private medical services are waived
€20 if accommo­dation in a double room is waived
€60 if private medical services are waived
€20 if accommo­dation in a double room is waived
€60 if private medical services are waived
€20 if accommo­dation in a double room is waived
€60 if private medical services are waived (First Class one-bed and First Class twin bed)
€35 if accommo­dation in a private room is waived (First Class one-bed)
€20 if accommo­dation in a double room is waived (First Class one-bed and First Class twin-bed)
€60 if private medical services are waived
€35 if accommo­dation in a private room is waived
€20 if accommo­dation in a double room is waived
Acute in-patient psychotherapy without required pre-approval (Exception: combined hospital and rehabilitation centers) (Exception: combined hospital and rehabilitation centers) (Exception: combined hospital and rehabilitation centers) (Exception: combined hospital and rehabilitation centers) (Exception: combined hospital and rehabilitation centers) (Exception: combined hospital and rehabilitation centers)
Treatments in mixed hospitals without prior approval
ottonova Advantage: You only need prior approval if you are going for psychotherapeutic treatment.

ottonova Tip: Use the ottonova concierge service for any approvals.">
pending prior approval (Exception: psychotherapy) (Exception: psychotherapy) (Exception: psychotherapy) (Exception: psychotherapy) (Exception: psychotherapy)

Dental

Dental treatment 100% 100% 100% 100% 100% 100%
Dental prostheses (including inlays and implants) 60 - 90% 60% 80% 80% 90% 90%
Fee rates for dental services up to 5-fold up to 3,5-fold up to 3,5-fold up to 3,5-fold up to 5-fold up to 5-fold
Professional dental cleanings 100% 2x per insurance year, max €125 per treatment 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
Orthodontia up to 100% before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90% up to 100% before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 60% up to 100% before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80% up to 100% before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80% up to 100% before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90% up to 100% before the age of 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%
Dental levels - Limitation for prostheses and dentures max. €500 up to 12 months after your insurance coverage begins
max. €1,000 up to 24 months after your insurance coverage begins
max. €2,000 up to 36 months after your insurance coverage begins
max. €3,000 up to 48 months after your insurance coverage begins
max. €5,000 from the 49th month after your insurance coverage begins till 60th month of insurance

does not apply for professional teeth cleanings and dental treatments
max. €500 up to 12 months after your insurance coverage begins
max. €1,000 up to 24 months after your insurance coverage begins
max. €2,000 up to 36 months after your insurance coverage begins
max. €4,000 up to 48 months after your insurance coverage begins
unlimited from the 49th months on

does not apply for professional teeth cleanings and dental treatments
max. €500 up to 12 months after your insurance coverage begins
max. €1,000 up to 24 months after your insurance coverage begins
max. €2,000 up to 36 months after your insurance coverage begins
max. €4,000 up to 48 months after your insurance coverage begins
unlimited from the 49th months on

does not apply for professional teeth cleanings and dental treatments
max. €500 in the first year of insurance
max. €1,000 in the first two years of insurance
max. €2,000 in the first three years of insurance
max. €4,000 in the first four years of insurance

does not apply for professional teeth cleanings and dental treatments
max. €500 up to 12 months after your insurance coverage begins
max. €1,000 up to 24 months after your insurance coverage begins
max. €2,000 up to 36 months after your insurance coverage begins
max. €4,000 up to 48 months after your insurance coverage begins
unlimited from the 49th months on

does not apply for professional teeth cleanings and dental treatments
max. €1,000 in the first year of insurance
max. €2,000 in the first two years of insurance
max. €4,000 in the first three years of insurance

does not apply for professional teeth cleanings and dental treatments
Reimbursement for healing and cost planning 100% with previous approval of treatment and cost schedule also for smaller measures
else 60%
100% 100% 100% 100% 100%
Dental technical services during dental treatment 100% 100% 100% 100% 100% 100%

Additional Full-Insurance Subjects

Preventive and curative electronic health services max. €360 within 36 months in First Class private room max. €180 within 36 months in First Class double room max. €360 within 36 months
Follow-up treatment (outpatient + inpatient)
Additional rehabilitation measures (incl. outpatient + inpatient therapies) up to. €2,500 during the contract period max. €5,000 within 10 years (incl. withdrawal treatment) max. €5,000 within 10 years max. €5,000 within 10 years max. €5,000 within 5 years max. €5,000 within 5 years
Withdrawal treatment (outpatient + inpatient) One treatment during the contract period max. €5,000 within 10 years (incl. other rehabilitation measures)
optional inpatient services are not reimbursable
max. 3 treatments within 10 years
optional inpatient services are not reimbursable
max. 3 treatments within 10 years
optional inpatient services are not reimbursable
max. 3 treatments within 10 years
optional inpatient services are not reimbursable
max. 3 treatments within 10 years
optional inpatient services are not reimbursable
Insurance cover outside the European Economic Area (EEA) 2 months at no extra charge (without extension) 6 months at no extra charge (extension with country-specific premium supplement possible) 6 months at no extra charge (extension with country-specific premium supplement possible) 6 months at no extra charge (extension with country-specific premium supplement possible) 6 months at no extra charge (extension with country-specific premium supplement possible) 6 months at no extra charge (extension with country-specific premium supplement possible)
Repatriation organized by ottonova organized by ottonova organized by ottonova organized by ottonova organized by ottonova organized by ottonova
Digital Health Applications Reimbursement up to the amount also paid by the GKV Reimbursement up to the amount also paid by the GKV

Daily sickness allowance

Amount of daily sickness allowance max. €315 per day for employed, max. €331 per day for self-employed max. €315 per day for employed, max. €331 per day for self-employed max. €315 per day for employed, max. €331 per day for self-employed max. €315 per day for employed, max. €331 per day for self-employed max. €315 per day for employed, max. €331 per day for self-employed max. €315 per day for employed, max. €331 per day for self-employed
Possibility to increase daily sickness allowance without further health examination (except employees with a pay raise) (except employees with a pay raise) (except employees with a pay raise) (except employees with a pay raise) (except employees with a pay raise) (except employees with a pay raise)
General dynamic - increase of daily sickness allowance without health examination every 3 years 5% for the first time after 5 years every 3 years 5% for the first time after 5 years every 3 years 5% for the first time after 5 years every 3 years 5% for the first time after 5 years every 3 years 5% for the first time after 5 years every 3 years 5% for the first time after 5 years
Daily sickness allowance in case of cure, rehabilitation, etc. in case of total incapacity for work in case of total incapacity for work in case of total incapacity for work in case of total incapacity for work in case of total incapacity for work in case of total incapacity for work
Additional payment period in case of occupational disability 3 months 3 months 3 months 3 months 3 months 3 months

Contribution exemption

Contribution-free during parental leave (up to 9 months when receiving parental allowance)
Exemption from premiums for newborns (up to 4 months) (up to 4 months) (up to 4 months) (up to 4 months) (up to 4 months) (up to 4 months)

Satisfaction guarantee

Satisfaction guarantee no aging provisions in this tariff
This is a summary of the coverage details with maximum rates and reductions. Please note that this table is not conclusive. You will find all tariff-details such as the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff.

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. The terms and conditions of the individual insurance contract shall prevail and apply.

Adjust your rate with our daily sickness allowance.

Personalize your ottonova rate with our add-on for a daily sickness allowance.

Daily sickness allowance
Daily sickness allowance

Compensate your salary when you're sick

If you're self-employed, you know the issue: Once you're sick, your salary drops to zero. To some extent, this also applies if you're employed: After six weeks, your employer will stop paying you. In this case, our daily sickness allowance kicks in and ottonova compensates your salary - so you can fully focus on getting healthy again.

More information

Your Welcome Guide to Germany

All you need to know about living in Germany: We put together an essential life admin for you, so you can understand and embrace the German peculiarity when moving to the country that loves bureaucracy, beer and bread.

Expat Welcome Guide

Your Welcome Guide

We put together an essential life admin for you, so you can understand and embrace Germany's peculiarities.

Reviews of our customers with expat health insurance.

FAQs to the expat health insurance

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!

Health insurance is a mandatory requirement for all residents in Germany, including expatriates. The choice between the two main types of health insurance, the statutory health insurance (gesetzliche Krankenversicherung, GKV) and private health insurance (private Krankenversicherung, PKV), is a personal one with pros and cons for both options. Expats in Germany must have health insurance. Ultimately, the best choice depends on individual needs and circumstances.

Public health insurance is the predominant option in Germany and is funded by contributions from both employees and employers. Employees in Germany are automatically enrolled in statutory health insurance, and the costs are based on income and household size. Private health insurance is an alternative for individuals earning more than €66,600 per year or those who are self-employed. Private health insurance offers more extensive coverage options compared to statutory health insurance.

Germany has several private health insurance companies. It is essential to compare policies and coverage options, ensuring the chosen company is reputable and financially stable. Your health insurance card of your insurance company is crucial for accessing medical care in Germany. Always carry it with you when visiting doctors or hospitals.

You need more information about the advantages of both options? Check out our article public vs. private health insurance!

You're free to go! No wiggling out of a tricky contract, no matter which health insurance tariff you choose. If you leave Germany sooner, simply contact us and attach your deregistration form from the German Immigration Office - an Abmeldungsbescheinigung. We'll close your contract and wish you the best of luck on your journey. Promise!

As a regulated health insurance, we cannot just increase premiums any time we want. Premiums can increase when actual health costs in general differ more than 5% from what we calculated. This can only happen due to inflation and rising medical costs.

However, this will never happen for single individuals but rather for all insured people at the same time. Specifically, we cannot increase your premiums because you get sick or because you get older. We also cannot terminate your contract for those reasons. We guarantee you coverage for a lifetime when you sign up.


Get a consultation now!

You can start your sign-up process from abroad. As soon as you arrive in Germany, we will organize a general check-up with an English-speaking nurse for you. When we receive the results, we will be able to finalize your policy.

Get a Consultation now!

Definitely! ottonova is a fully licensed German health insurance and fulfills all regulatory requirements, unlike other providers such as Mawista, Cigna or Allianz Worldwide Care.

We are regulated in § 257 SGB V, which is necessary for your visa applications. This also includes the Expat tariff.

We can help you write your cancellation letter for your current insurer and send it to you by email. Piece of cake! Just contact our team!

If you’re insured in the public system, we can also offer you one of our top-up insurances. We can offer Dental Top-Up and Hospital Top-Up tariffs. You can give us a call and we will help you find the best option for you!

In Germany, individuals who reside or work in the country for an extended period of time are required to possess health insurance. To comply with this requirement, it is necessary to register with the German authorities in your local area. During this process, you will receive a German social insurance number, which is essential for accessing the German healthcare system. The subsequent step involves enrolling with a health insurance fund to gain access to healthcare services.

The choice between private and public health insurance options or mandatory enrollment in public health insurance depends on your employment status and income.

Find out more in our article about the healthcare system in Germany.

Not obtaining health insurance is against the law and can result in significant expenses. If you are discovered to be residing in Germany without health insurance, you may be required to pay retroactive premiums to cover the entirety of your stay.

Germany offers two primary types of health insurance: statutory health insurance (Gesetzliche Krankenversicherung - GKV) and private health insurance (Private Krankenversicherung - PKV).

Statutory Health Insurance (GKV) is compulsory for most residents with income below a defined threshold. Contributions are income-dependent and are shared between individuals and their employers. GKV provides standardized comprehensive coverage for essential medical services and has an extensive network of healthcare providers.

On the other hand, Private Health Insurance (PKV) is an option for higher-income individuals or specific professional groups. Contributions are based on various factors like age, health condition, selected coverage, and risk assessment. PKV offers personalized and flexible coverage options, potential additional benefits, and quicker access to specialists.

The choice between GKV and PKV depends on factors such as income, employment status, preferences, and the level of coverage one seeks.

In Germany, it is a legal obligation for all residents, including non-EU citizens, to have health insurance coverage. This requirement is not only essential for access to healthcare services but is also a prerequisite when applying for a visa to stay in the country. The penalties for not having health insurance in Germany can vary depending on the individual circumstances and the duration of non-compliance.

Firstly, individuals without valid health insurance may face fines imposed by the government or public authorities. These fines can accumulate over time until the individual obtains the necessary health insurance. Additionally, lacking health insurance can result in delayed or denied medical treatment, which can have serious health implications.

Moreover, non-compliance with health insurance requirements can adversely affect an individual's legal standing in Germany. It may impact visa renewals, residency permits, or future visa applications. Furthermore, individuals without health insurance may encounter challenges in various administrative and legal processes within the country.

To ensure legal compliance and access to essential healthcare services, it is crucial for everyone, especially non-EU citizens, to obtain the required health insurance coverage while residing or staying in Germany.

Non-EU citizens moving to Germany generally need to obtain German health insurance to qualify for a residence permit. Therefore, getting German health insurance is a crucial step upon your arrival. Some exceptions to these requirements apply to students.

If you are an EU citizen, your European Health Insurance Card (EHIC) covers you during short-term visits. However, once you register officially in Germany, it's essential to obtain local health insurance.

No, travel health insurance like Mawista is not adequate for an extended stay in Germany.

If Germany is going to be your home country for at least the next few years, travel insurances are not eligible for obtaining a visa in Germany, as they do not comply with §257 SGB V, §61(6) SGB XI. Unlike ottonova's health insurance, these insurances also do not contribute to the required long-term care insurance.

Rest assured, we understand that circumstances may change. If you find yourself needing to end your contract earlier than planned, regardless of the health insurance tariff you've selected, we've got you covered. Simply get in touch with us and provide your deregistration form from the German Immigration Office - an Abmeldungsbescheinigung. We'll promptly process the closure of your contract and extend our best wishes for success on your future endeavors. We stand by our promise to make this process as smooth as possible for you!