Private health insurance for expats in Germany.

Name: Expath Health Insurance
Brand: ottonova
Rating: 4.7 (147 reviews)

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.
Secure your health and visa requirements easily with ottonova's English-speaking customer support!

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 support in English To make your life easier
Get your visa Fulfills all legal requirements
No paperwork Sign up online & use app

Check out our expat tariff Get a consultation

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.

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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:

Employees

Employees whose gross income is above the annual earning threshold (€66,600 per year or €5,550 per month as of 2023) and who qualify for private health insurance.

Self-employed professionals and freelancers

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

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.

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.

What are the costs of the private health insurance for expats?

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.

	Public Insurance	First Class Expats	Premium Economy ottonova PC100	Business Class ottonova BC100
All outpatient doctors
All specialists without referral			Primary physician principle
Reimbursement all medications
Reimbursement visual aids		up to €300 every 2 years	up to €150 every 3 years	up to €300 every 2 years
Free choice of hospitals
Accommodation	multi-bed room	1-bed room	2-bed room	2-bed room
Chief Physician
Dental treatment	0 – 100%	100%	100%	100%
Worldwide coverage
Fully digital
Quick appointments
Exemplary monthly rate for employees	€498	€167	€263	€295
		Get a consultation View full coverage	Get a consultation View full coverage	Get a consultation View full coverage

*Exemplary premium for employees not including employer contribution, calculated for a 32 year old customer with income higher than 66,600 Euro per year for health insurance and long term care insurance.

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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.

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.

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.

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.

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.

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.

Outpatient	First Class Expats ottonova Expats	Premium Economy ottonova PC100	Business Class ottonova BC100	First Class ottonova FC100
Outpatient Medical Treatment	100%	100%	100%	100%
Specialist Treatments	100%	Primary physician principle 100% reimbursement for treatment by primary physician or use of the ottonova Concierge Service – otherwise 80%	100%	100%
Physician's Fees	Yes up to 5-fold	Yes up to 3.5-fold	Yes up to 3.5-fold	Yes up to 5-fold
Medication	100%	100%	100%	100%
Medications as Part of Direct Specialist Treatments	100%	Primary physician principle 100% reimbursement for treatment by primary physician or use of the ottonova Concierge Service – otherwise 80%	100%	100%
Ambulance Transportation	Yes	Yes	Yes	Yes
Vision (i.e. glasses, contact lenses)	Yes up to €300 every 2 years	Yes up to €150 every 3 years	Yes up to €300 every 2 years	Yes up to €500 every 2 years
Elective Vision Correction Surgery (i.e. Lasik)	€750 (per eye)	€500 (per eye) - within 24 months	€1,000 (per eye) - within 24 months	€1,500 (per eye) - within 24 months
Open Catalog of Medical Aids (including future innovations)	Yes	Yes	Yes	Yes
General Reimbursement for Medical Aids	100% for more than €500 100% with permission, otherwise 75% Hearing aids: up to €1,500 per hearing aid once per contract period, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 2 insurance years. Orthopedic tailored shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% Up to €500 for medical aids 100% with permission above €500, otherwise 75% Hearing aids: up to €1,000 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% for more than €500 100% with permission, otherwise 75% Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 2 insurance years. Orthopedic tailored shoes: 4 pairs every 2 insurance years, minus €100 per pair	100% for more than €500 100% with permission, otherwise 75% Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 2 insurance years. Orthopedic tailored shoes: 4 pairs every 2 insurance years, minus €100 per pair
General Reimbursement for Natural Healing Methods (i.e. Massages, Ergotherapy)	100%	100%	100%	100%
Alternative practitioner	100% up to €1,000 every insurance year	100% up to €500 every insurance year	100% up to €1,000 every insurance year	100% up to €1,500 every insurance year
General Reimbursement for Alternative Medicine Methods - administered by a doctor	100%	100%	100%	100%
Psychotherapy	75% reimbursement per session	75% for a maximum of 50 sessions	90% reimbursement per session for session 1-25, 75% reimbursement per session after 25 sessions	90% reimbursement per session for session 1-50, 75% reimbursement per session after 50 sessions
Previously Approved Psychotherapy	Permission required for the 6th session and following sessions	Permission required for the 6th session and following sessions	Permission required for the 6th session and following sessions	Permission required for the 6th session and following sessions
Fertility Treatments	No	No	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%
Birthing centers	No	Yes	Yes	Yes
Lump sum for childbirth	No	No	Yes	Yes
Inpatient
Attending 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	single room	double room	double room	single room or double room
In-patient Treatment Above the Highest Fee Rate (3.5-fold)	Yes up to 5-factor	No	Yes up to 5-factor	Yes unlimited
Private clinic	Yes up to 200% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)	Yes up to 150% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation ((Bundespflegesatzverordnung)	Yes up to 150% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation ((Bundespflegesatzverordnung)	Yes up to 200% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)
Accompanying Adult with Children in Hospital	Children up to 11 years old, no limitation on duration of stay	Children up to 14 years old, no limitation on duration of stay	Children up to 14 years old, no limitation on duration of stay	Children up to 14 years old, no limitation on duration of stay
Replacement daily hospital benefits	No	€60 in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a two-bed room	€60 in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a two-bed room	€60 for waiver of private medical services (First Class single bed and First Class two-bed room), €35 for waiver of accommodation in a single room (First Class single room), €20 for waiver of accommodation in a twin room (First Class single room and First Class two-bed room)
Acute In-patient Psychotherapy without Required Pre-Approval	Yes	Yes	Yes	Yes
Previously Approved Treatments in 'Gemischte Krankenanstalten'	pending prior approval	No (except for psychological treatment)	No (except for psychological treatment)	No (except for psychological treatment)
Dental
Dental Treatment	100%	100%	100%	100%
Dental prostheses (including Inlays and Implants)	90%	80% in ottonova dentist network 60% with all other dentists	90% in ottonova dentist network 80% with all other dentists	100% in ottonova dentist network 90% with all other dentists
Dental Treatments up to the highest rate (3.5 fold)	Yes up to 5-fold	Yes up to 3.5-fold	Yes up to 3.5-fold	Yes up to 5-fold
Professional Dental Cleanings	100% 2x each insurance year, maximum of €125 per treatment.	100% 1x each insurance year, maximum of €125 per treatment. Without limitation on costs in ottonova dental network.	100% 2x each insurance year, maximum of €125 per treatment. Without limitation on costs in ottonova dental network.	100% 2x each insurance year, maximum of €125 per treatment. Without limitation on costs in ottonova dental network.
Orthodontia	up to 100% before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults, up to 90%	up to 100% before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 60%, 80% in ottonova dentist network	up to 100% before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80%, 90% in ottonova dentist network	up to 100% before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%, 100% in ottonova dentist network
Dental levels - Limitation for prostheses and dentures	€3,000 does not apply to professional cleanings and dental treatments	€4,000 Does not apply to professional cleanings and dental treatments	€4,000 does not apply to professional cleanings and dental treatments	€4,000 does not apply to professional cleanings and dental treatments
Reimbursement for Healing and Cost Planning	100%	100%	100%	100%
Dentistry Services in the Dental Treatment	100%	100%	100%	100%
Additional Full-Insurance Subjects
Preventive and curative health services	No	No	No	max. €360 within 36 months in First Class single room max. €180 within 36 months in First Class twin room
Follow-up Treatments	Yes	Yes	Yes	Yes
Additional Rehabilitation Measures (including outpatient and inpatient therapies)	up to €2,500 during the total contract period	up to €5,000 within 10 years (including withdrawal treatments)	up to €5,000 in 10 years	up to €5,000 in 5 years
Withdrawal Treatments (outpatient and inpatient)	One treatment during the contract period	Up to €5,000 within 10 years (including other rehabilitation measures), optional inpatient services are not reimbursable	3 treatments in 10 years, optional stationary benefits are not reimbursable	3 treatments in 10 years, optional stationary benefits are not reimbursable
Preventative Treatments Above the Public Insurance Level	Yes	Yes	Yes	Yes
Preventative Vaccinations for Foreign Travel	Yes	Yes	Yes	Yes
Insurance Protection for Travel (outside of Europe)	2 months at no extra charge	Yes 6 months at no extra charge (extension with country-specific premium supplement possible)	Yes 6 months at no extra charge (extension with country-specific premium supplement possible)	Yes 6 months at no extra charge (extension with country-specific premium supplement possible)
Insurance Protection for Travel Within the European Economic Area	Yes unlimited cover	Yes unlimited cover	Yes unlimited cover	Yes unlimited cover
Repatriation	Yes organized by ottonova	Yes organized by ottonova	Yes organized by ottonova	Yes organized by ottonova
Deductible	10% per invoice amount up to a €500 deductible/calendar year	10% per invoice amount up to a €500 deductible/calendar year or 50% per invoice amount up to a €1,000 deductible/calendar year	10% per invoice amount up to a €500 deductible/calendar year or 25% per invoice amount up to €1,250 deductible/calendar year	10% per invoice amount up to a €500 deductible/calendar year or 25% per invoice amount up to €1,250 deductible/calendar year
Deductible for Children (not applicable for dental services)	10% per invoice amount up to a €500 deductible/calendar year	10% per invoice amount up to a €500 deductible/calendar year or 50% per invoice amount up to a €1,000 deductible/calendar year	10% per invoice amount up to a €500 deductible/calendar year or 25% per invoice amount up to €1,250 deductible/calendar year	10% per invoice amount up to a €500 deductible/calendar year or 25% per invoice amount up to €1,250 deductible/calendar year
Possibility to Insure Children Independently	No	No	No	No
Daily Sickness Allowance
Maximum Daily Sickness Allowance	maximum of €300 per day	maximum of €300 per day	maximum of €300 per day	maximum of €300 per day
Possibility to Increase Daily Sickness Allowance Without a Health Assessment	Yes for full-time employees with salary increases, 2 months after the raise at the latest	Yes for full-time employees with salary increases, 2 months after the raise at the latest	Yes for full-time employees with salary increases, 2 months after the raise at the latest	Yes for full-time employees with salary increases, 2 months after the raise at the latest
General Dynamic – Possibility to Increase Daily Sickness Allowance without a Health Assessment	5% every 3 years first payable after 5 years	5% every 3 years first payable after 5 years	5% every 3 years first payable after 5 years	5% every 3 years first payable after 5 years
Daily sickness benefits for cure, rehabilitation, etc.	Yes in the event of total incapacity for work	Yes in the event of total incapacity for work	Yes in the event of total incapacity for work	Yes in the event of total incapacity for work
Additional Payment Deadline for Disability	for 3 months	for 3 months	for 3 months	for 3 months

Expat
First
Premium
Economy
Business
Class
First
Class

Ambulant

Outpatient Medical Treatment
100%
100%
100%
100%

Specialist Treatments
100%
Primary physician principle

100% reimbursement for treatment by primary physician or use of the ottonova Concierge Service – otherwise 80%
100%
100%

Physician's Fees
Yes

up to 5-fold
Yes

up to 3.5-fold
Yes

up to 3.5-fold
Yes

up to 5-fold

Medication
100%
100%
100%
100%

Medications as Part of Direct Specialist Treatments
100%
Primary physician principle

100% reimbursement for treatment by primary physician or use of the ottonova Concierge Service – otherwise 80%
100%
100%

Ambulance Transportation
Yes
Yes
Yes
Yes

Vision
(i.e. glasses, contact lenses)
Yes

up to €300 every 2 years
Yes

up to €150 every 3 years
Yes

up to €300 every 2 years
Yes

up to €500 every 2 years

Elective Vision Correction Surgery
(i.e. Lasik)
€750 (per eye)
€500 (per eye)
within 24 months
€1,000 (per eye)
within 24 months
€1,500 (per eye)
within 24 months

Open Catalog of Medical Aids (including future innovations)
Yes
Yes
Yes
Yes

General Reimbursement for Medical Aids
100%
for more than €500
100% with permission, otherwise 75%

Hearing aids: up to €1,500 per hearing aid once per contract period, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 2 insurance years. Orthopedic tailored shoes: 4 pairs every 2 insurance years, minus €100 per pair
100%
Up to €500 for medical aids
100% with permission above €500, otherwise 75%

Hearing aids: up to €1,000 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%
for more than €500
100% with permission, otherwise 75%

Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 2 insurance years. Orthopedic tailored shoes: 4 pairs every 2 insurance years, minus €100 per pair
100%
for more than €500
100% with permission, otherwise 75%

Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing aid implant) up to €4,000 per hearing aid. Shoe inserts: 2 pairs every 2 insurance years. Orthopedic tailored shoes: 4 pairs every 2 insurance years, minus €100 per pair

General Reimbursement for Natural Healing Methods (i.e. Massages, Ergotherapy)
100%
100%
100%
100%

Naturopaths
100%
up to €1,000 every insurance year
100%
up to €500 every insurance year
100%
up to €1,000 every insurance year
100%
up to €1,500 every insurance year

General Reimbursement for Alternative Medicine Methods - administered by a doctor
100%
100%
100%
100%

Psychotherapy
75% reimbursement per session
75% for a maximum of 50 sessions
90% reimbursement per session for session 1-25, 75% reimbursement per session after 25 sessions
90% reimbursement per session for session 1-50, 75% reimbursement per session after 50 sessions

Previously Approved Psychotherapy
Permission required for the 6th session and following sessions
Permission required for the 6th session and following sessions
Permission required for the 6th session and following sessions
Permission required for the 6th session and following sessions

Fertility Treatments
No
No
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%

Birthing centers
No
Yes
Yes
Yes

Lump sum for childbirth
No
No
Yes
Yes

Stationary

Attending 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
1-bed room
2-bed room
2-bed room
1-bed room or 2-bed room

In-patient Treatment Above the Highest Fee Rate (3.5-fold)
Yes
up to 5-factor
No
Yes
up to 5-factor
Yes
unlimited

Private clinic
Yes
up to 200% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)
Yes
up to 150% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation ((Bundespflegesatzverordnung)
Yes
up to 150% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation ((Bundespflegesatzverordnung)
Yes
up to 200% Hospital Remuneration Act (Krankenhausentgeldgesetz) or Federal Hospital Rate Regulation (Bundespflegesatzverordnung)

Accompanying Adult with Children in Hospital
Children up to 11 years old, no limitation on duration of stay
Children up to 14 years old, no limitation on duration of stay
Children up to 14 years old, no limitation on duration of stay
Children up to 14 years old, no limitation on duration of stay

Replacement daily hospital benefits
No
€60
in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a two-bed room
€60
in the event of renunciation of private medical services €20 in the event of renunciation of accommodation in a two-bed room
€60
for waiver of private medical services (First Class single bed and First Class two-bed room),

€35
for waiver of accommodation in a single room (First Class single room),

€20
for waiver of accommodation in a twin room (First Class single room and First Class two-bed room)

Acute In-patient Psychotherapy without Required Pre-Approval
Yes
Yes
Yes
Yes

Previously Approved Treatments in 'Gemischte Krankenanstalten'
pending prior approval
No
(except for psychological treatment)
No
(except for psychological treatment)
No
(except for psychological treatment)

Dental

Dental Treatment
100%
100%
100%
100%

Dental Implants (including Inlays and Implants)
90%
80%
in ottonova dentist network
60% with all other dentists
90%
in ottonova dentist network
80% with all other dentists
100%
in ottonova dentist network
90% with all other dentists

Dental Treatments up to the highest rate (3.5 fold)
Yes

up to 5-fold
Yes

up to 3.5-fold
Yes

up to 3.5-fold
Yes

up to 5-fold

Professional Dental Cleanings
100%

2x each insurance year, maximum of €125 per treatment.
100%

1x each insurance year, maximum of €125 per treatment. Without limitation on costs in ottonova dental network.
100%

2x each insurance year, maximum of €125 per treatment. Without limitation on costs in ottonova dental network.
100%

2x each insurance year, maximum of €125 per treatment. Without limitation on costs in ottonova dental network.

Orthodontia
up to 100%
before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults, up to 90%
up to 100%
before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 60%, 80% in ottonova dentist network
up to 100%
before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 80%, 90% in ottonova dentist network
up to 100%
before the insured person turns 21 (reimbursement of personal cost after the successful completion of the treatment), for adults up to 90%, 100% in ottonova dentist network

Limitations for Dental Coverage
€3,000
does not apply to professional cleanings and dental treatments
€4,000
Does not apply to professional cleanings and dental treatments
€4,000
does not apply to professional cleanings and dental treatments
€4,000
does not apply to professional cleanings and dental treatments

Reimbursement for Healing and Cost Planning
100%
100%
100%
100%

Dentistry Services in the Dental Treatment
100%
100%
100%
100%

Additional Full-Insurance Subjects

Preventive and curative health services
No
No
No
max. €360
within 36 months in First Class single room

max. €180
within 36 months in First Class twin room

Follow-up Treatments
Yes
Yes
Yes
Yes

Additional Rehabilitation Measures (including outpatient and inpatient therapies)
up to €2,500 during the total contract period
up to €5,000 within 10 years (including withdrawal treatments)
up to €5,000 in 10 years
up to €5,000 in 5 years

Withdrawal Treatments (outpatient and inpatient)
One treatment during the contract period
Up to €5,000 within 10 years (including other rehabilitation measures),
optional inpatient services are not reimbursable
3 treatments in 10 years,
optional stationary benefits are not reimbursable
3 treatments in 10 years,
optional stationary benefits are not reimbursable

Preventative Treatments Above the Public Insurance Level
Yes
Yes
Yes
Yes

Preventative Vaccinations for Foreign Travel
Yes
Yes
Yes
Yes

Insurance Protection for Travel (outside of Europe)
Yes
2 months at no extra charge
(extension with country-specific premium supplement possible)
Yes
6 months at no extra charge
(extension with country-specific premium supplement possible)
Yes
6 months at no extra charge
(extension with country-specific premium supplement possible)
Yes
6 months at no extra charge
(extension with country-specific premium supplement possible)

Insurance Protection for Travel Within the European Economic Area
Yes
unlimited cover
Yes
unlimited cover
Yes
unlimited cover
Yes
unlimited cover

Transportation to Germany from Foreign Lands
Yes
organized by ottonova
Yes
organized by ottonova
Yes
organized by ottonova
Yes
organized by ottonova

Deductible
10% per invoice amount

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

up to a €500 deductible/calendar year

or

50% per invoice amount

up to a €1,000 deductible/calendar year
10% per invoice amount

up to a €500 deductible/calendar year

or

25% per invoice amount

up to €1,250 deductible/calendar year
10% per invoice amount

up to a €500 deductible/calendar year

or

25% per invoice amount

up to €1,250 deductible/calendar year

Deductible for Children (not applicable for dental services)
10% per invoice amount

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

up to a €500 deductible/calendar year

or

50% per invoice amount

up to a €1,000 deductible/calendar year
10% per invoice amount

up to a €500 deductible/calendar year

or

25% per invoice amount

up to €1,250 deductible/calendar year
10% per invoice amount

up to a €500 deductible/calendar year

or

25% per invoice amount

up to €1,250 deductible/calendar year

Possibility to Insure Children Independently
No
No
No
No

Daily Sickness Allowance

Maximum Daily Sickness Allowance
maximum of €300 per day
maximum of €300 per day
maximum of €300 per day
maximum of €300 per day

Possibility to Increase Daily Sickness Allowance Without a Health Assessment
Yes

for full-time employees with salary increases, 2 months after the raise at the latest
Yes

for full-time employees with salary increases, 2 months after the raise at the latest
Yes

for full-time employees with salary increases, 2 months after the raise at the latest
Yes

for full-time employees with salary increases, 2 months after the raise at the latest

General Dynamic – Possibility to Increase Daily Sickness Allowance without a Health Assessment
5% every 3 years
first payable after 5 years
5% every 3 years
first payable after 5 years
5% every 3 years
first payable after 5 years
5% every 3 years
first payable after 5 years

Daily sickness benefits for cure, rehabilitation, etc.
Yes

in the event of total incapacity for work
Yes

in the event of total incapacity for work
Yes

in the event of total incapacity for work
Yes

in the event of total incapacity for work

Additional Payment Deadline for Disability
for 3 months
for 3 months
for 3 months
for 3 months

Adjust your rate with our daily sickness allowance.

Personalize your ottonova rate with our add-on for a 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

What about travel insurances instead of a German health insurance for expats?

These are the differences between the two insurances.

If Germany is your home country for at least the next couple of years, travel insurances are not a viable option for obtaining a visa in Germany as they are not compliant with §257 SGB V, §61(6) SGB XI. Unlike ottonova, these insurances also don't contribute to the required long-term nursing care insurance (Pflegepflichtversicherung). Check out our Expat Guide for details or read about one of our customer's experience about the ottonova health insurance in Germany here.

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.

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Additional services of the ottonova expat health insurance.

Having a private health insurance at ottonova you enjoy many additional benefits and services that make your life in Germany easier. You will benefit from our English-speaking Concierge team, be able to talk to English-speaking doctors via video call, and get your bills reimbursed in no time.

Ground-breaking service.
With ottonova's private 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

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.

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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.

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Your Bank You have received €155,94 from ottonova.

Fast reimbursement

Lightning-fast
reimbursement of your bills.

Get your money back within 48 hours?* 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.
* Monday to Friday for bills up to €500.

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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.

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Our ebook about the German health insurance system.

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

Private vs public health insurance

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

Reviews of our customers with expat health insurance.

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.

Your Welcome Guide

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

FAQs to the expat 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.

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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.

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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!

Private health insurance for expats in Germany.

What is the ottonova expat health insurance tariff?

Employees

Self-employed professionals and freelancers

Post-Docs and Researchers

Dependents of ottonova insured persons

Public Insurance

First Class Expats

Premium Economy

Business Class

Your English-speaking support team

Legally sound for your visa

All benefits of a private comprehensive health insurance

Easy tariff change if you stay longer in Germany

Outpatient

First Class Expats

Premium Economy

Business Class

First Class

Inpatient

Dental

Additional Full-Insurance Subjects

Daily Sickness Allowance

Ambulant

Stationary

Dental

Additional Full-Insurance Subjects

Daily Sickness Allowance

Compensate your salary when you're sick

How to get an expat health insurance?

Your personal Concierge team.

English-speaking doctor on a video call.

Lightning-fast reimbursement of your bills.

Your health, at a glance.

Private vs public health insurance

PKV vs GKV

Reviews of our customers with expat health insurance.

Your Welcome Guide

What happens if I leave?

How often do premiums increase?

Can I sign up from abroad?

Does ottonova help with my visa application?

How can I cancel my current insurance?

Can I have top-up insurance with ottonova?

First Class
Expats

Lightning-fast
reimbursement of your bills.