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

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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.

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.

Exemplary monthly rate for employees

Public Insurance

€541
expats Pokal
Experts' recommendation

First Class Expats

€167

Business Class

€295

First
Class

314 €
All outpatient doctors
All specialists without referral
Reimbursement all medications
Reimbursement visual aids up to €300 every 2 years up to €300 every 2 years up to €500 every 2 years
Free choice of hospitals
Accommodation multi-bed room private room double room private room
Chief Physician
Dental treatment 0 – 100% 100% 100% 100%
Worldwide coverage
Fully digital
Quick appointments
*Exemplary premium for employees not including employer contribution, calculated for a 32 year old customer with income higher than 69,300 Euro per year for health insurance and long term care insurance.

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.

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Fast reimbursement
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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 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.

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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.

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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.

expats Pokal
Experts' recommendation

Expat First Class

for Non-EU Expats only

Premium Economy

ottonova PC100

Business Class

ottonova BC100

First Class

ottonova FC100

Outpatient

Outpatient medical treatment 100% 100% 100% 100%
Specialist treatments 100% Primary physician principle100% reimbursement for a visit to your primary physician or when you use the ottonova Concierge service; otherwise 80% 100% 100%
Physician's Fees up to 5-fold up to 3.5-fold up to 3.5-fold up to 5-fold
Medication 100% 100% 100% 100%
Medication 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
Vision (e.g. glasses, contact lenses) up to €300 every 2 years up to €150 every 3 years up to €300 every 2 years up to €500 every 2 years
Elective Vision Correction Surgery
(i.e. Lasik)
€250 (per eye) in the first 12 months, €500 (per eye) until 24 months, from the 25th month €750 per eye within 24 months €250 (per eye) in the first 24 months, from the 25th month €750 per eye within 24 months €500 (per eye) in the first 24 months, from the 25th month €1000 per eye within 24 months €750 (per eye) in the first 24 months, from the 25th month €1500 per eye within 24 months
Open Catalog of Medical Aids (including future innovations)
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 €1000 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 1-25, 75% reimburse­ment per session after 25 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 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
Lump sum for childbirth

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 private room double room private room or double room private room or double room
In-patient Treatment Above the Highest Fee Rate (3.5-fold) up to 5-factor up to 5-factor unlimited
Private clinic up to 200% Hospital Remuneration Act (Kranken­hausent­geldgesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) up to 150% Hospital Remuneration Act (Kranken­hausentgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) up to 150% Hospital Remuneration Act (Kranken­hausentgeld­gesetz) or Federal Hospital Rate Regulation (Bundes­pflege­satzver­ordnung) 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 €60 in the event of renunciation of private medical services €20 in the event of renunciation of accommo­dation in a double room €60 in the event of renunciation of private medical services €20 in the event of renunciation of accommo­dation in a double room €60 for waiver of private medical services (First Class single bed and First Class double room),
€35 for waiver of accommo­dation in a private 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
Previously Approved Treatments in 'Gemischte Krankenanstalten' pending prior approval (except for psychological treatment) (except for psychological treatment) (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) up to 5-fold up to 3,5-fold up to 3,5-fold 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
does not apply to professional cleanings and dental treatments does not apply to professional cleanings and dental treatments does not apply to professional cleanings and dental treatments 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 max. €360 within 36 months in First Class private room max. €180 within 36 months in First Class double room
Follow-up treatments
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
Preventative Vaccinations for Foreign Travel
Insurance Protection for Travel (outside of Europe) 2 months at no extra charge 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)
Insurance Protection for Travel Within the European Economic Area unlimited cover unlimited cover unlimited cover unlimited cover
Repatriation organized by ottonova organized by ottonova organized by ottonova 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

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 for full-time employees with salary increases, 2 months after the raise at the latest for full-time employees with salary increases, 2 months after the raise at the latest for full-time employees with salary increases, 2 months after the raise at the latest 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. in the event of total incapacity for work in the event of total incapacity for work in the event of total incapacity for work 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
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

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.