Private health insurance for expats in Germany.

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

GSEM Kubus Wiwo
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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.

Who can benefit from the expat health insurance plan?

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 (€64,350 per year or €6,362.50 per month as of 2022) and who qualify for private health insurance.

2.

Self-employed professionals and freelancers

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

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.

What are the costs of a 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

expats Pokal

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
PAYBACK Logo 7500-en PAYBACK Punkte 7500-en PAYBACK Punkte 7500-en PAYBACK Punkte
Exemplary monthly rate for employees €475 €155 €232 €260
*Exemplary premium for employees not including employer contribution, calculated for a 30 year old customer with income higher than 64,350 Euro per year for health insurance and long term care insurance.

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.

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
Tarif Icon
First Class
Expats
ottonova
Expats
Tarif Icon
Premium Economy
ottonova
PC100
Tarif Icon
Business Class
ottonova
BC100
tarif Icon
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 prothesis 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
  • Tarif Icon Expat
    First
  • Tarif Icon Premium
    Economy
  • Tarif Icon Business
    Class
  • tarif Icon 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.
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.

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
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
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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.

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 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.

Expat ebook

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.

Expat Welcome Guide

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.


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!

Isabel
Isabel
ottonova insurance expert
Get a personal consultation in english.
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Isabel
Isabel
ottonova insurance expert
Get a personal consultation in English! What you can expect from us:
  • Fair and objective
  • We help you compare with other options
  • Get answers to all your questions