Simply the right plan.

Do you like to know exactly what you're getting for your money? Then a private health insurance policy is right for you. All of your coverage is guaranteed as long as your policy is active - ideally for the rest of your life. Nobody can reduce your coverage. Rather, ottonova lets you partake in medical progress. You will, therefore, be entitled to effective future treatments that have not yet been invented today. Calculate your premium now without obligation.

Public health insurance does things differently. Here, coverage may change. Some benefits will then only be available against out-of-pocket payment, or you will need to pay for them entirely by yourself.

In Germany, long-term care insurance is required by law. Therefore, it is an essential part of any health insurance plan. If you are insured with ottonova's Premium Economy, Business or First Class as well as Expat plan, you automatically also have long-term care insurance. Our coverage corresponds to that of public long-term care insurance.

Check out what other services are covered by our plans.

Instead of a tariff jungle, we only have a few tariffs. It's easy to find out online which option is right for you. Look at our tariff pages and receive an honest recommendation from us. Of course, you can also get personal advise.

In principle, anyone who meets the requirements for private health insurance can take out our plans.

This is the case if your income is over €69,300, if you are self-employed, or if you take up your studies or turn 25 or 30 as a student. You can then apply for insurance with ottonova.

You can also get ottonova insurance as a civil servant or if you are eligible for Beihilfe benefits. Our four plans take over where Beihilfe benefits stop.

We will need information about your job, your age, and your state of health. We will use this data to prepare a personal quote for you. You can choose freely between our plans depending on the coverage that is important to you.

Can calculate your premiums here.