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Premium Economyottonova PC100
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Business Classottonova BC100
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First Classottonova FC100
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Expat First Classfor Non-EU Expats only
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Outpatient
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Outpatient medical treatment
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100%
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100%
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100%
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100%
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Direct access to specialist care
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Primary physician principle100% reimbursement for a visit to your primary physician or when you use the ottonova Concierge service; otherwise 80%
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100%
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100%
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100%
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Medication prescribed directly by a medical specialist
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Primary physician principle100% reimbursement for a visit to your primary physician or when you use the ottonova Concierge service; otherwise 80%
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100%
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100%
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100%
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Medication
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100%
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100%
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100%
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100%
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Doctors’ fees
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Yes
Up to 3.5 times the rate
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Yes
Up to 3.5 times the rate
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Yes
Up to 5 times the rate
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Yes
Up to 5 times the rate
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Outpatient transportation costs
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Yes
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Yes
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Yes
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100%
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Vision
(e.g. glasses, contact lenses)
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Yes
up to €150 in 3 years
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Yes
up to €300 in 2 years
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Yes
up to €500 in 2 years
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Yes
up to €300 in 2 years
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Elective Vision Correction Surgery (for example, LASIK)
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Yes
€250 (per eye) in the first 24 months, from the 25th month €500 per eye within 24 months
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Yes
€500 (per eye) in the first 24 months, from the 25th month €1000 per eye within 24 months
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Yes
€750 (per eye) in the first 24 months, from the 25th month €1500 per eye within 24 months
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Yes
€750 (per eye) in the first 24 months, from the 25th month €1500 per eye within 24 months
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Catalog of aids incl. future developments
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Yes
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Yes
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Yes
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Yes
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General reimbursement for medical devices (for example, hearing aids, wheelchairs)
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100%
up to €500 aids
100% after approval, otherwise 75%.
Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid, shoe insoles: 2 pairs every 2 insurance years, orthopedic custom-made shoes: 4 pairs less €100 for shoe pair every 2 insurance years
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100%
up to €500 aids
100% after approval, otherwise 75%.
Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid, shoe insoles: 2 pairs every 2 insurance years, orthopedic custom-made shoes: 4 pairs less €100 for shoe pair every 2 insurance years
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100%
up to €500 aids
100% after approval, otherwise 75%.
Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid, shoe insoles: 2 pairs every 2 insurance years, orthopedic custom-made shoes: 4 pairs less €100 for shoe pair every 2 insurance years
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100%
up to €500 aids
100% after approval, otherwise 75%.
Hearing aids: up to €1,500 per hearing aid, with BAHA (hearing implant) up to €4,000 per hearing aid, shoe insoles: 2 pairs every 2 insurance years, orthopedic custom-made shoes: 4 pairs less €100 for shoe pair every 2 insurance years
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General reimbursement for therapy (for example, massages, occupational therapy, physical therapy)
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100%
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100%
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100%
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100%
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Alternative practitioner
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100%
up to €500 per insurance year
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100%
up to €1000 per insurance year
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100%
up to €1500 per insurance year
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100%
up to €1000 per insurance year
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General reimbursement Alternative medicine by physicians
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100%
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100%
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100%
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100%
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Psychotherapy
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75% for a maximum of 50 sessions
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90% for 25 sessions, 75% reimbursement per session from the 26th session
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90% for 50 sessions, 75% reimbursement per session from the 51st session onwards
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75% per session
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Prior approval for psychotherapy
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After the probationary sessions (no later than the 6th session) authorization required
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After the probationary sessions (no later than the 6th session) authorization required
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After the probationary sessions (no later than the 6th session) authorization required
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After the probationary sessions (no later than the 6th session) authorization required
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Prenatal classes, pregnancy and postnatal exercises
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100%
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100%
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100%
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100%
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Birthing centers
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Yes
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Yes
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Yes
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No
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Fertility treatment
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No
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Yes
up to €3,000 in the first 36 months, unlimited thereafter
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Yes
up to €3,000 in the first 36 months, unlimited thereafter
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No
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Lump sum for childbirth
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No
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Yes
€400 per delivery
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Yes
€600 per delivery
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No
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