Private health insurance for the self-employed

The ideal private health insurance for the

  • Time is money, especially for the self-employed We are 100% digital, efficient, and fast

  • Affordable even in old age Stable premiums thanks to future-proof calculation

  • Private health insurance with the best rating Top satisfaction - 95% recommendation

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Cost and coverage of private health insurance for self-employed

More performance for less money.
Save up to €3,000 per year

Be your own boss not only at work but also in your private life. With ottonova, self-employed and freelancers have the best decisions for their health and finances in their own hands.

Monthly contribution approx.

Public insurance

Basic insurance protection €978

Premium Economy

Good tariff for best price €542
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Experts' recommendation

Business Class

Best value for money €604

First Class

Outstanding performance €644

Outpatient services

Concierge service: medical appointment booking
Directly to the specialist, access to private doctors via ottonova concierge
Corrective lenses, e.g. glasses/contact lenses up to €150 every 3 years up to €300 every 2 years up to €500 every 2 years
Alternative practitioners up to €500 per year up to €1,000 per year up to €1,500 per year

Inpatient services

Free choice of doctor (including head of department)
Accommodation Multi-bed room Double room Double room Private or double room
Access to hospitals that only accept private patients

Dental services

Dental treatments, including teeth cleaning and prophylactic treatments 0%-100% 100% 100% 100%
Dental prostheses 10%-65% 60%-80% 80%-90% 90%-100%

Other services

Bonus for preventive health care Up tp €360 within 3 years
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
* Example: 32 years old, self-employed, private comprehensive health insurance with 10% deductible (max. €500 per calendar year) including compulsory nursing care insurance and €100 daily sickness allowance after the 42nd day.

How to proceed now?

Talk to our experts or check out all benefits.

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Our experts will answer all your questions about private health insurance for self-employeed.

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Easily adapt your private health insurance tariff to your needs.

Personalize your ottonova tariff with our additional modules and get more out of your private health insurance.


Premium relief in old age

We have an answer to your most important question: Of course, we offer premium relief in old age. Guaranteed. You can think of it as a large savings pot in which you put aside capital as a buffer for old age. Best of all, your employer will contribute up to 50% of this additional savings.

More information about premium relief

Daily sickness benefits

If you fall ill as an employee, you are usually financially covered by your employer for 42 days in the event of illness. However, to be secure in case of a longer-term illness, it is advisable to take out a daily sickness allowance insurance. We will then step in and compensate you for the loss of income.

More information about daily sickness benefits

Double room option

If hospital accommodation in a private room is not so important for you, but you still want premium all-round protection for your health, we offer you the option of taking out our First Class tariff with the option of accommodation in a double room.

Flexible deductible for lower premiums

Deductible or excess means that you contribute a small percentage to your health care costs. This reduces your monthly premium, and you automatically pay less.

The good thing about ottonova: Your maximum deductible in private health insurance for employees applies to the entire year and not to each invoice. And dental care as well als preventive check-ups are excluded. This means that once the maximum yearly amount has been reached, you will no longer incur any deductible costs and you will be reimbursed 100% for all further invoices until the end of the year.

Option A
Popular with employees

of each bill you pay maximum 500 € per year

Option B

from each invoice you pay maximum 1.250 € per year (Not available in the Premium Economy fare)

Option C

from each invoice you pay maximum 1..000 € per year (Only available in the Premium Economy fare)

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Quality-tested by a leading independent German rating agency.

  • Top tariff quality

  • Extensive benefits

  • Very good rate stability

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Guide to health insurance for the self-employed

Health insurance isn't a pair of sneakers. We'll help you make your decision.

We'll help you make your decision.

First piece of information for you.

What are the advantages of private health insurance for self-employed, founders & freelancers?

  • Individually selectable private health insurance tariff:

You can choose the one that suits you best from a variety of tariffs. If you are relatively healthy and would like to optimize your expenses as a young entrepreneur, you can opt for a cost-effective private insurance tariff with ottonova. Later, when you have successfully built up your business, you can switch to a tariff focused on more extensive care.

  • More comprehensive benefits:

If you want to always be fully covered, you can choose a tariff with the most extensive benefits.

For example, with ottonova you can get a private room at the hospital or complete coverage of your new dentures.

Some benefits, such as age-independent preventive examinations and health cover abroad are included in all tariffs, in contrast to the public health insurance. In addition, you can set up a daily sickness allowance as a compensation for your lost earnings during long-term illness.

  • Faster to the doctor:

Private patients often get specialist appointments faster. What many insurers know from experience is also confirmed by social field studies: It takes around 25 days for a publicly insured person to get a specialist appointment, while privately insured patients wait only 12 days on average.

  • More doctors to choose from:

Some medical practices only take privately insured patients and self-payers. As a member of private health insurance, you can also be treated there without any problems and be reimbursed. This can be important if you are looking for a doctor with a specific approach.

Why does private health insurance for the self-employed, freelancers & new business founders make sense?

Your private health insurance premium is based on your age and state of health, not on your income. Private health insurance is as flexible as you are: you get to choose the insurance cover that suits you best. Your health is reliably protected through fast access to specialists and modern treatment methods.

As an entrepreneur, with private health insurance you can collect provisions for the future with aging reserves and options to further reduce premiums in old age.

Your digital lifestyle is covered everywhere – depending on the tariff there is worldwide protection and care for your health.

How do founders & freelancers find the right private health insurance?

The costs and benefits of individual insurance companies can vary greatly. An in-depth comparison is worthwhile to find the best offer!

Which factors you should check:

  1. Coverage: Think about which benefits matter the most to you. Maybe a shared room in a hospital is enough for you, but you want to cover your teeth with 100 % reimbursement for dental replacements? Set priorities and think about what they are worth to you.
  2. Deductible: Would you rather have less co-pay or more? A high deductible often goes with favorable rates. Calculate whether you are likely to spend below your annual deductible cap and whether it really brings a saving. At ottonova, there is only a percentage deductible: You pay 10 or 25 percent of your medical bills yourself, until you reach a limit of 500 or 1,250 euros per year. This way, you benefit from the reimbursements right from the start and you won't be tempted to skip annual preventive examinations to save money.
  3. Costs: It is important to consider not only the current costs of your private health insurance, but also the contribution development over time. After all, you want your costs to still be in line when you go into well-earned retirement. At ottonova, we calculate our premiums using a particularly future-proof actuarial interest rate.

How to calculate the cost of health insurance for a self-employed person?

Self-employed people and freelancers must pay the entire health insurance contribution, regardless of whether they are publicly or privately insured, since they do not have an employer who pays an employer subsidy for health insurance.

If you join private health insurance as a business founder or a self-employed person, your contribution depends on your age, your pre-existing conditions and your health condition, as well as your preferred tariff. With ottonova, for example, the monthly contribution is around 540 to 650 euros for a person at the age of 32.

  • Adjustable contribution independent of income
  • Family members co-insured at their own premiums
  • Change to public health insurance only with employment

Your contribution in private health insurance depends on:

  • age
  • health history
  • coverage

You can adjust your contribution with a deductible or a daily sickness allowance. As a young entrepreneur or tradesman with a good income, you often pay less than in the public health insurance.

Contribution for public health insurance

  • Contribution depends on income
  • Family members insured free of charge
  • Change to private health insurance possible at any time

Your contribution for self-employed persons in public health insurance depends on this:

  • Reduced contribution rate: 14% (without sick pay), general contribution rate: 14.6% (with sick pay)
  • Additional contribution for individual health insurances: on average 1,60% (varies depending on the health insurance company)
  • Nursing care insurance: 3.4% (without children), 3.05% (with children)

Important: The calculation basis for your public health insurance rate is your income tax assessment or a profit estimate if you are just starting out. If you earn more than expected, you will have to pay extra.

The only possibility to influence your public health insurance premium is the “additional contribution” which is individual for each public health insurance fund.

Who is considered self-employed?

Self-employed are those who work freely and without a dependent employment relationship. A private health insurance for entrepreneurs or tradespeople is part of being independent too. The forms of self-employment are further differentiated: Freelancer or tradesperson? It depends:


Freelancer is a term for different professions.

It can mean that you work for a company without a fixed employment contract or that you have a freelance profession like writing, artistic or scientific work, or teaching. §18 of the Income Tax Act provides a catalog of activities: Among others, engineers, tax advisors, consultants, physicians, or lawyers are freelancers and do not pay trade tax.


If you do not carry out a "catalog profession”, you are a trader and pay trade tax. In your

tax return, you can deduct your private health insurance for the self-employed.

Exception: artists and publicists

If you are working as a freelancer in an artistic or journalistic capacity, your

obligation to be in the public health insurance continues as it would in an employment relationship.

In this case, the Künstlersozialkasse (artists’ social fund) pays the employer's share of your public health insurance premium. You can only join private health insurance if your income is above the annual income limit (€ 66,600 ).

3 reasons why self-employed people insured at ottonova are in the best hands

  • Full control

With private health insurance, you can choose between different tariffs and components such as daily sickness allowance or deductible options, and adapt your monthly cost according to your needs. This way, you decide exactly what you need and have full control at all times

  • Digital services take the work off your hands

As a self-employed person, you have enough to do with your own business. The Concierge from ottonova takes the load off you - it's completely paperless and easy to use in the ottonova app. Need a doctor's appointment or a quick medical opinion? The Concierge team will take care of that and many other things concerning your health. Your ottonova app always shows an overview of your preventive checkups, appointments, and invoices. Plus, your bills are reimbursed as fast as lightning.

  • All-round protection for your health

In contrast to public health insurance, as a privately insured person you receive the best benefits without having to worry about possible restrictions - even for your dental care and during hospital stays. So, you are quickly able to run your business again.

How do self-employed & founders switch to private health insurance?

Many self-employed opt for private health insurance to benefit from the extensive benefits of private health insurance. However, choosing the right policy needs to be well thought out! Take your time to compare the different tariffs.

If you want to change to private health insurance, you must submit an application. It is best to take care of this before you become self-employed to ensure seamless insurance coverage.

When you are having a status change, e.g. starting a full-time self-employment, the notice period for your public health insurance is 2 months. So if you cancel on October 1st, you can take our private health insurance the month after next, i.e. January 1st.

Public or private health insurance for the self-employed? 5 tips for your decision.

1. Private health insurance protects

When you are your own boss, you have to compensate earnings lost due to illness out of your own resources. With private health insurance, you can determine the beginning and the amount of your daily sickness allowance yourself. In contrast, the public health insurance sets upper limits for sick pay.

2. Take care of your future with private health insurance

You have your future in your hands. Why don't you choose a future-proof health insurance?

Public health insurance contributions will increase due to demographic change. With private health insurance, you can save for your old age - for example, with the premium relief component.

The money you save compared to public health insurance can be invested on the financial market.

3. Deduct private health insurance from your taxes

Private health insurance for entrepreneurs is tax-deductible, so make sure to include it in your tax return every year. As a self-employed person, you must take care of your contributions to the private health insurance for tax purposes. You can also deduct the basic coverage of your family from your tax return.

4. With private health insurance you set priorities

You don't want to risk an illness slowing down your drive?

The best health services are offered by private health insurance: high-quality dental treatments and more. In contrast to public health insurance, you don't have to fear any reduction in benefits.

5. Private health insurance fits your life plan

If your business is growing moderately and you want to have a big family, public health insurance may be the better choice. If, on the other hand, you want to start early and later only have a small family with a maximum of 3 children, private health insurance is ideal for you. It also protects you if you are independent of location and want to go abroad often. Your insurance cover with ottonova is valid throughout Europe without time limits and even worldwide for six months at a time.

No matter where you are, ottonova Concierge is always there for you, and if necessary, you can use the digital doctor's visit at any time.

Still unsure? Let's make a call!

Get a non-binding & free consultation

Highlights of our digital private health insurance for self-employed

One app, endless possibilities, just a tap away.

We'll do the work for you.

We'll do the work for you.

  • Appointment service Our Concierge service arranges your medical appointments.
  • Health advice Answers all your health and medical insurance questions
  • Service abroad Fast, reliable & digital at your side for help.
Digital doctor’s visit

Digital doctor’s visit

  • Doctor on Video Call You don't want to leave the house? No problem. Our doctors will help you digitally.
  • Save time Receive sick notes and diagnoses directly via app.
  • Second opinion Is the surgery really necessary? We will get you an informed second opinion.
Our app - a real multi-talent

Our app - a real multi-talent

  • Keep track Find all the tariff information in your profile at a glance and change it if necessary.
  • Fast refunds of your invoices Upload your invoice via app - receive money back within a few days.
  • Perfectly organized, without paperwork We sort your documents and events chronologically in your digital patient record.

Personalized advice that really helps you.

We give our all to help you make an informed conscious decision that will benefit you for a lifetime.

Because it's important to us that you feel well advised.

  • Objective and fair advice
    We want you to choose us out of conviction.
  • Expert insurance market comparison
    We help you understand differences in insurance

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Frequently asked questions

If you are young, self-employed and are likely to pay the maximum premium for public health insurance, if you value high-quality benefits for your health and if you want to make yourself independent of demographic change and make individual provisions for later.

If you do not have an employer who continues to pay your salary, you will have to provide for yourself in the event of long-term illness - this applies to both public and private health insurance. Sickness benefits and a daily sickness allowance are not mandatory but are highly recommended to set up for self-employed persons as part of their private health insurance.

Public health insurance:

  • Your premium depends on your (estimated) income, there are minimum and maximum limits.
  • Your premium can only be influenced by the “additional contribution” for each individual public health insurance fund.
  • There may be additional payments at the end of the year.

Private health insurance:

  • Your premium depends on state of health, age, and desired benefits
  • Your monthly premium can be adjusted with components such as deductibles.
  • No additional payments at the end of the year.

A higher deductible leads to a lower monthly premium. This reduces your monthly fixed costs - since you don't receive a employer contribution this certainly helps. With ottonova, you can get 75% of your costs reimbursed, starting from the first euro. The deductible is then limited to 1,250 €, so that even in the worst case you only have a limited risk.


Let's assume you spend €200 on dental treatments and €300 on outpatient services in one year - ottonova will reimburse you €425.

Perhaps you are one of those self-employed people who can work regardless of location and dream of going abroad for a while. Your insurance cover is valid throughout EEA without any time limit – and in our long-term tariffs even worldwide for six months at a time. So, you can visit doctors abroad and explore the world without worrying. You can also talk to German doctors conveniently from anywhere and at any time via our doctor video call.

This depends on the situation. If you are employed and your annual earnings are below the income threshold, you must take out public insurance. If your income is above this limit, you can decide to take out private insurance - your advantage is: as a privately insured person, you still receive employer’s contribution. If you then switch completely to your own business at some point, you no longer must change your health insurance. This way, you can be sure of a lower age-based private insurance premium today.

If you become a mother as a self-employed person, you can receive daily sickness benefits from ottonova during the maternity protection period., If you are insured with us for some time before the baby is born, we can insure your child without a health check. In the first few months, it's even free of charge.

If at some point you decide to change your self-employment back to employment, your income will count: If you are above the compulsory insurance limit, you can remain in the private health insurance. If your salary is below this limit, you are subject to compulsory insurance and can return to the public health insurance, provided you are not yet 55 years old. But as an self-employed person you can of course stay with us. With a qualifying period, you secure your right to return to us without a new health check. We will also continue to pay interest on your aging provisions. If you wish, we can then extend your public health insurance coverage with sensible top-up dental- and hospital care supplementary insurance tariffs.

These supplementary top-up insurances then make sense:

Supplementary hospital insurance

Supplementary dental insurance