The ideal health protection for students
Top benefits for your studies
Excellent rates with and without deductibles
A good option after graduation
Stable premiums and top benefits for your future
Private health insurance with best rating
Top satisfaction - 95% recommendation
Your health is the most important thing you have. That's why we've built our plans to give you the best possible coverage in every situation.
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| Public insurance | Tariff Study Smart | Tariff Study Protect | Tariff Study Free | |
|---|---|---|---|---|
Outpatient |
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| All doctors and appointments through our concierge | ||||
| Direct to specialist, access to private physicians | via ottonova Concierge | via ottonova Concierge | via ottonova Concierge | |
| Visual aids: e.g. glasses/contact lenses | up to €100 every 60 months | up to €550 every 36 months | up to €550 every 36 months | |
| Alternative practioner | up to €2,000 in 36 months | up to €2,000 in 36 months | ||
Inpatient |
||||
| Free doctor's choice (inkl. chief physician) | ||||
| Accommodation | Multi-bed room | Double-room | Double-room | Double-room |
Dental |
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| Dental treatment | 0 - 100 % | 100 % | 100 % | 100 % |
| Professional Dental Cleanings | 1x each insurance year, maximum of €80 per treatment. | 1x each insurance year, maximum of €125 per treatment. | 1x each insurance year, maximum of €125 per treatment. | |
| Dental implants | 10 - 65 % | 70 % | 80 % | 80 % |
Other services |
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| Worldwide protection and repatriation | ||||
| Preventive medical checkups without age limits | ||||
| Contractually guaranteed benefits | ||||
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This list does not represent a conclusive comparison between the scope of the public health insurance coverage and the scope of coverage of the ottonova tariffs. The coverage details described are an excerpt from the tariff benefits and highlight differences. For comprehensive advice, please contact our experts.
Please find a summary of the coverage details of the ottonova student tariffs here or the full description of the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff. The terms and conditions of the individual insurance contract shall prevail and apply. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only. |
ottonova insurance expert
We'll do everything we can to help you make an informed decision.
Deductible means that you contribute to your healthcare costs. This lowers your monthly premium. And if everyone pays some of their own costs, it becomes cheaper for everyone.
This is shown by the two studies by Focus Money and Kubus
ottonova contributes to climate protection with many sustainable actions.
The ottonova premium guarantee
We will not increase the premiums for adults (over 21) in our Pro tariffs and student tariffs until at least the end of 2026.
Best rating
for our insurances
This is what winners look like: 4x Stiftung Warentest test winner, 3x in a row the most satisfied customers by far, top marks from the leading comparison portal Check24.de, German private health insurance with the best performance at the best price, best customer service of all health insurers.
App with best ratings
One of the best apps on the market with 4.8 stars. Everything you need in one app.
Outstanding customer satisfaction
ottonova regularly receives excellent ratings from customers. We are particularly proud of these top customer satisfaction ratings.
Insurance without the hassle of paperwork and the best medical coverage. Doesn't exist? Yes it does: with ottonova - the health insurance for the mobile age: digital, fast and with great savings potential.
The decisive factor is how you were insured before your studies. In the following, we will introduce you to different options:
If you were privately insured before your studies, you can choose the student public health insurance and pay around €125 or decide for a student tariff of private health insurance. ottonova student tariffs are starting from less than €111. With private health insurance you’ll get a fair tariff with very good medical services during your studies. Especially if you expect a high starting salary or plan to start your own business after graduation, private health insurance is worthwhile.
If you were previously insured in a private health insurance plan, you can continue this plan but you have to an exemption from a public health insurance. At the age of 25, your entitlement to benefits ends and you can change to a favorable student tariff.
In public health insurance of your parents, you remain free of charge family insured until the age of 25. After that you must insure yourself in the student health insurance of public health insurance. Working students who earn more than €565, or more than €603 in the case of mini-jobs, must take out insurance themselves in advance.
If you want to remain in public health insurance after your studies, this is a good choice. With private supplementary insurance, you can supplement the benefits of your public health insurance.
ottonova's top-up insurances for hospital and dental treatment ensure you the benefits of a private patient with very good value for money.
Student tariffs are particularly favorable because they do not yet build up aging reserves.
With many insurances, the tariff ends at the age of 34, with ottonova not until the age of 39.
Your age determines which health insurance you can take out during your studies. Let's clarify what options you have at what age:
Until you turn 25, you can be covered free of charge under your parents' family insurance policy with the statutory health insurance fund. However, you can also opt for private health insurance at the start of your studies. This will ensure you receive top-quality benefits, but you will also have to pay your own monthly premium.
From your 25th birthday onwards, this is no longer possible and, if you want to remain insured under the statutory health insurance scheme, you must take out student health insurance yourself. This costs around €148 per month, including nursing care insurance. However, you also have the option of switching to private health insurance and securing more comprehensive health benefits for roughly the same amount.
If you turn 30 during your studies, you can no longer be covered by the student health insurance provided by the statutory health insurance (GKV), as your insurance obligation then ends. From this point on, you must take out voluntary statutory insurance with the GKV and your contribution will then be calculated on the basis of a notional income. From the age of 30, as a student you pay around €278 per month for GKV, but only around €171 to €197 per month for PKV.
Yes, with ottonova this is no problem at all. With us, you are insured at the student rate until the age of 39.
The situation is different with statutory health insurance. Student health insurance with statutory health insurance funds normally ends when you reach the age of 30.
In individual cases, however, it can be extended beyond this if one of the following reasons applies:
You want to become a civil servant or become self-employed?
Then you should think about private health insurance. If you become an employee with a gross starting salary above the annual income threshold (2026: €77,400), private health insurance is also open to you.
Your starting salary as a salaried employee is not (yet) sufficient for private health insurance?
Then you stay in or switch to public health insurance. If you were insured with us during your studies and want to switch later again to one of our private health insurance tariffs you can choose a qualifying insurance. This is an inexpensive way to "freeze" your health status and keep your later contribution to private health insurnace low.
The requirement for taking out private health insurance for students is enrollment at a German university.
How do you want to be insured later?
If you want to take out private health insurance, you must apply for exemption from compulsory insurance within three months of enrolling.
What is important to you? As a student, you save money in public health insurance because of the free family insurance. However, the GKV benefits do not reach the level of private health insurance.
As a BAföG recipient, you receive a subsidy of 84 euros for health insurance and 25 euros for long-term care insurance.
Then get the insurance 1x1 for your studies.
We do everything we can to help you make an informed and conscious decision that you will benefit from for a lifetime.
Students who receive BAföG are entitled to a subsidy for health insurance, regardless of whether they have private or statutory insurance.
For health insurance, the subsidy amounts to 94 €. 28 € are subsidized for nursing care insurance.
For students over 30, the subsidy is € 168 (health insurance) or € 38 (nursing care insurance).
After graduation, students can be insured in a regular tariff of the private health insurance if they meet the requirements (civil servant, self-employed or income above the annual income limit (77,400€), or switch to the statutory health insurance.
Foreign students coming to Germany can also take out insurance with ottonova if they have a certificate of enrollment from a German university. In some cases, they may even have to choose private health insurance:
Language students who are not enrolled at a german university cannot, however, take out private health insurance.
The exemption must be applied for in writing to a statutory health insurance company and cannot be revoked subsequently: If one decides for PKV, one is PKV insured during the entire study and cannot change to GKV.
Deadline for exemption: Until 3 months after the beginning of studies or in case of family insurance in the statutory health insurance, 3 months after the 25th birthday (first entry into compulsory insurance).
Students in Germany have the choice between statutory health insurance (GKV) and private health insurance (PKV) in the first three months of their studies.
Yes, in Germany compulsory insurance also applies to students.
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 here.
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.
A dual studium is a special type of degree program that combines university studies with practical work experience in a company. Unlike traditional university courses, a dual studium offers students the unique chance to apply theoretical knowledge directly in real-life work situations. This combination of learning and working makes a dual studium very attractive for young professionals who want to gain relevant job experience while earning a degree.
In Germany, the dual studium model is very popular among both students and companies. It helps companies train future employees according to their specific needs and allows students to build a strong professional network even before graduation. A dual studium usually takes three to four years and often includes a salary paid by the company, making it financially attractive too.
If you are looking for a practical and future-oriented study option, a dual studium could be the perfect choice to kickstart your career.
Yes, if you are enrolled in a dual studium, you may be eligible for private health insurance in Germany under certain conditions. Generally, dual students are considered employees due to the paid practical part of their program. Therefore, you usually have to stay in the statutory health insurance system if your salary is above the mini-job limit.
However, if your income is high enough or you are older than 25 and not covered through your parents, you might be able to choose private health insurance (private Krankenversicherung) for dual students.
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