Health insurance for students

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

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Get more for less money.

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.

Monthly premium approx.

Public insurance

Standard coverage 110 €
€500 deductible

Study Protect

Fair and good tariff 104 €
student Pokal
€0 deductible

Study Free

Optimal protection 121 €

Outpatient

All doctors and appointments through our concierge
Direct to specialist, access to private physicians via ottonova Concierge via ottonova Concierge
Visual aids: e.g. glasses/contact lenses 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)
Accomodation Multi-bed room Double-room Double-room

Dental

Dental treatment incl. teeth cleaning and prophylaxis 0 - 100% 100% 100%
Dental implants 10 - 65% 80% 80%

Other services

Worldwide protection and repatriation
Preventive medical checkups without age limits
Contractually guaranteed benefits

What happens now?

Get a free consultation without obligation.
* Example case: 18 years old, student without deductible (ottonova tariff Study Free) or with max. €500 deductible per calendar year (ottonova tariff Study Protect) incl. long-term care insurance in comparison with tariff of student health insurance of statutory health insurers with an additional contribution of 1.3 % incl. long-term care insurance.
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Isabel

ottonova insurance expert

Do you have questions?

We'll do everything we can to help you make an informed decision.

+49 89 121 896 09

Flexible deductible.

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.

Tarif Study Protect
€500 /year

You pay a maximum of €500 per year out of your own pocket.

Tarif Study Free
Popular with students
€0

your costs will be covered from the first €.

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Loved by our customers.

This is shown by the two studies by Focus Money and Kubus


That's why you can rely on us.

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The ottonova money-back guarantee

Our service and rates are convincing. That's why we're the only health insurance company in Germany that gives you back your age reserves.

3x test winner

Best rating for our insurancesn

This is what winners look like: 2x 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.

We are climate neutral

ottonova has been a climate-neutral company with many sustainable actions since 01.04.2022. Among other things, ottonova is involved in the construction and operation of wind farms.

95 %

Highest customer satisfaction

ottonova has the highest satisfaction and 95% recommendation rate, making it number 1 in the insurance industry.

4,7

App with best ratings

One of the best apps on the market with 4.7 stars. Everything you need in one app. Everything in one place. Safe, fast, easy and sustainable without paper.

Your data is safe with us.

  • AES256-GCM Encryption
  • Data center in Germany
  • Authorized by BaFin

One app, countless possibilities, just one tap away.

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Health insurance made easy. Because we do the work for you.

  • Appointment serviceOur concierge arranges medical appointments for.

  • Health adviceAnswers all your health and insurance questions.

  • Service abroadfast and reliable everywhere at your side.

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Digital doctor's visit

  • Doctor Video CallDon't want to leave the house? No problem. Our doctors will help you digitally.

  • Save timeReceive sick notes and diagnoses directly via app.

  • Second opinionIs the surgery really necessary? We will get you a well-founded second opinion.

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Our app - a real multi-talent

  • Keep the overviewFind all tariff information in your profile at a glance and change it if necessary.

  • Fast refunds of your invoicesSimply upload your invoice via the app and get your money back in a flash.

  • Perfectly organized, without paperworkWe sort your documents and events chronologically in your digital patient file.

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You want to be insured simply the right way?

Then get the insurance 1x1 for your studies.

Personalized advise that is really helpful.

We do everything we can to help you make an informed and conscious decision that you will benefit from for a lifetime.

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

Frequently asked questions

Who should be considering private health insurance?

ottonova offers plans that suit you to a T. See for yourself.

ottonova offers comprehensive private health insurance for employees and the self-employed, as well as supplementary insurance for persons eligible for benefits called "Beihilfe". We also offer supplementary insurance for anyone who prefers or is obliged to stay insured by public health insurance. Use our non-binding premium calculator now to find out which plan suits you best. You can also send us a message and we will be happy to advise you personally.

Yes, provided you are not yet 55 years of age, and you are required to have health insurance. However, switching back to public health insurance may have its disadvantages. We would be happy to advise you on the subject. It's much harder to switch from the age of 55. Lawmakers have taken measures in this regard by introducing the basic coverage plan (Basistarif).

The so-called basic coverage plan was introduced in 2009. The basic coverage plan is like public health insurance in the private sector for private policyholders who are unable to pay their premiums, or who do not wish to pay more than they would for public health insurance. The coverage is identical to that offered by public health insurance. If you are in need of assistance, you may switch from a normal plan to the basic coverage plan.

If you don't wish to pay more than you would for public health insurance, you may do so from the age of 55 even if you are not in need of assistance. Thanks to the old-age provisions which you have accumulated over a long policy term, your basic coverage plan premium will be significantly below the maximum premium you would pay for public health insurance.

The payment is different than in the public system. With private health insurance you pay the full tariff to us at the beginning of the month. If you are employed your employer will contribute their part to your health insurance through your salary.

Of course, your family is very welcome at ottonova. We have even come up with some special advantages for children and teenagers!

We have structured our plans such that your children will also get optimal coverage.

If you insure your family privately, you will need to pay a separate premium for each family member. As an employee, you will also get an allowance from your employer for your family's premiums.

All of your data is stored securely on a server in Germany. Only selected employees at ottonova have access to the data that is relevant to them. We only disclose your data with your consent, for example, when we make an appointment for you. This can be done conveniently via the Concierge service in your app.

The process to get your finalized contract with us typically takes around two weeks. Tariffs in private health insurance in Germany are based on the age when you enter the system and your health status.

ottonova was founded in 2015 by Dr. Roman Rittweger (physician & MBA holder), Sebastian Scheerer (designer), and Frank Birzle (computer scientist). Even though they all come from different backgrounds, they share a common vision: To create health insurance that sets new standards.

It's not something that can just be done by old-school insurance salespeople. That is why ottonova employs not only insurance experts and mathematicians, but also programmers, physicians, and designers. It is precisely this exceptional team that creates the fertile ground for our innovative strength. Together, we pursue our vision and come up with fresh, exciting ideas. It really is a blast!

Yet despite all our enthusiasm, we never lose the ground underneath our feet. Our insurance is rock solid. This is guaranteed by our employees' long-standing experience. They are all experts in their respective fields, including in the field of insurance.

We are a young company and we know our craft. See for yourself and calculate your premium without obligation.