Once your private insurance provider has approved your application, you will have to serve a waiting period before you can make any claims. This might seem odd at first, but there is a good explanation for it.
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A lot of private health insurances have a waiting period before you can claim extensive and expensive treatments such as psychotherapy or orthodontics. They will only be covered once the waiting period has elapsed. As a general rule, this waiting period can last between three months (standard) to eight months (optional waiting period). However, if you suffer an accident during this period, your treatment is likely to be covered.
With the expat tariff from ottonova there are no waiting times.
However, we have payment limits for certain services in the first few years. For example for dentures or surgical visual correction ("laser eyes"). It's a mechanism to prevent a new policyholder from fully claiming for expensive treatment for a pre-existing condition immediately after joining.
Once the limitation period is over you can enjoy full coverage and the full scope of benefits included in your tariff.
If you would like to find out more about ottonova’s special Expat tariff and discuss your individual circumstances, why not book a personal consultation with one of our English-speaking insurance experts?
What is important when switching from statutory German health insurance (or public health insurance) to private German health insurance in Germany? Check out our guide!
What does private health insurance cost me in the long term and how does my health insurance contribution develop? Find all the information here!
What do you have to pay for private health insurance in Germany? On what do costs depend on? Find all the information in our article!
As an employee, you are only eligible for private health insurance if your income exceeds a certain threshold. But just how much do you need to earn to access the private insurance system?
Finding an apartment, registering for your visa, looking for jobs and more – there’s plenty to think about when you move to Germany! But one of the most important choices you’ll make is your health insurance plan.
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