Simply the right plan.

At ottonova you can expect plans that are transparent and detailed. The choice is easy if you only want the best.

Tariffs for employees

Premium Economy Tarif
Premium Economy
PC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 80%
See tariff
Business Class Tarif
Business Class
BC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 90%
Wirtschaftswoche Siegel
See tariff
First Class
First Class Tarif
First Class
FC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Single room
  • Dental prostheses: up to 100%
Wirtschaftswoche Siegel
See tariff
Premium Economy Tarif
Premium Economy
PC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 80%
See tariff
Business Class
Business Class Tarif
Business Class
BC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • Dental prostheses: up to 90%
Wirtschaftswoche Siegel
See tariff
First Class Tarif
First Class
FC 100 - full health insurance
  • All public and private doctors
  • Accommodation: Single room
  • Dental prostheses: up to 100%
Wirtschaftswoche Siegel
See tariff
Student Tarif
Study Smart
full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • €0 deductible
See tariff
Student Tarif
Study Protect
full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • €500 deductible
See tariff
Study Free
Student Tarif
Study Free
full health insurance
  • All public and private doctors
  • Accommodation: Double room
  • €0 deductible
See tariff
Expat First
Expats Tarif
Expat First
Full Insurance
  • 24/7 English-support-team
  • Dental treatment 100%
  • Accommodation: 1 bed room
View tariff
Zahn 70 Tarif
Economy Class
ottonova Zahn 70, 70+, 75, 75+
  • 100% Dental treatments
  • Dental prostheses: 70%-100%
  • €70-€80 dental cleaning per year
Morgan and Morgan Siegel
See tariff
Business Class
Zahn 85 Tarif
Business Class
ottonova Zahn 85, 85+, 90, 90+
  • 100% Dental treatments
  • Dental prostheses: 85%-100%
  • €140-€170 dental cleaning per year
Morgan and Morgan Siegel
See tariff
Zahn 100 Tarif
First Class
ottonova Zahn 100, 100+
  • 100% Dental treatments
  • Dental prostheses: 100%
  • €180-€200 dental cleaning per year
Finanztest Siegel Morgan and Morgan Siegel
See tariff
Klinik Zweibett
Klinik Zweibett Tarif
Clinic double room
Top-up insurance
  • Accommodation: Double room
  • Chief physician treatment
  • Help at home
See tariff
Klinik Einbett Tarif
Clinic single room
Top-up insurance
  • Accommodation: Single room
  • Chief physician treatment
  • Help at home
See tariff

Wait a second. Isn't the public one good enough?

In principle, yes. You could always do with less. However, when it comes to the only health you have, less is definitely not more.

Your health in the best hands.

Public health insurance offers solid basic coverage. However, it only pays for a part of the costs of many services. Our plans can close this gap forever.

Access to doctors and specialists.

When you are sick, our top priority is that you get help quickly. As a private policyholder, you won't need to wait long or see different doctors. With our Business Class and Firsr Class tariff you will be able to go straight to the specialist.

Cutting-edge treatment methods.

You can rely on us to reimburse innovative therapies that will be invented in the future and bring benefits to your health. This is because ottonova is enthusiastic about innovations, being one itself.

Choose only the best for your children.

Over 20% of all ottonova consumers are families. With ottonova, they have opted for the best possible coverage for their loved ones.

FAQ

Do you like to know exactly what you're getting for your money? Then a private health insurance policy is right for you. All of your coverage is guaranteed as long as your policy is active - ideally for the rest of your life. Nobody can reduce your coverage. Rather, ottonova lets you partake in medical progress. You will, therefore, be entitled to effective future treatments that have not yet been invented today. Calculate your premium now without obligation.

Public health insurance does things differently. Here, coverage may change. Some benefits will then only be available against out-of-pocket payment, or you will need to pay for them entirely by yourself.

In Germany, long-term care insurance is required by law. Therefore, it is an essential part of any health insurance plan. If you are insured with ottonova's Premium Economy, Business or First Class as well as Expat plan, you automatically also have long-term care insurance. Our coverage corresponds to that of public long-term care insurance.

Check out what other services are covered by our plans.

Instead of a tariff jungle, we only have a few tariffs. It's easy to find out online which option is right for you. Look at our tariff pages and receive an honest recommendation from us. Of course, you can also get personal advise.

In principle, anyone who meets the requirements for private health insurance can take out our plans.

This is the case if your income is over €69,300, if you are self-employed, or if you take up your studies or turn 25 or 30 as a student. You can then apply for insurance with ottonova.

You can also get ottonova insurance as a civil servant or if you are eligible for Beihilfe benefits. Our four plans take over where Beihilfe benefits stop.

We will need information about your job, your age, and your state of health. We will use this data to prepare a personal quote for you. You can choose freely between our plans depending on the coverage that is important to you.

Can calculate your premiums here.