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.