Excluded groups

Some groups can be excluded from the private health insurance by contract due to the risks for their health or finances their jobs bring with them.

Private health insurances have the possibility to exclude certain groups because of risk factors their jobs bring.

For example, serving in the armed forces involves risks to which the civilian population is not exposed and are therefore not insurable. The probability to get injured is much higher. That means that it's more likely you need medical treatments which can be expensive.

In order to protect the insurance collective, certain occupational groups are also not insurable at ottonova, including:

  • Professional sportsmen and trainers
  • Actors, models, dancers
  • Musicians, singers,  artists, tamers, acrobats and showmen
  • Miners, persons working at sea, divers of all kinds, blaster, pyrotechnicians
  • Racing or test driver
  • Flying staff(pilots, stewardesses)
  • Persons engaged in amusement and alcohol business
  • Bodyguards, security guards and detectives
  • Soldiers


How can I cancel my current insurance? How is the process?

We can help you write your cancellation letter for your current insurer and send it to you by email. You simply need to add your insurance number and signature and then send it to your insurer. We are unfortunately not allowed to contact your current insurer directly.

Do you help me finding an English-speaking doctor?

Of course! Through our ottonova Concierge Service we can book appointments for you. You just easily write us a message with your requirements, and we will find the best option for you.

How is the payment working? Different than public 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.  

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