Hospital outpatient care

If you go to hospital in Germany for an appointment and expect to return home the same day, you will be admitted as an outpatient (ambulanter Patient/ambulante Patientin).

Hospital outpatient care is medical treatment or care that does not require an overnight stay


Outpatient hospital care is hospital-based treatment provided to a patient who is expected to return home after their appointment. Treatment requiring an overnight stay is called inpatient care.

In Germany, outpatient care is often not provided in large hospitals but in smaller, specialist clinics. In 2012, the Federal Joint Committee passed a guideline on specialist outpatient care with the aim of making it easier for patients to access highly specialized care at clinics.

If your doctor has instructed you to seek outpatient care or referred you to a clinic or hospital, you should consult your health insurance provider before proceeding, so you can ask whether they will cover the treatment and discuss the costs involved.

ottonova customers can use the Concierge service to check whether a given treatment is covered. In the First and Business Class tariff they also benefit from access to specialist doctors without the need for a referral.

FAQ

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.

Can I go to every doctor or only to “ottonova doctors”?

As a private patient with ottonova you can go to any doctor of your choice. For dental treatments i.e implants or crowns (Zahnersatz) we provide a higher coverage if you choose a dentist from our ottonova network.

Does the premium increase when I´m getting older or sick?

After your policy is finalized it will not be adjusted again based on the variables of aging, increases in health care needs or increases in salary.

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