Germans are health conscious: they love sport, exercise, and eating healthy, local produce. They also have a progressive approach to healthcare, focusing not only on treating conditions but also on prevention. As a result, your doctor might even prescribe you eine Kur – a trip to a health spa – to aid your recovery!
Preventive services aim to reduce your risk of falling ill and to catch serious conditions at an early stage. It can range from scans and screenings to vaccinations before overseas travel. However, with the German public healthcare system already stretched by financial constraints and an ageing population, the preventive-care coverage in public health plans is very limited. Consequently, many people are looking to private health insurance policies to secure more extensive healthcare coverage and added peace of mind.
The scope of coverage differs from provider to provider. However, ottonova’s expat health insurance covers preventive services such as colon cancer check-ups and breast cancer screenings that public health plans only offer to older policy holders. What is more, because public health insurance is legally required to focus on cost-effectiveness at all times, private health insurance may provide access to higher quality treatments and materials.
You might not expect this, but private health insurance may well be the best way to manage your health – and your bank balance – while in Germany. Here are our top five reasons to go private:
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.
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.
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.
Saving on health insurance and still getting the best coverage isn’t possible? With signing in for ottonova you can make it happen!
The first time you need to see a doctor in Germany, you probably won’t know what to expect. Take care of your health, and don’t let language barriers get in your way. Here are 6 tips for navigating the doctor’s office.
If your life is not in danger but you still need urgent medical care outside normal surgery opening hours, you should contact a doctor on call.
German pharmacies play a crucial role in providing prescription medication and non-prescription drugs. Find out how pharmacies work and how to get medicine in Germany!
Sick kids need support. Thanks to supplementary hospital insurance with rooming-in, you can accompany your child to hospital.
With backdating, private health insurance brings forward the start of insurance. You can find out when this is useful at ottonova.
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