Worldwide insurance

International travel is rarely stress free. However, international health insurance gives you peace of mind and allows you to focus on what matters – whether that means delivering a killer presentation to a new client or catching some rays and well-deserved rest on the beach.

What to look for in international health insurance?

When taking out medical insurance for international travel, there are a few questions you should consider.

Coverage: Where are you going? Will you be traveling on a Schengen visa or do you need worldwide coverage? You should always check your provider does not have any hidden exceptions.
Scope: What medical expenses are covered? Does your policy guarantee a high standard of care? How high is the excess/deductible?
Getting home: If the worst happens and you need medical attention abroad, does your insurance include emergency repatriation? As you are probably well aware, not all insurance policies are equal; some travel health insurance policies are more comprehensive than others.

Key benefits of ottonova insurance

At ottonova, we believe your health should always be well protected – which is why our special health insurance tariffs for expats in Germany offer worldwide coverage as standard. Our policies include straightforward healthcare coverage at transparent rates. With our private health insurance cover, you benefit from:

Unlimited health insurance cover for travel within the European Economic Area (EEA) – which means complete cover for travel under a Schengen visa
Insurance protection for worldwide travel as standard (either for 2 or 6 months at no extra charge, depending on your selected tariff)
All vaccinations for foreign travel as recommended by the Robert Koch Institute, Germany’s federal agency for disease control and prevention
Repatriation back to Germany organized by ottonova if you need expert care
Flexible deductibles starting at 10% per invoice amount, with a maximum of €500 per deductible or per calendar year

FAQ

With our tariffs you have world-wide travel coverage. The Expat Tariff covers you up to two months annually outside the EU and in our Premium Economy-, Business- or First Class Tariffs you will be covered up to six months annually outside the EU.

If you move away from Germany, you will not need German health insurance anymore.

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.

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.

Interested in private health insurance?

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Expat Wiki

Doctor on call via Telemedicine

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.

Expat Wiki

Seeing your doctor of choice

The German public health system offers a comprehensive safety net. However, private insurance offers an enhanced level of care and freedom of choice.

Expat Guide

Pharmacies & Medicine in Germany

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!

Expat Wiki

cancel private health insurance

Private health insurance can be canceled with a notice period of 3 months. Everything about important deadlines and special reasons for canceling here in the guide.