German Health Insurance.
Made Simple.

You have so much to do when moving to Germany, don’t let the mandatory enrollment in health insurance slow you down. Let us make your new life in Germany easier. Easily secure your health and visa requirements with ottonova's custom support.

  • Special expat rates

    And excellent coverage
  • 24/7 English support

    To make your life easier
  • Get your visa

    Fulfills all legal requirements
  • No paperwork

    Sign up online & use app
Aufmacher
Payback 6500 Points

Save on health insurance. Get a whole lot more.

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.

  • All outpatient doctors
  • All specialists without referral
  • Reimbursement all medications
  • Reimbursement visual aids
  • Free choice of hospitals
  • Accommodation
  • Chief Physician
  • Dental treatment
  • Worldwide coverage
  • Fully digital
  • Quick appointments
  • Payback Logo
  • Exemplary monthly rate
    for employees
Public Insurance
Public
Insurance
 
  • multi-bed
    room
  • 0 – 100%
  • 439 € 439 €
Popular with Expats Pokal
First Class
First Class
Expats
 
  • up to 300 €
    every 2 years
  • 1-bed
    room
  • 100%
  • 2500 Payback Points
  • 165 € 165 €
Business Class

Premium
Economy

ottonova
PC100
  • Primary physician principle
  • up to 150 €
    every 3 years
  • 2-bed
    room
  • 100%
  • 2500 Payback Points
  • 229 € 229 €
Expats Business Class
Business Class
ottonova
BC100
  • up to 300 €
    every 2 years
  • 2-bed
    room
  • 100%
  • 2500 Payback Points
  • 257 € 257 €
Exemplary premiums for employees not including employer contribution, calculated for a 30 year old customer with income higher than 64,350 Euro per year for health insurance and long term care insurance. Get a consultation View full coverage
What about travel insurances such as Mawista or Cigna?

If Germany is your home country for at least the next couple of years, travel insurances are not a viable option for obtaining a visa in Germany as they are not compliant with §257 SGB V, §61(6) SGB XI. Unlike ottonova, these insurances also don't contribute to the required long-term nursing care insurance (Pflegepflichtversicherung). Check out our Expat Guide for details or read about one of our customer's experience here.

Andrea
Andrea

English-speaking insurance expert

Do you have any questions?

We'll do everything we can to help you make an informed decision.

+49 89 121 896 09

State-of-the-art Service.
Just a tap away.

U-Bahn
Persönlicher Concierge
iphone illustration
  • Ulrike Leicht lächelndes Gesicht
  • Andrea Rotes Herz
  • Matthias Sprechblase
Persönlicher Concierge

Your personal Concierge team.

Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the Concierge is there to help and assist through our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.

Get a consultation
Frau mit Hund
Arzt Video Call
iphone illustration
Arzt Video Call

English-speaking doctor on a video call.

Struggling to find doctors that speak English? Just use our app for a video call and receive a diagnosis, treatment plans, and even sick notes for work.
Of course, you can still go to the doctor of your choice.

Get a consultation
Lachende Frau
Schnelle Erstattungen
iphone illustration
New
Messages
Your BankYou have received €155,94 from ottonova.
Schnelle Erstattungen

Lightning-fast reimbursement of your bills.

Receive your money within a few hours? What remains a dream for other insurance companies is reality at ottonova. Simply upload your invoice via the app and receive your money for valid claims long before you have to pay the doctor.

Get a consultation
Schreibtisch
Kein Papierkram
iphone illustration
Kein Papierkram

Your health, at a glance.

On the timeline you will see a chronological overview of all significant interactions with ottonova as well as reminders for your upcoming appointments. Keep an eye on your health – wherever you are.

Get a consultation

We've got you covered.

We believe that your health should be well protected. That's why, no matter which plan you go for, you can always be sure to receive extensive coverage including inpatient, outpatient, dental, vision, out-of-pocket max. and much more.

Ambulant
First Class for Expats
First Class
Expats
Premium Economy
Premium Economy
ottonova
PC100
Business Class
Business Class
ottonova
BC100
First Class
First Class
ottonova
FC100
Show more
Stationary
Show more
Dental
Show more
Additional Full-Insurance Subjects
Show more
Daily Sickness Allowance
Show more
  • First Class for Expats Expat
    First
  • Premium Economy Premium
    Economy
  • Business Class Business
    Class
  • First Class First
    Class

Simply adjust your rate to
meet your needs.

Personalize your ottonova rate with our add-on for a daily sickness allowance.

Daily Sickness Allowance Block
Daily Sickness Allowance

Compensate your salary when you're sick

If you're self-employed, you know the issue: Once you're sick, your salary drops to zero. To some extent, this also applies if you're employed: After six weeks, your employer will stop paying you. In this case, our daily sickness allowance kicks in and ottonova compensates your salary - so you can fully focus on getting healthy again.

Health insurance designed for expats like you.

Meet ottonova, the new digital health insurance, built to make your life easier. Manage your health in a single app, with 24/7 English customer support, so you can focus on the important things in life.

High-Five

Your English-speaking support team.

Our friendly teammates will help you navigate the German insurance system, arrange your appointments with doctors who speak your language, and answer all of your insurance and health-related questions.

Getting your visa? Piece of cake!

Still missing a form for your visa? Don’t worry, we know that this process can be a nightmare. Just contact us if you have any issue and together, we will find a solution.

Short-term visa? No problem.

Some insurances require long term visas before you can sign up with them. Not ottonova. We not only accept customers with short-term visas, but also if you want to extend it.

Future bound. Legally sound.

Health insurance from ottonova meets all legal requirements for your visa according to § 257 SGB V. One less obstacle to overcome.

Listen to those who know.

Get a personal consultation in English.

Andrea
Andrea

English-speaking insurance expert

  • Fair and objective
  • We help you compare with other options
  • Get answers to all your questions

Appointment

  • Please note that the selected time is in the
    Central European time zone (CET).

Additional Personal Information

By submitting my data I agree to be contacted by ottonova.

Our eBook

You finally want all information about the german health insurance system and that in English? Then our e book is just the right thing for you. In English please oder doch lieber auf deutsch? Du kannst dich entscheiden.

The Expat eBook

Private vs public
health insurance

Which system is right for you? All you need to know about the German health insurance system.

PKV vs GKV - das eBook

PKV vs GKV

Welches System ist das richtige für dich? Alles was du zum Thema Krankenversicherung wissen musst.

FAQ

How can I sign up?

To help you with our online sign-up process, we'll set up an appointment to chat on the phone. We can answer any questions you might have, and guide you through the steps, one at a time.

Get a Consultation now!

What happens if I leave?

You're free to go! No wiggling out of a tricky contract, no matter which tariff you choose. If you leave Germany sooner, simply contact us and attach your deregistration form from the German Immigration Office - an AbmeldungsbescheinigungWe'll close your contract and wish you the best of luck on your journey. Promise!

Which tariff should I choose?

We have different full-insurance options at ottonova. All tariffs are solid and built to last. If you plan on staying in Germany for longer than five years, you can choose between Premium Economy Class, Business Class and First Class.

If you are here on a limited permit and plan to stay in Germany less than five years – or simply not sure how long you'll be here - we also offer a special Expat tariff, which provides premium coverage to keep you healthy and happy throughout your stay in Germany. For a full overview of the services offered in our Expat tariff, click here.  

We help you find the best option for your personal needs – start with getting a consultation with our English-speaking experts now!

Why is the Expat tariff cheaper?

Normally, private insurance plans help you to save for your future - you'll pay more now, so that your premiums don't rise later. But if you're only planning on staying in Germany for a short time - less than 60 months - then there's no need to set this extra money aside.

Get a Consultation to get started!

Why is the Expat tariff only available for non-EU expats?

The laws in Germany only allow residents with a limited residency permit to sign up for expat plans. Unfortunately, this means we can only offer this special tariff to expats who are here on a permit, and not those who can live in Germany without any type of visa.

How often do premiums increase?

As a regulated health insurance, we cannot just increase premiums any time we want. Premiums can increase when actual health costs in general differ more than 5% from what we calculated. This can only happen due to inflation and rising medical costs. 

However, this will never happen for single individuals but rather for all insured people at the same time. Specifically, we cannot increase your premiums because you get sick or because you get older. We also cannot terminate your contract for those reasons. We guarantee you coverage for a lifetime when you sign up. 


Get a consultation now!

Can I sign up from abroad?

You can start your sign-up process from abroad. As soon as you arrive in Germany, we will organize a general check-up with an English-speaking nurse for you. When we receive the results, we will be able to finalize your policy.

Get a Consultation now!

Does ottonova help with my visa application?

Definitely! ottonova is a fully licensed German health insurance and fulfills all regulatory requirements, unlike other providers such as Mawista, Cigna or Allianz Worldwide Care.

 We are regulated in § 257 SGB V, which is necessary for your visa applications. This also includes the Expat tariff.

How can I cancel my current insurance?

We can help you write your cancellation letter for your current insurer and send it to you by email. Piece of cake! Just contact our team!

Can I have top-up insurance with ottonova?

If you’re insured in the public system, we can also offer you one of our top-up insurances. We can offer Dental Top-Up and Hospital Top-Up tariffs. You can give us a call and we will help you find the best option for you!

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