German Health Insurance.
Made Simple.

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. Just click on "Get a Consultation" to get started! 

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 Abmeldungsbescheinigung. We'll close your contract and wish you the best of luck on your journey. Promise!

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.

As a regulated health insurance, we cannot just increase premiums any time we want. Premiums can increase when actual health costs differ more than 5% from what we calculated. This can happen due 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.

You can start your sign-up process from abroad. Once you arrive in Germany, we will organize a doctor’s appointment for you. Once you receive the results, you can simply upload them, so that we can create your policy.

100%. Unlike other providers like Mawista, Cigna or Allianz Worldwide Care, ottonova is a fully licensed German health insurance and fulfills all regulatory requirements, like those stated in § 257 SGB V, for your visa applications.