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

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
  • Accommodation
  • Dental treatment
  • Worldwide coverage
  • Fully digital
  • Quick appointments
  • Exemplary monthly rate
Public Insurance
Public
Insurance
  • multi-bed
    room
  • 10 – 30%
  • 430 € 430 €
Popular with Expats Pokal
First Class
Expats
First
  • up to 300 €
    every 2 years
  • 1 bed
    room
  • 90% – 100%
  • 165 € 165 €
Expats Business Class
Business
Class
  • up to 300 €
    every 2 years
  • 2 bed room
  • 80% – 100%
  • 260 € 260 €
Exemplary premiums for employees not including employer contribution, calculated for a 30 year old customer with income higher than 60.750 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 89 121 407 12

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

U-Bahn
Persönlicher Concierge
  • 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
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
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
Timeline
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 for Expats
First Class
First Class
Business Class
Business Class
Show more
Stationary
Show more
Dental
Show more
Additional Full-Insurance Subjects
Show more
Daily Sickness Allowance
Show more

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.
-/5

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
  • In order to insure yourself with a private health insurance,
    a yearly income of 60,750 € is required by German law.

Appointment

Additional Personal Information

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

Personal advice, that really helps you out.

We do everything we can to help you make an informed conscious decision that will benefit you for life.

  • Andrea
    Andrea

    English-speaking insurance expert

    +49 89 121 407 12
    By submitting my data I agree to be contacted by ottonova.
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    Please select an Appointment.

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„Ottonova is one of the best companies I have dealt with in Germany. Their excellent customer service is what sets them apart: they are friendly, professional and quick.
They’re always happy to help, and I wouldn’t hesitate to recommend them.“

Sam Starling Verified ottonova customer

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

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!

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.

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 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.

Can I signup from abroad?

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.

Can I get a visa with ottonova?

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.

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