You think changing your health insurance in Germany is too complicated for an expat like you?

Not with ottonova! Your comfort and health are our highest priorities. Therefore we made our sign up process as easy as possible. It’s only 4 simple steps to switch to ottonova’s private health insurance and enjoy premium health care. Need any help? Our English-speaking team will be of assistance to save you time and trouble.

Full support in English To make your life easier
No paperwork 100 % digital: sign up online and use the app

Get a consultation

Let’s look into the details:

With our excellent digital services and dedicated English-speaking team, your switch to ottonova’s health insurance is super easy! No more worries about finding an English-speaking doctor, getting appointments, doing paperwork and so much more.

Get your personal phone consultation with one of our English-speaking insurance experts. They’ll answer all the questions you might have about coverage, conditions, premiums, services and whatever is on your mind.
Get a health check. Since we do everything in order to make your life easier, we won’t stop here! There is no need for you do go to a doctor to get your health check. One of our English-speaking medical professionals will come to you. At any time and place that suits you! Our partner Medicals Direct will contact you via e-mail to make an appointment. The examination takes about 1 hour. Based on your results we make sure to offer you the best possible coverage for your individual health status.
A few days later you will receive a finalized offer.
And now you’re good to go - welcome to the ottonova family!

Of course we also advice and help you with the cancellation of your current insurance - no worries!

Digital services and premium coverage at fair rates

Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply tell us your age and employment status to find out how much you can save.

Find out in a consultation

Our excellent rated private health insurance plans.

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.

This is a summary of the coverage details with maximum rates and reductions. Please note that this table is not conclusive. You will find all tariff-details such as the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only. The terms and conditions of the individual insurance contract shall prevail and apply.
Exemplary monthly rate for employees	Public Insurance €541	Experts' recommendation First Class Expats €167	Business Class €295	First Class Pro+ €352
Appointment booking through our Concierge
Directly to the specialist, access to private doctors
Reimbursement of all medications
Reimbursement of visual aids		up to €300 in 2 years	up to €300 in 2 years	up to €500 in 2 years
Free choice of doctor (including head of department)
Accommodation	multi-bed room	private room	double room	private room
Dental treatment	0 – 100%	100%	100%	100%
Dental prostheses	10 - 65%	80%	80%	90%
Professional dental cleaning (PZR)	small subsidy possible	2x per year, max. €125 per treatment	2x per year, max. €125 per treatment	100% (unlimited reimbursement)
Worldwide coverage & repatriation
Preventive medical checkups without age limits
Fully digital
Deductible	up to €10 co-payment for medicines, remedies and aids as well as per day in hospital, max. 2% of income, 1% for chronically ill patients	10% per invoice amount up to a €500 deductible/calendar year	10% per invoice amount, max. €500 deductible per calendar year or 50% per invoice amount, max. €1,250 deductible per calendar year	no deductible
Guaranteed premium refund	(only with optional tariff)

*Exemplary premium for employees not including employer contribution, calculated for a 32 year old customer with income higher than 69,300 Euro per year for health insurance and long term care insurance.

You want to know how high your contribution will be at ottonova?

Simply book a free consultation with our insurance experts to find the best tariff for you and get your personal offer.

Get an expert consultation now

This is how easy it can be

4 simple steps to make the switch to ottonova - Germany's first digital private health insurance:

1. Personal phone consultation

2. Health check - at a time and place of your choice

3. Your finalized offer

4. Close your contract with ottonova

Are you ready to be part of Germany's first digital health insurance?

Go ahead now to save time and money by choosing Germany's first digital private health insurance, with all services in English!

Get your consultation

Your advantages with ottonova

Your health in the best of care.

Public health insurance can be quite limited. With our tariffs, you can close this gap forever. Reimbursement for prescribed medication, alternative practitioners, glasses, dentist invoices and chief physician treatment are just some of the benefits of private insurance that public insurance does not cover.

Your savings potential.

In contrast to public health insurance, your premium with ottonova is calculated independently of your income. This means that you could save up to € 3,100 per year - with a higher scope of benefits at the same time.

Access to doctors and specialists.

If you are sick, quick help is our top priority. As a privately insured person, you avoid long waiting times and having to get referrals from general physicians. Instead, you can go directly to the specialist doctor of your choice.

Digital services in one app.

Zero paperwork guaranteed! We offer English-speaking support via phone and chat that helps you find English-speaking doctors in your area and answers all of your insurance and health-related questions, as well as easy claim and fast reimbursement via our app.