The ideal German health insurance for expats.

With the digital private health insurance by ottonova you can skip all the paperwork! Manage your health in a single app, with real time English-speaking support.
You could even save a lot of money compared to public health insurance and still get a much more comprehensive coverage.

  • Excellent medical coverage with outstanding tariffs

  • Up to € 3,100 annual savings potential compared to public health insurance

  • English-speaking support to make your life easier

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Up to € 3,100 annual savings potential while getting much more benefits for your health?

Find out why private insurance with ottonova is worthwile for you:

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.

Premium health insurance for little money.

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.

Exemplary monthly rate for employees

Public Insurance

€541
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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)
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 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 would like to know how high your contribution is with us?

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.

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Who can benefit from an expat health insurance plan in Germany?

The laws in Germany only allow residents with a limited residency permit to sign up for expat health insurance plans.

  • If you are an expat here on a limited permit (Non-EU citizens with temporary visa working in Germany) and plan to stay in Germany less than five years – or simply not sure how long you'll be here - you can benefit from our expat health insurance plan: First Class Expats.
  • If you are an EU citizen or plan on staying in Germany for longer than five years (no matter if EU- or Non-EU citizen), you can choose between our different long-term full-insurance options at ottonova: Premium Economy Class, Business Class and First Class.
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A comparison that is worthwhile for you.

Our example of a 32-year-old employee shows you the savings potential with our Business Class tariff compared to various public health insurance plans.

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

Go ahead now to save time and money by choosing our digital private health insurance, with English-speaking support in real time!

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What are the main differences between public and private health insurance?

Public health insurance:

  • Everyone can take out public insurance.
  • Your contribution depends on your salary: the more you earn, the more you have to pay.
  • Premiums can reach up to € 1,050.53 a month which you share with your employer. As a self-employed person, you must cover the full costs yourself.
  • Coverage is quite limited and benefits can be cancelled at any time.

Private health insurance:

  • Employees with a salary above the annual income threshold of € 69,300, self-employed persons, civil servants and students are eligible for private insurance.
  • Your monthly premium does not depend on your salary.
  • Premiums depend on your health status, the desired scope of benefits and your age of entry: the earlier you decide to switch to ottonova’s private health insurance, the lower your monthly premiums will be.
  • Coverage is much more extensive and benefits are guaranteed for the entire duration of your contract.

What's covered with ottonova?

Discover top-notch benefits for your health!

  • 100 % reimbursement for outpatient medical treatment and direct specialist treatment
  • Free choice of physician and clinic as well as more physicians to choose from through access to private practices and clinics
  • Reimbursement for many treatment methods in contrast to public health insurance in significantly more cases: e.g. acupuncture, alternative practitioners, chiropractors, elective vision correction surgery, as well as significantly more preventative treatments without age limits
  • We reimburse treatments from naturopaths with alternative treatment methods such as homeopathy or natural cures
  • 100 % reimbursement for alternative medicine methods administered by a doctor
  • You need medication? All prescribed medicines (as well as high-cost medicines) are reimbursed
  • Your advantage: Even medicines that your doctor prescribes for you, which do not necessarily require a prescription, such as headache tablets or vitamin preparations, are also covered by ottonova
  • 100 % reimbursement for natural healing methods such as massages, physiotherapy, ergotherapy and more
  • Do you wear glasses? We also cover the costs of vision aids like glasses or contact lenses with up to 500 € every 2 years, depending on the tariff
  • Medical aids such as hearing aids, prosthetics or wheelchairs are also reimbursed at 100 %
  • 100 % coverage of dental treatments like fillings or root canals
  • Would you like to have your teeth professionally cleaned? We reimburse you for professional dental cleanings up to two times per insurance year or as often as you want with our First Class Pro+ plan
  • Up to 100 % reimbursement for dental implants like inlays, onlays, dental implants crowns, bridges or prosthetic teeth
  • Does your child need braces? ottonova reimburses up to 100 % of orthodontic treatments for children (up to the age of 21)
  • Fertility treatments reimbursement up to €3,000 during the first 36 month, afterwards unlimited (after prior approval in text form, in our Business and First Class plans)
  • 100 % reimbursement for prenatal courses (also for partners), pregnancy and postnatal therapy
  • Comprehensive prenatal diagnostics (3x during pregnancy)
  • Midwifery services before, during and after the birth as well as intensive care up to three times a day
  • If you would like to give birth in a birthing center, ottonova also offers corresponding services (Business and First Class plans)
  • Lump sum for childbirth € 400 per delivery (Business Class plans) or € 600 per delivery (First Class plans)
  • Many parents prefer to stay with their smaller children when they are being treated in a hospital. Therefore, we cover the accommodation costs for parental accompaniment (rooming-in). This applies to children up to 14 years of age
  • With the First Class Pro+ plan, you pay no premiums for up to 9 months when you receive parental allowance
  • Up to 6 months worldwide coverage at no extra charge
  • Unlimited insurance coverage within the European Economic Area
  • Reimbursement of medical transportation to Germany from foreign countries

You want to know more about the benefits ottonova has to offer?

Then get a free consultation now and let our team help you find the right tariff for you!

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Time-saving digital services
– all in one app.

We offer you everything you need to skip the paperwork and make your health insurance as easy as possible.

We'll do the work for you.

We'll do the work for you.

  • Appointment service Our Concierge service arranges your medical appointments.
  • Health advice Answers all your health and medical insurance questions
  • Service abroad Fast, reliable & digital at your side for help.
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Digital doctor’s visit

Digital doctor’s visit

  • Doctor on Video Call You don't want to leave the house? No problem. Our doctors will help you digitally.
  • Save time Receive diagnoses, sick notes and prescriptions via telemedical consultation.
  • Second opinion Is the surgery really necessary? We will get you an informed second opinion.
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Our app - a real multi-talent

Our app - a real multi-talent

  • Keep track Find all the tariff information in your profile at a glance and change it if necessary.
  • Fast refunds of your invoices Upload your invoice via app - receive money back within a few days.
  • Perfectly organized, without paperwork We sort your documents and events chronologically in your app.
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7 easy steps to ottonova. 100% digital.

And it's as simple as this:

  1. make an appointment & have a consultation
  2. submit application via premium calculator
  3. answer health questions
  4. check and conclude insurance contract
  5. cancel your current insurance
  6. activate account in your app: all documents at a glance
  7. enjoy all the benefits of your new digital health insurance policy

Personal advice, that really helps you out.

Sign up for a free consultation with our English-speaking insurance experts to find the best tariff for you.

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FAQ

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.

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You're free to go! No wiggling out of a tricky contract, no matter which health insurance 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!

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!

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!

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.

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.


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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.

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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.

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!

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!