German Health Insurance.
Made Simple.

Meet ottonova – the digital private health insurance designed to make your life easier. We arrange your doctors’ appointments by a simple app click and guarantee English-speaking support in real time, top-notch digital services, and outstanding coverage.

  • Special expat rates And excellent coverage

  • Full support in English To make your life easier

  • Get your visa Fullfills all legal requirements

  • No paperwork Sign up online and use the app

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wiwo expats focusmoney

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
expats Pokal
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.

How to proceed now?

Talk to our experts or check out all benefits.

Get a consultation View full coverage

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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The German health insurance system

All residents of Germany must have health insurance. There are two systems – the public and the private health insurance. Everyone can take out public insurance but not everyone is always eligible for private insurance.


Who is eligible for private health insurance?

  • Employees with a salary above the annual income threshold of € 69,300
  • Self-employed persons
  • Civil servants
  • Students

What are the differences between public and private health insurance?

Public health 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:

  • 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.

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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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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You would like to know how high your contribution is with us?

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

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What our customers say

Wondering why we're so well liked by our customers?

It's simple: we offer you everything you need to skip the paperwork and make your health insurance as easy as possible.

Concierge team
Timeline App Screen
  • Ulrike Leicht lächelndes Gesicht
  • Andrea Rotes Herz
  • Matthias Sprechblase
Concierge team

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.

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Telemedicine appointments
Timeline App Screen
Telemedicine appointments

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 see the doctor of your choice in person if you want.

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Fast reimbursement
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Your Bank You have received €155,94 from ottonova.
Fast reimbursement

Fast and easy
reimbursement of your bills.

Get your money back within a few days? This is a pipe dream with other insurers. ottonova makes this dream a reality! Simply upload your bill via the app and receive the money for your claim usually long before it is due to pay at the doctor.

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No red tape
Timeline App Screen
No red tape

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.

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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.

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.

Because it's important to us that you feel well advised.

  • Objective and fair advice
    We want you to choose us out of conviction.
  • Expert insurance market comparison
    We help you understand differences in insurance
Isabel

What can we advise you on?

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

Please tell us more about yourself.

We need this information in order to give you advice on the right tariff.

What is your name and date of birth?

Please select your gross annual income:

Occupational status:

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

Great, how can we reach you?

Our promise to you: 100% fair advice - zero risk for you.

To confirm, please give us your email adress.

What phone number can we reach you on?

Here is your date suggestion:
This date is no longer available. Please choose another one.
By submitting my data I agree to be contacted by ottonova.

Thank you for your trust!

Your non-binding phone call on:


at

is reserved for 60 minutes

And this is how it continues:

  • Info email: After the confirmation, we will send you all the information concerning the consultation via email.
  • We are looking forward to meeting you!

Thank you for your interest in ottonova, !

In Germany, the private health insurance income threshold for employees working in Germany is set by the Federal Ministry of Labour and Social Affairs (BMAS).

Unfortunately, we're not able to offer you private full-comprehensive health insurance, due to the information provided.

If you live in Germany and work remotely for a foreign employer, please contact us.

If you are insured in the public system in Germany, we can offer you our excellent top-up dental insurance - to cover the gaps in your public health insurance.

Discover our dental top-up tariffs

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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.

Get a Consultation now!

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.


Get a consultation now!

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!

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!