German Health Insurance.
Made Better.

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.

  • Special expat rates High savings potential

  • English-speaking support To make your life easier

  • Excellent coverage With outstanding tariffs

ottonova hero image
FocusMoney Expat Batch WiWo
Get a free consultation

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.
An Error occured - please try again later.
This slot is not available anymore. Please choose a different one.

Request a free personal consultation call.

We just need some more information in order to give you advice on the right tariff.

What's your name?

ekomi
WiWo
beitragsgarantie
Focus Money

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
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.

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

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.
Get a free consultation

What's covered?

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

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!

Get a consultation

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.

ottonova Bild

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!

Get a consultation

What our customers say

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.
Get a consultation
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.
Get a consultation
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.
Get a consultation

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

Oh no, something went wrong.. 😢

Unfortunately, there was a problem booking your appointment.

Perhaps your internet connection has been interrupted or we are currently experiencing a problem on our site. Please try again by reloading the page, using the chat or calling us directly.

Refresh page +49 89 121 896 09

FAQs to the expat health insurance

Under the private health insurance system, every family member needs their own individual policy, and the cost (premium) is calculated based on each person's health and age when they enroll. Because of this, children's premiums are typically quite affordable. To insure your children in private health insurance can have a lot of advantages. Read more in our article about private health insurance for families!

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!

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!

In Germany, individuals who reside or work in the country for an extended period of time are required to possess health insurance. To comply with this requirement, it is necessary to register with the German authorities in your local area. During this process, you will receive a German social insurance number, which is essential for accessing the German healthcare system. The subsequent step involves enrolling with a health insurance fund to gain access to healthcare services.

The choice between private and public health insurance options or mandatory enrollment in public health insurance depends on your employment status and income.

Find out more in our article about the healthcare system in Germany.

Not obtaining health insurance is against the law and can result in significant expenses. If you are discovered to be residing in Germany without health insurance, you may be required to pay retroactive premiums to cover the entirety of your stay.

Health insurance is a mandatory requirement for all residents in Germany, including expatriates. The choice between the two main types of health insurance, the statutory health insurance (gesetzliche Krankenversicherung, GKV) and private health insurance (private Krankenversicherung, PKV), is a personal one with pros and cons for both options. Expats in Germany must have health insurance. Ultimately, the best choice depends on individual needs and circumstances.

Public health insurance is the predominant option in Germany and is funded by contributions from both employees and employers. Employees in Germany are automatically enrolled in statutory health insurance, and the costs are based on income and household size. Private health insurance is an alternative for individuals earning more than € 69,300 per year or those who are self-employed. Private health insurance offers more extensive coverage options compared to statutory health insurance.

Germany has several private health insurance companies. It is essential to compare policies and coverage options, ensuring the chosen company is reputable and financially stable. Your health insurance card of your insurance company is crucial for accessing medical care in Germany. Always carry it with you when visiting doctors or hospitals.

In Germany, it is a legal obligation for all residents, including non-EU citizens, to have health insurance coverage. This requirement is not only essential for access to healthcare services but is also a prerequisite when applying for a visa to stay in the country. The penalties for not having health insurance in Germany can vary depending on the individual circumstances and the duration of non-compliance.

Firstly, individuals without valid health insurance may face fines imposed by the government or public authorities. These fines can accumulate over time until the individual obtains the necessary health insurance. Additionally, lacking health insurance can result in delayed or denied medical treatment, which can have serious health implications.

Moreover, non-compliance with health insurance requirements can adversely affect an individual's legal standing in Germany. It may impact visa renewals, residency permits, or future visa applications. Furthermore, individuals without health insurance may encounter challenges in various administrative and legal processes within the country.

To ensure legal compliance and access to essential healthcare services, it is crucial for everyone, especially non-EU citizens, to obtain the required health insurance coverage while residing or staying in Germany.

Non-EU citizens moving to Germany generally need to obtain German health insurance to qualify for a residence permit. Therefore, getting German health insurance is a crucial step upon your arrival. Some exceptions to these requirements apply to students.

If you are an EU citizen, your European Health Insurance Card (EHIC) covers you during short-term visits. However, once you register officially in Germany, it's essential to obtain local health insurance.

No, travel health insurance like Mawista is not adequate for an extended stay in Germany.

If Germany is going to be your home country for at least the next few years, travel insurances are not eligible for obtaining a visa in Germany, as they do not comply with §257 SGB V, §61(6) SGB XI. Unlike ottonova's health insurance, these insurances also do not contribute to the required long-term care insurance.