Ottonova

Ottonova is a digital private health insurance company offering a comprehensive, app-centred experience that prioritises digital access and personalised service. For people in Germany who are eligible for private health insurance — typically the self-employed, freelancers, high earners (above the Versicherungspflichtgrenze), and civil servants (Beamte) — Ottonova is a forward-thinking option on the market. 

The platform provides access to comprehensive private coverage, including specialist doctors, private hospital rooms, dental care, and mental health services, all managed through a mobile app. It provides 24/7 in-app consultations with doctors, English-speaking customer service, and is highly accessible for international residents.

Ottonova’s plans are available for individuals and families, and its online advisor tools help prospective customers understand whether private health insurance is the right choice given their income, employment status, and personal circumstances — an important first step given that switching back to statutory insurance is restricted once you opt out.