Who Ottonova Is
Ottonova launched as Germany’s first fully digital private health insurer. Everything runs through an app, from applications and claims to a concierge that helps book appointments. It has become a popular name among expats because it offers genuine English-language service, which most traditional insurers do not.
Strengths
- English service: a real draw for international members who want to deal with their insurer in English.
- App-first claims: photograph a bill and submit it in seconds, with quick reimbursement.
- Concierge help: support finding doctors and booking appointments.
Where To Look Closely
Ottonova is a younger, smaller insurer than the giants, so weigh the modern experience against a shorter track record on premium increases and reserves. The published solvency figures are the place to check this. Compare the benefit limits against an established comprehensive tariff, and be clear that a smooth app does not by itself make a tariff better value over thirty years.
Best fit: an expat or younger professional who values English-language, app-first service and has checked the tariff against established rivals on cover and long-term stability.
Judge Ottonova on the benefit table and its solvency figures as well as the app, so the experience and the long-term value both stand up.
Frequently Asked Questions
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