Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs Ottonova
APRIL International vs Ottonova: the differences
| Compare |  APRIL International |  Ottonova |
|---|---|---|
| Premium from | €12Lower | €284 |
| Insurance types | Health, Travel | Health, Dental |
| Excess from | €50Lower | €500 |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | App, Chat, Email, Phone, Post |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- APRIL International scores higher overall: 9.3 vs 8.8.
- APRIL International is available in 9 more countries.
- Premium from is lower at APRIL International: €12 vs €284.
- Excess from is lower at APRIL International: €50 vs €500.
- Insurance types: only APRIL International offers Travel.
- Insurance types: only Ottonova offers Dental.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Ottonova offers App, Chat, Email.
- Support channels: only APRIL International offers Help centre.
Our verdict on each
APRIL International
APRIL International is an insurer built for expats who want health and travel cover handled through one account, with monthly payments and direct billing to healthcare providers. Premiums start at €12 on its travel plans, and support runs on email, chat and phone.
Ottonova
Ottonova suits expats and employees in Germany who want health and dental cover handled in an app, with monthly premiums from €284. The premium sits above the site median of €8.37, so it is priced for people who value the digital servicing and the worldwide cover limit rather than the lowest price.
Score breakdown
| Area | APRIL International | Ottonova |
|---|---|---|
| Cost | 8.9HigherPremium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top. |
| Offer | 9.4Higher | 9.2 |
| Trust | 9.6Higher | 8.9 |
Availability and regulation
| Country | APRIL International | Ottonova |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed |
Additional countries for APRIL International: 10. Additional countries for Ottonova: 1.
If neither fits
KS/AUXILIA has premium from at €5.04, against €12 for APRIL International and €284 for Ottonova.
KS/AUXILIA reviewHow they place
| Ranking | APRIL International | Ottonova |
|---|---|---|
| Health insurance | 61 of 216 | 23 of 216 |
Every fact side by side
| Fact | APRIL International | Ottonova |
|---|---|---|
| Audience | Expats | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Phone |
Where each stands against the rest
| Fact | APRIL International | Ottonova | Median |
|---|---|---|---|
| Premium from | €12above the median | €284highest quarter | €6.02 |
| Excess from | €50at the median | €500highest quarter | €50 |
Median across 116 listed insurance providers.
Pros and cons
APRIL International
Pros
- Health and travel sit in the same account, matching the expat audience on expats.
- Monthly payments are available, so cover can be paid as monthly rather than in one go.
- Claims run through Easy Claim mobile app, telephone and e mail, including direct billing to a healthcare provider.
Cons
- The excess starts at €50, so small medical claims still come with a cost to the policyholder.
- Cover limit differs by plan: medical expenses run to a higher ceiling on the Premium travel plan and a lower one on Essential and Prestige.
- Insurance types are limited to health and travel, so there is no motor, home or life cover to add to the account.
Ottonova
Pros
- Health and dental cover in one place, listed under health and dental
- Monthly payments are available, with a monthly model
- Claims run through the app, chat, email, phone and post under app, chat and email
Cons
- The starting premium of €284 is far above the site median of €8.37
- An excess of €500 applies
- Support runs on email, chat and phone only, with no branch network listed
Who each suits
APRIL International
Who it suits
- Expats who want one insurer for health and travel rather than separate policies.
- Travellers who value direct billing to a healthcare provider over paying and reclaiming.
- Anyone who prefers paying for cover monthly rather than in a single payment.
Who should look elsewhere
- People wanting home, motor or life cover, since health and travel is the full list.
- Anyone unwilling to pay an excess, because the minimum on travel plans is €50.
- Buyers wanting the cheapest entry price, since premiums start above the site median of €8.37.
Ottonova
Who it suits
- Expats living in Germany who need treatment covered outside their home market
- Employees covered through a company plan with a monthly payment model
- Anyone who wants dental alongside health cover under health and dental
Who should look elsewhere
- Price-led buyers, since €284 is well above €8.37
- People who prefer a branch or in-person service, as support is limited to email, chat and phone
- Those wanting free policies, unlike bonus.ch at CHF 0
Country by country
| Country | APRIL International | Ottonova |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Germany | No | Yes |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Thailand | Yes | No |
8 of 11 countries where either is available.
Questions about each
APRIL International
What does APRIL International cost to start?+
Premium from €12 on the travel plans listed. That sits above the site median of €8.37 for premium from, and the excess starts at €50, so the first bill is not the whole cost of a claim.
Can I pay for cover monthly?+
Yes. Monthly payments are available, and the model on monthly means cover can be paid in monthly instalments rather than one annual sum. This matters for anyone moving country and settling costs over time.
Ottonova
How much does Ottonova cost?+
Premiums start at €284 a month, with monthly payments available on a monthly basis. That starting figure sits above the site median of €8.37, so expect a higher bill than a typical comparison. The cover also carries an excess of €500.
Is Ottonova regulated?+
Ottonova is supervised in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). It operates as an insurer rather than a broker, so it carries the risk on the policies it issues rather than placing it elsewhere.
Other options to compare
Other matchups
- APRIL International vs Integra Global
- APRIL International vs Genki
- APRIL International vs Waada
- APRIL International vs Barmenia
- APRIL International vs Oney Préstamos ES
- Ottonova vs Cigna Global
- Ottonova vs die Bayerische
- Ottonova vs HanseMerkur
- Ottonova vs DA Direkt
- APRIL International vs ERGO Group Deutschland
- Ottonova vs Getsafe