Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs Ottonova
What sets them apart
| Compare |  CHECK24 |  Ottonova |
|---|---|---|
| Premium from | €0.69Lower | €284 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Health, Dental |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | App, Chat, Email, Phone, Post |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €500 |
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Key differences
- CHECK24 scores higher overall: 9.3 vs 8.8.
- Founded is lower at CHECK24: 1999 vs 2015.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €284.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form.
- Claims channels: only Ottonova offers App, Chat, Email.
- Support channels: only CHECK24 offers Help centre.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
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 | CHECK24 | Ottonova |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top. |
| Offer | 9.6Higher | 9.2 |
| Trust | 8.6 | 8.9Higher |
Positions in our rankings
| Ranking | CHECK24 | Ottonova |
|---|---|---|
| Health insurance | 8 of 215 | 22 of 215 |
| Dental insurance | 5 of 50 | 10 of 50 |
Choosing between them
Pick CHECK24 if cost, offer, premium from, and insurance types matter most.
Pick Ottonova if trust matter most.
Feature by feature
| Insurance types | CHECK24 | Ottonova |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Income protection | Yes | No |
| Gadget | Yes | No |
What we checked
CHECK24
- check24.de: 10 facts, checked September 26, 2026
Ottonova
- ottonova.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | Ottonova |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Germany | Germany |
| Founded | 1999Lower | 2015 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Phone |
Where each stands against the rest
| Fact | CHECK24 | Ottonova | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €284highest quarter | €5.97 |
| Excess from | Not confirmed | €500highest quarter | €70 |
Median across 109 listed insurance providers.
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
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
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
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 | CHECK24 | Ottonova |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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.
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