Updated October 17, 2026 · AssureCue Editorial Team

DA Direkt vs Ottonova

DA Direkt scores 9.5 and Ottonova 8.8 out of 10. Compare their differences and shared features below.

DA Direkt

9.5/10

Facts checked October 14, 2026.

Ottonova

8.8/10

Facts checked September 26, 2026.

What sets them apart

DA Direkt vs Ottonova
Compare
DA DirektDA Direkt
ReviewVisitVisit
OttonovaOttonova
ReviewVisitVisit
Premium from€6.90Lower€284
Insurance typesAuto, Motorcycle, Dental, Health, Pet, HomeCovers moreHealth, Dental
Cover limitDental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area
Claims channelsOnline portal, Phone, Email, ChatApp, Chat, Email, Phone, Post
Excess fromNot confirmed€500

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

  • DA Direkt scores higher overall: 9.5 vs 8.8.
  • Founded is lower at DA Direkt: 1923 vs 2015.
  • Premium from is lower at DA Direkt: €6.90 vs €284.
  • Insurance types: only DA Direkt offers Auto, Motorcycle, Pet.
  • Claims channels: only DA Direkt offers Online portal.
  • Claims channels: only Ottonova offers App, Post.
  • Support channels: only DA Direkt offers Help centre.

Our verdict on each

DA Direkt

DA Direkt is a German online insurer offering several product lines. The captured material gives the clearest detail on its dental supplementary insurance, including three named tiers, reimbursement categories and network dentist features. Terms and eligibility still depend on the selected tariff and policy documents.

Read the full DA Direkt review

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.

Read the full Ottonova review

Score breakdown

DA Direkt vs Ottonova
AreaDA DirektOttonova
Cost9.1Higher8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top.
Offer9.6Higher9.2
Trust9.6Higher8.9

Side by side, item by item

DA Direkt vs Ottonova
Insurance typesDA DirektOttonova
AutoYesNo
HomeYesNo
HealthYesYes
PetYesNo
MotorcycleYesNo
DentalYesYes

Availability and regulation

DA Direkt vs Ottonova
CountryDA DirektOttonova
Germany

Available in 1 country for both.

Also worth a look

KS/AUXILIA has premium from at €5.04, against €6.90 for DA Direkt and €284 for Ottonova.

KS/AUXILIA review

How they place

DA Direkt vs Ottonova
RankingDA DirektOttonova
Health insurance5 of 21623 of 216
Dental insurance3 of 5010 of 50

Every fact side by side

DA Direkt vs Ottonova
FactDA DirektOttonova
AudienceNot confirmedExpats
Pricing modelMonthlyMonthly
Legal entityDA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118)ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378)
HeadquartersGermanyGermany
Founded1923Lower2015
Support channelsEmail, Chat, Phone, Help centreCovers moreEmail, Chat, Phone

Where each stands against the rest

DA Direkt vs Ottonova
FactDA DirektOttonovaMedian
Premium from€6.90above the median€284highest quarter€6.02
Excess fromNot confirmed€500highest quarter€50

Median across 116 listed insurance providers.

Pros and cons

DA Direkt

Pros

  • The dental page sets out Komfort, Premium and Premium Plus tariff choices.
  • The page describes covered treatment categories and annual dental cleaning allowances.

Cons

  • Reimbursement and limits vary by tariff, so the headline maximum is not a universal payout.
  • The available capture does not provide every policy exclusion or a personalized premium quote.

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

DA Direkt

Who it suits

  • People in Germany who want to compare supplementary dental insurance options.

Who should look elsewhere

  • People who need a full policy recommendation without checking their existing statutory cover and policy terms.

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

Current offers

DA Direkt

Current offer

  • Discount code

    15% discount on car, e-car and motorcycle insurance: 15% Rabatt

    Displayed on the DA Direkt homepage as an ongoing offer for Autoversicherung, Elektroauto-Versicherung and Motorradversicherung

    Source, checked September 26, 2026

Country by country

DA Direkt vs Ottonova
CountryDA DirektOttonova
GermanyYesYes

Questions about each

DA Direkt

What dental options does DA Direkt show?+

The captured product page lists Komfort, Premium and Premium Plus.

Are all dental costs reimbursed in full?+

The page advertises up to full reimbursement depending on tariff, but coverage depends on the treatment and policy conditions.

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

DA Direkt

DA Direkt

Higher score in this comparison

9.5/10Visit

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