Updated September 28, 2026 · AssureCue Editorial Team
die Bayerische vs Ottonova
What sets them apart
| Compare |  die Bayerische |  Ottonova |
|---|---|---|
| Premium from | €2.09Lower | €284 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Health, Dental |
| Excess from | €0 to €35Lower | €500 |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | Online, Post, Phone | App, Chat, Email, Phone, Post |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.8.
- Founded is lower at die Bayerische: 1858 vs 2015.
- Premium from is lower at die Bayerische: €2.09 vs €284.
- Excess from is lower at die Bayerische: €0 to €35 vs €500.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Online.
- Claims channels: only Ottonova offers App, Chat, Email.
- Support channels: only die Bayerische offers Help centre.
Our verdict on each
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
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 | die Bayerische | Ottonova |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 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 | 9.7Higher | 8.9 |
Where they rank in our lists
| Ranking | die Bayerische | Ottonova |
|---|---|---|
| Health insurance | 32 of 215 | 22 of 215 |
| Dental insurance | 12 of 50 | 10 of 50 |
What each covers
| Insurance types | die Bayerische | 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 |
Where these facts come from
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
Ottonova
- ottonova.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | die Bayerische | Ottonova |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Germany | Germany |
| Founded | 1858Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | die Bayerische | Ottonova |
|---|---|---|
| Cover types | Public liability, Property | Not confirmed |
| Industries | Retail, construction, cleaning, hospitality and health professions | Not confirmed |
Where each stands against the rest
| Fact | die Bayerische | Ottonova | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €284highest quarter | €5.97 |
| Excess from | €0 to €35below the median | €500highest quarter | €70 |
Median across 109 listed insurance providers.
Pros and cons
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
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
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
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
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | Ottonova |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.
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.