Updated September 28, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs Ottonova

ERGO Group Deutschland scores 9.4 and Ottonova 8.8 out of 10. Compare their differences and shared features below.

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

Ottonova

8.8/10

Facts checked September 26, 2026.

ERGO Group Deutschland vs Ottonova: the differences

ERGO Group Deutschland vs Ottonova
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
OttonovaOttonova
ReviewVisitVisit
Premium from€3.90Lower€284
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers moreHealth, Dental
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area
Claims channelsOnline, PhoneApp, Chat, Email, Phone, Post
Excess fromNot confirmed€500
Age rangeUnder 36 (13% start bonus for young people)Not confirmed

Same on both: Provider type (Insurer), Monthly payments (Yes).

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Key differences

  • ERGO Group Deutschland scores higher overall: 9.4 vs 8.8.
  • Premium from is lower at ERGO Group Deutschland: €3.90 vs €284.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
  • Claims channels: only ERGO Group Deutschland offers Online.
  • Claims channels: only Ottonova offers App, Chat, Email.

Our verdict on each

ERGO Group Deutschland

ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.

Read the full ERGO Group Deutschland 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

ERGO Group Deutschland vs Ottonova
AreaERGO Group DeutschlandOttonova
Cost9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top.
Offer9.19.2Higher
Trust9.6Higher8.9

If neither fits

HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €284 for Ottonova.

HanseMerkur Reiseversicherung AT review

How they place

ERGO Group Deutschland vs Ottonova
RankingERGO Group DeutschlandOttonova
Health insurance6 of 21522 of 215
Dental insurance4 of 5010 of 50

Every fact side by side

ERGO Group Deutschland vs Ottonova
FactERGO Group DeutschlandOttonova
AudienceNot confirmedExpats
Pricing modelMonthlyMonthly
Legal entityERGO Group AGottonova Krankenversicherung AG (Amtsgericht München, HRB 227378)
HeadquartersGermanyGermany
FoundedNot confirmed2015
Support channelsEmail, Chat, PhoneEmail, Chat, Phone

Business insurance

ERGO Group Deutschland vs Ottonova
FactERGO Group DeutschlandOttonova
Cover typesPublic liability, Cyber, PropertyNot confirmed

Where each stands against the rest

ERGO Group Deutschland vs Ottonova
FactERGO Group DeutschlandOttonovaMedian
Premium from€3.90below the median€284highest quarter€5.97
Excess fromNot confirmed€500highest quarter€70

Median across 109 listed insurance providers.

Pros and cons

ERGO Group Deutschland

Pros

  • Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
  • Monthly payments are available, so the cost spreads across the year rather than landing in one bill
  • Support runs on email, chat and phone, so you can reach a person on chat, email or phone

Cons

  • The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
  • The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
  • Support runs on email, chat and phone only, with no branch or broker option listed

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

ERGO Group Deutschland

Who it suits

  • Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
  • Renters or flat owners who want monthly payments instead of a single annual bill
  • Small businesses that need public liability, cyber or property cover alongside personal lines

Who should look elsewhere

  • Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
  • People wanting pet or renters insurance, as neither appears in auto, home and life
  • Anyone who wants branch or in person service, since support runs on email, chat and phone only

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

ERGO Group Deutschland

Current offer

  • Bonus

    13% start bonus for young people on ERGO Hausratversicherung: 13%

    Granted while the policyholder has not yet reached age 36; applied automatically

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs Ottonova
CountryERGO Group DeutschlandOttonova
GermanyYesYes

Questions about each

ERGO Group Deutschland

What does ERGO Group Deutschland cost to start with?+

The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.

Can I pay monthly instead of in one payment?+

Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.

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

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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