Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs Ottonova
What sets them apart
| Compare |  Getsafe |  Ottonova |
|---|---|---|
| Premium from | €2.90Lower | €284 |
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protectionCovers more | Health, Dental |
| Provider type | Broker | Insurer |
| Excess from | €0Lower | €500 |
| Cover limit | Up to 4x the official German vet fee rate | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | App, Phone, Chat | App, Chat, Email, Phone, PostCovers more |
Same on both: Monthly payments (Yes).
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Key differences
- Getsafe scores higher overall: 9.1 vs 8.8.
- Getsafe is available in 1 more country.
- Premium from is lower at Getsafe: €2.90 vs €284.
- Excess from is lower at Getsafe: €0 vs €500.
- Insurance types: only Getsafe offers Home, Life, Travel.
- Claims channels: only Ottonova offers Email, Post.
- Support channels: only Getsafe offers Help centre.
- Audience: only Getsafe offers Seniors.
Our verdict on each
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe 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 | Getsafe | Ottonova |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. | 8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top. |
| Offer | 9.5Higher | 9.2 |
| Trust | 8.6 | 8.9Higher |
Side by side, item by item
| Insurance types | Getsafe | Ottonova |
|---|---|---|
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Dental | Yes | Yes |
| Income protection | Yes | No |
Sources behind this comparison
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
Ottonova
- ottonova.de: 13 facts, checked September 26, 2026
How they place
| Ranking | Getsafe | Ottonova |
|---|---|---|
| Health insurance | 18 of 215 | 21 of 215 |
| Dental insurance | 8 of 50 | 9 of 50 |
Every fact side by side
| Fact | Getsafe | Ottonova |
|---|---|---|
| Audience | Expats, SeniorsCovers more | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | Getsafe Digital GmbH | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Germany | Germany |
| Founded | 2015 | 2015 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Chat, Phone |
Where each stands against the rest
| Fact | Getsafe | Ottonova | Median |
|---|---|---|---|
| Premium from | €2.90below the median | €284highest quarter | €5.97 |
| Excess from | €0below the median | €500highest quarter | €70 |
Median across 109 listed insurance providers.
Pros and cons
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | Getsafe | Ottonova |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | Yes |
Questions about each
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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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