Ottonova review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Expats and employees in Germany who want health and dental cover with monthly payments and app-based claims.
- Premium from
- €284 (Source, checked September 26, 2026)
- Insurance types
- Health, Dental (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €500 (Source, checked September 26, 2026)
- Cover limit
- Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area (Source, checked September 26, 2026)
- Claims channels
- App, Chat, Email, Phone, Post (Source, checked September 26, 2026)
- Legal entity
- ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone (Source, checked September 26, 2026)
- Audience
- Expats
- Pricing model
- Monthly
- Official website
- ottonova.de
Apps and profiles
- Get the app
- Google Play
Pros and cons
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
- Cover includes up to a period of worldwide treatment at no extra charge, and unlimited cover within the European Economic Area
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 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
Who runs it
Ottonova is run as an insurer, with the legal entity listed as ottonova Krankenversicherung AG, registered in Munich. It is based in Germany and has operated since 2015, making it a comparatively young name in private health cover. Support is handled through email, chat and phone, with a service app used for day to day contact rather than an office network.
How Ottonova compares
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Where Ottonova is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Which types of cover are available?+
Ottonova covers health and dental, pairing health insurance with dental in the same range. The expat product adds worldwide cover, including up to a period of treatment abroad at no extra charge, plus unlimited cover inside the European Economic Area.
Who is Ottonova aimed at?+
The stated audience is expats, and the product line is split between employees on company plans and expats. That makes it a fit for people based in Germany on a work contract or newly arrived from abroad.
How do you make a claim?+
Claims run through app, chat and email, so you can report in the app, by chat, email, phone or post. The app handles the day to day contact, which suits people who would rather not deal with paperwork by letter.
What kind of support is available?+
Support is offered through email, chat and phone. There is no branch or in-person option listed, so anyone who prefers face to face service may find this less convenient than an agency network.
Sources
- ottonova.de/en/ml/affiliate-partner-ottonova checked September 26, 2026
Backs: Insurance types
“The product range includes private health insurance for employees, self-employed persons, students and expats, as well as supplementary insurance for dental and hospitalisation.”
- ottonova.de/en/services/app checked September 26, 2026
Backs: Claims channels, Support channels
“Fast refunds of your invoices Upload your invoice via app ... ottonova also works without the smartphone app. You may also, of course, communicate with us or submit your bills by mail.”
- ottonova.de/en/v/private-health-insurance/employees checked September 26, 2026
Backs: Excess from, Founded, Pricing model, Monthly payments, Premium from
“Premium Economy: Deductible 10% 50% - 10% per invoice and max €1,000 per year, 50% per invoice and max €500 per year”
- ottonova.de/en/v/private-health-insurance/expats checked September 26, 2026
Backs: Audience, Cover limit
“Non-EU Expats can save even more, by joining our special expat tariff.”
- ottonova.de/impressum checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“ottonova Holding AG, Ottostraße 4, 80333 München”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Ottonova
Expats and employees in Germany who want health and dental cover with monthly payments and app-based claims.