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Ottonova review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Ottonova is a German insurer built around an app, covering health and dental for people whose cover runs with their job or their move abroad. Premiums start at €284 a month, and claims run through app, chat and email, so you can file and track a claim without calling anyone.

Key facts

Best for
Employed people and expats who want health and dental cover they can manage from an app.
Premium from
€284↗
Insurance types
Health, Dental↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
€500↗
Cover limit
Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area↗
Claims channels
App, Chat, Email, Phone, Post↗
Legal entity
ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378)↗
Headquarters
Germany↗
Founded
2015↗
Support channels
Email, Chat, Phone↗
Audience
Expats
Pricing model
Monthly
Official website
ottonova.de

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInquora.com

Pros and cons

Pros

  • Premiums start at €284 a month, and monthly payments are available
  • Health and dental cover sit in the same policy
  • Cover is unlimited within the European Economic Area, and a period of worldwide cover comes at no extra charge
  • Claims run through app, chat and email

Cons

  • An excess applies, starting at €500
  • Support runs on email, chat and phone only
  • Only health and dental are covered, so travel, home or life policies need a different provider
Ottonova

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Expats settling in Germany who need cover that starts early in a new country
  • Employees whose employer sponsors private health insurance
  • People who prefer to file and track claims in an app rather than on paper

Who should look elsewhere

  • Anyone wanting travel, home or life cover, which Ottonova does not write
  • People who need a broker rather than a direct insurer, since Ottonova is an insurer
  • Readers on a tight budget, as premiums start well above the site median of €9.14

How Ottonova compares

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

What does Ottonova cost a month?+

Premiums start at €284 a month on the employee policy, and monthly payments are available, so the cost is spread across the year. An excess of €500 applies when a claim is settled, so the headline figure is not the whole bill.

What does Ottonova actually cover?+

Ottonova writes health and dental cover. For expats, a period of worldwide cover comes at no extra charge, and cover is unlimited within the European Economic Area, which matters if treatment happens outside Germany.

Is Ottonova regulated and who is behind it?+

Ottonova is an insurer rather than a broker, registered in Germany as ottonova Krankenversicherung AG and operating since 2015. The German regulator is the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), so oversight sits with a named supervisor.

How do I make a claim?+

Claims can go in through app, chat and email, so the app, chat, email, phone and post all work. Filing digitally means you can follow the claim in the app instead of waiting on paperwork.

Who is Ottonova aimed at?+

Ottonova serves expats as well as employees whose cover is arranged through work. Both groups tend to want a policy that starts quickly and can be handled from a phone rather than a broker's office.

How much support do I get?+

Support runs on email, chat and phone, so you can reach a person by email, chat or phone. There is no branch counter, which suits anyone comfortable arranging cover and claims online rather than in person.

Does Ottonova cover travel, home or life?+

Ottonova writes health and dental only, so travel, home and life policies sit with other providers. If you want one provider for every kind of cover, this is not the place to start.

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.

Ottonova

Ottonova

Employed people and expats who want health and dental cover they can manage from an app.

8.8/10Visit