Private Health Insurance in Germany
Simple, affordable, designed for students
Get comprehensive health coverage from our award-winning partner and save up to €114 annually.*
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Accepted worldwide for your German visa and university enrollment.
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Attractive and more affordable alternative to Public Health Insurance*.
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Skip the paperwork with ottonova's fully digital service, available in English with faster doctor appointments.
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Get more coverage options such as access to public and private doctors.
How Our Customers Feel About Our Service
Why Private Health Insurance is right for you
More coverage, for less money!
As part of the Expatrio Value Package, we partner with ottonova to provide Private Health Insurance to eligible students. This plan is available to you for the duration of your studies. After this, you can choose to stay with Private Health Insurance on a new tariff, or change to Public Health Insurance.
Ottonova offers affordable rates with extensive coverage and is a great choice for internationals. With Private Health Insurance, you get a wider choice of medical practitioners, dental coverage, visual aids and even 6 months of worldwide cover. But the best part? This top-rated, fully digital service often comes at a cheaper cost than many Public Health Insurances.*
Take a look at just some of the benefits of ottonva's plan in comparison to Public Health Insurance*:
Reasons we love Study Smart!
Tailored for students
Our partnership with ottonva is specially designed with students in mind
We understand the unique needs and challenges faced by international students coming to Germany. Upgrade your Expatrio Value Package to include Study Smart and say goodbye to the hassle of German bureaucracy and endless paperwork.
Enjoy streamlined processes and English-speaking support. Benefit from comprehensive coverage and access to great quality healthcare, all at an affordable rate designed to fit within your student budget. With ottonova, you even get 6 months of worldwide cover included in your plan!
Fully digital
With ottonova's app, you have access to a wide range of services on the go
Get everything you need for a healthy life, in your pocket. The ottonova app is your one-stop-shop for scheduling doctor appointments, keeping track of your prescriptions and sick notes, submitting your medical bills for reimbursement, and much more.
You can even schedule telehealth appointments with registered doctors and receive medical advice from the comfort of your home, or while you are abroad.
Affordability
Get more, pay less. Save up to €114,84 per year
Private Health Insurance is often a more affordable and cheaper option for students than Public Health Insurance in Germany. These better rates are offered based on certain criteria, such as your age and health-status. More affordable - save up to 114,84 EUR per year
Study Smart is designed to give you the best rates possible, while also giving you more health coverage.
Fast and easy reimbursement
No need to worry about late payments or difficult processes
With Private Health Insurance, you receive the medical bill directly from your doctor. Submit this to ottonova via your app, and get reimbursed quickly. Once the money is in your account, just send it over by following the instructions on your invoice.
For bigger bills like hospital stays, ottonova will sometimes pay the hospital directly.
Just make sure your treatment is covered before you proceed. Private Insurance goes beyond basics, covering things like non-prescription medications and private rooms. Feel secure and benefit from comprehensive coverage!
Want to know more?
Leave your contact information, and our expert will reach out to you shortly.
We only work with trusted partners
ottonova has been recognized by the following awards:
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4x Stiftung Warentest test winner
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3x in a row the most satisfied customers
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Top marks from the leading comparison portal Check24.de
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German Private Health Insurance with the best performance at the best price
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Best customer service of all health insurers
Book a meeting to discuss your Health Insurance
Dominic Otto, co-founder of Expatrio
Book a meeting with Dominic now to discuss the best health insurance options for you.
FAQs
Who is eligible for Private Health Insurance?
In this case, students who already have an Expatrio Value Package may be offered an upgrade to ottonova's Study Smart plan if they are eligible.
In order to get Private Health Insurance, you will answer a few questions on the Expatrio User Portal, These questions are to confirm details such as your health status.
Can I switch from Private Health Insurance back to Public Health Insurance?
When you decide to take out Private Health Insurance as a student, your decision is valid for the entire duration of your studies.
This means you cannot switch to statutory health insurance while you are still studying.
But after your studies you have the possibility to take out Public Health Insurance instead.
Of course you can also stay in Private Health Insurance and switch to a comprehensive tariff if you're still eligible for it (employees with a certain income, self-employed or civil servants).
How can I find out more about ottonova Study Smart?
To speak with our Health Insurance expert, you can book a meeting or submit our contact form.
Additionally, you will find many answers to common questions on our Help Centre here.
* This does not represent a conclusive comparison between the scope of the public health insurance coverage and the scope of coverage of the ottonova tariffs. The coverage details described are an excerpt from the tariff benefits and highlight differences. For comprehensive advice, please contact our experts. Please find a summary of the coverage, details of the tariffs, and the terms and conditions on the ottonova website. The terms and conditions of the individual insurance contract shall prevail and apply. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only.