Ottonova Reviews

Highly recommended particularly for English-speaking expatriates

I would highly recommend Ottonova I had a very smooth experience with Ottonova right from the first conversation I had with signing up Registering was relatively simple with an English-speaking agent on the telephone guiding me through the registration form and answering my many questions Whilst I was in Germany I was unfortunately admitted to hospital and required surgery Ottonova s cover on the First Class Expat tariff allowed me to have a private room and the chief surgeon looking after me All my hospital and medication claims were paid in full and dealt with directly between the hospital and Ottonova I also visited the dentist optician and other doctors during my time in Germany I was able to book these appointments easily through the online Concierge chat English speakers are available who are very responsive My claims for these consultations and the medication were in almost all cases paid out in full with the exception of doctor visits which is 90 of the invoice amount Submitting a claim was very simple using the photo function on the Ottonova app on my mobile phone to take photos of the relevant invoices etc Payment was generally made within a few days of submitting the invoice receipt and or prescription The cost of the tariff was relatively cheap and cheaper than the public health insurance options at least in my circumstances The other private health insurers did not have readily-available English speakers unlike Ottonova

Great customer service

Great customer service easy to work with clear and honest communication

The right choice for Expats

Insurance in Germany is not always a straightforward matter If you have the opportunity to be covered by the private system you will want an insurance company who can always help you through the process Ottonova has found a way to make everything easy They have a simple sales and registration process and were able to provide much information to assist in making an informed choice The concierge is always only a chat message away to help you with a claim policy question or other matters Ottonova is certiantly not the cheapest provider out there but their prices are only modestly higher with a significantly higher service level When it comes to your health you want an insurance provider who is easy to work with and that is easily worth a slightly higher premium There is also no guessing as to what is covered under your policy Terms are clear and easy to understand I initially tried registering with a lower cost provider and after 4 weeks of waiting found I could not register as I did not have a SCHUFA record or a health history in Germany obvious problem for any expat Yet registration with Ottonova took less than 5 days from start to finish Would recommend them to anyone looking at the PKV system

It s the best online insurance you can find

It s the best online insurance you can find Easy without hidden costs and you can be very sure your data is completely save and protected I would do it again

Comprehensive insurance from friendly people

Ottonova are one of the best companies I have dealt with in Germany Their excellent customer service is what sets them apart it is friendly professional and quick They re always happy to help and i wouldn t hesitate to recommend them

Germany is able to be digital

Shows how digitization has to work

Superb private insurance in Germany

My experience with ottonova so far has been great Everything is easy from signing the contract to making an appointment Everything you need to do is done through the ottonova app and I have to say everything works fast an efficiently I would recommend ottonova 100 to anyone who wants quality and top customer service

Top notch customer service

I received great customer service from the specialists who helped me expedite my on-boarding Aspen and Andrea were both incredibly helpful and understanding The mobile app is easy to use and the concierge IM chat service very good

Most customer-friendly insurance company out there

Ottonova s customer service is exceptional The name of my representative was Aspen and she is fantastic Very responsive and competent I ve never dealt with an insurance company this customer-friendly in my entire life I am an American expat who moved to Hamburg on a Family Reunification visa The visa process is quite confusing particularly as it relates to health insurance requirements The Hamburg immigration office required me to obtain a signature from the private health insurance company proving their compliance with Annex 6 a specific provision in German law Several German private health insurers claimed that they were in compliance with Annex 6 but in fact most of them are not I can assure you that Ottonova is and their team will work tirelessly to ensure that all your health insurance needs are taken care of They definitely helped make my move across the world much less stressful