Update (Dec 22, 2025):Today, Ottonova finally issued a "Korrekturabrechnung" (correction settlement). They admitted to an "oversight" (Versehen) and apologized for the ridiculous error of rejecting my infection treatment as "surgery".However, I have decided to maintain this 1-star rating for now. While they finally corrected the mistake, the mental energy and time I have been forced to waste over a simple medical bill for the past 5 weeks are immeasurable. It is completely exhausting for a student to have to go through this much stress and fight this hard just to get what is rightfully theirs.They have now approved my claims for both the eye infection and a separate finger injury, and the funds are supposedly on their way to my bank account (ending in 9351). Until the money is actually in my account and I see a genuine effort from the company to show they truly value their customers—rather than just fixing a mistake because they were pressured—this review stays as it is.The following is the original review content:I am writing this to express my deep frustration with Ottonova’s claims department. I have been waiting over 5 weeks for a simple reimbursement, only to receive a completely incorrect rejection.My claim was for an acute medical condition. However, in the settlement, Ottonova rejected it by claiming it was "laser eye surgery". It seems the auditor just saw the clinic's name and made a false assumption without reading the actual diagnosis.Ottonova has violated the statutory processing deadline under § 14 VVG and is currently ignoring my appeals to fix this obvious error. I pay a high premium (~140€/month) but am being ghosted when their team makes a mistake.
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