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.
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