While I feel that ottonova has good customer service and a responsive team, I cannot give them a good review because of my experience with them and I would caution anyone signing up for insurance with them for a few reasons. 1. if during your physical anything comes up that proves to be a "risk factor" they will give you a very high premium. In my case over 600 euros a month (when initially it was quoted that it would be closer to 200-300 a month) 2. you even if you have later testing done and the "risk factor" is now gone or normal, they will not change your premium amount for 3 YEARS! That amounts to paying thousands of euros for something that is not an issue at all and that you don't need treatment for. 3. you are locked into a contract with them for 2 years unless you move out of the country. I am a healthy young person, and while I was initially happy the found a potential health risk/issue, I am now very upset that it turned out to be nothing, and I am stuck paying so much money each month for 3 years. I would recommend if you start the process with them and they offer you a very high premium, to get a second opinion with another insurance provider or get a test by an outside doctor to see if it is really an issue or just a way for them to get more money from you.
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