Steer clear if you have pre-existing conditions. I contacted Ottonova after reading several online articles that stated it was one of the top health insurance companies for expats in Germany. I then had a screening phone call where I let them know all about my health. This was done very professionally and I was excited about selecting them as my provider.I'm in my early 30s and healthy - the only medication I need is my asthma inhaler. I have very mild asthma that I've had for many years now. I've never once been to the hospital for it, I just take my inhaler every day and it's fully under control. Other than that I have lactose intolerance (which affects around 65% of the population) and endometriosis (which affects 1 in 10 women). For me, both are very mild conditions that I take no medication for. After the phone call, Ottonova sent a nurse over to give me a health checkup, which involved a blood test where the nurse couldn't find my vein so poked at me several times. It was frustrating but I thought it was worth it, as the next step would be getting insurance.Today, I received an email saying my insurance application had been rejected. No explanation, no higher fee adjustment. Just rejected.I find this very frustrating as: 1. I would consider myself healthy enough to be insured, even at a higher premium. I'll typically only visit the doctor for asthma checkups twice a year. What happens to people who have had more serious issues, if I'm not healthy enough to be insured at my age?2. I wish I had been told there was such a high risk of being rejected during my phone screening, rather than wasting my time getting a health checkup and blood test first.I've contacted Ottonova to ask whether there was more of an explanation as to why I'd been rejected. I've only been told that the combination of asthma, endometriosis and lactose intolerance meant I couldn't be insured - and that they didn't have any further details. The only conclusion I can come to is that if you have any pre-existing conditions it's best not to waste your time getting in touch with Ottonova.
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