ottonova.de

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.

Date of experience: Dec 27, 2018