Review Time
As Germany has a very evident but unspoken two-class health system, I chose to switch to private insurance as quickly as I could. It has been great and Ortonova has shown me that it’s the right choice, especially for a „digital-first“ person like me.I use the appointment concierge service every time I can and it’s a huge time saver. Funnily, they always tell my new doctors that I only speak English, even though I do speak German. 😅 It shows that the concierge deals mostly with expats (expat being the synonym of privileged migrants).For a moment I felt a bit unsure about ottonova because I was diagnosed with ADHD after switching to ottonova and they retroactively asked me to send them all the medical records from my previous public health insurance to find if there was a history I hadn't correctly disclosed. It took a lot of back and forth with my previous public health insurance (TK), and multiple doctors. It stressed me out because I didn't know how "normal" this was. In the end they reimbursed all the neurologist and medication expenses, which is great, but I would have wished to at least get a call to explain what's going on. I understand why it was necessary, I just didn't feel they were on my side trying to figure that out with me at that time. This is to tell anyone switching to private health insurance to make sure you disclose everything correctly and ideally have past medical records at hand so you don't have to go looking for them in case something like my case pops up.Just recently I also switched my kids to Ottonova, and am looking forward to seeing them getting much better treatment from doctors like I have since I switched. Setting them up was a breeze.
I came to germany in 2019 and switched to ottonova in 2020. Found them best private insurance provider in germany. Help is always available through their application or via call. Appointment with any doctor is very easy and fast. Reimbursement process for the claims is very smooth. I would recommend them with 5 star ratings
I am a scientist (Dr. in biochemistry) from the Netherlands, and needed private insurance because I received a research fellowship. I subscribed to a private insurance at Ottonova, thinking that I would pay 380 euros per month. Then, because I have a pollen allergy for a few weeks per year, they increased my monthly rate to 409 euros. That is almost 30 euros per month. I take ~10-20 pills per year which cost me 10 euros at a pharmacy. So paying 360 euros per year extra is really outrageous in my opinion. In addition, after being insured for 3 weeks, I receive an email that they updated their policy, and I now have to pay more than 20 euros per month extra again.... Why was I not informed about this. From the original rate that was proposed 1.5 months ago, I now have to pay more than 50 euros extra. This is unacceptable and I will start looking for an alternative insurance.
I'm an expat in Germany since 10 years and this is really one of the best (private) insurance providers. The app is easy to use and the concierge service is particularly excellent. You can schedule appointments through and have all the documents taken care off through the app.
Ottonova advertises as English friendly but when it comes to actual contracts and support only some of the content is available English. They specifically target expats but do not have provide the guidance to help expats understand what is and is not covered resulting is many issues of understanding post procedures. I've also had them reimburse me and later claim that they shouldn't have and ask for the money back, rather than accepting that they made the error and informing me that I would not be reimbursed for these claims in the future. Overall, I have limited trust in them.
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