Review Time
Ottonova is by far the best insurance partner I have ever used before. Extremely easy to use, fairly priced, fast in processing. The employees are very polite and helpful. I have business dental care insurance plan and I definitely will switch to their health insurance plan, as soon as my salary allows me to switch.
Wow. Where do I begin. Ottonova was recommended by the company handling my relocation to Germany from L.A. The reps at Ottonova couldn't be nicer. Always cordial and helpful in every way.They knew my my husband and I were middle aged and the only real health issues we had were seasonal allergies. I'm an athlete and he's older, but in excellent health.Yet after weeks of asking us to get a medical exam, costing us €420 out of pocket, they denied us coverage. The results were "normal" according to the doctor that administered the tests, but to Ottonova, they were deal breakers warranting a denial of service. One of the reasons they cited for the denial was that my BMI was classified as "overweight". I'm 5'11/198lbs, a surfer and a cyclist. I'm an athlete and my built is big. That's apparently a health risk for Ottonova.What a waste of time. We're going to try a health insurance broker to see what the alternatives are. As for Ottonova, I'd avoid it if you're an athlete, or God forbid, have had any medical history to speak of.They're only looking to insure perfect human specimen, which is so wrong (and scary) on so many levels.
Applied to Ottonova and received „unverbindliches Angebpt“. Then call from friendly service rep to answer questions. So far so good. Next I get a call from this female who says she wants to confirm my medical status. I have ZERO medical conditions, have had no surgeries, not on any meds, etc. THEN she asks about where I pay my taxes. Wait. Is this not a medical check? No they need to know. So I tell her in Germany although I have a second home in the U.K. She goes a bit weird on me and starts insinuating they needed to review my application adm would let me know. I smell a rat and ask her if there was a problem? No real answer. Never hear back until I email them a few days later to be told they could not offer me cover. No explanation. Not returning my calls. Wow. Great service. Really fostering trust here. Not. To summarise: Given the other poor reviews combined with my experience during sign up I could not recommend Ottonova at all.
Ottonova refuses to insure people taking PrEP, a preventative treatment to avoid catching HIV. So they are in effect punishing people for taking measures to stay in good health.They will reimburse you placebo treatments like homeopathy, but active preventative measures like PrEP are a no-go. Apparently they would rather have customers not protecting themselves and catching a life-altering condition.The fact that they would rather spend money to subsidize blog posts to advertise them than on preventative care for their customers speaks volume about their values.Edit: incredible how Ottonova's response to my review is filled with misinformation about the safety of PrEP. PrEP is an absolutely safe preventative treatment. This is the scientific consensus, medications used for PrEP have been used for HIV treatment for decades, the only innovation of PrEP is using them for prevention. The fact that a health insurance would say otherwise is extremely worrying.
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.
I was very dissapointed. I felt like I was lured by the modern and informal approach only to be dissapointed with a discriminating, outdated, unprofessional, and dehumanising experience when doing the « medical check review ». They asked me if I had any kind of psychological or psychosomatic treatment in the past 10 years and I admitted to having had a few sessions with a therapist due to a hard time in my life a few years ago. Immediately they stopped and said they cannot ensure me. I asked why and they kept repeating « we cannot cover that » as if I am an object, not a human being. What kind of business, today in 2021 descriminates againts people doing therapy as a prevention and to deal with life stress? When anxiety, depression which comes when this is not done in time is a full epidemic nowadays?!! Pure stupidity and honestly left me with a very bad idea of the company.Note after Ottonova’s reply: another copy-paste « response », clearly without even having read the complaint and the answer not addressing any of the questions raised. No comments…
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