Review Time
I am insured with Ottonova for less than a year now, in which time I got diagnosed with a chronic condition, nothing too serious. As I am not insured for a long time by them, now every time when I go to a doctor regarding that condition, or get a medicine, they require some extra documents, some of them I have already provided. On top of that, now they started questioning absolutely everything that I ever complain to my doctor about, to the point of that being so much extra work for me to do in order to get my medical bills reimbursed. They advertise very well, but the quality of the service is lacking, and they create a feeling of distrust. Also the customer support is incapable of answering simple questions, they just repeat the same sentences, they are nice and fast to reply, but so are chatbots. Processing time is also very long. Overall, for monthly amount that they charge it is definitely not worth it, they just create additional stress and very unsafe environment. But as long as you are super healthy, you’re good, just pay a huge amount monthly and stay away from doctors.
Ottonova used to provide excellent service, but over the past two years, their focus on acquiring new customers seems to have come at the expense of existing ones. The review time for invoices has increased from one week to over a month. Despite their assurances of working on improvements, there's been no noticeable change. If you face hospitalization and need to cover substantial expenses upfront, their lack of responsiveness could leave you in a challenging financial situation
They are slow to review invoices and they have punitive limits. For example, they limit teeth cleaning to once per year, even though my dentist says I have a condition that requires cleaning every 3 months. So they put short term profits ahead of long term patient care and long term increased costs
I have full private insurance with Ottonova. I am going through my second pregnancy with them and I am really happy. The app and support is great but mostly the coverage is really comprehensive. I was a bit unsure to move to a less traditional insurer but after more than two years with them, I can easily recommend it.
Generally slow (wait weeks for reimbursement) expensive tarrifs, and opaque pricing. I've been with them 4 years now and it's getting worse. More than once I have had to challenge payments to get full reimbursement. I'm looking for an alternative
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