ottonova

ottonova Krankenversicherung AG is a digital private health insurer (Private Krankenversicherung, PKV) based in Munich, Germany. Founded in 2015, the company set out to modernise private health insurance through a fully digital process, from online application and policy management to app-based claims. It is authorised by BaFin, the German financial regulator, and its data is stored in data centres in Germany. The company offers private health insurance tariffs in Germany, including an expat-oriented tariff, as well as supplementary insurances such as travel health and dental cover. Private cover is generally open to employees above the income threshold, self-employed people and students. English-speaking phone and chat support is available to help international residents understand their options, although ottonova states that the contract language is German only, so policy documents should be reviewed in German or with professional translation support. For the Indian expat community in Germany, ottonova can be one of several private health insurance providers to research when comparing cover options. Prospective customers are encouraged to check eligibility criteria, the exact terms of each tariff and the official German documentation before making decisions, and to seek independent advice where needed.