ottonova
Experiences, reviews and information about the provider
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Details
Pros
- Its own BaFin permit as a health insurer, not a pure intermediary
- Fully digital handling including invoice submission via app
- Dental supplementary plans partly available without a waiting period
- Extra services such as a digital consultation and a concierge appointment service
Cons
- Comparatively young insurer with a short track record
- Small policyholder base compared with established health insurers
- No branch network and no personal on-site advice
- A health check is required for comprehensive cover, as is usual in the industry
Fact sheet: ottonova
| Company name | ottonova |
| Founded | 2015 |
| Headquarters | München |
| Country | 🇩🇪 Germany |
| Type | insurtech |
| Website | ottonova.de |
About ottonova
ottonova Krankenversicherung AG was founded in Munich at the end of 2015 by Roman Rittweger, Sebastian Scheerer and Frank Birzle and received BaFin's permit to operate private health insurance in June 2017. Unlike many insurtechs, ottonova is therefore a risk carrier itself and is subject to German insurance supervision (BaFin is the German financial regulator). The company positions itself as Germany's first purely digital private health insurer: application, contract management, invoice submission and doctor's appointment service all run through the app and website. Besides comprehensive health insurance there are supplementary policies, including dental and hospital supplementary plans as well as company health insurance. There is no deposit protection (Einlagensicherung), as no bank deposits are taken.
Special features
- Founded at the end of 2015, BaFin licence since June 2017
- First purely digital private health insurer in Germany
- Comprehensive health insurance, supplementary plans and company health insurance on offer
- Based in Munich, handled through its own app
