About this deal
ottonova is private health insurance (PKV) built for people who would rather run their health admin from an app than a filing cabinet. You submit claims by photographing a bill, you can reach a doctor and a concierge service digitally, and the whole experience is designed to feel like a modern service rather than a stack of forms. For employees over the income threshold and the self-employed, that is a genuinely different way to do PKV.
Who it fits
- Self-employed people who can choose PKV freely
- Higher-earning employees weighing private cover
- Anyone who values digital claims and fast service
The important, honest caveat: private health insurance is a long-term decision, not a deal you switch on a whim like a car policy. Premiums are based on your age and health at entry and can rise over the years, and returning to statutory insurance later can be difficult or impossible, especially as you get older. The digital experience is excellent, but the right question is not which PKV app you prefer, it is whether PKV itself suits your career and life plans at all. For many that answer is yes, for others statutory cover remains the safer base. Weigh it carefully, ideally with independent advice, before you sign.
What you get
- App-based claims
- Concierge service
- Modern tariffs
- For employees & self-employed
How to get this deal
- Click the button below to go to the official ottonova website.
- Check the current terms and eligibility directly on the provider’s page.
- Complete the sign-up or order there — the offer is applied on the provider’s site.