ottonova Reviews 805

Shows how digitization has to work.

Ottonova are one of the best companies I have dealt with in Germany. Their excellent customer service is what sets them apart: it is friendly, professional and quick. They’re always happy to help, and i wouldn’t hesitate to recommend them.

It's the best online insurance you can find. Easy, without hidden costs and you can be very sure, your data is completely save and protected. I would do it again.

Insurance in Germany is not always a straightforward matter. If you have the opportunity to be covered by the private system, you will want an insurance company who can always help you through the process. Ottonova has found a way to make everything easy. They have a simple sales and registration process and were able to provide much information to assist in making an informed choice. The concierge is always only a chat message away to help you with a claim, policy question, or other matters.

Ottonova is certiantly not the cheapest provider out there, but their prices are only modestly higher with a significantly higher service level. When it comes to your health, you want an insurance provider who is easy to work with and that is easily worth a slightly higher premium.

There is also no guessing as to what is covered under your policy. Terms are clear and easy to understand.

I initially tried registering with a lower cost provider and after 4 weeks of waiting found I could not register as I did not have a SCHUFA record or a health history in Germany (obvious problem for any expat). Yet registration with Ottonova took less than 5 days from start to finish.

Would recommend them to anyone looking at the PKV system.

Great customer service!

easy to work with, clear and honest communication,

I would highly recommend Ottonova. I had a very smooth experience with Ottonova right from the first conversation I had with signing up. Registering was relatively simple with an English-speaking agent on the telephone guiding me through the registration form, and answering my many questions.

Whilst I was in Germany, I was unfortunately admitted to hospital and required surgery. Ottonova's cover on the First Class Expat tariff allowed me to have a private room and the chief surgeon looking after me. All my hospital and medication claims were paid in full and dealt with directly between the hospital and Ottonova.

I also visited the dentist, optician and other doctors during my time in Germany. I was able to book these appointments easily through the online Concierge chat (English speakers are available) who are very responsive. My claims for these consultations and the medication were in almost all cases paid out in full (with the exception of doctor visits which is 90% of the invoice amount). Submitting a claim was very simple, using the photo function on the Ottonova app on my mobile phone to take photos of the relevant invoices etc. Payment was generally made within a few days of submitting the invoice, receipt and/or prescription.

The cost of the tariff was relatively cheap and cheaper than the public health insurance options, at least in my circumstances. The other private health insurers did not have readily-available English speakers unlike Ottonova.

Ottonova is doing things different and thereby much better. The setup as a digital health insurance was the main reason for me to switch to ottonova. All data and documents are available in the app, digital doctors visit possible, easy handling of bills and very fast money transfer (I received the money on the next day after uploading the invoice). Communication with ottonova was so far always easy, friendly and helpful. I am very happy!

I am an ottonova user für two months now and I am totally happy. The app is working very good and the individually Service as well. You've got always an friendly and helpfull contact Person.

Application process was very easy and fair with the medical questions.
Always fast responses in the chat and contemporary solutions.
Cant say more since i started quiet recently and hadnt any medical requests yet.

Great Service and consulting, easy communication, top availability. So far, I am absolutely amazed how easy insurance management can be - perfect product for me!

I am now a happy customer for 10 months.
Ottonova provided me with all the information I needed for the decision and the application process was quick and without issues.
All documents were uploaded and accessible online..

I moved for my job to Germany, so i had no existing ties with the local insurance landscape.
Especially for finding new doctors and questions about the German health system, the concierge service was absolutely brilliant!
The app helps me to keep track of my past appointments and allows me quick access to all documents.
Money arrived latest 2 workdays after the upload of a bill - usually weeks before the payment is due!

So far, they exceeded my expectations in terms of service - I gladly recommend this insurance

Hello,
in my previous private health insurance I had no real clue of what I was actually paying for and wasn't really using much of what was offered. The reason for that was the poor communication and intransparency of the insurance.

Now that I am with ottonova, this has changed. I am fully aware of all services ottonova is offering and what I am paying for. Communication with the service team is clear, also available and easily understandable. Also the additional features/services of the digital doctors appointment or doctors appointment booking (the concierge) are fantastic.

Hence, since I am with ottonova I am actually feeling that the money I am spending on my private health insurance is worth it and I am well covered with ottonova.

Best regards
Alex