Focus on Insurance
ottonova
Summary
About the Insurer
ottonova is Germany’s first fully digital private health insurer, based in Munich. With its CrewCare group health insurance plan, ottonova brings an app-first approach to group health insurance—designed for modern, tech-savvy companies.
The annual budget ranges from €300 to €1,500, starting at €13.21 per month. Unique in the market: ottonova reimburses digital health applications (DiGA) up to €200 per year—no other standard budget plan covers app-based therapies. In addition, coverage for vision aids is exceptionally generous at up to €200 per year.
Fully digital invoice submission, a specialist appointment service, and an established medical hotline round out the offering.
Highlights
What sets this provider apart
What sets ottonova apart from the rest:
- DiGA reimbursement up to €200: ottonova is the only supplemental health insurance provider to reimburse digital health applications (e.g., Kalmeda, Vivira)—a unique feature in the market.
- Digital-native: Founded as a private health insurance provider with no legacy baggage—its app, processes, and culture are fully geared toward digital use.
- Vision aids up to €200: Above-average reimbursement compared to the market average (market average: €150–180).
- Available for groups of 5 or more: Also accessible to smaller teams and startups.
- Pension contributions up to €200 per year: Pension benefits are included within the budget.
Overview
Facts at a Glance
Budgets
CrewCare
Budget levels
$300 / $600 / $900 / $1,200 / $1,500
the most affordable way to get started
from
13
€/month
Suitable for