ottonova
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.
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.
Facts at a Glance
CrewCare
$300 / $600 / $900 / $1,200 / $1,500
Tech-savvy companies, startups, and employers with a young, digitally-oriented workforce
Budget Rates at a Glance
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