ottonova's bKV: Plans, Benefits & Costs

The ottonova CrewCare plan is designed as a budget-based plan and bundles its benefits into an annual health budget, which employers can choose from five tiers ranging from 300 to 1,500 euros per employee per year. Instead of individual benefit modules, this provides a uniform framework from which all reimbursable expenses are covered—the selected budget tier thus directly determines the extent of coverage over the course of the year.

In the outpatient sector, the budget fully covers, among other things, medically prescribed medications, bandages, and therapeutic products, as well as medical aids, preventive and travel vaccinations, and digital health applications. Services provided by alternative practitioners and naturopathic treatments are reimbursed at 100 percent under the Hufeland provision. For preventive medical checkups, there is a combined sublimit with digital health applications and vaccinations ranging from 200 to 300 euros per year, depending on the budget tier; vision aids are also covered by a separate sublimit within the overall budget. Advance payment by the statutory health insurance provider is not required for reimbursement, so invoices can be submitted directly to ottonova.

In the area of dental care, professional teeth cleaning and teeth whitening are included in the coverage; however, the plan does not provide for a daily hospital allowance. The offering is supplemented by digital services such as video consultations via TeleClinic, a specialist appointment service, and a medical hotline, which facilitate outpatient access to medical advice.

From an organizational standpoint, ottonova CrewCare can be purchased for companies with as few as five employees, making the plan accessible even to smaller businesses. The premium is paid by the employer, and coverage begins upon enrollment in the group insurance policy; only the employer can terminate the policy on behalf of the insured person.

This plan does not include family coverage—the health budget is available exclusively to the person employed by the company. If the employment relationship ends, the insurance coverage also ends; continued coverage is not available under ottonova CrewCare.

Thanks to its low minimum company size requirement and finely graded budget structure, ottonova CrewCare is particularly well-suited for small and medium-sized businesses that want to offer their employees straightforward, budget-driven supplemental outpatient coverage without requiring advance payment from the statutory health insurance (GKV), while keeping costs predictable by selecting the appropriate budget tier.

• CrewCare (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options · for companies with 5 or more employees

• Preventive examinations: Yes, 200–300 € per year per budget level (shared sublimit with DiGA and vaccinations)
• Alternative Practitioner: Yes, 100% according to Hufeland or GebueH
• Natural healing methods: Yes, 100% according to Hufeland or GebueH
• Osteopathy: included
• Medications and medical supplies: Yes, 100% (prescribed by a doctor), including copayments
• Medications: Yes, 100% (prescribed by a doctor), including copayments
• Resources: Yes
• Vaccinations: included
• Travel vaccinations: included
• Vision aids: with a sub-limit within the health care budget
• Professional teeth cleaning: included
• Teeth Whitening: Included
• Daily Hospitalization Benefit: No
• Digital Health Services: Video Consultations (TeleClinic) · Specialist Appointment Service · Medical Hotline · Digital Health Applications (DiGA)
• Upon leaving the company: Continued insurance coverage is not available

Premiums for ottonova CrewCare are based on the selected budget tier: The higher the annual health budget per employee—ranging from 300 to 1,500 euros—the broader the scope of reimbursable expenses, and the tier accordingly affects the premium amount. The premium is paid in full by the employer.

The budget covers the outpatient and dental services listed in the plan, such as medications, bandages, and medical supplies; assistive devices; naturopathic treatments; dental cleanings and whitening; and—within the framework of a shared sublimit—preventive checkups, digital health applications, and vaccinations. Vision aids are billed under a separate sublimit, which is also included in the overall budget.

Since advance payment by statutory health insurance is not required, claims are paid directly from the budget without first having to file a claim with the statutory health insurance provider. ottonova reviews the calculated benefits at least once a year and, with the approval of the actuarial trustee, adjusts premiums in the event of significant discrepancies between the calculated and the actual insurance benefits required.