Bernhard Brühl
CEO
ottonova
ottonova offers a fully digital private health insurance platform for eligible German residents, allowing users to enroll, manage policies, submit claims, and book medical appointments through a mobile app. The service provides flexible tariff options, real‑time claim processing, and a secure health‑data vault protected by AES‑256‑GCM encryption and German data centers, ensuring transparent pricing and regulatory compliance.
- Digital Health
- Financial Technology
- Insurance Technology
- Software Only
Updated 5 months ago
Funding
Raised to date
$33.8MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Funding rounds are not available yet.
Founders
Product
Problem
Traditional private health insurance in Germany relies on paper contracts, slow administrative processes, and limited digital access, making it difficult for customers to manage coverage, submit claims, and book medical services efficiently.
Solution
ottonova provides a fully digital private health insurance platform that streamlines enrollment, policy management, and claim processing through a mobile app. The app offers instant digital contract access, searchable documents, and a concierge service that books doctor appointments and handles billing. Integrated AES‑256‑GCM encryption and German data centers ensure high security, while BaFin approval guarantees regulatory compliance. Flexible tariff structures (Premium Economy, Business Class, First Class) let customers choose coverage levels, self‑deductibles, and optional modules such as age‑related contribution relief or Krankentagegeld. Real‑time claim submission and status tracking reduce paperwork, and the platform’s analytics deliver transparent contribution calculations based on realistic interest rates, supporting long‑term premium stability.
Target Audience
Primary customers are salaried employees, self‑employed professionals, and civil servants in Germany who meet the private insurance eligibility criteria and seek a modern, fully digital health‑insurance experience.
Features
- End‑to‑end digital onboarding and policy administration via a dedicated iOS/Android app
- Concierge service that schedules specialist appointments and manages invoice submission on behalf of the insured
- Secure cloud storage with AES‑256‑GCM encryption and German‑based data centers, BaFin‑licensed
- Flexible tariff options (Premium Economy, Business Class, First Class) with selectable self‑deductibles and optional add‑ons (age‑related contribution relief, Krankentagegeld, guaranteed premium refunds)
- Real‑time claim upload, automated verification, and instant reimbursement status updates
- Integrated health‑data vault allowing users to store and share medical records securely with providers
- Transparent contribution calculation using a realistic accounting interest rate to ensure long‑term premium stability