Monthly
Verified Top Pickottonova's dental top-up tariffs Zahn 70, Zahn 85 and Zahn 100 start from €8.80 a month, with cover from day one and no waiting period, a first-year cap of €800 for dentures on Zahn 70 and 85, and a 2 year minimum term, as published on 4 November 2026.
Limited Time Offer
Monthly
Verifiedottonova lists Study Protect at €116 a month with a €500 yearly deductible, Study Smart at €117 with no deductible and Study Free at €133 with no deductible, for students up to age 39 who are exempt from statutory insurance, as published on 4 November 2026.
Limited Time Offer
Monthly
VerifiedFor civil servant trainees with Beihilfe, ottonova lists ExklusivGarant24 at about €79 a month and ExklusivFlex24 at about €81, for an entry age up to 38, with the trainee premium fixed until the end of 2026, as published on 4 November 2026. The premium depends on age and state.
Limited Time Offer
Referral
Verifiedottonova pays existing customers who recommend a friend €200 when the friend takes out full private health insurance, €100 for a student or civil servant tariff and €50 for a top-up policy, as stated on its referral page on 4 November 2026.
Limited Time Offer
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Extra codes from partner brands, refreshed alongside this store's offers.
A practical savings guide for shoppers using ottonova DE offers.
ottonova does not publish a voucher code. What it does publish are premiums for some tariffs and a referral reward. Existing customers get €200 when a friend they recommend takes out full private health insurance, €100 for a student or civil servant tariff and €50 for a top-up policy.
The dental top-up tariffs Zahn 70, Zahn 85 and Zahn 100 start from €8.80 a month, with no waiting period and a 2 year minimum term; in the first year Zahn 70 and 85 pay at most €800 towards dentures. Students up to age 39 who are exempt from statutory insurance can choose Study Protect at €116 a month with a €500 deductible, Study Smart at €117 or Study Free at €133, both without a deductible. Civil servant trainees with Beihilfe pay about €79 a month for ExklusivGarant24 and about €81 for ExklusivFlex24, depending on age and state. Premiums for employees and the self-employed come from the online calculator after a health check.
Private health insurance is a long-term contract, and the right tariff depends on your age, health, job and income. This page lists published prices only and is not financial or insurance advice: read the tariff conditions on ottonova's site and compare them with your own situation before applying.
Offers on this page were checked on the shop's own website on 4 November 2026.
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