Beitragsanpassung 2027

ottonova premium changes for 2027

ottonova has announced that from 1 January 2027, every tariff stays the same for children, teenagers and adults.

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The figures

How much do ottonova premiums rise in 2027?

ottonova premiums stay the same in 2027. Every tariff is unchanged for children, teenagers and adults, from Premium Economy and Business Class to First Class and First Class Expats, with or without a deductible. ottonova has promised stable premiums for 2027, which is why each row shows a guarantee. It is the only insurer in our overview with no change at all. If you're thinking about private cover, we compare ottonova with the whole market in a free call.

Guarantee: ottonova has promised not to raise the premium for this tariff in this age group.

Age group

Tariffs for employees and the self-employed, 11 tariffs

Premium changes from 1 January 2027 at ottonova, tariffs for employees and the self-employed, by tariff and age group
TariffAdultTeenChild
BC Pro, two-bed room, no deductibleguaranteeguaranteeguarantee
BC100-10, two-bed room, 10% deductible up to €500guaranteeguaranteeguarantee
BC100-25, two-bed room, 25% deductible up to €1,250guaranteeguaranteeguarantee
FC Pro+, single room, no deductibleguaranteeguaranteeguarantee
FC100-10, single room, 10% deductible up to €500guaranteeguaranteeguarantee
FC100-10Z, two-bed room, 10% deductible up to €500guaranteeguaranteeguarantee
FC100-25, single room, 25% deductible up to €1,250guaranteeguaranteeguarantee
FC100-25Z, two-bed room, 25% deductible up to €1,250guaranteeguaranteeguarantee
First Class Expats, expat tariff, single or two-bed room, 10% deductible up to €500guaranteeguaranteeguarantee
PC100-10, two-bed room, 10% deductible up to €500guaranteeguaranteeguarantee
PC100-50, two-bed room, 50% deductible up to €1,000guaranteeguaranteeguarantee

Source: ottonova, announcement of the premium adjustment for 1 January 2027.

Your options

What are your options after a premium increase?

You can keep your tariff, switch to another ottonova tariff at any time, or move to another insurer, and none of them is right for everyone. Which option costs less over the years depends on your age, your health, when your contract started and your tariff. We work it out with you, free, also when the answer is a tariff switch within ottonova.

  • Keep your tariff

    You pay the new premium and keep your cover, your tariff and your savings for old age exactly as they are.

  • Switch tariff, same insurer

    A Tarifwechsel moves you to another tariff with your insurer, at any time. Your savings for old age (Altersrückstellungen) stay in full, and only benefits you add need health questions.

  • Change insurer

    You start a new contract after a new health assessment, which we check anonymously first. Only part of your savings for old age moves with you.

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More about ottonova as an insurer

Sources and status ·
  1. [1]Ottonova, announcement of the premium adjustment for 1 January 2027
  2. [2]§ 203 VVG (premium adjustment)
  3. [3]§ 204 VVG (tariff switch)