Innovation intelligence brief
Innovation intelligence brief
Hello, I am your private health insurance of the future. Easy. Smart. Digital.
What became of it
Completed · Medium confidence · Last verified 2026-10-17
As catalogued
Germany's first digital private health insurer (full PKV carrier, BaFin-licensed), offering app-based policy management, claims and a digital health concierge.
2026 reality
ottonova sells full private health insurance for employees, self-employed, students, expats and families, Beihilfe tariffs for civil servants, dental and hospital supplementary insurance for statutory members, and employer health insurance under the CrewCare brand. krankenkassen.de lists 52,712 insured persons and EUR 38.1m gross earned premiums for 2024.
Expanded from full private health insurance into civil-servant (Beihilfe), supplementary and employer (CrewCare) segments, and sells via brokers as well as directly. Funded by venture rounds through a EUR 34m Series F (2022).
still the only digital-native full-licence PKV carrier in Germany; scale remains small relative to incumbents and profitability is unproven.
Third taxonomy
REVIEW · Confirmed ottonova is active (2026 tariffs and listings) and verified founders/2015 founding, 2017 licence and 2022 Series F (Munich Startup, Versicherungsbote); founding milestone was cited only to the homepage, now re-sourced. Removed the unverified 'rising underwriting losses' statement.
Documented evidence
Startseite
Homepage 2019
Homepage 2019
Homepage 2019
Homepage 2019
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.