“Can a digital-native private health insurer become the primary healthcare-and-payments app for privately insured Germans?”
Ottonova launched in 2015–2017 as Germany's first fully digital private health insurance (PKV), rebuilding the entire insurance stack around a mobile app: digital claims, telemedicine, concierge support. Beyond core insurance it has expanded into corporate health insurance (CrewCare), partnerships aimed at freelancers (Flow with Malt and Kontist), and most recently an embedded payments experience (Pay Connect) that lets policyholders both submit and pay medical bills in-app – blurring the line between insurance app and personal finance app.
Ottonova moves money over SEPA.
Ottonova's embedded insurance is provided by ottonova Krankenversicherung AG (in-house).
The Embedded Finance Index 2026 maps 2 layers in Ottonova's stack: Money movement (SEPA); Insurance (ottonova Krankenversicherung AG (in-house)).
Ottonova was founded by Dr. Roman Rittweger, Sebastian Scheerer and Frank Birzle and is founded in 2015, headquartered in Munich, Germany.
Get a read on where your own stack stands against Ottonova and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.