The life of Digital Natives is, as the name suggests, digitally shaped through and through. You order groceries online, contactless payment has long since overtaken your cash and you can easily switch between multiple devices. While many of the services that you use for your life are already completely digital, a look at health insurance brings with it nasty surprises. Often nothing is digital here. Making an appointment with the doctor by phone feels just as backward as going to the post office to send in sick notes.
PKV, GKV – OMG?
No wonder – the insurance industry is complex and does not invite founders and young professionals to deal with it. Get statutory health insurance quickly and easily and I can tick off the topic. Yes, that’s the opinion of many young professionals, whose focus during this time is more on their own orientation, career opportunities and work-life balance. But caution is advised here: because the insurances on the market rarely correspond to one’s own fast, digital and modern lifestyle. It doesn’t matter whether it’s a job in the company or starting your own start-up: Your health insurance should meet the same needs as all other services that you have chosen as a digital native. Statutory health insurances, or GKVs for short, with their sluggish processes often do not fit into the digital and, above all, fast world of digital natives.
Private and digital – ottonova health insurance can do that
Private health insurances (PKVen) like ottonova have recognized exactly this dilemma and created digital solutions that can be easily adapted to the environment of young professionals. Customers have access to all documents relating to their insurance via a single app. Completely digital and without paperwork. You can also see at a glance which services you can use – such as the concierge service from ottonova: Customer service can be easily reached via a chat and answers all questions and concerns in real time. Customers can also use the app to automatically schedule a doctor’s appointment – or even choose a digital doctor’s visit that can be carried out immediately. The advantages: Long waiting for an appointment is eliminated, annoying journeys through the city are eliminated and the doctor can help quickly and easily. The prescription is also sent digitally and ottonova reimburses the money for the services within two working days.
Private health insurance with digital services? Available at ottonova – arrange a consultation now.
Young, wild – and privately insured?
What at first glance doesn’t seem to go together well is inextricably linked. With the right health insurance behind them, founders and young professionals can concentrate on what is most important to them. Private health insurance in particular is a real – if not more profitable – alternative for young professionals. Because it is not at all clear to many that we do not necessarily have to slip into the same statutory health insurance that we were already covered by family insurance.
The fact is: From a certain income, state of health and entitlement to benefits, private health insurance is often more worthwhile than statutory health insurance – even at a young age. With the insurance of digital providers like ottonova They also receive numerous benefits to which they are entitled for a lifetime and which they fully cover. Quite the opposite of the services provided by statutory health insurance, which can change year after year – and rarely to the benefit of the customer. At ottonova, young professionals benefit not only from a completely digital consultation service but also from very good services in the event of illness – for example, a very short waiting time at the doctor, treatment by the head physician as well as osteopathy and alternative practitioner hours. Tired of going to a practice? No problem – at ottonova many offers can also be used via medical apps. Simply speak to the concierge briefly about the offer you want, and you’re ready to go.
The advantage of supplementary insurance
All young professionals and founders who do not want to decide directly on private health insurance can do so Supplementary dental insurance from ottonova take advantage of. In 2020, it became the test winner of the Stiftung Warentest for the second time in a row and takes on numerous services such as:
- Professional teeth cleaning without waiting
- Dental treatments
- High quality dental prosthesis including implants and inlays
With the additional dental insurance, customers can also fall back on the concierge service and fully digital processes, which the private health insurance from ottonova also offers. This of course also includes fast invoice reimbursement: Simply scan in the dentist’s invoice via the app and upload it. ottonova checks and reimburses the costs within 48 hours – there is no need for advance payments.
When is the change worthwhile?
Contrary to what is often thought, private health insurance pays off at a young age. Sometimes it can even be the cheaper alternative to the legal one. This is because GKV insured persons pay significantly more when buying medication, physiotherapy and dental treatment, for example – this does not apply to most tariffs for private insured persons. In addition, ottonova also offers significantly better benefits in the area of pensions. Whether ottonova private health insurance is an option for employees is determined, among other things, by the gross annual salary, which currently (2020) must be above the mandatory insurance limit (JAEG) of 62,550 euros. Self-employed founders can also switch without this income limit.
Young professionals and young founders in particular should let the change go through their heads and not stay with the previous statutory insurance out of convenience. Because their young age causes the insurance premiums to drop, which will pay off in later life. In this way, they can use the money saved directly for their retirement provision and benefit from the early conclusion even in old age. If you are considering supplementary dental insurance from ottonova, you can postpone the decision to remain in statutory health insurance, but you can already protect yourself from high costs at the dentist.
Good to know: In the case of employees, the employer pays up to 50 percent of the contributions to private comprehensive health insurance.
PKV? No problem!
How do young professionals and founders decide between private and statutory health insurance? It depends above all on your own wishes and lifestyle. Those interested can find out whether the switch is worthwhile with just a few clicks on the ottonova website. Simply calculate the contribution and then make an appointment for a consultation, in which you can talk to an expert about individual services. If you are looking for health insurance that works just as well as you do, when digital first is not an idea, but reality and if all-round good health coverage is important, then ottonova is particularly worthwhile.
With the right advice and the change, the insurance adapts to the life of digital natives and is brought from the Stone Age to the modern age.
Item picture: Adobe Stock
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