More Coverage for Less Money
Private health insurance designed for international students aged 30+ in Germany – combining strong medical coverage with visa-compliant protection.
Meets German visa requirements
Accepted for your university enrolment
More benefits and flexibility than typical public health insurance options
Best combined with your Blocked Account: Choose Fintiba Plus to get your Blocked Account, free travel health insurance, and private health insurance in one bundle.
Why Students Over 30 Need a Different Health Insurance Solution
In Germany, health insurance is mandatory for both visa application and your university enrolment.
If you’re over 30, the discounted public student tariff usually no longer applies. While voluntary public insurance may still be possible, it is often significantly more expensive.
This means many students over 30 need to choose a private health insurance option that meets all requirements — for their visa, their university, and their stay in Germany.
Choosing the right option early helps you avoid delays and move forward with confidence.
The Health Insurance Solution Designed for You
Instead of comparing multiple unclear options, choose a solution that is designed specifically for your needs. Study Secure Premium by ottonova gives you a clear way to meet all requirements — for your visa, university enrollment, and stay in Germany.
You don’t have to navigate this alone. Every step is designed to be clear and easy to follow.
Visa-Compliant
Your insurance meets German visa requirements — so your application proceeds without issues.
Accepted by Universities
Recognised for enrolment, helping you start your studies without complications.
Clear and Reliable Coverage
Know exactly what is included, with coverage designed for your stay in Germany.
Simple, Guided Process
From application to activation, every step is clear and easy to follow.
What Does Study Secure Premium by ottonova Cover for You?
Study Secure Premium provides comprehensive medical coverage during your stay in Germany. From everyday doctor visits to more complex treatments, giving you confidence that your health is taken care of. Your coverage includes:
Doctor visits and outpatient care
Inpatient care, including free choice of physician
Prescribed medication and specialist treatments
General dental treatment
Emergency transportation costs
Preventive medical checkups
Up to 6 months health insurance coverage worldwide
Why Choose Study Secure Premium by ottonova
Study Secure Premium is designed to meet all official requirements, while also providing reliable medical coverage during your stay in Germany. This way you can focus on your studies knowing your health is in safe hands.
Tailored for Students Over 30
Designed specifically for international students over 30, giving you a clear and reliable option that fits your situation from the start.
English Customer Support
Get help in English whenever you need it, so you can understand your insurance and ask questions without language barriers.
Easy Access to Health Care
Access both private and public doctors. Get the care you need without long waiting times.
Simple and Digital Experience
Manage your insurance, submit bills, and receive fast reimbursements easily through the ottonova app.
How to Get Study Secure Premium by Ottonova
A simple, step-by-step process that guides you from application to activation, ensuring everything is in place for your visa and your studies in Germany.
1. Apply Online
Start your application on our online portal to secure your health insurance in just a few steps.
💡Pro tip: You will also need a German Blocked Account for your visa application. Get this together with your health insurance with our Fintiba Plus package and enjoy free travel health insurance.
2. Confirmation
After your application is approved and finalised, you can download your confirmation documents from your Fintiba account. These documents are essential for your visa application.
3. Activate
Once you're in Germany, activate your health insurance via your Fintiba account. If you have Fintiba Plus, you will also need to activate your Blocked Account.
A Partner You Can Rely On
ottonova is a digital private health insurance provider in Germany, recognised for strong service, customer satisfaction, and reliable coverage.
Outstanding customer service among all health insurers
Strong customer satisfaction ratings
4x Stiftung Warentest test winner
Excellent ratings from the top comparison website Check24.de
Recognised for strong coverage and price performance
Get Fintiba Plus Today
Fintiba Plus is everything you need for your student visa in Germany — fast, simple, and reliable. One package covers your Blocked Account and health insurance, so you can focus on your studies.
Frequently Asked Questions
Will my university accept Study Secure Premium by ottonova?
Yes, universities in Germany are required to accept Study Secure Premium by ottonova. Study Secure Premium meets the official and legal requirements for university enrolment. If your university has any questions, please reach out to us via our contact form. Our team will support you in clarifying the requirements to them.
What is covered by Study Secure Premium by ottonova?
Study Secure Premium by ottonova covers a wide range of medical services, including doctor visits, hospital treatment, prescribed medication, and therapies. It also includes mental health support, emergency care, and additional preventive services.
How much does Study Secure Premium by ottonova cost?
For students over 30, Study Secure Premium by ottonova costs €144.97 per month. This private health insurance is a more cost-effective option compared to voluntary public insurance.
How does reimbursement work?
With private health insurance, you usually receive an invoice from the doctor after the appointment. In most cases, you have 2-4 weeks to complete the payment. This gives you enough time to submit the invoice through the ottonova app and receive reimbursement. For larger bills, for example a hospital stay, ottonova may directly settle the costs with the hospital.
Can I still have private health insurance if I want to work part-time during my studies?
Yes, students with private health insurance can still work part-time during their studies. The important factor is that you maintain your student status by adhering to the working hour limits for international students.