With private health insurances such as ottonova Study Secure Premium, you will receive the reimbursement for the medical treatment after you submit the invoices to ottonova for reimbursement.

You can easily upload the invoice to your ottonova app. The ottonova team will review and approve your reimbursement - the majority of ottonova claims are reimbursed before the invoice's due date. You should submit your invoice as soon as you receive it as you will have a 30 days deadline to pay the invoice.

Invoices can be easily submitted and reimbursed via the ottonova app* as follows:

• Step 1: start the ottonova app and click on the plus "+" icon at the bottom of the screen, then choose "Submit document" from the list. 
• Step 2: take a photo of the invoice or upload a photo of your invoice that has already been taken
• Step 3: click on "Submit document" when you have uploaded or photographed all pages of your invoices
• Step 4: get your reimbursement according to your tariff

You can track the processing status of your invoice in your timeline on the app. Please contact the ottonova service team directly on the ottonova app for the progress of your reimbursement. 

If the reimbursement is processed before the deadline of your invoice payment, you might not have to pay for the treatment yourself in advance! 

Important: Please check with ottonova that a treatment is totally eligible before you go ahead. With some treatments you even have to get in touch with ottonova to have the costs approved beforehand. If you need dental implants or other dentures, for example, you will have to submit a treatment and cost plan.

* This is an external app (not managed by Expatrio) and the features might change.