# Ottonova

**Canonical:** https://apis.io/providers/ottonova/  
**Website:** https://www.ottonova.de  
**APIs profiled:** 0

Ottonova is a Munich-based digital private health insurance provider (private Krankenversicherung) founded in 2015, positioned as "the insurance for the mobile age." It sells private full health insurance and supplementary dental and hospital coverage to consumers in Germany, delivering onboarding, claims, a concierge medical service and digital health records through its mobile app rather than through a public developer API. Ottonova is backed by venture investors including Earlybird and HV Capital and operates in the insurtech sector. This API Evangelist profile was created as a portfolio-lead stub and has been through one enrichment pass: probing confirmed a consumer web presence with a published RFC 9116 security.txt but no public API surface (no developer portal, OpenAPI, OAuth/OpenID metadata, or API catalog).

## Kin Score — 13.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 12.5).

| Facet | Score |
|---|---|
| Discoverability | 61.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 30.3 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Ottonova Vulnerability Disclosure** — Hackerone · contact published

## Tags

Company, Insurtech, Insurance, Health Insurance, Private Health Insurance, Germany, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ottonova/). Scores are computed from the provider's own public artifacts under a published rubric.