The ottonova Clinic 2-bed tariff includes contributions to old age reserves, whereas the ottonova Clinic 2-bed Flex does not. As it is likely you will not need to claim as many benefits when you are younger as you would when you get older, it is sensible to save less money for old age early on. This is achieved through old age reserves. Contributing to your old age reserves allows us to guarantee you steady premiums as far as possible, even as you get older.
At a younger age, such as when you are still in education, your monthly income is not yet that high, so we have developed the Flex option, where no contributions to your old age reserves are made which makes the premiums lower. You will then be switched to the Clinic 2-bed or the Clinic 1-bed tariff no later than your 40th birthday and will begin to build up your old age reserves.