You may choose to switch to the ottonova Clinic 2-bed or 1-bed tariff before you turn 38.
If you decide to switch to the Clinic 1-bed tariff you can use the 1-bed room and also use the Home Assistance services for longer hospital stays.
If the Clinic 2-bed tariff is sufficient for you, the benefits remain the same as the Clinic 2-bed Flex tariff but you start contributing to your old age reserves sooner. This means you will get a permanently lower premium amount than you would have done if you had changed on your 40th birthday.