Concordia Zahnzusatzversicherung: a breakdown of the ZAHN SORGLOS tariff

Concordia Zahnzusatzversicherung — supplementary dental insurance from Concordia Krankenversicherungs-AG (Hanover). The flagship tariff in the range is called ZAHN SORGLOS: it reimburses 100 % of the cost of dental treatment, prosthetics and orthodontics and has no Wartezeit (waiting period). Below is a breakdown of the 2026 terms: premiums by age, limits, pitfalls and who this tariff really suits.

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How much does Concordia ZAHN SORGLOS cost?

The premium depends on your current age: it rises when you move into the next age group, and the tariff builds no Alterungsrückstellungen (ageing provisions). Apart from the surcharge for missing teeth (see below), there are no other medical surcharges — you are either accepted or declined.

Age at contract start	Monthly premium	Per year
0–19 years	17,98 €	215,76 €
20–29 years	23,26 €	279,12 €
30–39 years	32,67 €	392,04 €
40–49 years	35,75 €	429,00 €
50–59 years	46,97 €	563,64 €
60–69 years	53,52 €	642,24 €
70–79 years	63,60 €	763,20 €
80–89 years	50,24 €	602,88 €
90–99 years	24,71 €	296,52 €

Figures from the Concordia 2026 tariff sheet and the official tariff page. The premium is based on your current age: when you move into the next age group, it changes according to the table.

What this means in money terms. One implant with a crown costs around 2 900 € in Germany, and the statutory health insurance reimburses about 784 €. That leaves more than 2 000 € to pay out of your own pocket. The annual premium at age 30 is 392 €. So the policy pays for itself with the very first implant.

What the Concordia dental policy covers

Service	Reimbursement
Dental treatment fillings, root canal treatment, periodontal treatment	100 %, no upper limit
Prosthetics implants, crowns, bridges, veneers	100 %, within the Zahnstaffel for the first 3 years
Splints for bruxism, DROS splints	100 %, no upper limit
Professional tooth cleaning fissure sealing, polishing, fluoridation	100 %, up to 550 € per two policy years
Orthodontics for children, KIG 1–2 (statutory severity grades) mild malocclusions, the Krankenkasse (statutory health insurer) pays nothing at all	100 %, up to 8 000 € per case, within the Zahnstaffel for the first 3 years
Orthodontics for children, KIG 3–5 moderate and severe misalignments, the Krankenkasse contributes	100 %, no cap per case, within the Zahnstaffel for the first 3 years The family’s statutory share of 10–20 % (§ 29 SGB V) is not covered by the plan: the Krankenkasse refunds it once the treatment has been completed successfully, and if the treatment is stopped, nobody refunds it.
Orthodontics for adults Invisalign, retainers, ceramic braces	100 %, up to 8 000 € per case, within the Zahnstaffel for the first 3 years
Pain control and sedation acupuncture, hypnosis, general anaesthesia, nitrous oxide	100 %, no upper limit
Teeth whitening	100 %, up to 500 € every four years

All amounts are reimbursed up to the GOZ maximum factor of 3,5 — the upper limit of the German dental fee scale. Tariffs that stop at the 2,3 factor leave the difference to you; ZAHN SORGLOS does not create this problem.

Zahnstaffel: reimbursement limits of the first three years

This is the main thing to understand before signing. In the first few years, the insurer limits the payout — otherwise, people would take out policies a week before getting implants.

Policy year	Maximum reimbursement
1st	1 500 €
2nd	3 000 €
3rd	4 500 €
from the 4th	no limit

In the first year the cap is pro rata to the number of insured months: at Concordia the policy year is the calendar year.

Two important exceptions.

• The limit applies only to prosthetics and orthodontics. Dental treatment, splints, cleaning and pain control are reimbursed in full from the very start.
• When an accident occurs, the limit does not apply at all — a knocked-out tooth is restored regardless of the contract year.

Wechselbonus (switching bonus) if you move from another insurer

If you were already insured, Concordia shortens the limit period by one year: full reimbursement starts in the third year, not the fourth. The conditions are strict, so check all four:

• the switch is direct, with no gap between the policies
• the previous policy ran for at least 12 months
• it reimbursed private bills for prosthetics — a “Krankenkasse only” option does not count
• you need a copy of the policy and the cancellation confirmation

Dental insurance with no waiting period

By law, an insurer may set a waiting period of up to three months, and up to eight months for dental treatment, prosthetics and orthodontics (§ 197 VVG, the German Insurance Contract Act). As with most of the tariffs we review on this site, with ZAHN SORGLOS there is no Wartezeit (waiting period): dental bills are reimbursed as soon as the policy starts.

There are no exceptions on timing: treatment, prosthetics, splints, orthodontics and professional cleaning are all reimbursed from the first day of cover.

No waiting period does not mean, however, that you can take out cover for treatment that has already been recommended. The insurer distinguishes between a “waiting period” and “treatment already begun”: costs for anything recommended or started before you signed the contract are never reimbursed.

Insuring missing teeth

Concordia accepts up to four missing teeth — for a surcharge on the monthly premium.

Missing teeth	Monthly surcharge
1	9 €
2	18 €
3	36 €
4	54 €

The scale: the first and second missing tooth cost 9 € each, the third and fourth 18 €. The surcharge is paid monthly together with the premium.

• wisdom teeth do not count
• gaps already closed with a bridge or implant do not count as missing teeth

If more than four teeth are missing, you need tariffs that do not ask about missing teeth — we will tell you which ones are available now.

Sorglos-Garantie and modern methods

The tariff includes a guarantee: new treatments that become available later are automatically included in the cover, without changing the policy. The tariff already includes things many insurers regard as “not medically necessary”:

• dental laser
• CEREC — a crown in a single visit
• digital volume tomography (DVT, cone beam CT)
• Invisalign and DROS splints
• surgical microscope
• PACT photodynamic therapy and Vector technology for periodontitis

How much does the tariff actually save?

Calculation based on the Concordia tariff sheet — a set of typical cases in one year:

Case	Bill	Krankenkasse pays	ZAHN SORGLOS pays
Implant with a crown	2 900 €	784 €	2 116 €
Root canal treatment	1 000 €	0 €	1 000 €
Occlusal splint for bruxism	750 €	0 €	750 €
Orthodontics	4 500 €	0 €	4 500 €
Professional tooth cleaning	100 €	0 €	100 €
Anaesthesia and sedation	350 €	0 €	350 €
Teeth whitening	400 €	0 €	400 €
Total saving			9 216 €

The example shows the most the tariff can pay and ignores the limit of the first years: in the first year, reimbursement for prosthetics and orthodontics is capped at 1 500 €.

Minus 30 % if the Krankenkasse does not pay its share

Concordia calculates its reimbursement from the invoice after the Krankenkasse has paid its share. If the Kasse is not involved in the invoice, the insurer cuts the payout by 30 %.

Two situations where this applies:

• Treatment abroad. If you go to Turkey or Ukraine for implants, the German Krankenkasse pays nothing towards them, and Concordia deducts 30 %. In EU countries such as Poland, the Kasse reimburses its share under § 13 Abs. 4 SGB V (German Social Code, Book V) if the treatment plan has been agreed with it in advance. The ZAHN PLUS terms, § 2.3, say verbatim: “Falls Sie zustehende Leistungen der GKV … nicht in Anspruch nehmen, weil Sie sich z. B. für eine Behandlung im Ausland entscheiden, kürzen wir den Erstattungsbetrag um 30 %” (if you do not claim statutory benefits you are entitled to, for example because you choose treatment abroad, the reimbursement is cut by 30 %).
• Dentist without Kassenzulassung (accreditation with the statutory scheme). A dentist who does not work with the Krankenkassen triggers the same penalty. The ZT and ZB terms, § 3: “Bei Zahnärzten ohne Kassenzulassung wird der Erstattungsbetrag pauschal um 30 % gekürzt” (for dentists without Kassenzulassung the reimbursement is cut by a flat 30 %). For orthodontics, the same rule is in ZAHN PLUS, § 2.4.

The logic is simple: the insurer assumes the Krankenkasse covers part of the invoice. If you give up that share of your own accord, Concordia takes the view that you have raised its costs yourself — and offsets this with thirty per cent.

Practical conclusion: it pays to be treated in Germany and by a dentist with Kassenzulassung. If you are planning treatment abroad, tell us before you sign — there are tariffs on the market where this clause is milder or missing altogether, and we will find one for you.

What you should know before signing

• Minimum contract term: one year. After the first year the policy can be cancelled monthly, with the usual notice.
• Residence in Germany. To take out the policy, you need a permanent address in Germany and at least three years of residence in the country.
• A child cannot be insured on their own. An adult family member — a parent, grandmother or grandfather — must be insured with Concordia. Only then is a policy issued for the child.

Health questions: Concordia checks your dental status

When you apply, Concordia carries out a Gesundheitsprüfung (health assessment) — a questionnaire on the condition of your teeth. The insurer is entitled to verify your answers with your dentist.

Be honest. A hidden crown or diagnosed periodontitis will come to light with the very first bill, and the insurer will then refuse to pay and terminate the policy for breach of the duty of disclosure (§ 19 VVG). If treatment has already been recommended, the order is different: first find a tariff that accepts you in your current condition, and only then see the dentist.

Who it’s suitable for, and who it isn’t

Suitable for:

• people whose teeth are generally fine and who have no treatment recommended — the tariff gives maximum value for the money
• parents of schoolchildren: the Krankenkasse does not pay for KIG 1–2 orthodontics at all, and braces cost 4 000–6 000 €
• people who are afraid of the dentist: anaesthesia and sedation are covered, with no limit
• people switching from another insurer — the Wechselbonus removes one year of the limit period

Not suitable:

• if treatment has already been recommended — Concordia will not pay for it
• if more than four teeth are missing
• if you only need professional cleaning: paying 32 € a month for 275 € a year makes no sense, a narrower tariff is cheaper

How to take out the policy

The calculation takes a couple of minutes: all you need is your date of birth and the desired start date. The calculator below is the insurer’s own, with our broker number, so we see your application and follow it through until the policy is issued.

If you are torn between tariffs or your dental situation is complicated, start with the comparison on gut-zahn.de or write to us before you sign up. We work as an insurance broker and compare offers across the whole market rather than selling a single product.

Open the Concordia calculator

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Frequently asked questions