A healthy smile is important, and affordable dental insurance is a key aspect of providing quality care. However, insurance companies have some restrictions. For example, missing one tooth at the time of concluding the contract, not counting the eights, will not cause problems with finding a company, but missing 2 or more teeth requires a special approach and search for special packages. Not all insurance companies conclude contracts in this case or offer packages with non-standard conditions.
In addition, state health insurance covers only part of prosthetics and only basic options - metal crowns and bridges.
We have selected the best offers on the market, even if you are missing several teeth:
No missing teeth
In this case, we recommend considering Barmenia or Allianz.
If you are planning prosthetics in the next 2-3 years (you have a problem tooth or you assume that you will soon need implantation), then choose Barmenia, their plans have better coverage for prosthetics.
If you have no plans for prosthetics in the next couple of years, we recommend Allianz.
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
Tariff: MeinZahnschutz 100
Two years - 3000 €
Three years - 4500 €
Four years - 6000 €
Five years - no restrictions
Two years - 2500 €
Three years - 4000 €
Four years - no restrictions
One tooth missing
If one tooth is missing, we recommend that you consider the tariffs from Barmenia, since 1 missing tooth does not in any way affect the insurance company’s payment limit.
Barmenia tariffs consist of two independent parts, which means two separate limits on maximum coverage:
1. Mehr Zahn 80, 90 or 100% – part concerning prosthetics, divided depending on the percentage of payment for prosthetics (implants, crowns, bridges, veneers and ceramic inserts).
2. Mehr Zahnvorsorge – care, treatment, fillings made from quality materials, professional cleaning of tartar.
For full service, we recommend choosing both parts. But you can also choose only part 1 or part 2.
Two or three teeth are missing
Our recommendation is to consider proposals Allianz or Barmenia.
Allianz will increase the cost of insurance +2% due to 50 missing teeth, but will not change the coverage.
Barmenia does not change the cost, but in the next 3 years there will be reduced coverage for prosthetics.
You can also consider the offer Signal Iduna. They charge a surcharge of +5 euros for each missing tooth. The coverage limit for missing teeth will be no more than 1000 euros each.
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
Tariff: MeinZahnschutz 100
Tariff: Zahn Exclusive
Two years - 500 €
Three years - 750 €
Four years - 6000 €
From the fifth year without restrictions
- +50% to the cost of the policy
Two years - 2500 €
Three years - 4000 €
Four years - no restrictions
- +10 €, no more than 1000 € for implantation
Two years - 3000 €
Three years - 4500 €
Four years - 6000 €
Five years - no restrictions
Two years - 500 €
Three years - 750 €
Four years - 6000 €
From the fifth year without restrictions
- +75% to the cost of the policy
Two years - 2500 €
Three years - 4000 €
Four years - no restrictions
- +15 €, no more than 1000 € for implantation
Two years - 3000 €
Three years - 4500 €
Four years - 6000 €
Five years - no restrictions
Tariff: Zahn Exclusive
- +10 €, no more than 1000 € for implantation
Two years - 3000 €
Three years - 4500 €
Four years - 6000 €
Five years - no restrictions
- +15 €, no more than 1000 € for implantation
Two years - 3000 €
Three years - 4500 €
Four years - 6000 €
Five years - no restrictions
More than three teeth are missing
If more than 3 teeth are missing, then most companies will refuse to conclude a contract.
The company has a solution Nuremberg, but keep in mind that the company will not pay for known missing teeth at the time of insurance, but only for new problems.
General coverage for prosthetics: crowns, implants and treatment.
1 - 1000 euro.
2 - 2000 euro
3 - 3000 euro
4 - 4000 euro
from 5 years without restrictions
