Your smile is in good hands
Dental insurance
What does additional dental insurance cover?
- Prevention, cleaning and whitening of teeth
- Professional teeth cleaning prevents diseases of the oral cavity and jaw, ensures the health and safety of teeth. Usually held 1-2 times a year. Cost 80-120 €*.
- Whitening provides a radiant smile. Cost 450 -500 €.
- Filling and dental treatment
- Photopolymer filling, or from another quality material in the color of the tooth. The cost is 80-150 €.
- Treatment of pulpitis and canal filling. The cost is 200-1000 €.
- Treatment of periodontal disease (inflammation of the gums), includes several visits. The cost of the course is from 1300 €.
- Dentures, implants and inlays
- Crowns, bridges, micro-prostheses, as well as removable prosthetics. The cost of one zirconium crown is 700-900 €. Prosthetics with the loss of 3-4 teeth can easily exceed 4000 €.
- Manufacturing and installation of implants. Price from 2400 €.
- Orthodontist services
- Diagnosis and treatment of malocclusion in children and adults. Almost every second child needs this treatment. The sooner this issue is dealt with, the less time the treatment will take. Usually, the time for correcting an overbite is 1,5 years. Depending on age and degree of curvature (KIG) may take up to 3 years old.
- Treatment using both metal and ceramic (colorless) braces, installation of bite splints.
* Prices are indicative, as of 2023.
What is important when concluding a contract for additional dental care?
- Main condition: insurance does not cover a previously diagnosed problem
Your Age
- The younger you are, the lower your monthly contribution will be – from €15 at age 20 to €80 at age 60.
- Insurance companies take a different approach to this issue. There is a system where your contribution increases automatically when you reach a certain age. Some companies leave the amount of the contribution constant and its amount depends only on how old you were at the time of the conclusion of the contract.
- For children, there are packages with a contribution from 1,5 € per month.
Number of missing teeth
- The absence of one tooth at the time of the conclusion of the contract, not counting the eights, is normal for the conclusion of the contract. The absence of 2 or more teeth requires a special approach and the search for special packages. Not all insurance companies conclude contracts in this case or offer packages with non-standard conditions.
- If you have previously installed a crown, implant or other prosthetics, then this tooth is not missing.
General information:
An additional dental insurance contract can only be concluded if you have GKV state insurance.
Dental services are covered to the extent prescribed by the tariff within the framework of the German fee scale for dentists (GOZ) and/or doctors (GOÄ).
The so-called complexity factor (indicated in the invoice for treatment) is applied: for physician services - up to 3,5 times the fee rate, for laboratory services - up to 1,3 times the fee rate, for medical and technical services - up to 2,5 times multiple of the fee.
What questions do we answer when concluding a contract?
Allianz
- Do you have public health insurance?
- Do you have other dental insurance.
- Are you currently undergoing denture, root canal and/or periodontitis/periodontitis and other treatments, or is this recommended or planned?
- Are you missing teeth (other than wisdom teeth and occlusions) that have not yet been replaced?
Barmenia
- Are you currently undergoing denture, root canal and/or periodontitis/periodontitis treatment, or is this recommended or planned?
- Are you missing teeth (other than wisdom teeth and occlusions) that have not yet been replaced?
- Did you have other dental insurance in the last 6 months?
(if you had insurance, then the Barmenia dental insurance scale is halved)
Die Bayerische
- Are you missing any teeth (other than wisdom teeth, milk teeth and occlusions) that have not yet been replaced? If you have previously installed a crown, implant or other prosthetics, then this tooth is not missing.
- Is there a removable partial or full denture?
- Do you have implants older than 10 years?
- Have you had one of the following diseases in the last 3 years: periodontal disease / periodontitis or a defect in the tooth enamel? (Caries or bite pad due to teeth grinding not indicated)
- Did you have other dental insurance in the last 6 months?
Münchener Verein
Signal Iduna
- Have you had periodontitis in the last 3 years?
- Are you currently undergoing denture treatment, other medical interventions, or is this recommended or planned?
- Do you have missing teeth? Do you have crowns or implants?
- Nurnberger
Comparison of tariffs
Today there are more than 50 insurance companies on the market. The service packages they offer are very diverse.
But first of all, you need to pay attention to the amount of insurance coverage:
- Share of insurance coverage: from 70% to 100% of expenses coverage.
- The amount of insurance coverage in the first year of insurance: from 800 € to 1500 €.
- Step of annual increase in insurance coverage: from 800 € to 1500 €. In four years, this amount can reach 6000 €.
- As a rule, from the fifth year of insurance, the amount of insurance coverage is not limited.
- When you move to another company, often the amount of insurance coverage disappears. But there are exceptions - some companies offer to partially maintain this limit.
For the treatment of an already established diagnosis in die Bayerische there is an addition to the basic tariffs.
Tariff: MeinZahnschutz 100
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
1-2 years – 2500 €
1-3 years – 4000 €
After 4 years - no restrictions
1-2 years – 3000 €
1-3 years – 4500 €
1-4 years – 6000 €
After 5 years – no restrictions
- 100%
- 100%
- up to 150 € once every 2 years
- up to 200 € once every 2 years
- 2 years
- 1 year
Tariff: MeinZahnschutz 100
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
Tariff: Zahn Prestige
Tariff: Zahn Gesund 100
Tariff: Zahn Exclusive
1-2 years – 2500 €
1-3 years – 4000 €
After 4 years - no restrictions
1-2 years – 3000 €
1-3 years – 4500 €
1-4 years – 6000 €
After 5 years – no restrictions
1-2 years – 3000 €
1-3 years – 4500 €
1-4 years – 6000 €
After 5 years – no restrictions
1-2 years – 3000 €
1-3 years – 4500 €
1-4 years – 6000 €
After 5 years – no restrictions
1-2 years – 3000 €
1-3 years – 4500 €
1-4 years – 6000 €
After 5 years – no restrictions
- 100%
- 100%
- 100%
- 100%
- 100%
- up to 200 € per year
- up to 200 € per year
- up to 150 € once every 2 years
- up to 200 € once every 2 years
- up to 200 € per year
- up to 200 € once every 2 years
- up to 300 € once every 2 years
- up to 300 €/year
- up to 300 €/year
- 2 years
- 1 year
- 2 years
- 2 years
- 2 years
Tariff: Zahn Exclusive
1-2 years – 3000 €
1-3 years – 4500 €
1-4 years – 6000 €
After 5 years – no restrictions
- 100%
- up to 300 € once every 2 years
- up to 300 €/year
- 2 years
Orthodontist
Braces are one of the most effective methods for correcting dental anomalies. State health insurance in Germany covers only the most severe cases of malocclusion and pronounced malformations, as well as the most budgetary materials.
If you need aesthetic correction in adulthood, ceramic or transparent braces, additional dental insurance will cover a significant part of the treatment costs.
Braces and orthodontics in Germany
Tariff: MeinZahnschutz 100
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
- 1-2 KIG up to 3000 € in case of an accident
- 3-5 KIG up to 3000 €
- 1-2 KIG up to 2000 € in case of an accident
- 3-5 KIG up to 2000 € in case of an accident
- 1-2 KIG up to 3000 €
- 3-5 KIG up to 3000 €
- 1-2 KIG up to 2000 €
- 3-5 KIG up to 2000 €
Tariff: MeinZahnschutz 100
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
Tariff: Zahn Prestige
Tariff: Zahn Gesund 100
Tariff: Zahn Exclusive
- 1-2 KIG up to 3000 € in case of an accident
- 3-5 KIG up to 3000 €
- 1-2 KIG up to 2000 € in case of an accident
- 3-5 KIG up to 2000 € in case of an accident
- 1-2 KIG up to 2000 €
- 3-5 KIG up to 1500 €+GKV
- 1-2 KIG 65% up to 2500 €
- 3-5 KIG up to 2500 €
- Unlimited in the event of an accident
- 1-2 KIG up to 3000 €
- 3-5 KIG up to 3000 €
- 1-2 KIG up to 2000 €
- 3-5 KIG up to 2000 €
- 1-2 KIG up to 2000 €
- 3-5 KIG up to 1500 €+GKV
- 1-2 KIG 65% up to 5000 €
- 3-5 KIG up to 5000 €
- 100% within the limit. Follow-up treatment for 2 years – 300 €
Tariff: Zahn Exclusive
- Unlimited in the event of an accident
- 100% within the limit. Follow-up treatment for 2 years – 300 €
KIG 1-2 - minor malocclusion;
KIG 3 - severe malformations;
KIG 4 - severe malformations;
KIG 5 is the extreme degree of malocclusion.
*The calculation is made for 35 years old with all teeth except for figure eights and no treatment at the moment. Services are combined with GKV. To calculate your personal insurance premium, click the "Apply" button.
The FINBER team is a licensed independent broker. The performance fee is a commission paid by the contracting company.
The impact of the number of missing teeth on the cost of prosthetics
In almost all tariffs, there are restrictions and surcharges due to the lack of teeth at the conclusion of the contract. If you are missing more than 3 teeth (except 8), we suggest make contact with Nürnberger.
Dental prosthetics: a guide to choosing insurance
Payment for prosthetics:
Tariff: MeinZahnschutz 100
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
- +25% surcharge to the cost of the policy
- Does not affect the policy
- +50% to the cost of the policy
Two years - 500 €
Three years - 750 €
Four years - 6000 €
From the fifth year without restrictions
- +75% to the cost of the policy
Two years - 500 €
Three years - 750 €
Four years - 6000 €
From the fifth year without restrictions
Tariff: MeinZahnschutz 100
Tariff: Mehr Zahn 100 + Mehr Zahnvorsorge
Tariff: Zahn Prestige
Tariff: Zahn Gesund 100
Tariff: Zahn Exclusive
- +25% surcharge to the cost of the policy
- Does not affect the policy
- +40% surcharge to the cost of the policy
- Does not affect the policy
- +5 €, no more than 1000 €
- +50% to the cost of the policy
Two years - 500 €
Three years - 750 €
Four years - 6000 €
From the fifth year without restrictions
- +80% surcharge to the cost of the policy
- Not paid
- +10 €, no more than 1000 €
- +75% to the cost of the policy
Two years - 500 €
Three years - 750 €
Four years - 6000 €
From the fifth year without restrictions
- +120% surcharge to the cost of the policy
- Not paid
- +15 €, no more than 1000 €
Tariff: Zahn Exclusive
- +5 €, no more than 1000 €
- +10 €, no more than 1000 €
- +15 €, no more than 1000 €
Additional options and solutions
If dental treatment has already been prescribed - solutions for started prosthetics and treatment
Care without questions
Tariff: Mehr Zahnvorsorge D
Only for € 10,90 per month
No health issues!
- Dental prophylaxis (unlimited),
- Professional teeth cleaning up to 150 euros per year,
- High quality synthetic fillings,
- Treatment of roots and periodontal disease,
- Pain relief activities
- No waiting period
- Orthodontics for children as well as for adults
in case of accidents. - Prosthetics are not included in the price.
- Pays for itself with 2 preventive cleanings per year
Limit: 1st year - up to 150 euros,
1st and 2nd year - up to 300 euros,
from the 3rd year without restrictions.
With started or recommended prosthetics
Tariff: ZahnPRIVAT Premium
Up to 3 missing teeth or a recommendation for extraction and/or implantation (indicated as a missing tooth with additional payment)
Requirements:
- Fixed extra charge for each missing tooth – 8,60€ per month.
- Implantation A tooth recommended by a doctor is covered by insurance.
- Recommendations of crowns prior to the conclusion of the contract are not covered., since the tooth is preserved.
- Treatmentstarted before the conclusion of the contract, not covered.
- There is no waiting time.
- Covers expenses up to the maximum GOZ rate.
- GKV is required.
- The minimum contract period is 2 years.
Limit: 1st year - up to 1000 euros,
1st and 2nd year - up to 3000 euros,
1st-3rd year – up to 6000 euros,
1st-4rd year – up to 9000 euros,
after 4 years without restrictions.
If you already have a diagnosis
Tariff: ZAHN Sofort
As an addition to tariffs:
Prestige, Plus Prestige, Comfort, Smart.
It will cover already planned treatment and treatment according to the diagnosis.
- No waiting period for already
recommended or started treatment, - Module expires
automatically after 2 years*, - The monthly fee is 29,90 euros,
- Reimbursement for dentures and dental treatment,
- Benefit for orthodontics in the event of an accident.
* The dental tariff chosen by you (Prestige
Plus, Prestige, Comfort, or Smart) remains unchanged
after termination of the add-on module
ZAHN Sofort.
Limit: 1st year - up to 750 euros,
1st and 2nd year - up to 1500 euros.
NÜRNBERGER: no questions about missing teeth
Company Nuremberg offers a tariff of additional dental insurance without control questions about health, about the number of missing teeth.
- Known missing teeth at the time of the insurance contract will not be covered by the company.
General coverage for prosthetics (crowns, implants and treatments):
1 year - 1000€.
1-2 years - 2000 €.
1-3 years - 3000 €.
1-4 years - 4000 €.
from 5 years - no restrictions.
In this tariff, it does not matter how many teeth are missing. Calculate the cost and conclude a contract:
Ready to apply or need help and advice?
If you have any questions, you can always contact us:
By email: info@finber.de
Telegram: t.me/Finber_de
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More InformationFAQ: The most common questions about dental insurance and their answers
In this video, we tried to answer the most common questions about additional dental insurance. You will find short answers to the questions in text below.
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More InformationSupplemental dental insurance can cover expenses that are not covered by primary government coverage.
insurance, such as expensive dental treatments and their prosthetics, professional care and aesthetic
procedures.
The cost of insurance varies depending on your current age. dental health status, rate and insurance company, and the coverage you choose. On average, this amount varies from 10 to 40 euros per month.
The choice of insurance company depends on your individual situation. Ready-made solutions are listed on this page above.
"Wartezeit" is the waiting period that is usually required after signing an insurance contract before the insurance begins. cover expenses. IN The “waiting period” indicated on the tariffs page is completely absent. That is, you conclude today, and tomorrow you can go to the dentist and undergo treatment, which will be covered within the chosen tariff.
You can usually terminate the contract at the end of the insurance period, usually after one to two years. If you leave Germany, then this is grounds for early termination of the contract.
When choosing a tariff, we start from two main important questions:
– the number of missing teeth (not counting “wisdom teeth”), and
– Do you need orthodontic treatment (bite, braces)?
It is also important to consider reimbursement limits (80% or 90% or 100% coverage).
Usually dental insurance does not cover treatment that was assigned before the policy commenced. If there are diagnosed problems, it is better to treat them first, and then take out insurance.
Yes, age can affect the cost of insurance because the risk of dental disease increases with age. The cost of insurance usually changes every 10 years: at 21, 31, 41, 51 and 61 years.
You pay for the services of the dental clinic yourself, then you provide invoices for reimbursement to the insurance company the company for confirmation and processing. On average, this takes several business days.
This depends on the individual needs of the child. If you require orthodontic services (bite correction, braces) and you want modern, more beautiful and less noticeable braces, then insurance will be useful.
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