Best Dental insurance in Germany [2022]

by | Last updated Mar 15, 2022 | Insurance in Germany

Home 9 Insurance in Germany 9 Best Dental insurance in Germany [2022]
Are you thinking about getting dental insurance in Germany? In this article, you will find all your need to know about dental insurance in Germany. Including why and for whom it makes sense to get supplemental dental insurance. I will also share my personal experience with dental insurance in Germany. And also the 3 best supplemental insurance providers for expats here.

Dental care in Germany is excellent but expensive. Your general health insurance might not cover all dental treatments. In this guide, we shed light on who should consider dental insurance and which is the best dental insurance in Germany. 

Dental care in Germany ranks as one of the best in Europe. That is because of highly-qualified dentists and good population coverage together. This page covers the basics of dentistry in Germany.

Quick Comparison of the Best Dental Insurance Providers in Germany

If you don’t have much time, here are the highlights of the 3 best dental insurance providers in Germany: 

Ottonova: 100% digital. English services. 3 different plans. 3 months waiting period. Super-fast reimbursement. Appointment booking service and finding an English-speaking doctor for you. From 8.73 Euros per month.

Feather: 100% digital. English services. Two different plans. No waiting period. Any time cancellable. From 9 Euros per month.

Getsafe: 100% digital. English services. One simple plan. 3 months waiting period. Reimbursement within 48 hours. From 9.31 Euros per month.

Why Do You Need Dental Insurance In Germany?

Good dental care can prevent many treatments. However, even with reasonable care, you cannot improve your genetics, and your genetics have a significant influence on whether you have good or bad teeth. In case your parents and grandparents have trouble with their teeth, the chances are high that you will need dental treatments in the future as well.

Should you already have a history of more advanced dental treatments in your home country, dental insurance makes sense for you in Germany.

Let’s take a look at some estimated dental treatment costs in Germany:

  • Professional cleaning: 50 – 120 euros
  • Root canal treatment: 300 – 1.000 euros
  • Ceramic inlay: 400 – 700 euros
  • Implant with ceramic crown: 2.500 – 3.500 euros
  • Ceramic bridge 1.300 – 2.200 euros

Depending on your public health insurance, it might cover 30-60 per cent of the treatment cost. A supplementary private dental insurance will cover a significant portion of the rest or even the entire remaining amount. 

Does Public Health Insurance Cover Dental Care?

If you have public health insurance in Germany, your coverage will also include dental treatment. Unfortunately, to cut costs, public health insurance companies have reduced dental coverage significantly. So, only very basic treatments will be fully covered by public health insurance. For instance, basic fillings, dental check-ups, scaling, hygiene work, wisdom teeth removal are included. 

For many other necessary treatments, you will have to pay partially by yourself. Like professional dental cleaning, crowns, bridges, or root canal treatments. If you need any advanced dental treatments, it can cost you several hundred or even thousands of Euros as public health insurance will only cover your cost partially.

With public health insurance, you will go to your dentist and get your treatment. Then, you will have to pay for the amount that your public health insurance doesn’t cover.

That is the reason why many people who have public health insurance in Germany choose to buy supplemental dental insurance to get better coverage.

Note that your public health insurance may cover a higher percentage of your costs if you go for dental check-ups regularly. For example, if you go to the dentist for 10 years continuously for preventive care, your public health insurance may cover 75% of your costs. This is to encourage you to take care of yourself regularly and thus reduce the costs of potential treatments.

What Does Private Dental Insurance In Germany Cover?

The dental coverage of private health insurance depends on your individual plan. The dental coverage is usually much better than that of public health insurance and you may even get up to 100% coverage for major dental treatment.

Besides, with private health insurance, you can usually get a doctor’s appointment faster and also have better access to some specialists. 

Note that you will have to pay for the treatment first by yourself, and then submit a claim to your private health insurance for reimbursement.

Unlike public health insurance, private health insurance usually has a waiting period for new policyholders. During this waiting period, the policyholders do not get full reimbursement for dental care. The length of the waiting period depends on the individual private insurance policy and can last for a few months.

With private health insurance, you do not need to buy supplemental dental insurance. It is because the dental coverage is usually already quite comprehensive. If you want even more coverage for dental care, you will need to ask your current private health insurance to upgrade to a better plan.

What Does Supplemental Dental Insurance In Germany Cover?

Since public health insurance does not provide comprehensive dental coverage, many people choose to buy supplemental dental insurance to close the gap. This is called “Zahnzusatzversicherung” in German. Be aware that you can only buy supplemental dental insurance if you have public health insurance in Germany! If you have private health insurance, you should talk with your insurance company to upgrade your plan if you want better dental coverage.

Supplemental dental insurance in Germany usually provides comprehensive dental coverage. It can include professional dental cleanings and major dental work like implants, root canal treatments, tooth replacements, etc. Some policies may even include tooth whitening. The coverage depends on the insurance companies. You should read the contract carefully to understand exactly what is included or not.

With supplemental dental insurance, you will pay your dentist first and then submit your claim to your dental insurance for reimbursement.

Who Should Buy Supplemental Dental Insurance In Germany?

In general, I think everyone with public health insurance in Germany should consider buying supplemental dental insurance. In the following cases, it is even more important to have supplemental dental insurance in Germany:

  • You needed major dental treatment in the past in your home country. It means that there is a higher chance that you may need more treatment in Germany in the future.
  • For those who expect tooth replacements or implants in the coming years. You can easily pay thousands of Euros for these treatments as your public health insurance will not cover a lot of costs for them.
  • You want treatments of better quality. For example, using gold for tooth replacement, getting composite fillings instead of the basic ones, etc.
  • Your lifestyle tends to give you bad teeth in the future years. For example, bad hygiene habits, smoking, etc.
  • Your direct family members tend to have bad teeth. It means that there is a higher chance that you will need dental treatment in the future due to your genetics.

Why Should You Buy Supplemental Dental Insurance In Germany?

You don’t want to use up your savings when you discover a dental problem. It can get VERY EXPENSIVE. From a few hundred to even thousands of Euros! Your public health insurance may only cover 30-60% of the costs, or sometimes not at all. On the other hand, supplemental dental insurance covers up to 100% of the costs.

You may want better treatment than what is covered by public health insurance. For example, if you want an implant instead of a bridge.

Buy it before your first problem to have it included in your coverage. Most dental insurance policies in Germany also have a waiting period. So, you don’t want to only start looking at supplemental dental insurance when you are expecting a treatment soon.

If you know some old people, you will understand how important it is to have good teeth. The health of your teeth gets worse over time. That is why the premium of supplement dental insurance increases with age. Getting your dental insurance early is better than later.

Supplemental dental insurance in Germany is very affordable. You may even pay less than 10 Euros a month for good coverage. And it is easy to get. Considering that everyone is recommended to have at least one-time professional dental cleaning in a year (which can cost about 100 Euros), having supplemental dental insurance is definitely worth it.

How Much Does Dental Treatment Cost Without Supplemental Insurance In Germany?

Dentists in Germany provide a high quality of services. However, dental treatment can be very expensive in Germany. That is why some people in Germany even travel to another country for cheaper dental treatments. For example, I have a Hungarian colleague in Germany. She often visits her dentist in Hungary when she travels back home because it is much cheaper there.

If you have public health insurance and are wondering about the cost of dental treatment in Germany, here are the estimates for some common dental treatment when you have no supplemental insurance:

  • Plastic or composite filling: 100-300 Euros
  • Professional dental cleaning: 50-120 Euros
  • Crown:500-1000 Euros
  • Root canal treatment: 300-1000 Euros
  • Inlay: 500-1000 Euros
  • Bridge: 800-1800 Euros
  • Implant with ceramic crown: 2500-3500 Euros

As you can see, dental treatment in Germany can get quite pricy. That is why it is highly recommended to buy supplemental dental insurance to protect your savings. 

What I also noticed is that prices vary a lot among different dentists. For example, one dentist charged me 70 Euros for professional dental cleaning, while another one charged me 105 Euros! So, it is worth it to shop around and compare prices.

    The Three Best Dental Insurance Providers In Germany

    We have chosen the below as the 3 best supplemental insurance providers for expats in Germany.

      Ottonova Getsafe Feather
    English services Yes Yes Yes
    Fully digital Yes Yes Yes
    Monthly premium starting from 8.73 Euros 9.31 Euros 9 Euros (basic plan) or 16 Euros (advanced plan)
    Plans Economy, business, or first class One simple plan Basic or advanced plan
    Cancellation Monthly cancellable after 2 years Monthly cancellable after 2 years Any time cancellable after 1 year
    Waiting time 3 months except for preventive or accident treatments Mostly 3 months besides some preventive and accident treatments None
    Annual reimbursement limit 800 Euros first year. Increase by 800 Euros every year. Unlimited after 48 months. 800 Euros first year. Increase by 800 Euros every year. Unlimited after 48 months. Basic plan: 150 Euros first year. 300 Euros second years. Unlimited after 2 years except for orthodontics.Advanced plan: No limit except for orthodontics (same as basic plan) and tooth replacements (for the first 4 years).

    Ottonova

    Ottonova is the best dental insurance for ex-pats in Germany. It is inexpensive and provides comprehensive dental coverage. All its services are 100% digital and available in English.

    SOME HIGHLIGHTS:
    • Ottonova helps to find an English-speaking doctor and can also book an appointment for you
    • Website, app, contract, customer services – All in English
    • No waiting time for preventive or accident treatments
    • 100% digital services
    • Superfast reimbursement
    • From 8.73 Euro per month
    • Monthly cancellable after 2 years
    COMPREHENSIVE DENTAL COVERAGE:
    • 100% cover for dental treatment like checkups, fillings, periodontal, plastic fillings, and root canals
    • 100% for dental prostheses if your public health insurance covers the costs partially
    • Include 1 or 2 professional dental cleanings per year
    • For implants such as crowns, dentures, and bridges, the cost is 80-100% covered
    • The cost for orthodontics is 60-100% covered. (100% cost covered for patients under 21 years old)
    ANNUAL REIMBURSEMENT LIMITS:

    The monthly premium depends on your age. Note that there is a yearly limit on the maximum reimbursement amount for the first 48 months. The limit starts with 800 Euros and increases by 800 Euros every year. This limit only applies to dental treatments like implants, Onlays, inlays, etc. However, it does not apply if you need immediate dental treatment due to an accident. It also does not apply to regular dental treatments or professional cleanings. 

    ECONOMY, BUSINESS, OR FIRST CLASS:

    Ottonova offers three different plans depending on your needs. You can switch between these plans at any time. All plans have a waiting period of three months. But this waiting period does not apply to preventive or accident treatments.

    Economy Class Starting From 8.80 Euros A Month

    Includes:

    • Dental treatments like root canal, periodontal, and plastic fillings (100%)
    • Dental prosthesis (100% if public health insurance covers partially)
    • Dentures including implants and inlays (70%)
    • Professional cleaning up to 70 euros a year
    • Functional analytical and functional therapeutic services (70%)

    Business Class Starting From 12.68 Euros A Month

    Includes Economy Class plus:

    • Orthodontics for children (85-100%)
    • Two professional cleanings, up to 70 euros per cleaning
    • Functional analytical and functional therapeutic services (85%)

    First Class Starting From 20.18 Euros A Month

    Includes Business Class plus:

    • Dentures including implants and inlays (100%)
    • Orthodontics for children (100%)
    • Orthodontics for adults (100% up to 2,000 euros if public health insurance covers partially)
    • Additional anesthesia services
    • Two professional cleanings up to 90 euros per cleaning
    • Functional analytical and functional therapeutic services (100%)

    Getsafe

    GetSafe is another good choice for ex-pats who are looking for dental insurance in Germany. You can sign up and manage everything online or via its app. It is easy to use and provides great coverage for a low price. You can get a 15 Euros discount by using the below link for signing up.

    SOME HIGHLIGHTS:

    • Monthly cancellable after 2 years
    • No waiting time for professional cleaning, caries diagnosis, fissure sealing, and accident treatment
    • Reimbursement within 48 hours
    • All services are available in English
    • From 9.31 Euros per month

    DENTAL COVERAGE:

    • Up to 100% reimbursement for treatment
    • Up to 80 Euros a year for dental cleaning
    • 100% cover for fillings, root canal, and periodontal treatment

    GetSafe offers one simple plan and the monthly premium depends on your age. In general, the premium will increase every 5 years. 

    GetSafe has an annual reimbursement limit for the first 48 months of your insurance policy. In the first 12 months, you can reimburse only up to 800 Euros. But this limit will increase by 800 Euros every year and will become unlimited after 48 months. The limit does not apply if you need an accident treatment.

    Besides some preventive and accident treatments, most services from GetSafe have a waiting period of three months.

    Feather

    Feather also offers dental insurance in Germany and it provides English services. It is digital, easy to use, and you can sign up in 5 minutes.

    SOME HIGHLIGHTS:

    • From 9 Euros per month (basic plan) and 16 Euros a month (advanced plan)
    • Services available in English
    • Any time cancellable after 12 months
    • No waiting time

    DENTAL COVERAGE:

    • Up to 100% reimbursement for professional cleaning, composite fillings, root canal, periodontal treatments, mouthguards against teeth grinding, and certain orthodontic treatments
    • 90% – 100% reimbursement for tooth replacement (advanced plan)
    • Up to 200 Euros for teeth whitening every 2 years (advanced plan)

    BASIC VS ADVANCED PLAN:

    Feather offers two different plans (basic and advanced) depending on your needs. With the basic plan, there is an annual reimbursement limit of 150 Euros in the first year and 300 Euros in the second year. Starting the third year, there is no more limit except for orthodontics (2000 Euros limit per year)

    The advanced plan covers also bridges, crowns, implants, inlays, onlays, dentures, other tooth replacement procedures, and even teeth whitening.

    The advanced plan has an annual reimbursement limit in the first 4 years for tooth replacements. But there is no reimbursement limit for treatments included in the basic plan (except for orthodontics).

    Dental Coverage For Low-Income Earners

    What if you earn too little that you can’t even afford to buy supplemental dental insurance? Luckily, there is something called “Härtefallregelung” in Germany. If you earn a monthly gross income lower than 1,316 Euros (in 2021), your dental cost can be 100% covered by your insurance. This threshold goes up to 1,809.5 Euros if you have one other dependent, and 329 Euros extra for every additional dependent.

    Even if you earn a little bit more than this threshold, your insurance may still cover you more than the standard amount. To know if you are eligible and how much your insurance will cover you in this case, the best is to ask your insurance company. You will need to send a formal application to apply for this scheme.

    How to cancel the radio tax in Germany?

    If you’re leaving Germany indefinitely, don’t forget to deregister yourself as well! Simply go online and submit a form to cancel the radio tax in Germany. The government will stop taking money from you after you fill out this form. This way, they know that you no longer want to be subjected to the radio tax.

    If you don’t do deregistering, you will keep getting charged for the fixed payment and that can cause serious trouble. in future

    You cannot unregister yourself via phone, you are required to submit an online for De-registration or you should go and get it done in person.

    Conclusion

    Getting additional private dental insurance to extend your general public health insurance cover can be worth your while if you tend to have bad teeth. It depends on how extensive you would like your cover to be and on how old you are. When we take a look at the most comprehensive coverage of all providers at age 32, you would pay 28,44 euros per month with Ottonova, 25,80 euros with Feather, and 12,58 euros with Getsafe.

    ⚠️ In our articles, we use affiliate links from our affiliate partners. If you click these links and purchase a service or a product then we may earn a small commission, without any extra cost to you. This way, we stay motivated and bring you all you need to know about Germany. 

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