Additional dental insurance can be worthwhile for you at almost any age, if you have statutory health insurance. It can help you prepare for expensive dental repairs. If possible, get insurance while your teeth are still in good condition. Newly acquired dental insurance usually does not cover pending treatments.
By the way: People with private health insurance cannot take out additional dental insurance. The scope of dental benefits depends on the respective insurance contract.
Do you already have a policy and want a better or cheaper one? Especially for implants and inlays, new very good contracts now offer much higher benefits than they did a few years ago. If possible, choose an offer from your current insurer. With a new provider, it will take a few years until you reach full entitlement to benefits. Even if you need to save money urgently, do not cancel your supplementary dental insurance too quickly. It is better to look for a cheaper policy with your insurer.
Why Our Additional Dental Insurance Test Is Worth It for You
Test results
In our Comparison You will find ratings from Stiftung Warentest from very good to bad for over 280 supplementary dental insurance rates from almost all insurers offering supplementary dental insurance in Germany, for example Allianz, Ergo or Barmenia. We evaluate the services for dentures: standard care, privately paid dentures, inlays and implants as well as the annual benefit limits.
Contributions for test winners
Depending on age and tariff, our 43-year-old model customers pay between 22 and 58 euros per month for one of the test winners. Very good basic protection The monthly fee starts at 6 euros.
Use computers
With our individual computer (available after activation), you can display current contributions exactly for your age or set a maximum amount you want to spend each month.
Information about additional services
Rates often also include services that help preserve teeth, such as professional teeth cleanings or plastic fillings. We list these services in the table and provide information in “Other services: fillings, dental prophylaxis, etc.(available after activation) indicates how much you would have to pay without insurance coverage. With equally good supplemental dental insurance, additional benefits can be an important decision-making aid.
Journal article in PDF
If you unlock the topic, you will also have access to the PDF of the Finanztest 24/08 test report for download.
Test results for 287 dental insurance companies
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Preview all offers in the test
Even before activation, you can access some content from Table see – for example, which tariffs we have tested. We are constantly adding new offers to the comparison. Which of these many tariffs is right for you depends on your wishes and financial possibilities.
This is how much dentures cost
Our Examples of dentures show in detail how high the costs can be and what proportion of them the health insurance company covers. If bone augmentation is first necessary for an implant in the lower jaw, the patients in our example will have to spend a good 4,000 euros – unless they are well insured. Many offers in our test reimburse these costs in full.
Offers tailored to your needs
Our three customer types “completely carefree”, “good and cheap” and “the standard of money is sufficient” should help you find suitable offers for your personal needs. If you want the most complete possible cost coverage, even for very expensive prosthetics – such as multiple implants – you correspond to the customer type “Completely worry free”. You must choose one of the winning rates from the test. Do you want good and cheapyou will find the best deals for your type of customer for a maximum of 30 euros per month. If the standard cash register supply is enough for you, you can get one for a much cheaper price Tariff with very good basic protection to take.
Performance limits in the first years of the contract
Many insurers are now announcing that they are waiving the usual eight-month waiting period for new customers to receive reimbursement for their first denture bill. With a new provider, policyholders will still only be entitled to full insurance benefits after three to seven years.
Previously, annual limits applied. For example, such a scaling is typical: 1,000 euros in the first 12 months from the conclusion of the contract, 2,000 euros in the first 24 months, 3,000 euros in the first 36 months and 4,000 euros in the first 48 months. The full benefit is only available from the fifth year onwards – unless dentures are required due to an accident.
Bonus booklet increases cash portion
A little extra money from the health insurance company is available to all policyholders, regardless of income, provided that they have a dental check-up once a year and have this confirmed by a stamp on their bonus slip. You will then receive a higher lump sum benefit in addition to your standard pension, up to a maximum of 75 percent. This is only a small help for a bill with a high private component, but some supplementary dental insurance companies also offer higher reimbursements to customers who visit the dentist regularly.