Here are some answers to common questions about dental insurance in Germany, as well as important points that you should be considered before buying a dental insurance in Germany.
We are be happy to answer any further questions you may have, or we would be happy to provide you with results after consultation according your requests for a dental insurance in Germany.
When does a dental insurance in Germany make sense?
Insurance is particularly important if the dentures are to go beyond the regular care provided by the governmental health insurance. If you want a crown made of tooth-colored ceramic instead of a metal alloy without gold, or if you want an implant instead of a bridge, you pay the surcharge fee of the dentist yourself. The dentist then calculates his fee according to the fee schedule for private services. The dental laboratories also charge higher prices.
The best German dental insurance covers the self-participation completely.
Dental insurance in Germany is not a must. Anyone who is satisfied with the regular provision of governmental health insurance benefits can manage without it. It is possible to set aside money for dentures as well as for car repairs or for a new refrigerator.
However, it is easier for some people to have the insurance contributions debited each month than to save money themselves.
Once you have found
the right dental insurance cover, you can also sit back and relax when it comes
to the sudden cost of dentures.
Depending on your needs and income, you can choose between top performance tariffs or insurance policies that take on share of the governmental regular care.
When you don’t have to pay for dentures in Germany?
If your income is very low, you do not need an additional policy. The governmental health insurance covers all of the costs for the standard care.
This applies to single people who earn € 1,246 gross or less per month, or a couple with a child with € 2,025 monthly income can apply for this benefit to their German governmental health insurance. Those who are slightly above these income limits have the right to an increased fixed allowance.
At what age does make a German dental insurance sense?
Most people are interested in additional dental insurance in Germany when they for the first time must pay a larger amount to the dentist by themselves, without coverage of the German governmental health insurance. However, it is better to buy the additional German dental insurance before the first problems with the teeth arise, i.e. from the mid-30s. Because it usually takes three to five years for customers to receive the full contractual services, because the sums are limited at the beginning. These are extremely different and partly depend on the current teeth status. If you have more than 2 missing teeth (non-replaced gaps). Some insurer offers such small limits which are so small that buying the German dental insurance from one of these insurers is not worthwhile, regardless of whether the missing gaps should be filled, or other new tooth complaints appear.
Other providers include these gaps with an additional fee or exclude them from insurance coverage. Otherwise, there are reimbursement limits for dental supplement insurance between 600 – 1,500 € in the first year. These increase with each year and after five years you get full benefits, sometimes without an upper limit.
Request for a German dental insurance comparison
You are welcome to request offers using our form comparing 234 German dental insurance. Please fill out the following form and send it to us. You will then receive all documents via email. For a personal consultation, please make an appointment with us!
What are the waiting periods for dental insurance in Germany?
Many German insurer have waiting periods after signing a contract for a German dental insurance, so you have to wait a while before you can submit dental bills for reimbursement.
For around half of the 234 dental insurance policies compared by us, the waiting time is eight months, for others it is reduced to six or three months. But there are also German dental insurances without waiting period.
Nevertheless, it is important to know that even with an additional German dental insurance without waiting periods, no benefits will be paid if you start having your teeth extensively restored shortly after the contract is signed. There are insurance companies that request patient records from the dentist. If it is noted in this file that the dentist has previously indicated a weak point in the dentition or even recommended treatment during an earlier examination before you signed for the German dental insurance, the insurance companies consider this as precontractual and will refuse payment.
Current treatments are excluded from insurance coverage, which means that you will not receive any money from the dental insurance for this precontractual treatment.
Hiding the dental history from the insurer is not a good idea. Because in many cases the insurance application gives the insurance company permission for an inquiry at your dentist. Customers must therefore release medical professionals from the obligation to maintain confidentiality data towards the insurance company.
We advise you as an independent insurance broker with our more than 20 years of experience and market knowledge, which options you still have to get good insurance coverage honestly and openly.
If an insurance company finds out that you cheated regarding given information in the application, the insurance company can withdraw from the contract. Insurance coverage is then gone, as are the fees you paid up to that point. In extreme cases, the insurance company can even claim payments that have already been made.
Emergency Dental insurance in Germany – When Does It Make Sense?
If the damage is already there or can be felt, it is too late to buy a dental insurance in Germany.
The only exception: a dental emergency tariff that also works when treatments are already in progress. However, additional dental emergency protection only doubles the fixed health insurance subsidy. In addition, this is very expensive and can only be canceled after 2 years. Nevertheless, emergency dental protection can be worthwhile for suddenly occurring dental problems.
When is it worth changing dental insurance in Germany?
If you already have a dental insurance contract in Germany, it is often not worth switching to another insurer. Because with the new insurance company, they again have possible waiting periods, the sums in the first few years are limited again and ongoing treatments are not insured.
If you have a contract that is more than ten years old and in any case only increases the fixed health insurance fees by a certain percentage, you will not lose too much when you restart with a new insurer.
However, if you want to further improve your German dental insurance contract with somewhat more extensive services, you should first get proper advice and open-result advice. We also offer you to negotiate with your current insurer and achieve your goal of better benefits without incurring any disadvantages for you.
Can fees from dental insurance increase?
There are usually no surprising fee increases in dental insurance. In the case of tariffs calculated according to the type of life insurance, the monthly contributions are based on the age of the customer when the contract was concluded. They do not increase with the age of the customer. The insurer sets up a provision to finance the higher costs between the ages of 50-75 years.
Most dental insurance policies are now calculated according to the so-called non-life insurance.
That means in that case for you, the contribution increases gradually over the course of the contract with the age of the customer.
Irrespective of this, insurance companies in both tariff types can increase the contributions to dental insurance in Germany if they permanently provide more benefits than originally calculated. This happens, for example, when many new customers pounce on a particularly affordable dental insurance tariff and then very quickly submit a large amount of invoices for reimbursement.
Nevertheless, before you quit due to annoyance cause of an increase in the insurance premium, you should check exactly what advantages and disadvantages would arise for you.
Request for an dental insurance comparison
You are welcome to request offers using our form comparing 234 dental supplementary insurance. Please fill out the following form and send it to us. You will then receive all documents by email. For a personal consultation, please make an appointment with us!