Dental insurance in Germany
This page uses affiliate links.
This page uses affiliate links.
While dental care in Germany is high quality, the coverage provided by statutory health insurance is somewhat limited. For this reason, some people choose to take out dental insurance to avoid having to pay for dental treatments out of pocket.
This page explains how dental insurance in Germany works, what’s covered, and how you take out a policy.
The following companies all offer expat-friendly dental insurance plans in Germany, with all claims and documentation in English:
Like health insurance, dental care in Germany falls under a dual system, meaning that the coverage you have varies depending on whether you have public or private health insurance.
If you have private health insurance, you don’t need to take out a separate dental insurance plan. Most private health insurance policies cover the costs of checkups, teeth cleanings, dentures, orthodontics and more advanced dental treatments.
Most policies come with a deductible for dental treatments - meaning you pay a portion of the costs upfront, before the health insurance company steps in to cover the rest - but you can also opt for a policy with comprehensive dental coverage, covering 100% of the costs of dental treatments.
You should speak to your private health insurer if you want to add additional dental coverage to your insurance plan.
In contrast to private health insurance, public or statutory health insurance in Germany generally only covers basic, medically-necessary dental treatments like check-ups, fillings, root canal treatments and dentures. Sometimes only a portion of the costs are covered.
You can see exactly what is covered in our guide to dental care in Germany.
To avoid having to pay money out of pocket, some people therefore take out a separate or supplementary dental insurance plan with a private insurance company, to “top up” the dental care coverage provided by their public health insurance.
There are a whole range of different companies offering different kinds of supplementary dental insurance in Germany. There is therefore no fixed answer as to what is covered by a dental insurance policy.
Most providers offer different tariffs that cover varying proportions of dental treatment costs, meaning you can tailor your policy to suit your budget and requirements.
Typically, a supplementary dental insurance policy would cover some or all of the cost of the following treatments:
Whenever you are considering a dental treatment, it’s wise to ask your dentist for a cost plan (Heil- und Kostenplan). You should submit this to your dental insurance provider to get their approval before commencing treatment. This way, you know exactly what will and will not be covered by your insurance policy.
It’s worth bearing in mind that some dental insurance policies in Germany include waiting periods (Wartezeiten). This is a period after taking out your insurance plan during which you are barred from making claims.
Some insurers also limit the amount of money you can claim on your policy during the first one or two years. Check your policy details to be sure you know exactly what is covered and when.
Dental insurance in Germany is not a huge expense, with the simplest tariffs starting at less than 10 euros per month. The exact premium will vary depending on:
Most insurance providers in Germany allow you to take out dental insurance plans online. Simply compare offers and then contact your insurer of choice to register.
Dental insurance policies in Germany normally have a minimum contract duration of one year. After the year is up, your policy will automatically renew unless you cancel.
Typically, you need to give your insurance provider at least one month’s notice to cancel your dental insurance policy. This normally needs to be done in writing.
There are some exceptions: