Germany has one of the best healthcare systems in the world, but if you’re an expat, understanding how dental coverage works can be confusing. This guide will help you understand Zahnzusatzversicherung (dental supplemental insurance), why you might need it, and how to choose the best plan.
How Does Dental Insurance Work in Germany?
Public Health Insurance (GKV) and Dental Coverage
If you are insured under Gesetzliche Krankenversicherung (GKV)—the public health insurance system—your basic dental treatments are covered, but with significant limitations. GKV covers:
✅ Regular check-ups and cleanings
✅ Simple fillings (usually only amalgam)
✅ Basic root canals (only on certain teeth)
✅ Some basic dentures or crowns (but only at a standard rate)
However, more complex or aesthetic procedures, such as ceramic fillings, implants, or high-quality dentures, require significant out-of-pocket payments unless you have additional coverage.
Private Health Insurance (PKV) and Dental Coverage
If you have Private Krankenversicherung (PKV)—private health insurance—your dental coverage depends on your specific policy. Many private health insurance plans offer better reimbursement for dental care than public insurance, but it varies.
What is Zahnzusatzversicherung (Dental Supplementary Insurance)?
Zahnzusatzversicherung is optional private dental insurance that supplements your public health insurance (GKV). It helps cover the gaps in public insurance for treatments like:
✔ High-quality fillings (ceramic, composite)
✔ Professional teeth cleaning
✔ Root canal treatments
✔ Orthodontics (for children & sometimes adults)
✔ Crowns, bridges, and dentures
✔ Dental implants
By having Zahnzusatzversicherung, you can significantly reduce out-of-pocket costs for expensive dental procedures.
Do Expats Need Dental Supplementary Insurance?
Expats in Germany should consider Zahnzusatzversicherung if:
• You are covered by public health insurance (GKV) and want better dental care.
• You want to avoid high out-of-pocket expenses for dental procedures.
• You have a history of dental issues or expect to need major treatments in the future.
• You want preventive care (e.g., regular professional cleanings) included.
If you have private health insurance (PKV), check your policy before getting Zahnzusatzversicherung—many private plans already cover advanced dental care.
How Much Does Zahnzusatzversicherung Cost?
The cost varies depending on your age, the provider, and the level of coverage. Generally, prices range:
💰 Basic plans: €5–€15/month (covers check-ups and simple fillings)
💰 Mid-range plans: €15–€30/month (covers cleanings, crowns, and basic implants)
💰 Premium plans: €30–€60/month (covers implants, orthodontics, high-quality restorations)
💡 Tip: The earlier you get insured, the cheaper your monthly premium will be.
Best Zahnzusatzversicherung Providers for Expats
Here are some of the most recommended providers:
🔹 Ottonova – Digital insurance, great for expats, good English support
🔹 ERGO – One of Germany’s largest insurers, strong coverage options
🔹 Allianz – Well-known brand, flexible plans
🔹 HanseMerkur – Good mix of affordability and coverage
🔹 DFV (Deutsche Familienversicherung) – Highly rated for comprehensive coverage
How to Choose the Right Plan:
✅ Compare coverage vs. monthly price
✅ Check waiting periods (some plans require 6-12 months before covering expensive treatments)
✅ See if pre-existing conditions are covered
💡 Use comparison websites like Check24 or Verivox to compare prices and coverage.
How to Apply for Zahnzusatzversicherung
1. Choose a provider (use comparison sites like Check24, Verivox, or Tarifcheck).
2. Fill out an application (some providers ask about your dental history).
3. Wait for approval (some plans start immediately, others have waiting periods).
4. Receive confirmation & policy details.
5. Start using your benefits when needed!
FAQs About Zahnzusatzversicherung
❓ Can I get dental insurance if I already have dental problems?
Some insurers may exclude pre-existing conditions or charge higher premiums. However, some plans still cover future treatments.
❓ What if I already started treatment?
If a treatment plan has already been made by a dentist, insurance will not cover it. You must have coverage before diagnosis.
❓ Does it cover orthodontics (braces, Invisalign)?
Some premium plans cover adult orthodontics, but most focus on children under 18.
❓ Can I cancel Zahnzusatzversicherung anytime?
Most plans have minimum contract durations (12-24 months). Check cancellation policies before signing up.
Conclusion: Is Zahnzusatzversicherung Worth It for Expats?
If you are on public insurance (GKV) and want to avoid high dental costs, then YES! Zahnzusatzversicherung provides peace of mind and better dental care at a reasonable price.
If you already have private health insurance (PKV), check your policy before deciding.