Supplemental Dental Insurance

What is German Supplemental Dental Insurance?

Supplemental dental insurance is also known as “Zahnzusatzversicherung” in german. This is an additional insurance that you will purchase on top of your public insurance. With this insurance you will have extensive dental insurance that covers costly procedures that are not covered by the basic public dental insurance. Supplemental dental insurance typically covers major dental procedures such as porcelain crowns, bridges, braces, root canals, etc. 


Which types of dental work is typically covered by German public insurance?

Basic dental procedures are covered by German public dental insurance. 

  • Two annual check-ups
  • Teeth cleaning
  • Basic fillings 
  • Limited major dental work


Why should I get supplemental dental insurance?

If you anticipate needing coverage for procedures beyond the items stated above, it is highly recommended to purchase supplemental dental insurance. We said “anticipate needing” because most insurances require a waiting period.

For example, if an insurance company requires an 8 month waiting period, then you must wait 8 months from the day you take out the insurance until the day you receive the procedure. The procedure alone can get quite pricey whereas dental insurance will only cost you about 9€ per month. 



How do I know if the procedure I need is covered by my insurance?

After the dentist recommends a procedure, you should as for a price estimate or “Heil- und Kpstenplan”. Once you receive this document, you should send it over to your insurance provider. They will let you know if they cover the procedure or how much of the procedure they will reimburse you for. You can request this estimate in english as well.


What is covered by my supplemental dental insurance? 

It depends on the plan you choose. There are several options out there, so it just depends on what you’re looking to get from your dental insurance. We’ve researched a few supplemental dental insurances, they each have their benefits and disadvantages, our guide aims to help you start your research towards finding your ideal plan.