dental insurance

Dental Insurance in Germany

Dental Insurance in Germany

 

Why isn’t dental covered by public health insurance?

After moving to Germany and hearing about how excellent the health insurance system is, you might be wondering why, after your yearly dental check-up, you were hit with a bill ranging from €100 to €120 if you’re young, healthy and don’t have cavities. Otherwise, you could expect at least €150 to €300 for a cavity with quality filling that lasts longer and matches the color of your teeth. If you’re really unlucky, you’ll have advanced tooth decay that requires you to get a crown – that’s at least €600 if you don’t care about the quality. 

So, you’re probably asking yourself now: shouldn’t public health insurance cover the cost of dental care? Well, it’s actually optional and needs to be added to your public health insurance. 

 

What is actually covered by public health insurance and what additional coverage do I get with dental insurance in Germany?

With public health insurance, you’ll have the basics covered to make sure you stay in good health. That means basic anesthetics for procedures, fillings for cavities and similar procedures. What isn’t covered is what most people would consider to be the essentials like high quality fillings that match the color of your teeth, modern anesthetics like nitrous oxide and dental cleanings. 

 

Advantages of dental insurance?

  1. Comprehensive dental coverage

    • If you plan on going to the dentist more than once per year, it’s less expensive than a dental insurance plan!
  2. Routine maintenance and cosmetic care

    • Having a nice smile can make or break someone’s confidence, and just having the option to have routine maintenance and cosmetic care is a huge weight off many people’s shoulders.
  3. Low cost

    • It’s about the same cost as having a family Netflix or Spotify account (that’s for the advanced plan too). 
  4. English signup & lifetime support

    • Not everyone has time to learn German before going to the dentist. That’s why we’ll handle all the German paperwork for you.

 

You can see the table below for more information:dental insurance

 

When does it make sense to get dental insurance in Germany?

  1. You care about healthy teeth and gums
    • If you plan to go to the dentist every year for more than one routine check-up, cleaning or other dental care, you should get dental insurance. 
  2. You want quality care that public insurance won’t cover 
    • Most quality dental care isn’t covered by public insurance. This includes quality fillings and cleanings. 
  3. You want to whiten your teeth 
    • Our dental insurance plan is more comprehensive than others because it provides €200 every two years on teeth whitening. 
  4. You want to skip the line
    • With a dental insurance plan, you no longer have to wait for treatments.
  5. You’re 35 or older
    • As you get older, the risk of dental problems increases rapidly – even if you’ve had perfect teeth until this point, it’s almost impossible to avoid certain issues.

 

Who is eligible for dental insurance and how much does it cost?

Almost everyone is eligible for dental insurance (as long as you’re on public insurance). Just make sure that you are only missing three teeth maximum when signing up since you’re no longer eligible for dental insurance at four missing teeth. 

For advanced dental care, the cost of coverage also increases each year with a maximum cost of coverage for those aged +61. For insurers, this allows people who are older to get more coverage for things like crowns and quality tooth replacement solutions which can range anywhere from €500 for a basic metal crown to €2,000 for a quality dental crown matching the colour of your teeth. 

 

How do I file a claim?

You’ll first need to go to the dentist and have the procedure. You’ll get the bill afterwards and pay for it out of your own bank account. Once you’re home, you’ll just need to take a picture of the bill with your phone before uploading it to the claims screen in your account. 

Since dental insurance is used by so many people, the claim processing time can take anywhere from 2 to 3 weeks even with our dental partners who are ranked as some of the fastest dental insurance providers in Germany. 

Still, considering a cleaning is about an average of €120 and dental insurance being only €9 per month, you’re still saving money long-term even for the most basic yearly cleaning.

 

Frequently asked questions:

  • Is there a network of dentists I have to choose from?
    • No, you can go to any dentist and simply file a claim afterwards.
  • Is there a waiting period for receiving dental treatment?
    • No, there’s no waiting period for receiving treatments like cleanings, so you can start receiving treatment right away. Please note that your policy will not cover any ongoing procedures.
  • Are there any limits on the amount of dental care you can receive?
    • Yes, there are limits on a few services, which you can see in the treatment cost table. 
    • For example, there’s a 90% limit on the reimbursement you can receive for tooth replacements, which is only available when you use Feather Advanced.
  • Does dental insurance in Germany cover root canals?
    • Yes, dental insurance covers root canals up to €150 in the first year and up to €300 in the first two years combined with no limit after that.
  • Does dental insurance in Germany cover crowns?
    • Yes, our Advanced dental insurance plan covers up to 90% of the cost of crowns, bridges, implants, inlays, onlays, dentures, and other replacement procedures for up to €1,500 in the first year, €3,000 in the first two years combined, €4,500 in the first three years combined, €6,000 in the first four years combined. After the first four years, there is no limit. 
    • For crowns, if you received it five years ago, you can have work done after being a policyholder for two years. 
  • Does dental insurance in Germany cover fillings?
    • Yes, dental insurance covers high-quality, cosmetically perfect composite fillings for up to €150 in the first year and up to €300 in the first two years combined with no limit after that. 
    • In comparison, public insurance only provides basic fillings for back teeth that wouldn’t necessarily match your tooth’s color. Public insurance also only covers high-quality, cosmetic fillings for your front four teeth.
  • Does dental insurance in Germany cover repairs in case of an accident?
    • Yes, our Advanced dental insurance plan covers up to 90% of the cost of repairing teeth in the event of an accident. 
    • In comparison, public insurance will only cover about 50% of the total repair cost in the case of an accident.
  • Does dental insurance in Germany cover orthodontic treatment?
    • Yes, dental insurance will cover the cost of orthodontic treatments if you’re under 21, up to €150 in the first year and €300 in the first two calendar years combined.
    • In case of an accident, your insurance will cover all your orthodontic costs but won’t cover any existing orthodontic treatments or hardware.
  • Does dental insurance in Germany cover mouthguards?
    • Yes, dental insurance will cover mouthguards to protect against bruxism, or teeth-grinding.
  • Does dental insurance in Germany cover pre-existing treatments?
    • No, dental insurance won’t cover pre-existing or ongoing treatments, issues, or complaints. It may also be difficult to get dental insurance if you’re already missing many teeth.
  • What are the benefits of good oral health?
    • Good oral health and hygiene are not only important for maintaining beautiful teeth and gums but for your overall health. 
    • Research shows that good oral health positively impacts your overall well-being, and a dentist can detect signs of over 120 diseases during an oral exam.

Transparency: this article was written by Feather, one of our German insurance partner for Expats. If you click in one of their links and register an insurance with them, we earn a commission but there is no additional cost to you,