How Dental Insurance in Germany Works
The way coverage for dental treatments works depends on whether you have public health insurance, private health insurance or supplemental dental insurance. Public health insurance offers less coverage for dental care than private health insurance. German public health insurance covers a small number of basic dental treatments, such as annual dental check-ups. For the majority of dental treatments with public health insurance you have to pay a share or all of the bill. Therefore, many people in Germany with public health insurance buy supplemental dental insurance. You can buy supplemental dental insurance from a private insurance company.
If You Have Public Health Insurance
Public health insurance companies in Germany cover very basic dental care, such as an annual check-up. For the majority of dental treatments, however, you will have to pay out-of-pocket. With public health insurance, you can’t “upgrade” your policy or pay an extra premium to get better coverage for dental care. If you need dental treatments that your public health insurance company doesn’t cover then you will have to pay yourself. The general rule of thumb is that public health insurance companies in Germany cover 50 percent of the cost of necessary dental treatments. If you get an annual check-up for 10 years consecutively then your insurance will cover 65 percent. Since public health insurance in Germany doesn’t offer very good dental coverage, many Germans buy supplemental dental insurance.
It’s important to always check with your insurance company about what costs you will have to pay for yourself before treatment starts. If you agree to additional services with the dentist that go beyond the standard care, then you will have to pay the additional costs. Therefore, before the treatment, ask your dentist for a detailed account that shows the costs of all the services and whether there are alternatives. This is called a Heil-und Kostenplan in German. Submit this to your insurance company. Your health insurance company will want the dentist to justify the additional services.
Additional dental services that you will likely have to pay for yourself include:
- Higher quality alloys made of precious metal, for example gold
- Full facings made of plastic or ceramic
- Inlays, onlays or overlays
- Functional analysis
Supplemental Dental Insurance in Germany
Most people with public health insurance buy supplemental dental insurance. Supplemental dental insurance offers much more coverage than public health insurance. It’s easy to get and not expensive. You can get supplemental dental insurance for less than €10 per month. With supplemental dental insurance you send your insurance company your dental bill for a reimbursement.
If You Have Private Health Insurance
Private health insurance in Germany covers more dental treatments than public health insurance. Furthermore, you can increase your private health insurance premium to get better dental insurance. If you have private health insurance then you do not need to buy supplemental dental insurance.
With private health insurance, after you receive dental care, you will submit a claim to your insurance company for reimbursement.
It’s important that you give your insurance company the cost proposal from your dentist before treatment begins. In German this is the Heil-und Kostenplan.
What does dental insurance in Germany cover?
Public health insurance in Germany covers very few dental treatments. In fact, some dental treatments aren’t covered at all with public health insurance! For this reason, many expats with public health insurance buy supplemental dental insurance in Germany.
The quality and amount of your dental coverage depends on what type of insurance you have. Public health insurance in Germany offers very little dental coverage. Some dental treatments aren’t covered at all! In general, you can expect your public health insurance provider to cover the full cost of standard dental treatments, such as biannual dental check-ups and basic tooth fillings. More extensive dental care, such as professional dental cleanings, is almost never covered under public health insurance. Therefore, most people with public health insurance buy supplemental dental insurance. Private health insurance in Germany usually offers good dental coverage, and oftentimes you can pay a higher premium for more comprehensive coverage.
You can get good supplemental German dental insurance for less than €10 per month. The cost usually depends on two things. First, it depends on the amount of coverage you buy. For example, dental insurance for routine care is less expensive than dental insurance that covers dental prothesis. Second, oftentimes the cost also depends on your age. Some German dental insurance plans are cheaper the younger you are.
Best Dental Insurance in Germany
Getsafe is the best dental insurance in Germany, especially for expats. Getsafe offers three different dental insurance plans: Routine Care, Dental Treatment, and Dental Replacement.
The best dental insurance in Germany is Getsafe dental insurance. This is an especially good option for expats. For starters, Getsafe offers really good dental coverage and it’s not expensive. Plans start at €5.90 per month. Getsafe is so popular amongst expats because all of its services are available in English. For example, Getsafe has an English website, English contract and English-speaking customer support. Many expats with public health insurance in Germany buy supplemental dental insurance with Getsafe.
Benefits of Getsafe:
- Reimbursements are easy. You can upload invoices and receipts to the Getsafe app.
- Services in English
- Coverage worldwide
- Coverage starts the same day you complete your contract
- Plans start at €5.90 per month