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.
Check costs before treatment
It’s important to always check with your insurance company about what costs you will have to pay for y Save ourself 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
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