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.
Dental Insurance in Germany
Dental care in Germany is expensive and can be a financial burden. That’s why dental insurance is so important. Whether you’re going to the dentist for a dental crown or bridge, a filling, or just a check-up, dental insurance covers costs that public health insurance doesn’t. Find out how dental insurance works and if you need it. This guide has all the information you need on dental insurance in Germany!
How Dental Insurance in Germany Works
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.
How much does dental insurance cost?
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.
- Monthly Cost for Coverage
- Professional Dental Cleaning
- Free Choice of Dentist
- Global Coverage
- Dental Implants
- Plastic Fillings
- No Premium Development By Age
- Root Canal Treatments
- Dentures (e.g. Dental Crowns & Bridges)
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
Frequently Asked Questions
Who needs supplemental insurance in Germany?
Anyone with public health insurance should consider buying supplemental dental insurance.
What do I need to pay attention to when I buy dental insurance?
When you buy dental insurance you should pay attention to what’s covered and how much it costs. Make sure the dental insurance you choose has sufficient coverage. Of course, plans with more coverage cost more. Nevertheless, you can still get good dental insurance for less than €10.
Who needs to buy dental insurance in Germany?
Anyone with public health insurance should consider buying dental insurance in Germany. Public health insurance in Germany doesn’t offer good dental coverage. Therefore, it’s a good idea to supplement it with dental insurance from a private insurer.
Is there a waiting period after I buy dental insurance?
Waiting Periods It depends on which insurance you buy. For some dental insurance companies, you have to wait a specified period of time for dental treatments to be covered. For others, like Getsafe, your insurance coverage begins as soon as your contract has been processed. You can find the exact date that your insurance coverage starts in your insurance policy.
Do I have to answer health questions when I buy dental insurance?
Oftentimes you will have to answer health questions when you buy supplemental dental insurance. For example, your insurance company might ask you whether you have any missing teeth, implants or crowns. Another question you could have to answer is whether you are currently receiving dental care from your dentist or orthodontist, apart from routine check-ups. An example would be if you have braces.
Does dental insurance cover serious dental treatments?
Yes. You can get supplemental dental insurance plans in Germany that cover serious dental treatments, such as fillings and root canals.