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Dental insurance in Germany in Germany: every tariff, every wording
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| Provider and tariff | Prosthetics rate | Implants | Cleaning | Kids ortho minor | Limit year 1 | General waiting |
|---|---|---|---|---|---|---|
| ALTE OLDENBURGERZB 90Take out | noB 1.1, page 2 | noB 1.1, page 2 | yes, up to EUR 50B 2, page 3 | yes, up to EUR 2,500B 3.2.1, page 3 | not addressed | not addressed |
| ALTE OLDENBURGERZE 80Take out | yesB 1.2, page 2 | yes, up to the sum insuredB 1.1, page 2 | yes, up to EUR 50B 2, page 3 | not addressed | yes, up to EUR 800B 1.3, page 3 | not addressed |
| ARAGDent100Take out | yes2. b) Tabelle, Ziffer 5, page 27 | yes, up to the sum insured§ 4 Teil II (4) 2., page 11 | yes, up to EUR 2002. b) Tabelle, Ziffer 1, page 27 | yes, up to the sum insured2. b) Tabelle, Ziffer 9, page 27 | yes, up to EUR 1,5002. c), page 28 | none3., page 28 |
| ARAGDent70Take out | yes2. b) Tabelle, Ziffer 5, page 27 | yes, up to the sum insured§ 4 Teil II (4) 2., page 11 | yes, up to EUR 702. b) Tabelle, Ziffer 1, page 27 | yes, up to the sum insured2. b) Tabelle, Ziffer 9, page 27 | yes, up to EUR 5002. c), page 28 | none3., page 28 |
| ARAGDent90Take out | yes2. b) Tabelle, Ziffer 5, page 27 | yes, up to the sum insured§ 4 Teil II (4) 2., page 11 | yes, up to EUR 1602. b) Tabelle, Ziffer 1, page 27 | yes, up to the sum insured2. b) Tabelle, Ziffer 9, page 27 | yes, up to EUR 1,0002. c), page 28 | none3., page 28 |
| ARAGDent90+Take out | yes2. b) Tabelle, Ziffer 5, page 27 | yes, up to the sum insured§ 4 Teil II (4) 2., page 11 | yes, up to EUR 1602. b) Tabelle, Ziffer 1, page 27 | yes, up to the sum insured2. b) Tabelle, Ziffer 9, page 27 | yes, up to EUR 1,0002. c), page 28 | none3., page 28 |
| BarmeniaGothaerBarmenia Mehr Zahn 80Take out | yesB 1, page 2 | yes, up to the sum insuredB 1, page 2 | not addressed | not addressed | yes, up to EUR 1,500B 1, page 2 | noneD 1, page 3 |
| Berlin DirektZahnzusatzversicherungTake out | yes§ 3.2, page 3 | yes, up to the sum insured§ 3.4 Nr. 3, page 4 | yes, up to the sum insured§ 3.5 Nr. 1, page 4 | not addressed | yes, up to the sum insured§ 3.10, page 5 | none§ 5, page 6 |
| ContinentaleCEZETake out | yesB I 3 b), page 36 | yes, up to the sum insuredB III 3, page 37 | yes, up to EUR 250B I 2, page 36 | not addressed | yes, up to EUR 1,500B II, page 36 | noneA 5, page 36 |
| ContinentaleCEZK-UTake out | yesB I 1 b), page 31 | yes, up to the sum insuredB I 1 b), page 31 | not addressed | not addressed | yes, up to EUR 1,000B II, page 31 | yes§ 3 Abs. 2 MB/KK 2009, page 3 |
| ContinentaleCEZP-UTake out | yesB I 3 b), page 33 | yes, up to the sum insuredB I 3 b), page 33 | yes, up to EUR 80B I 2, page 33 | not addressed | yes, up to EUR 1,000B II, page 34 | yesA 5, page 33 |
| ContinentaleStartZTake out | yesB 2, page 14 | yes, up to the sum insuredB 2, page 14 | yes, up to EUR 50B 1, page 14 | not addressed | yes, up to EUR 750B 2, page 14 | yes§ 3 Abs. 2 RB/EF 2011, page 3 |
| DA DirektZahnschutz KomfortTake out | yesTarifblatt, page 1 | yes, up to the sum insured3.5, page 5 | yes, up to EUR 150Tarifblatt, page 1 | noTarifblatt, page 1 | yes, up to EUR 750Tarifblatt, page 2 | none4., page 6 |
| DA DirektZahnschutz PremiumTake out | yesTarifblatt, page 1 | yes, up to the sum insured3.5, page 5 | yes, up to EUR 180Tarifblatt, page 1 | yes, up to EUR 1,800Tarifblatt, page 1 | yes, up to EUR 1,100Tarifblatt, page 2 | none4., page 6 |
| DA DirektZahnschutz Premium PlusTake out | yesTarifblatt, page 1 | yes, up to the sum insured3.5, page 5 | yes, up to EUR 200Tarifblatt, page 1 | yes, up to EUR 2,000Tarifblatt, page 1 | yes, up to EUR 1,500Tarifblatt, page 2 | none4., page 6 |
| DEVKZ-GTake out | yes3.1, page 17 | yes, up to the sum insured3.1, page 17 | no3.2, page 18 | not addressed | not addressed | yes§ 3 Teil I (2), page 7 |
| DEVKZ-G2Take out | yes3.1, page 17 | yes, up to the sum insured3.1, page 17 | yes, up to EUR 503.2, page 18 | not addressed | not addressed | yes§ 3 Teil I (2), page 7 |
| DEVKZ-G5Take out | yes3.1, page 18 | yes, up to the sum insured3.1, page 17 | yes, up to EUR 803.2, page 18 | not addressed | not addressed | yes§ 3 Teil I (2), page 7 |
| DFVZahnSchutzTake out | yes2.3.1, page 3 | yes, up to the sum insured2.3.1, page 3 | yes, up to the sum insured2.3.3, page 3 | yes, up to the sum insured2.3.2, page 3 | yes, up to the sum insured5, page 4 | none3, page 4 |
| envivasDental-PlusTake out | yes2., page 3 | yes, up to the sum insured2., page 3 | not addressed | not addressed | yes, up to EUR 5002., page 3 | yes§ 3 (2) RB/KK 09, page 5 |
| envivasDentalTopTake out | yes2., page 3 | yes, up to the sum insured2., page 3 | not addressed | not addressed | yes, up to EUR 5002., page 3 | yes§ 3 (2) RB/KK 09, page 5 |
| envivasDentalXtraTake out | yes2., page 3 | yes, up to the sum insured2., page 3 | not addressed | not addressed | yes, up to EUR 5002., page 3 | yes§ 3 (2) RB/KK 09, page 5 |
| envivasDentFlex.100Take out | yesB 1, page 8 | yes, up to the sum insuredB 1, page 8 | yes, up to EUR 150B 3, page 9 | yes, up to EUR 3,000Informationsblatt, B 4, page 1 | yes, up to EUR 1,000B, page 7 | noneB, page 7 |
| envivasDentFlex.70Take out | yesB 1, page 8 | yes, up to the sum insuredB 1, page 8 | yes, up to EUR 150B 3, page 9 | yes, up to EUR 3,000Informationsblatt, B 4, page 1 | yes, up to EUR 1,000B, page 7 | noneB, page 7 |
| envivasDentFlex.80Take out | yesB 1, page 8 | yes, up to the sum insuredB 1, page 8 | yes, up to EUR 150B 3, page 9 | yes, up to EUR 3,000Informationsblatt, B 4, page 1 | yes, up to EUR 1,000B, page 7 | noneB, page 7 |
| envivasZahn70Take out | yes2.1, page 3 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1002.3, page 3 | not addressed | yes, up to EUR 5002.4, page 3 | yes§ 3 (2) RB/KK 09, page 5 |
| envivasZahn90Take out | yes2.1, page 3 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1502.3, page 3 | not addressed | yes, up to EUR 1,0002.4, page 3 | yes§ 3 (2) RB/KK 09, page 5 |
| envivasZahnFlex.KindTake out | yes2.1, page 4 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1002.3, page 4 | yes, up to EUR 1,0002.4, page 4 | not addressed | yes§ 3 (2) RB/KK 09, page 7 |
| envivasZahnFlex.LTake out | yes2.1, page 4 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1252.3, page 4 | no2.4, page 4 | not addressed | yes§ 3 (2) RB/KK 09, page 7 |
| envivasZahnFlex.MTake out | yes2.1, page 4 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1002.3, page 4 | no2.4, page 4 | not addressed | yes§ 3 (2) RB/KK 09, page 7 |
| envivasZahnFlex.MAXTake out | yes2.1, page 4 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1752.3, page 4 | no2.4, page 4 | not addressed | yes§ 3 (2) RB/KK 09, page 7 |
| envivasZahnFlex.STake out | yes2.1, page 4 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 752.3, page 4 | no2.4, page 4 | not addressed | yes§ 3 (2) RB/KK 09, page 7 |
| envivasZahnFlex.XLTake out | yes2.1, page 4 | yes, up to the sum insured2.1, page 3 | yes, up to EUR 1502.3, page 4 | no2.4, page 4 | not addressed | yes§ 3 (2) RB/KK 09, page 7 |
| GothaerMediZ Duo 100Take out | yesB 1, page 1 | yes, up to the sum insuredC 1, page 3 | yes, up to the sum insuredB 4, page 2 | yes, up to the sum insuredB 5.1, page 2 | yes, up to EUR 1,000B 3, page 2 | noneC 15, page 4 |
| HalleschedentPRO.80Take out | not addressed | not addressed | yes, up to EUR 80II.2, page 15 | not addressed | not addressed | noneIII, page 15 |
| HalleschedentZB.100Take out | not addressed | not addressed | not addressed | yes, up to EUR 1,000II.7, page 19 | yes, up to EUR 500II.9, page 19 | noneIII, page 19 |
| HalleschedentZE.100Take out | yesII.3.2, page 22 | yes, up to the sum insuredII.3.1, page 22 | not addressed | not addressed | yes, up to EUR 1,000II.5, page 23 | noneIII, page 23 |
| HalleschedentZE.90Take out | yesII.3.2, page 26 | yes, up to the sum insuredII.3.1, page 26 | not addressed | not addressed | yes, up to EUR 1,000II.5, page 27 | noneIII, page 27 |
| HanseMerkurExklusivTake out | yesI 2, page 1 | yes, up to the sum insuredI 1.2, page 1 | not addressed | not addressed | yes, up to EUR 420I 2, page 1 | not addressed |
| HUK-COBURGZZ ProTake out | yes4.5, page 3 | yes, up to the sum insured4.5, page 3 | yes, up to EUR 1004.2, page 2 | yes, up to EUR 1,5004.6, page 3 | not addressed | none2, page 2 |
| HUK-COBURGZZ Pro100Take out | yes4.5, page 3 | yes, up to the sum insured4.5, page 3 | yes, up to the sum insured4.2, page 2 | no4.6, page 3 | yes, up to EUR 1,0005.5, page 3 | none2, page 2 |
| HUK-COBURGZZ Pro90Take out | yes4.5, page 3 | yes, up to the sum insured4.5, page 3 | yes, up to EUR 2004.2, page 2 | no4.6, page 3 | yes, up to EUR 1,0005.5, page 4 | none2, page 2 |
| JanitosJA dental 100plusTake out | yes3.3, page 8 | yes, up to the sum insured3.3, page 8 | yes, up to the sum insured3.2, page 8 | no8, page 9 | yes, up to EUR 1,5003.7, page 9 | none2.2, page 8 |
| JanitosJA dental 75plusTake out | yes3.3, page 8 | yes, up to the sum insured3.3, page 8 | yes, up to EUR 1203.2, page 8 | no8, page 9 | yes, up to EUR 1,0003.6, page 9 | none2.2, page 8 |
| JanitosJA dental 90plusTake out | yes3.3, page 8 | yes, up to the sum insured3.3, page 8 | yes, up to EUR 1803.2, page 8 | no8, page 9 | yes, up to EUR 1,0003.6, page 9 | none2.2, page 8 |
| LKHZahnUpgrade50Take out | yesB2 c, page 5 | yes, up to the sum insuredB1 c, page 4 | yes, up to EUR 100B2 b, page 5 | yes, up to EUR 1,500B1 d, page 4 | yes, up to EUR 1,000B2 f 2., page 6 | noneA 2, page 3 |
| LKHZahnUpgrade70+Take out | yesB2 c, page 5 | yes, up to the sum insuredB1 c, page 4 | yes, up to EUR 140B2 b, page 5 | yes, up to EUR 2,000B1 e, page 5 | yes, up to EUR 1,000B2 h 2., page 7 | noneA 2, page 3 |
| LKHZahnUpgrade90+Take out | yesB2 c, page 5 | yes, up to the sum insuredB1 c, page 4 | yes, up to EUR 180B2 b, page 5 | yes, up to EUR 2,500B1 e, page 5 | yes, up to EUR 1,000B2 h 2., page 7 | noneA 2, page 3 |
| LVMZahnKomfortTake out | yes§ 4 (4) AVB/GZ, page 26 | yes, up to the sum insured§ 4 (4) b AVB/GZ, page 26 | yes, up to EUR 100§ 4 (2) AVB/GZ, page 26 | yes, up to EUR 1,000§ 4 (5) AVB/GZ, page 26 | yes, up to EUR 800§ 5 (1) AVB/GZ, page 27 | yes§ 14 (1) AVB/GZ, page 28 |
| LVMZahnPremiumTake out | yes§ 4 (4) AVB/GZ, page 26 | yes, up to the sum insured§ 4 (4) b AVB/GZ, page 26 | yes, up to EUR 200§ 4 (2) AVB/GZ, page 26 | yes, up to EUR 2,000§ 4 (5) AVB/GZ, page 26 | yes, up to EUR 1,000§ 5 (1) AVB/GZ, page 27 | yes§ 14 (1) AVB/GZ, page 28 |
| MÜNCHENER VEREINZahnGesund 100Take out | yesB 3, page 10 | yes, up to the sum insuredB 3, page 10 | yes, up to EUR 100B 2, page 10 | yes, up to EUR 5,000B 6, page 11 | yes, up to EUR 1,500B 7, page 11 | noneC, page 12 |
| MÜNCHENER VEREINZahnGesund 75+Take out | yesB 3, page 11 | yes, up to the sum insuredB 3, page 10 | yes, up to EUR 75B 2, page 10 | yes, up to EUR 1,000B 5, page 11 | yes, up to EUR 900B 6, page 11 | noneC, page 12 |
| MÜNCHENER VEREINZahnGesund 85+Take out | yesB 3, page 11 | yes, up to the sum insuredB 3, page 10 | yes, up to EUR 85B 2, page 10 | yes, up to EUR 2,500B 5, page 11 | yes, up to EUR 1,000B 6, page 11 | noneC, page 12 |
| SIGNAL IDUNAZahnTOPTake out | yesB 2.1, page 2 | yes, up to the sum insuredB 2.5, page 2 | yes, up to the sum insuredB 1, page 2 | yes, up to the sum insuredB 1, page 2 | yes, up to EUR 1,000B 2.5, page 2 | noneA 2, page 2 |
| uniVersauni-dent|PrivatTake out | yesII.2.1 b, page 1 | yes, up to the sum insuredII.1.1, page 1 | yes, up to EUR 75II.1.5, page 1 | yes, up to EUR 600II.2.3 a, page 2 | yes, up to EUR 750II.3.1, page 2 | yes§ 3 (2) MB/KK 2009, page 4 |
| uniVersauni-dent|Top 100Take out | yesII.1.2.2 b, page 2 | yes, up to the sum insuredII.1.2.1, page 1 | yes, up to EUR 250II.1.6.1, page 2 | yes, up to EUR 3,000II.1.3.1, page 2 | yes, up to EUR 1,500II.2.1, page 3 | noneIV.1, page 3 |
| uniVersauni-dent|Top 75Take out | yesII.1.2.2 b, page 2 | yes, up to the sum insuredII.1.2.1, page 1 | yes, up to EUR 150II.1.6.1, page 2 | yes, up to EUR 2,000II.1.3.1, page 2 | yes, up to EUR 1,000II.2.1, page 3 | noneIV.1, page 3 |
| uniVersauni-dent|Top 90Take out | yesII.1.2.2 b, page 2 | yes, up to the sum insuredII.1.2.1, page 1 | yes, up to EUR 200II.1.6.1, page 2 | yes, up to EUR 2,500II.1.3.1, page 2 | yes, up to EUR 1,000II.2.1, page 3 | noneIV.1, page 3 |
| VRKZZ ExclusiveTake out | yes4.5, page 3 | yes, up to the sum insured4.5, page 3 | yes, up to the sum insured4.2, page 2 | yes, up to EUR 3,0004.6, page 3 | yes, up to EUR 1,0005.5, page 3 | none2, page 2 |
| VRKZZ ProfessionalTake out | yes4.5, page 3 | yes, up to the sum insured4.5, page 3 | yes, up to EUR 2004.2, page 2 | yes, up to EUR 1,5004.6, page 3 | yes, up to EUR 1,0005.5, page 4 | none2, page 2 |
| VRKZZ StartTake out | yes4.5, page 3 | not addressed | yes, up to EUR 1004.2, page 2 | yes, up to EUR 1,5004.6, page 3 | not addressed | none2, page 2 |
| WürttembergischeZahnersatz100Take out | yes3.1, page 17 | yes, up to the sum insured3.1, page 17 | not addressed | no6, page 18 | yes, up to EUR 1,5004, page 18 | none10, page 18 |
| WürttembergischeZahnersatz75Take out | yes3.1, page 17 | yes, up to the sum insured3.1, page 17 | not addressed | no6, page 18 | yes, up to EUR 8004, page 18 | none10, page 18 |
| WürttembergischeZahnersatz90Take out | yes3.1, page 17 | yes, up to the sum insured3.1, page 17 | not addressed | no6, page 18 | yes, up to EUR 1,5004, page 18 | none10, page 18 |
Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.
About this archive, data downloads
This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 72 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.
German market: tariffs for people living in Germany.
Why we publish this
We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.
Still in progress
These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.
- Allianz
- AXA
- ERGO
- NÜRNBERGER
- VPV
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The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.
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