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Does supplementary dental insurance pay for implants in Germany?

In short

Yes, good supplementary dental insurance in Germany does pay for implants, usually 80 to 100 percent of the bill including the public subsidy. That matters, because an implant with crown costs about EUR 1,400 to 3,500, with bone grafting over EUR 5,000, and public insurance only pays a fixed subsidy. In the first years most tariffs cap what they pay.

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Does supplementary dental insurance pay for implants in Germany?

What it costs

Costs and refunds from published sample calculations and tariff terms in Germany.

ExampleTypical range
Single implant with crownabout EUR 1,400 to 3,500
Implant crown with bone grafting, sample caseabout EUR 5,057, of which public insurance about EUR 691
Refund of different tariffs in the sample caseabout EUR 194 to 4,366
Cap in year one, sample tariffEUR 750, after four years EUR 3,000

As of October 2026.

Implant costs vary by practice, material and effort.

We calculate the premium for your tariff based on age and dental status.

Worked example

Implant with bone grafting, tariff paying 90 percent

A back tooth must be replaced. The tariff has been running for five years, so the early caps no longer apply.

Bill with bone graftingEUR 5,057
Public subsidy with BonusheftEUR 691
Tariff: 90 percent of the bill minus the subsidyEUR 3,860
Your shareEUR 506

You pay about EUR 506 instead of EUR 4,366. In year one with a EUR 750 cap it would be about EUR 3,616.

What an implant costs and what public insurance pays

An implant is an artificial tooth root made of titanium or ceramic with a crown on top. The bill covers surgery, crown, lab work and often bone grafting.

Public health insurance pays for the implant itself only in rare exceptions. Instead it gives a fixed subsidy based on the simplest solution for the gap. On a bill of just over EUR 5,000 that is about EUR 691 with a full Bonusheft.

ItemWhat to expect
Implant with crown, simple caseabout EUR 1,400 to 3,500
Case with bone grafting, sample billabout EUR 5,057
Public subsidy in the sample, top bonus 2026about EUR 691
Your share without supplementary coverabout EUR 4,366
Refund depending on tariffabout EUR 194 to 4,366

How to recognise a good implant tariff

The terms should name implants explicitly and include bone grafting and the crown. Good tariffs pay 90 to 100 percent of the bill minus what public insurance already pays.

Check for limits on the number of implants per jaw and whether the tariff only pays up to the maximum rate of the German dental fee schedule (GOZ). If the practice charges more, the difference is yours.

The caps in the first years

Almost all tariffs phase in their benefits. A typical example: at most EUR 750 in year one, EUR 1,500 over two years, EUR 2,250 over three and EUR 3,000 over four. After that there is no cap.

That is not enough for an implant soon after you sign. The insurance pays off mainly if you take it out early, while all teeth are present and healthy. After an accident many tariffs pay without caps.

When signing no longer helps

If the tooth is already missing or a dentist has already recommended an implant, no tariff will pay for it. Missing teeth are asked about when you apply and are usually excluded or insured for a surcharge.

In that case it helps more to compare treatment plans from two practices and use your Bonusheft. For your other teeth a tariff can still make sense.

Step by step

  1. Check your dental status honestly: is a tooth missing or treatment recommended?
  2. Look for tariffs that name implants, bone grafting and crowns explicitly.
  3. Compare the refund rate and the caps in the first years.
  4. Check limits on the number of implants and the fee schedule.
  5. Sign while your teeth are healthy and keep your Bonusheft going.

Checklist

  • Implants explicitly covered
  • Bone grafting included
  • Refund at least 80 percent including the public subsidy
  • Caps in the first years known
  • Accidents without early caps
  • No limit on the number of implants that bothers you

Common mistakes

  • Signing only after the dentist has recommended the implant
  • Expecting full benefits in year one
  • Not stating missing teeth in the health questions
  • Looking only at the percentage and not checking bone grafting

Questions and answers

Frequently asked

Does German public health insurance pay for an implant?

Only in rare exceptions. Otherwise it pays a fixed subsidy for the simplest solution, usually a crown or bridge.

How much does supplementary insurance pay for an implant?

Good tariffs pay 80 to 100 percent of the bill including the public subsidy, capped in the first years.

Is bone grafting covered?

With many good tariffs yes, but not with all. It can cost over EUR 1,600, so check it explicitly.

Can I sign if a tooth is already missing?

Usually yes, but that gap is then excluded or costs a surcharge. Your other teeth are covered normally.

Do the caps apply after an accident?

With many tariffs no. After an accident they pay without waiting period or early caps.

I have private health insurance (PKV). Do I need this?

Possibly not. Many PKV tariffs already include implants, some with limits. Check your own terms first.

Sources

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