All about this insurance: Dental insurance
Is dental insurance worth it in Germany?
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How much does supplementary dental insurance cost in Germany?
In short
Good supplementary dental insurance (Zahnzusatzversicherung) usually costs EUR 15 to 30 a month at age 30 to 40, simple tariffs start at about EUR 8. The premium rises with age, often in steps from 40, 50 or 60. What matters most is the percentage of crowns, bridges and implants the policy pays, including what public insurance already covers.
What it costs
Guide figures from publicly quoted tariff examples, monthly premium.
| Example | Typical range |
|---|---|
| Entry tariff, age 30 | from about EUR 8 to 12 |
| Good tariff with 90 percent, age 35 | about EUR 15 to 30 |
| Good tariff, age 50 | about EUR 25 to 40 |
| Good tariff, over 60 | often EUR 40 and more |
Guide values as of September 2026. The figures from age 50 are guide values from our quoting practice. Your premium depends on age and tariff; we obtain the exact quote for you.
Worked example
Employee, 36, healthy teeth
This is how costs add up over ten years.
| Monthly premium, tariff with 90 percent | about EUR 22 |
| Premiums over ten years, with age band from 40 | about EUR 3,000 |
| One implant after seven years, reimbursed | about EUR 2,400 |
| Two inlays, reimbursed | about EUR 900 |
After ten years the insurance has paid about EUR 3,300, slightly more than the premiums. Without treatment the money would be gone.
What drives the price
Your age when you sign and the level of reimbursement set the price. Tariffs paying 90 percent including the public subsidy often cost about twice as much as those paying 60 percent.
| Factor | Effect on the premium |
|---|---|
| Age | rises with each age band |
| 90 instead of 60 percent reimbursement | often about double |
| Cleaning and fillings included | a few euros more |
| Orthodontics for adults | much more |
| Missing teeth when you sign | surcharge or exclusion |
What is different if you come from abroad
If you are in public health insurance (GKV), check-ups and simple fillings are covered. For crowns, bridges and implants, the fund only pays a fixed subsidy (Festzuschuss) of 60 percent of the standard treatment, up to 75 percent if you have kept a bonus booklet (Bonusheft) for ten years. Newcomers have no booklet history, so they start at 60 percent. Everything above that you pay yourself.
Dentists in Germany often suggest treatment beyond the standard, such as ceramic or implants. You receive a treatment and cost plan (Heil- und Kostenplan) first. Treatment already recommended or planned before you sign is usually not covered, so buy the policy before your first check-up reveals a problem. If you have private health insurance, dental cover is usually already part of it.
Age bands and premium increases
Many tariffs have fixed age bands after which the premium jumps. Others build a reserve and rise more slowly instead. Ask which model applies.
Limits in the first years
Almost all tariffs cap payouts in the first years, for example EUR 1,000 in the first year and EUR 2,000 in the first two years. An implant in year one is therefore only partly paid.
Where saving becomes expensive
An EUR 8 tariff often only doubles the public subsidy. For an implant, a large part of the bill then stays with you.
Step by step
- Decide on the reimbursement you want, for example 90 percent.
- Ask about age bands and how the premium develops.
- Check the limits for the first years.
- Compare cover for implants and bone grafts.
- Get several quotes with the same cover.
Checklist
- Reimbursement including the public subsidy known
- Age bands understood
- Limits for the first years known
- No recommended treatment still open
- Cancellation period checked
Common mistakes
- Taking the starting premium for the long-term premium
- Insuring only cleaning although dentures are the real risk
- Mixing up reimbursement with and without the public subsidy
- Signing only after the dentist has already recommended treatment
Questions and answers
Frequently asked
How much does it cost per year?
Usually EUR 100 to 400, depending on age and tariff.
Does it get more expensive with age?
Yes, usually in age bands. Some tariffs build a reserve and rise more slowly.
Do I need it if I have private health insurance?
Usually not, dental cover is normally part of private health insurance. Check the percentages in your tariff.
Can I deduct it from my taxes?
As a provision expense in theory yes, in practice there is usually no room left because the maximum is already used up.
Is there dental cover without health questions?
Yes, but with lower reimbursement or longer limits.
How quickly can I cancel?
Usually at the end of the insurance year, often with three months' notice. That matters if you plan to leave Germany.
Sources
NAMMERT insurance broker
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Related questions
Is supplementary dental insurance worth it in Germany?
Usually yes if you are in public health insurance, in your mid 30s or older and want high quality dental work such as …
NAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker. Statutory disclosure (German) · Updated