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Dental supplementary insurance comparison 2020

The best dental supplement insurance in the test.

A beautiful smile can not only enchant, bright white and healthy teeth also strengthen our self-confidence. But if you are not naturally blessed with intact rows of teeth, you should make provisions early and rely on dental insurance.

The services can differ significantly depending on the provider. If you focus on dentures, you should pay attention to the highest possible subsidy or a complete assumption of costs. Which insurers also high Prophylaxis and treatment grants guarantee, our test or comparison table shows you at first glance.

Christina Cherry

Dental supplementary insurance prophylaxis, test winner 2020

Dental supplement insurance including prophylaxis: Top 10 tariffs in comparison & test

Those who think about taking out private dental insurance usually want to protect themselves against high costs for dentures and expensive dental treatments. Often underestimated, however, dental prophylaxis is also an important benefit of private dental supplementary insurance. In the field of dental prophylaxis, statutory health insurers provide little or no benefits. In contrast, more and more private dental insurance companies also provide preventive measures, such as professional tooth cleaning, in their scope of services. Accordingly, when choosing a tariff, it is worth taking a closer look at the services in the area of ​​dental prophylaxis.

Christina Cherry

dental insurance

What is dental insurance??

A private supplementary dental insurance reimburses the costs for dental treatments that are not or only partially covered by the statutory health insurance companies. As a result, they reduce their own contribution to high dental bills.

Because especially when teeth have to be replaced, it often becomes really expensive. High-quality dentures such as an implant quickly cost several thousand euros. At the same time, the health insurance companies have reduced their benefits significantly in recent years.

Christina Cherry

Dental supplementary insurance duration: are there any differences?

Dental supplementary insurance term: there are differences?

Supplementary dental insurance is usually a long-term agreement that will continue for years. If an existing insurance contract should nevertheless be terminated, the minimum contract term and notice period must be observed. However, the duration varies considerably depending on the tariff and can be between one month and two years.

Table of Contents

What is the term of an additional dental insurance?

After conclusion, many insurers provide for a minimum contract term in which the contract cannot be terminated. However, this term varies between the individual tariffs and can range from just one month (e.g. Ergo Direkt ZAB + ZBB + ZBE) to one year (e.g. Advigon Dental Health Special) up to two years (e.g. Allianz DentalBest). The duration of a tariff is therefore very unpredictable and should be checked before closing. In most cases, dental supplementary insurance policies with low benefit limits provide a long term in the beginning, while tariffs with strong restrictions require a rather short term.

Christina Cherry

Supplementary dental insurance for children: benefits and costs

Supplementary dental insurance for children: sensible protection?

Supplementary dental insurance: Optimal coverage for children

Most associate dental insurance with reimbursement for dental prostheses – for children, this will generally not be the motivation of the parents to take out dental insurance. The trigger is rather the fear that the health insurance company will not pay for orthodontic treatment and that the parents will have to bear the cost of braces, often of a few thousand euros. Here, as in many other cases, it makes sense to take out additional dental insurance. But the children’s tariffs also provide extensive dental treatment and prophylaxis and relieve the parents’ budget.

Christina Cherry

Supplementary dental insurance for braces, test 01

Dental dental insurance for braces: Top 10 tariffs comparison & test

Braces are used to correct misaligned teeth or jaws, thus preventing pain and restricting chewing or speaking. About every second child in Germany needs orthodontic treatment and braces are not uncommon even in adulthood. In childhood, the health insurance company pays a large part of the costs for medically necessary treatments, as long as they are within the standard care. From the age of 18, however, she no longer pays. For this reason, some dental insurance companies also include orthodontics as a service component. This component is particularly important for dental insurance for children.

Christina Cherry

Supplementary dental insurance for tooth cleaning: Top 10 tariffs in comparison & test

Although the conditions for dentures and dental treatments are of particular interest when choosing a dental supplementary insurance, the services for dental care measures, such as professional tooth cleaning, should not be forgotten. Many tariffs now reimburse a share of the costs of professional tooth cleaning and also cover other dental care measures. They are therefore a useful addition to the protection provided by the statutory health insurance company, which, although it bears the costs of the annual check-ups at the dentist, but does not pay for professional teeth cleaning.

Christina Cherry

Supplementary dental insurance for dental fillings, test 2020

Supplementary dental insurance for dental fillings: Top tariffs in comparison & test

Dental defects caused by caries are filled with a tooth by the dentist. A variety of different materials are available for tooth fillings. With a few exceptions, the statutory health insurance only covers the costs of dental filling as part of regular care. Since this mostly consists of an outdated amalgam filling, patients have to expect additional payments for high-quality filling materials. On the other hand, dental insurance companies that provide dental treatment in their range of services also reimburse the costs for modern filling materials and inlays.

Christina Cherry

Dental supplementary insurance for children, best provider 2020

Dental supplementary insurance for children: Top tariffs I test & comparison

A private dental supplement insurance for children is a useful addition to the services of the statutory health insurance.

It is important when choosing the tariff that the tariff focuses on the benefits in such a way that reimbursement of treatment costs that often occur in childhood. Orthodontic treatments in particular occur frequently up to the age of 18 and are often associated with high costs. Here, in particular, we focused on the selection of tariffs below.

A private dental supplementary insurance supplements the services of the statutory health insurance, protects against high additional payments and in many cases also covers the costs of higher-quality treatment options.

Christina Cherry

Supplementary dental insurance for children, 100% for orthodontics

Child Dental Insurance: Find the best dental insurance

Supplementary dental insurance for children offers two main advantages: It offers financial protection because the costs of treatment in orthodontics can quickly be between 2,500 and 6,000 euros. The second aspect is our children’s dental health and beauty. Dental supplementary insurance for children is an investment in the future, because your child will have something of healthy and beautiful teeth for a lifetime! You will find different tariffs with us, so that you will find the best supplementary insurance for your child that optimally covers your requirements.

Christina Cherry