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.
Table of Contents
The essentials in brief
- There are 9 dental supplement insurance tariffs that we believe are well suited for children.
- The most important reimbursement services for children are orthodontics (orthodontics) and dentures.
- For orthodontics, the performance is usually divided into KIG 1-2 or KIG 3-5.
- A conclusion is only worthwhile if no damage has been identified and documented.
Dental Supplement Insurance for Children – The Best Tariffs
A very good supplementary dental insurance for children is characterized above all by a high reimbursement rate for the orthodontics service area. That is why we have shown the reimbursement rate for orthodontics and the overall grade achieved in the test in the following table, in addition to the tariff name of the five best tariffs.
DFV Exclusive tooth protection
KIG 3-5 100% unlimited
- Excellent reimbursement
Dental treatment (extract)
100% – refund for plastic fillings
100% – reimbursement for periodontal treatments
Dentures (extract)
100% refund for crowns and bridges
100% – reimbursement for implants
Tooth cleaning (extract)
100% (max. € 200 per year)
The tariff was rated very good (0.5) by Stiftung-Warentest / Finanztest in the edition of 04/2019 and is the test winner of the current test.
You do not have to answer any questions about the health of your teeth to apply for this tariff.
The tariff does not include a waiting period for all services (prophylaxis, dental treatment, dentures and orthodontics).
monthly with 8 years
Inter Z80 + ZPro
60% when classified in KIG 1-2
- Dental treatment / replacement: Good
Dental treatment (extract)
100% – refund for plastic fillings
100% – reimbursement for periodontal treatments
Dentures (extract)
65-80% – reimbursement for crowns and bridges
65-80% – reimbursement for implants
Tooth cleaning (extract)
100% (once a year)
The waiting period defines when treatment costs are covered after the start of insurance:
Dental treatment: Immediately, no waiting time
Dentures: Immediately, no waiting time
Teeth cleaning: Immediately, no waiting time
monthly with 8 years
Signal Iduna ZahnTOPpur
KIG 1-5 90% without limit
- Good reimbursement
Dental treatment (extract)
90% – refund for plastic fillings
90% – reimbursement for periodontal treatment
Dentures (extract)
90% refund for crowns and bridges
90% – reimbursement for implants
Tooth cleaning (extract)
90% (max. € 135 per year) 1)
The rate was rated very good (1.1) by Stiftung-Warentest / Finanztest in the edition of 04/2019.
In the first 4 years, you will receive a maximum of € 3,000 in benefits reimbursed by the insurance.
The following health questions must be answered:
1.) Is there a tooth and / or jaw misalignment or is orthodontic treatment planned or is it carried out? (Only to be answered by persons under the age of 21)
2.) If there is a disease of the tooth structure (periodontitis, periodontitis)?
3.) Are dental prosthesis and / or dental treatment measures advisable (e.g. inlays, crowns, bridges, prostheses, implants)?
4.) Missing teeth that have not been replaced (except gap closure / wisdom teeth / milk teeth) or teeth are crowned or replaced (e.g. bridged teeth, prosthetically restored teeth, implants)?
monthly with 8 years
Inter Z90 + ZPro
KIG1-2 80% without limit
- Excellent reimbursement
Dental treatment (extract)
100% – refund for plastic fillings
100% – reimbursement for periodontal treatments
Dentures (extract)
75-90% – reimbursement for crowns and bridges
75-90% – reimbursement for implants
Tooth cleaning (extract)
100% (once a year)
The rate was rated very good (1.4) by Stiftung-Warentest / Finanztest in the edition of 04/2019.
This tariff also reimburses special services e.g. particularly good for avoiding pain such as general anesthesia, acupuncture and hypnosis.
The waiting period defines when treatment costs are covered after the start of insurance:
Dental treatment: Immediately, no waiting time
Dentures: Immediately, no waiting time
Teeth cleaning: Immediately, no waiting time
monthly with 8 years
Munich association 571 + 572 + 573 + 574
55% when classified in KIG 1-2 and 90% when classified in KIG 3-5
- Excellent reimbursement
Dental treatment (extract)
100% – refund for plastic fillings
100% – reimbursement for periodontal treatments
Dentures (extract)
90% refund for crowns and bridges
90% – reimbursement for implants
Tooth cleaning (extract)
100% (max. € 170 per year)
The tariff was rated very good (1.0) by Stiftung-Warentest / Finanztest in the edition of 04/2019.
The waiting period defines when treatment costs are covered after the start of insurance:
Dental treatment: Immediately, no waiting time
Dentures: Immediately, no waiting time
Teeth cleaning: Immediately, no waiting time
monthly with 8 years
ARAG Dent90+
90% reimbursement when classified in KIG 1-2
- Good reimbursement
Dental treatment (extract)
100% – refund for plastic fillings
100% – reimbursement for periodontal treatments
Dentures (extract)
90% refund for crowns and bridges
90% – reimbursement for implants
Tooth cleaning (extract)
100% (max. € 160 per year)
The waiting period defines when treatment costs are covered after the start of insurance:
Dental treatment: Immediately, no waiting time
Dentures: Immediately, no waiting time
Teeth cleaning: Immediately, no waiting time
The following health questions must be answered:
1.) Are dental treatments, dentures, orthodontic or orthodontic measures currently taking place or are they necessary, recommended or intended by the dentist??
2.) Is a periodontal disease diagnosed and / or treated within the last three years??
3.) How many teeth are missing and are not replaced (without milk / wisdom teeth, you do not have to indicate a complete gap closure as a missing tooth) and / or how many of your teeth are replaced by dentures (removable dentures)?
monthly with 8 years
ARAG DentalPro Z90Bonus
80% when classified in KIG1-2
- Good reimbursement
Dental treatment (extract)
90% – refund for plastic fillings
90% – reimbursement for periodontal treatment
Dentures (extract)
80-90% – reimbursement for crowns and bridges
80-90% – reimbursement for implants
Tooth cleaning (extract)
100% (twice a year € 60, max. € 120 in total)
The rate was rated very good (1.4) by Stiftung-Warentest / Finanztest in the edition of 04/2019.
The waiting period defines when treatment costs are covered after the start of insurance:
Dental treatment: 3 months waiting period
Dentures: 8 months waiting period
Teeth cleaning: 3 months waiting period
The following health questions must be answered:
1.) Are dental treatments, tooth replacement measures, treatments for tooth and jaw regulation or periodontosis currently being carried out or are such necessary, advised or intended?
2.) Number of missing, not replaced teeth (without milk or wisdom teeth, a complete gap closure should not be stated as a missing tooth) and / or number of teeth replaced by prostheses (removable dentures)
monthly with 8 years
Munich association 570 + 572 + 573 + 574
55% when classified in KIG 1-2 and 90% when classified in KIG 3-5
- Very good reimbursement
Dental treatment (extract)
100% – refund for plastic fillings
100% – reimbursement for periodontal treatments
Dentures (extract)
75% – reimbursement for crowns and bridges
75% – reimbursement for implants
Tooth cleaning (extract)
100% (max. € 170 per year)
The rate was rated good (1.6) by Stiftung-Warentest / Finanztest in the edition of 04/2019.
The waiting period defines when treatment costs are covered after the start of insurance:
Dental treatment: Immediately, no waiting time
Dentures: Immediately, no waiting time
Teeth cleaning: Immediately, no waiting time
monthly with 8 years
UCT ZahnPRIVAT Premium
90% refund for KIG 1-5
- Treatments of up to 3 missing teeth even when treatment is advised
total limit
1st calendar year – 900 €
1.-2. Calendar year – € 2,700
1st-3rd Calendar year – 5,400 €
1st-4th Calendar year – € 8,100
From the 5th calendar year, no limit on the total
Dental treatment (extract)
90% – refund for plastic fillings
90% – reimbursement for periodontal treatment
Dentures (extract)
90% refund for crowns and bridges
90% – reimbursement for implants
Tooth cleaning (extract)
90% (max. € 120 per year)
monthly with 8 years
In addition to the listed reimbursement rate for orthodontics (orthodontics), the insured treatment measures must also be observed in the case of an additional dental insurance for children. On the individual tariff detail pages, these can be found under the item / tab "More" – Details on orthodontics – are considered.
Where are the limits?
Like the adult tariffs, additional dental insurance for children provides for a limitation in the amount of benefits in the first few years. The benefit and total limits can be found on the respective tariff details using the button "Ratedetails", under "More", then "orthodontics" and "conditions".
In the following again all tariffs in a clear table.
| collective name | Reimbursement rate orthodontic / dental treatment | final grade |
|---|---|---|
| Exclusive German family insurance for dental protection | KIG 3-5 100% unlimited, very good replacement in the field of dentures | Grade 1.0 – very good |
| Signal Iduna tooth top pure | KIG 1-5 90% without limitation but with many restrictions in the individual forms of therapy | 1.5 – good |
| Inter z90 + ZPro | When classified in the KIG1-2 80% takes over | 1.7 – good |
| Munich Association 571 + 572 + 573 + 574 | When classified in KIG 1-2 and 90% when classified in KIG 3-5 | 1.0 – very good |
| ARAG Dent90+ | 90% when classified in KIG 1-2 | 1.1 – very good |
| ARAG Z90 bonus | 80% when classified in KIG1-2 | 2.3 – good |
| Inter Z80 + ZPro | 60% when classified in KIG 1-2 | 1.4 – very good |
| Munich Association 570 + 572 + 573 + 574 | 55% when classified in KIG 1-2, 90% when classified in KIG 3-5 | 1.2 – very good |
| VKB ZahnPRIVAT – Premium | 90% (limited to 4000 €) | 1.1 – very good |
Which services are excluded?
In all cases, treatments that have already been advised or started are excluded from the insurance benefit. With regard to orthodontic treatments in particular, early closure should therefore be ensured.
What should a good tariff for children include??
In general, when choosing dental insurance for a child, the focus should be different from when you were an adult. While dentures play a minor role in childhood, the areas of orthodontics and dental care are becoming increasingly important.
Almost every second child in Germany needs orthodontic treatment to correct tooth or jaw misalignments. However, the health insurance only pays up to 80% of the treatment costs for regular care in the event of pronounced malpositions. In the case of minor deformities, it does not perform at all. Dental supplementary insurance, on the other hand, offers far more extensive protection and should also cover the additional costs of higher-quality treatment alternatives, such as ceramic brackets or invisible braces. It is important to ensure that the insurance provides both minor malpositions (KIG 1 and 2) and pronounced malpositions (KIG 3 to 5) regardless of the health insurance company. Good tariffs reimburse 80 to 100% of the remaining costs that the health insurance does not cover.
In addition to orthodontics, the range of services of a premium tariff should also include dental preventive measures, such as six-monthly professional tooth cleaning and fissure sealing of the molars. This helps prevent tooth damage in childhood. But dental treatments, such as fillings, should also be covered by the dental supplement insurance, because the statutory health insurance usually only pays the price of an amalgam filling, while private dental supplement insurance also covers the costs of higher-quality materials such as plastic.
The following table shows the costs of orthodontic treatment according to orthodontic indication groups (KIG levels) of a legally insured child without dental supplement insurance (ZZV) on the one hand and on the other hand with a private dental supplement insurance (Bayern ZahnPrivat Premium insurance chamber, 90% reimbursement, max. 3600 €) are explained.
| KIG (version) | Expected costs | own contribution | Own contribution with ZZV |
|---|---|---|---|
| 1 (very easy) | € 5000 | € 5000 | € 1400 |
| 2 (easy) | € 5000 | € 5000 | € 1400 |
| 3 (medium) | 2500 – 7500 € | 500 – 1500 € | € 50-150 |
| 4 (strong) | 5000 – 10000 € | 1000 – 2000 € | € 100-200 |
| 5 (extreme) | € 7500 – 12500 | 1500 – 2500 € | € 150-250 |
As shown in Table 2 above, the GKV does not support classification into KIG 1-2. Thus, parents who have not taken out additional dental insurance for their children and their children’s teeth have a very slight to slight misalignment of the teeth often have to make a difficult decision: make a high financial contribution or the children with it "blemish" let grow up.
What are the limits of insurance for children??
As with the adult tariffs, dental insurance policies for children limit their benefits in the first 4 to 5 years after completion. Here, the highest possible reimbursement limits of at least 3000 to 4000 euros should be observed in the first 4 years.
However, it is not uncommon for the services for orthodontic treatments to be limited. At least 3000 euros in benefits for minor malpositions (KIG 1 and 2) and 1500 euros for serious malpositions (KIG 3 to 5) are desirable. Tariffs that do not provide a service limit in the area of orthodontics are usually accompanied by lower total limits (e.g. Signal-Iduna ZahnTop, max. 2000 euros in the first 4 years).
In addition, some providers provide an age limit for orthodontic services. At best, these should be avoided or should be after the age of 21.
The following table shows the performance and total limits of the UKV ZahnPRIVAT Premium tariff.
| calendar year | total limit | orthodontics | teeth cleaning |
|---|---|---|---|
| 1 year | € 900 | Max. 3600 € (entire term) | € 108 |
| 1.-2. year | € 2,700 | Max. 3600 € (entire term) | € 108 |
| 1st-3rd year | € 5,400 | Max. 3600 € (entire term) | € 108 |
| 1st-4th year | € 8100 | Max. 3600 € (entire term) | € 108 |
| from 5th year | unlimited | Max. 3600 € (entire term) | € 108 |
With the tariff Insurance Chamber Bavaria ZahnPRIVAT Premium, 3600 euros are available for the entire term of the contract for classification in KIG 1-2 and 3600 euros for classification in KIG 3-5. In addition to the high reimbursement rate of 90 percent and this rather high maximum reimbursement, all of the credit points examined by us are covered. This includes:
- Refund for orthodontic functional analysis
- Refund for Invisalign therapy (invisible braces)
- Refund for lingual technique (internal braces)
- Refund for mini brackets
- Reimbursement for plastic brackets
- Reimbursement for retainer (tooth stabilizer)
- Refund for colorless sheets
In addition to child benefits, orthodontic treatments for adults that become necessary after an accident are also covered.
When should an optimal dental insurance for children be taken out??
It is often recommended to take out additional dental insurance for children as early as the age of 3 when the baby teeth have completely developed. As a result, the insured child benefits in the long term from numerous dental preventive measures, such as sealing the fissures of the back and front molars. However, early conclusion is particularly important because the insurance no longer pays for treatments that have already been advised or started. A single tooth under observation due to a malposition is sufficient for this. In this case, the parents must pay the treatment costs themselves.
Can a tariff for adult children continue?
In some cases, it is possible to continue dental insurance for children beyond the age of 21. However, this is generally not recommended, since insurance with good orthodontic services is usually comparatively expensive. Instead, a tariff should be chosen that offers good performance in the areas of dentures and dental treatment, as these areas become more important with increasing age.
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