Dental Supplementary Insurance Test 2019 | The best rates at a glance
They are looking for the ultimate & largest Dental supplement insurance test or the best dental insurance? Then you are exactly right here! With us you get a comprehensive overview of all popular test magazines! We especially liked the current test by Stiftung Warentest (May 2019) looked closely.
Look at the results & Test winner closer and read in our expert criticism why the test of financial test is not optimal (click here).
In addition, our experts have in-house EXPERT test the 10 best rates for adults & children rated for you!
Or would you like to find out about other tests?, e.g. Check24, Waizmanntabelle or Focus-Money? Also you will find detailed information incl. Overview of the test winner with us.
Table of Contents:
Dental supplement insurance test 2019 – Stiftung Warentest
The consumer magazine Stiftung Warentest has been testing dental insurance every two years since 2008. The latest test was published in FINANZtest issue 05-2019.
Of the 234 tariffs tested, 76 were used "Very well" . In our Dental supplement insurance test Review, we explain exactly which tariffs have been evaluated by Stiftung Warentest as test winner and how was tested.
Find out more about the test winners at Stiftung Warentest:
Test winner 2019 – Comfort – dental supplement insurance (with prophylaxis & Dental treatment)
| DFV ZahnSchutz Exclusive 100 | The Bavarian Tooth Prestige |
DKV KDTP100 + KDBE | Hallesche Giga.Dent | |
|---|---|---|---|---|
| monthly fee | monthly | monthly | monthly | monthly |
| Online degree | Yes | Yes | Yes | Yes |
| With / without age reset |
| Older | contribution |
|---|---|
| 0 – 20 | 33.67 € |
| 21 – 30 | 26,44 € |
| 31 – 40 | 36.56 € |
| 41 – 50 | 41.91 € |
| 51 – 60 | 50,19 € |
| 61 – 70 | 59,15 € |
| 71 – 99 | 60.52 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
tariff without age provisions
This tariff is calculated without aging provisions. This means that the contribution increases with the "Age" automatically as soon as you reach the next higher age group of the given tariff calculation. This variant offers the advantage of significantly cheaper entry fees.
| Older | contribution |
|---|---|
| 0-15 | 21,10 € |
| 16-20 | 18,60 € |
| 21-30 | 25,00 € |
| 31-40 | 32,60 € |
| 41-45 | 41.40 € |
| 46-50 | 46,80 € |
| 51-55 | 54.40 € |
| 56-60 | 59,90 € |
| 61-65 | 66,20 € |
| 66-70 | 67,50 € |
| 71-75 | 65,60 € |
| 76-80 | 63,30 € |
| 81-85 | 49.20 € |
| 86-100 | 35,10 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Tariff without Age provisions
The DKV calculates the tariff KDTP100 + KDBE basically without age provisions. This means that your contribution does not always remain the same on the basis of the entry age, but contributions increase “preprogrammed” every 10 years until the age of 60.
| Older | contribution |
|---|---|
| 0 – 19 | 12.18 € |
| 20-29 | 25,95 € |
| 30 – 39 | 34.65 € |
| 40 – 49 | 46.05 € |
| 50 – 59 | 63.56 € |
| 60 – 99 | 73.76 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Tariff without Age provisions
| Older | contribution |
|---|---|
| 0 – 17 | 16,00 € |
| 18 – 32 | 23,90 € |
| 33 – 43 | 29,90 € |
| 44 – 51 | 39,90 € |
| 52-58 | 46,90 € |
| 59 – 65 | 54,90 € |
| 66 – 99 | 59,90 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Financial test (05-2018):
Financial test (05-2018):
Financial test (05-2018):
Financial test (05-2018):
per year
per year (2x 80 €)
dentures & dental treatment
No limits for orthodontics!
From the 5th year, the benefits are unlimited!
| 1st KJ | 1250.- € |
| 1.-2. KJ | 2500.- € |
| 1st-3rd KJ | 3750.- € |
| 1st-4th KJ | 5000.- € |
From the 5th year, the benefits are unlimited!
| 1st KJ | Max. 600.- € |
| 1.-2. KJ | Max. 1200.- € |
| 1st-3rd KJ | Max. 1800.- € |
From the 4th year, the benefits are unlimited!
dental treatment & Orthodontic
| 1st KJ | Max. 500.- € |
| 1.-2. KJ | Max. 1000.- € |
| 1st-3rd KJ | Max. 1500.- € |
| 1st-4th KJ | Max. 2000.- € |
| 1st-5th KJ | Max. 2500.- € |
dentures
| 1st KJ | Max. 1000.- € |
| 1.-2. KJ | Max. 2000.- € |
| 1st-3rd KJ | Max. 3000.- € |
| 1st-4th KJ | Max. 4000.- € |
| 1st-5th KJ | Max. 5000.- € |
From the 6th year, the benefits are unlimited!
Tooth Prestige
Dental supplement insurance test – Stiftung Warentest – Results at a glance
As in previous years, Stiftung Warentest also updated its test in 2019. The result in a brief overview:
- 234 dental supplements tested
- 76 times "Very well"
- 69 times "Good"
- Focus on dentures as in previous years
The trend of the past years continues – the tariffs are getting better and better. Around one third of all insurance companies surveyed achieved the highest mark "Very well". As in previous years, the DFV Zahnschutz Exclusive tariff was awarded the top mark of 0.5 as the winner of the test – but this year’s top grade was awarded to three other fares:
The Bavarian ZAHN Prestige as well as the brand new tariff Hanse Merkur EZL and Ottonova Zahn 100. Also closely followed this year by the DKV KDTP100 + KDBE with grade 0.6 and the tariff Hallesche Giga.Dent with 0.8. The test winner rates can be found in our current supplemental dental insurance comparison. In our free test you will find all the details & Explanations to the tariffs mentioned.
Test winner Stiftung Warentest 2019 – pure dental insurance
| DKV KDTP100 | Hallesche DentZE.100 | R + V Z1U | Hanse Merkur EZ + EZT | |
|---|---|---|---|---|
| monthly fee | monthly | monthly | monthly | monthly |
| Online degree | Yes | Yes | No | Yes |
| With / without age reset |
| Older | contribution |
|---|---|
| 0 – 19 | 2,32 € |
| 20-29 | 16.11 € |
| 30 – 39 | 24,81 € |
| 40 – 49 | 36,21 € |
| 50 – 59 | 53,72 € |
| 60 – 99 | 63.92 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Tariff without Age provisions
The Hallesche calculates the tariff DentZE.100 basically without age provisions. This means that your contribution does not always remain the same on the basis of the entry age, but contributions increase “preprogrammed” every few years until the age of 66.
| Older | contribution |
|---|---|
| 0 – 17 | 5,40 € |
| 18 – 32 | 13,00 € |
| 33 – 43 | 18,40 € |
| 44 – 51 | 28,40 € |
| 52-58 | 35,40 € |
| 59 – 65 | 42,90 € |
| 66 – 99 | 47,40 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Tariff with Age provisions
The tariff R + V Premium Z1U is always calculated with age provisions. That Although the contribution is initially slightly higher than comparable rates without retirement provisions, the contribution factor already takes into account the risk factor “aging”; the contribution is not continuously adjusted “automatically” with this tariff.
no age-related premium adjustments
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Tariff with Age provisions
The tariff HanseMerkur EZ + EZT is always calculated with age provisions. That Although the contribution is initially slightly higher than comparable rates without retirement provisions, the contribution factor already takes into account the risk factor “aging”; the contribution is not continuously adjusted “automatically” with this tariff.
no age-related premium adjustments
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Financial test (05-2018):
Financial test (05-2018):
Financial test (05-2018):
Financial test (05-2018):
From the 4th year, the benefits are unlimited!
dentures
| 1st KJ | Max. 1000.- € |
| 1.-2. KJ | Max. 2,000 € |
| 1st-3rd KJ | Max. 3000.- € |
| 1st-4th KJ | Max. 4000.- € |
| 1st-5th KJ | Max. 5,000 € |
From the 6th year, the benefits are unlimited!
dentures
| 1st KJ | Max. 1000.- € |
| 2. KJ | Max. 2,000 € |
| 3rd KJ | Max. 3000.- € |
| 4. KJ | Max. 4000.- € |
From the 5th year, the benefits are unlimited!
dentures
| 1st KJ | Max. 600.- € |
| 1.-2. KJ | Max. 1200.- € |
| 1st-3rd KJ | Max. 1800.- € |
| 1st-4th KJ | Max. 2400, – € |
From the 5th year, the benefits are unlimited!
Dental supplement insurance at Stiftung Warentest – optimal price-performance ratio
| INTER Qualimed Z90 + Zpro | Hallesche Mega.Dent | Universa uni-Dent Private | The Bavarian Tooth Smart |
|
|---|---|---|---|---|
| monthly fee | monthly | monthly | monthly | monthly |
| Online degree | Yes | Yes | Yes | Yes |
| With / without age reset |
| Older | contribution |
|---|---|
| 0 – 17 | 14.00 € |
| 18 – 32 | 18,90 € |
| 33 – 43 | 22,90 € |
| 44 – 51 | 29,90 € |
| 52-58 | 34,90 € |
| 59 – 65 | 40,90 € |
| 66 – 99 | 44,90 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Tariff without Age provisions
This tariff is calculated without aging provisions. This means that the contribution increases with the "Age" automatically as soon as you reach the next higher age group of the given tariff calculation. This variant offers the advantage of significantly cheaper entry fees.
| Older | contribution |
|---|---|
| 0 – 15 | 14,14 € |
| 16 – 20 | 16,24 € |
| 21 – 25 | 12,92 € |
| 26 – 30 | 15,68 € |
| 31 – 35 | 18,23 € |
| 36 – 40 | 21.38 € |
| 41 – 45 | 24,72 € |
| 46 – 50 | 27,67 € |
| 51 – 55 | 30,82 € |
| 56 – 60 | 34,75 € |
| 61 – 65 | 38.09 € |
| 66 – 70 | 38,88 € |
| 71 – 99 | 39,27 € |
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
tariff without age provisions
This tariff is calculated without aging provisions. This means that the contribution increases with the "Age" automatically as soon as you reach the next higher age group of the given tariff calculation. This variant offers the advantage of significantly cheaper entry fees.
Important: However, the risk of general premium adjustments (for example, due to cost increases in the healthcare system, changes in statutory health insurance benefits, etc.) is included regardless of the costing variant every provider and tariff. The amount and timing of general contribution adjustments can not be foreseen as they depend on the future evolution of a tariff’s performance expenditure (and nobody can really know it today)!
Financial test (05-2018):
Financial test (05-2018):
Financial test (05-2018):
Financial test (05-2018):
per year (2x 80 €)
dentures & Orthodontic
dental treatment
| 1st VJ | 750.- € |
| 1-2. VJ | 1500.- € |
| 1-3. VJ | 3000.- € |
From the 4th year, the benefits are unlimited
dental treatment & Orthodontic
| 1st KJ | Max. 500.- € |
| 1.-2. KJ | Max. 1000.- € |
| 1st-3rd KJ | Max. 1500.- € |
| 1st-4th KJ | Max. 2,000 € |
| 1st-5th KJ | Max. 2500.- € |
dentures
| 1st KJ | Max. 1000.- € |
| 1.-2. KJ | Max. 2,000 € |
| 1st-3rd KJ | Max. 3000.- € |
| 1st-4th KJ | Max. 4000.- € |
| 1st-5th KJ | Max. 5,000 € |
From the 6th year, the benefits are unlimited
| 1st KJ | Max. 750.- € |
| 1.-2. KJ | Max. 1500.- € |
| 1st-3rd KJ | Max. 2250.- € |
| 1st-4th KJ | Max. 3000, – € |
From the 5th year, the benefits are unlimited!
| 1st KJ | 1250.- € |
| 1.-2. KJ | 2500.- € |
| 1st-3rd KJ | 3750.- € |
| 1st-4th KJ | 5000.- € |
From the 5th year, the benefits are unlimited!
Tooth Smart
Overview – the 10 best fares in the 2019 test
Below is an overview of the 12 best rates * of the dental supplement insurance test ranking of Stiftung Warentest:
| Stiftung Warentest Test result 5-2019 | insurance & tariff name | Example 43 years | Max. Contributions 43 to 74 | Average 43 to 73 |
|---|---|---|---|---|
| Very good (0,5) | The Bavarian ZAHN Prestige | 41 € | 68 € | 58 € |
| Very good (0,5) | DFV Mouthguard Exclusive 100 | 40 € | 65 € | 56 € |
| Very good (0,5) | Hanse Merkur EZL | 41 € | 70 € | 60 € |
| Very good (0,5) | Ottonova tooth 100 | 42 € | 66 € | 58 € |
| Very good (0,6) | DKV KombiMed KDTP100 | 36 € | 64 € | 54 € |
| Very good (0,6) | LVM Tooth Premium | 41 € | 65 € | 57 € |
| Very good (0,8) | ARAG Dent100 | 53 € | 85 € | 74 € |
| Very good (0,8) | Hallesche DentZE.100 | 18 € | 47 € | 38 € |
| Very good (1.0) | UKV Dental Premium | 41 € | 66 € | 56 € |
| Very good (1.0) | DFV Mouthguard Premium 90 | 36 € | 59 € | 51 € |
| Very good (1.0) | Ergo Direct ZAB + ZAE + ZBB | 34 € | 43 € | 40 € |
| Very good (1.0) | Munich club 571 + 572 + 574 | 34 € | 57 € | 47 € |
* Some providers occupy the same place in the test with several tariff combinations – we have shown in our table only one tariff per provider and each selected the cheapest.
Expert review: dental supplement insurance test
Many consumers are quickly unsure when it comes to the very complex issue of finance and insurance in general. Hardly surprising considering the German financial landscape with all its scandals in the past.
One source of information many people rely on is the Stiftung Warentest, with her sister magazine FINANZtest takes a close look at various financial and insurance products at regular intervals. Also the topic dental insurance has the Stiftung Warentest illuminated at regular intervals.
In the past, Financial Testing has been examining dental supplements about every 2 years – so we were a bit surprised that it was already time again in May 2019 after the last test was published a year earlier (5-2018). Much has not changed compared to the previous year’s test!
Some providers had to adjust their contributions partly due to increased Leistungsausgaben not insignificant, other offerers brought out completely new tariffs – including some very good Zahntarife, e.g. the Bavarian with the ZAHN Prestige or the Hanse Merkur with the new 100% tariff EZL or Ottonova with the Tariff tooth 100.
Unfortunately, the testers from Stiftung Warentest do not learn – ours Criticism of the past years was unfortunately not accepted by Stiftung Warentest. The test focuses solely on the performance area dentures. A Subdivide the test into categories, e.g. Tariffs with prophylaxis and tooth preservation, pure dental insurance would have made sense.
Therefore, it is no wonder that the contributions of "Very well" evaluated tariffs in the test very much apart – you compare so synonymous a bit Apples with pears!
Also in the supplementary dental insurance test 2019 the following points have to be criticized:
- no Inclusion of benefits for Dentistry & prophylaxis in the test results
- impractical “weighting” of the individual service areas – the services for implants & Inlays should be weighted much more in contrast to the standard care and normal crown / bridge restorations
- the initial ones power limitations the individual tariffs were barely included in the rankings – a point which in our experience is very much weighted by many interested parties
- too low requirements for one "very good" rating – Example implants: After Stiftung Warentest a tariff is not devalued, if he Limits the services for implants in the terms of insurance. According to the criteria of financial test, it is sufficient if a tariff reimburses 2 implants every 5 years and a maximum of one in the remaining years. Anyone looking at dentures invoices in excess of 10,000 or 20,000 euros, however, quickly realizes that such high bills will only arise when more than 1 or 2 implants "installed" become. Here, the wheat is separated from the chaff – tariffs with such limitations should be deducted in such a test. In our review of implant dental insurance we include such restrictions.
In addition, e.g. a tariff rated “Very Good” indicating its performance to the advance payment of the statutory health insurance “knots”, which in our view is an absolute negative criterion. This is the tariff DKV KDT85, which was rated at 1.3.
Pays the statutory health insurance no fixed subsidy for a medically necessary treatment, it is also from the private supplementary insurance “no benefit” – is such a dental insurance sense makes you can ask?
Evil tongues claim, Stiftung Warentest would base its evaluation criteria on a low level so that as many providers as possible are rated good or very good – after all, an organization such as the Stiftung Warentest has to work economically – and every purchased test seal generates a fair amount of money (between 5,000 and 25,000 Euro). And for one "satisfying" Of course, I do not want to pay any insurance company.
In any case, the consumer is doing a disservice – nice and good, if the Stiftung Warentest examined over 200 dental tariffs – the decision does not really make it easier for the consumer, if about 2 thirds with the highest grade "Very well" have been evaluated. We are curious if the next test will be published in 2020 or 2021.
Any questions? Or need a general advice?
We are happy to advise you free of charge and help you to find the right tariff. Call us for advice on 08142 651 39 28 (Mon-Fri 8-18 clock) or contact us via our contact form. Our experts will be happy to help and advise you and help you to find the right tariff.
Best Dental Supplementary Insurance – Now with the Expert Test 2019 Finding
Are you also looking for the “best dental supplement insurance”? Not so easy to find, right? In our detailed guide we tell you what really matters and how to find the insurance that suits you best.
Interested dental insurance, would rather remain anonymous
Why you should not rely solely on the Stiftung Warentest
Every 1-2 years, dental supplements are taken under scrutiny by Finanztest. Can not you make it easy and just finish the test winner of Stiftung Warentest? That must be the best dental insurance, or not?
No, it’s that easy >does not take into account acceptance guidelines – in this respect it is unclear whether the test winner’s rate is even lockable
So you should not blindly trust a test verdict and complete any product just because it has been awarded by the Stiftung Warentest as a test winner!
But how do you find then the best dental insurance?
A “rigid” test may not be the best way to find the best and most appropriate dental insurance. The results are usually too inappropriate, taking into account individual aspects such as acceptance guidelines and desired benefits.
The way to the best dental insurance therefore leads to only one Combination of several instruments:
- Expert Rating
- Comparison computer with acceptance check
- needs-based advice
In our opinion, finding the perfect insurance requires a little more than just some kind of test – and even with a comparison calculator, it’s not always easy for a layman to stay in the picture.
The question of which insurance suits you best, is a very individual. A first overview can be found here on the basis of To win the test winner of our expert test (see below).
Whether the desired tariffs are also lockable, check with the help of our free comparison calculator. This asks before displaying the tariffs first of all a few details on your dental condition and filters out the unrealizable tariffs for you.
–> here you go to the dental supplement insurance comparison (simply enter date of birth and start the calculator)
If you still get stuck or have doubts, we are happy to help you personally. Call us on 08142 651 39 28 or write us.
Our dental supplement insurance expert test
Of course, the benefits and conditions of an insurance must be scrutinized. We believe that the price of a product should not initially be included in the rating of an insurance company for the following reasons
- on the one hand, the contributions can be adjusted – so it is of little use to you if an insurance today gets the predicate “very good”, because the contribution is very cheap, if just this insurance then later increase the contributions, because the tariff too cheap was calculated
- On the other hand, quality rather than price should be the main focus – you can also complete cheaper fares, but then you should be realistic about realizing that there is less / worse performance for less money as a rule
For these reasons, our expert test evaluates only the benefits of each dental insurance.
So the performance for our expert test was weighted:
Related Posts
-
Supplementary dental insurance in the test – 76 out of 234 rates are very good – Stiftung Warentest
Dental insurance in the test: 76 of 234 fares are very good All test results Product Search content Home test Additional services in our tables – help…
-
Dental supplement insurance calculator
Dental insurance in comparison Calculator for cheap rates for dentures and prophylaxis The statutory health insurance (GKV) takes over for dental…
-
Liability insurance test, all winner
Liability insurance test A liability insurance test gives you a good overview of which over 150 providers of private liability insurance in the German…
-
Dental insurance – what you should know
dental insurance “For persons with statutory health insurance, the question regularly arises: Is additional insurance for the teeth worthwhile? In fact,…