Dental supplement insurance TEST WINNER 2019 Communications Mouthguard

Up to 100% reimbursement for

dental treatments
dentures
Dental implants
Orthodontics (orthodontics)
Dental prophylaxis (max 200 €)

50%
Refund on

100 €
Dental prophylaxis per year

70%
Refund on

140 €
Dental prophylaxis per year

90%
Refund on

180 €
Dental prophylaxis per year

100%
Refund on

200 €
Dental prophylaxis per year

Best performance With satisfaction guarantee

Test winner at Stiftung Warentest 2019

The DFV-ZahnSchutz Exklusiv 100 is for the fourth time in a row Stiftung Warentest TESTSIEGER and once again received the absolute top score of 0.5! Now put on the test winner.

Fairest claims adjuster

The DFV-ZahnSchutz was awarded in the test of Focus Money (05/2019) with the top grade “VERY GOOD” and thus belongs to the fairest rates in Germany.

Our fast, digital application section

Complete your DFV-ZahnSchutz in just a few minutes. We offer you the convenient payment via Amazon Pay or PayPal.

We guarantee daily termination right

You enjoy not only benefits, but also freedoms and can cancel your insurance at any time daily.

dental insurance Services at a glance

Base 50	Comfort 70	Premium 90	Exclusive 100
Dental treatments and dentures

for example:

Microinvasive caries infiltrations
Plastic, composite and enamel-dentin adhesive fillings
Deposit fillings (inlays)
Inclusions of temporaries, bite aids and splints
Treatments for diseases of the oral mucosa and the periodontium;
root canals
Crowns, partial crowns, pin teeth and bridges
Full and partial dentures
Implants and implants worn on implants
Ceramic veneers (veneers)
Restoration of the function of the denture (repair)

50% 70% 90% 100% Orthodontics with GKV-advance

Orthodontic treatments according to the orthodontic indication groups (KIG) 1 to 5

50% 70% 90% 100% Orthodontics without GKV-Vorleistung

Orthodontic treatments according to the orthodontic indication groups (KIG) 1 to 5

maximum € 1,000 per insured event

maximum € 1,400 per insured event

maximum € 1,800 per insured event

maximum € 2,000 per insured event

dental prophylaxis

All dental prophylactic measures, such as professional teeth cleaning and fissure sealants.

at most € 100 per calendar year

maximum 140 € per calendar year

at most € 180 per calendar year

maximum 200 € per calendar year

dental Season

The performance of the different variants (DFV ZahnSchutz Basis 50, Comfort 70, Premium 90 and Exclusive 100) is staggered in the first 12/24/36/48 months, due to the respective power limitation. From the 5th insurance year as well as in the event of an accident and for prophylactic measures, the limitation of benefits ceases.

up to 12 months
675 € up to 24 months
1.250 € up to 36 months
1,875 € up to 48 months
2,500 € from the 49th month
unlimited coverage

up to 12 months
875 € up to 24 months
1,750 € up to 36 months
2,625 € up to 48 months
3,500 € from the 49th month
unlimited coverage

up to 12 months
1,125 euros up to 24 months
2,250 € up to 36 months
3,375 € up to 48 months
4,500 € from the 49th month
unlimited coverage

up to 12 months
1.250 € up to 24 months
2,500 € up to 36 months
3,750 € up to 48 months
5,000 € from the 49th month
unlimited coverage DFV-ZahnSchutz Assistance

24-hour hotline on the following topics:

Oral hygiene and prevention
treatment methods
Fillings, dentures, etc.
Appointment of dentists near the place of residence
Dental second opinion / assessment according to the file
Research of dental clinics abroad

GOZ warranty

We guarantee that newly added (as yet unknown) dental or orthodontic services are also insured.

Exemption from contributions in case of unemployment show more Your tariff choice Complete online Complete online Complete online Complete online

Important reasons for one dental insurance

Supplementary dental insurance without waiting time, without health issues

All our supplementary dental insurance are open to you as a member of a statutory health insurance. You get your desired rate simply without waiting or health issues. Do not waste time and save on high co-payments for dental prophylaxis, orthodontics and dental treatment and dentures!

The insurance coverage of our dental insurance is valid worldwide. In addition, you can freely choose among the established, approved dentists and orthodontists.

Protection against high dentist costs

Dentures, orthodontic treatments and even routine dental prophylaxis are associated with high costs that you, as a legally insured person, have to pay for yourself. The statutory health insurance companies only provide a “diagnosis-oriented fixed subsidy”, ie. H. about 50% of the average cost of a standard care. A patient without private dental insurance thus gets the cheapest care, in which he has to contribute half of himself. Those who want higher-quality treatments bear the entire additional costs alone.

Example costs for dental treatment (after deducting the GKV benefit):

dental costs	Without dental insurance	With the DFV-ZahnSchutz Exclusive 100
Professional tooth cleaning	about 80 €	€ 0.00
ceramic inlay	about 540 €	€ 0.00
ceramic crown	about 410 €	€ 0.00
Implant with ceramic crown	about 1.700 €	€ 0.00
High quality plastic filling	about 90 €	€ 0.00
Bridge (1 tooth)	about 1,500 €	€ 0.00

The DFV dental protection adapts to your needs

We assume your own contribution to 50, 70, 90 or 100%. In what amount exactly – you decide yourself. Choose in our tariff calculator exactly the protection that suits you best.

If you want to get started with a cheap dental supplement, then the basic rate – with a 50% reimbursement – is the right choice for you. The amount of the contributions to be paid, for example between the ages of 31 and 40, amounts to only 16 euros per month. However, if you would like a reimbursement of 70%, 90% or even 100%, then you can either switch to a higher tariff or you can decide for the winner: The DFV-ZahnSchutz Exklusiv 100 reimburses your costs 100%.

Fast reimbursement

Simple, fast and secure: With the digital DFV quick adjustment, you can easily submit your invoices, as well as treatment and cost plans by photo or scan online. So you benefit from a particularly fast reimbursement. We guarantee our customers a regulation of the benefit claims within 48 hours after receipt of all relevant documents.

In our customer portal you will find all further information on the practical DFV rapid regulation.

Digital, mobile and service-oriented

With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.

When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.

The insurance coverage of our dental insurance is valid worldwide. In addition, you can freely choose among the established, approved dentists and orthodontists.

Example costs for dental treatment (after deducting the GKV benefit):

dental costs	Without dental insurance	With the DFV-ZahnSchutz Exclusive 100
Professional tooth cleaning	about 80 €	€ 0.00
ceramic inlay	about 540 €	€ 0.00
ceramic crown	about 410 €	€ 0.00
Implant with ceramic crown	about 1.700 €	€ 0.00
High quality plastic filling	about 90 €	€ 0.00
Bridge (1 tooth)	about 1,500 €	€ 0.00

The DFV dental protection adapts to your needs

We assume your own contribution to 50, 70, 90 or 100%. In what amount exactly – you decide yourself. Choose in our tariff calculator exactly the protection that suits you best.

In our customer portal you will find all further information on the practical DFV rapid regulation.

When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.

Dental treatments at the dentist You have to expect these costs

Reimbursement from the tariff ZahnSchutz Exclusive 100

Invoice amount for an implant restoration (implant + implant-supported dentures)	€ 2,269.86
Reimbursement of your statutory health insurance for the implant	€ 0.00
. /. Reimbursement of your statutory health insurance for implant-supported dentures	300.36 €
Own contribution without additional insurance	€ 1,969.50
Reimbursement by DFV-ZahnSchutz Exclusive	€ 1,969.50
Remaining own contribution	€ 0.00

Benefits of supplementary dental insurance Communications Mouthguard

dental treatments

For a tooth inflamed to depth, root canal treatment is often the last resort. The cause of a damaged tooth nerve (pulp) is mostly caries. This widespread dental disease leads to a swelling of the tissue, which in turn presses on the nerve. Often, in addition, the tooth root is ulcerated and the jawbone attacked by bacteria.

With the private dental supplement insurance DFV-ZahnSchutz you save up to 100% of your own contributions in root and parodontosis treatments.

Prophylaxis (tooth cleaning)

The prophylaxis includes all measures for the prevention, early detection and timely treatment of dental diseases. Especially the caries prophylaxis is a focus of dental work. These include z. B. Fluoridation measures. Also, the dimpling and fissure seal is a preventive measure, which is used at the caries endangered areas of the teeth. The best-known prophylactic method is probably the “professional tooth cleaning”. The costs for this are not covered by most statutory health insurance.

dentures

If z. For example, as a result of tooth decay or periodontitis, the teeth have been severely or even completely destroyed, modern dentistry provides a number of care options to replace parts of the tooth or the whole tooth. A tooth crown replaces z. B. the destroyed part of the natural tooth, while the underlying part is preserved. In bridges, the teeth serving as pillars are crowned over and the gap in between is supplied with a bridge element.

Since January 2005, the health insurance companies pay for dental treatments only fixed subsidies. For a deviating from the standard care dentures, the patient bears the resulting additional costs – without additional dental insurance – therefore themselves.

orthodontics

A correct tooth and jaw position not only provides a harmonious facial aesthetics, but is also needed for a good function of the chewing organs. Even for adults, there is a whole range of orthodontic treatment methods to correct dental and jaw deformity. The dental supplement insurance DFV-ZahnSchutz will cover up to 100% of the costs actually incurred for orthodontic treatment indications (KIG levels) 1 to 5 – depending on the selected option.

tooth preservation

We will replace reimbursable expenses for tooth preservation. These include filler fillings (inlays, onlays and overlays) made of precious metal or ceramic, inclusion of temporaries, plastic fillings and composite fillings (dentin-adhesive fillings), CEREC procedures, periodontal treatments, root canal treatment, root canal treatment, root tip resection, functional analytical and functional therapy services as well as tooth preservation connected dental material and laboratory costs.

Frequently Asked Questions about dental insurance

Why do I need a dental insurance?

The statutory health insurance provides for dentures and dental treatment only a minimal supply. Statutory insured therefore receive only the cheapest execution (standard care), which is refunded only 50%. It remains a costly equity. If dentures are needed, a four-digit amount quickly comes together. With a dental insurance, the costs are reimbursed up to 100%.

How much does a dental insurance cost??

The DFV-ZahnSchutz base is already available from 10 euros per month. From 14 euros per month the DFV ZahnSchutz comfort is available. From 18 euros a month there is the DFV-ZahnSchutz Premium with 90% reimbursement. The DFV-ZahnSchutz Exclusive is from 20 € per month for 100% reimbursement.

Which dental insurance is the best?

Stiftung Warentest compared all existing tariffs in April 2019. With the best grade "very well" (0.5) was awarded the DFV Teeth Protection Exclusive 100 for the fourth time in a row test winner among 234 supplemental dental insurance. No other dental insurance was so often chosen test winner.

Which is the cheapest dental insurance?

The monthly fee for the tariff DFV-ZahnSchutz Basis already starts at 10 Euro *. * The reimbursement is 50% for all dental and orthodontic treatments. Insured persons receive 100% reimbursement of accident-related treatment even in the most favorable tariff.

What is insured with the dental insurance?

Everything, because the DFV-ZahnSchutz offers protection in all important areas of performance, where high costs can be incurred when visiting a dentist. This includes:

dental prophylaxis (eg professional tooth cleaning, fissure sealing)
dental treatments (eg periodontal treatment including oral mucosal transplantation, root canal treatments, plastic fillings, composite fillings, microinvasive caries infiltration, inlays, onlays and material and laboratory costs)
dentures (Crowns, bridges, prostheses, implant-supported dentures, functional and functional analytical services)
Dental implants
orthodontics (without age limits and for all KIGs)

For example, the repair of an existing dental crown or tooth filling is covered by our DFV ZahnSchutz supplementary dental insurance. In addition, with all anesthetic services (pain elimination measures), you have no upper limit and you receive 100% reimbursement after the accident, regardless of your tariff.

What is not insured with the supplementary dental insurance?

Your insurance cover is limited in rare cases. Therefore, there is no entitlement to insurance benefits in the cases described below:

at the time of application already diseased teeth,
at the time of application missing and not yet replaced teeth,
at application, already known or medically advised or already started treatments
non-applied teeth (absence of dental appliances)

Note: A tooth that has been treated for a previous illness and whose care has already been completed – the tooth is free of any treatment and complaints at the time the application is made is considered insured for later treatments.

Performance limits / tooth scale

The performance of the different variants (DFV ZahnSchutz Basis 50, Comfort 70, Premium 90 and Exclusive 100) is staggered in the first four years of insurance by the respective power limitation.

The insurance benefits amount per insured person:

dental Plan	first 12 months	first 24 months	first 36 months	first 48 months
Base	Max. 625 €	Max. 1.250 €	Max. 1,875 €	Max. 2,500 €
Comfort	Max. 875 €	Max. 1,750 €	Max. 2,625 €	Max. 3,500 €
Premium	Max. 1,125 euros	Max. 2,250 €	Max. 3,375 €	Max. 4,500 €
Exclusive	Max. 1.250 €	Max. 2,500 €	Max. 3,750 €	Max. 5,000 €

From the 5th insurance year as well as in the event of an accident and for prophylactic measures, the limitation of benefits ceases.

Why pay attention to dental prophylaxis / dental care?

Prophylaxis is dental prevention. Dentists recommend z. For example, to have professional teeth cleaning done twice a year to prevent dental disease and thus the need for dentures. The statutory health insurance companies do not participate in these costs.

With the DFV-ZahnSchutz Exklusiv you will receive € 200 per calendar year for your dental prophylaxis – no matter in which month your insurance cover begins.

KIG – what are orthodontic indication groups?

In orthodontics, a distinction is made between orthodontic indication groups (KIG). There are groups of 1-5. These define the type and degree of tooth or jaw malposition. At the same time, the groups determine if there is a medical need for orthodontic treatment. The higher the group, the more necessary is the orthodontic treatment (1 = low need, 5 = high need).

The treatment is subsidized in children only in part, if there is a malposition according to the grades KIG 3 to KIG 5. The DFV ZahnSchutz provides in all KIGs without age limit. In the case of adults, the statutory health insurance only pays off in the event of severe malpractice caused by injury.

What does GOZ and GOZ guarantee mean?

The fee regulation for dentists (GOZ) regulates the remuneration of dental services. All dental services that can not be billed via the statutory health insurance funds are billed via GOZ.

If a cash patient decides, for example, for high-quality dentures and against the standard care of the GKV, the different kind of care is billed via the GOZ. In addition, there are dental services that are generally charged by the contract dentist (cash dentist) in accordance with the GOZ such. As the Professional Dental Cleaning (PZR) or orthodontic services.

In the GOZ fee schedule, the services are assigned to specific numbers. These numbers are in turn assigned a score that reflects the effort of the dental service. The individual degree of difficulty of the concrete performance is additionally represented by the so-called sentence or factor. The amount of this increase rate is determined by the respective dentist. Thus, the cost of the same dental treatment may be different for different dentists.

If the dentist has to take special, beyond the usual extent beyond treatment measures, the fee can sometimes be calculated up to the maximum rate of GOZ (3.5 times). The DFV-ZahnSchutz reimburses the costs up to the maximum rate of the GOZ and offers a GOZ guarantee. We guarantee that newly added (as yet unknown) dental or orthodontic services are also insured. You will automatically benefit from medical progress in the future.

How much does a dental implant cost??

An implant with a ceramic crown costs between 2,000 and 3,000 euros. The fixed subsidy of the statutory health insurance covers only about 400 euros. Without additional dental insurance, own contribution of about 1,600 to 2,600 euros remains.

How much does a root canal cost??

The statutory health insurance pays the root canal treatment only if the tooth is classified as worth preserving. The average fixed subsidy then amounts to around 300 euros. The intrinsic part of the patient can amount to up to 500 euros for a root canal treatment.

Can I deduct my dental insurance from the tax?

An additional dental insurance can be deducted from the tax. It is specified in addition to the statutory health, long-term care and pension insurance as well as other insurance policies in the appendix “Vorsorgeaufwendungen”. However, the tax deductible costs of pension expenses are subject to an annual ceiling. This is 1,900 euros for employees and 2,800 for self-employed.