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.
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- Even with the cheapest treatment methods, insured patients have to pay extra. In addition, private services are usually not only more aesthetic, but also significantly better in terms of quality.
- When comparing dental insurance, pay particular attention to the service for all dental prostheses, as this is where the greatest costs arise when in doubt.
- Half of the children and adolescents need braces. For them, additional dental insurance with a focus on orthodontic services is particularly worthwhile.
While it used to be the pride of the German health care system, today it is the obvious “gap”: Kassenpatienten to get hardly any money for dentures. Almost everyone in their mid-40s needs one. The bill for this can easily be 2000 euros per tooth. The gaps in reimbursement literally fill private dental insurance.
They are often cheap, and just a few euros should provide services for a few thousand euros. To this end, it is often advertised that dental supplementary insurance can be obtained without waiting, even during treatment. Can everything be right? Our guide 2019/2020 clarifies the most important questions on the topic.
Whether dental insurance makes sense or not depends on the quality you want for your dentition and whether you can easily pay the necessary treatment costs in case of doubt.
This video from the Bavarian Radio shows a good summary of the costs of the different types of dentures.
1. What does dental supplement insurance pay for dentures?
With dentures, the health insurance companies pay about half the cost of standard treatments, i.e. the bare minimum.
1.1. Crown – made of ceramic
When the decision was made that the health insurance should be relieved, the crown was the first thing that was no longer available in dentistry without additional payment. Since then, there have been new developments and better materials. The special ceramic crown has found its way in.
Statutory health insurance still pays 112 euros at an average cost of 550 euros. That means approx. 440 euros remain open. Some of the supplementary insurance cover costs, but not all of them and not all of them.
1.2. Highest craftsmanship: implants
The implant is one artificial tooth root, on which a prosthesis or crown is placed. Implants are very tight and therefore last a long time. In addition, the surrounding natural teeth are protected when using implants. However, it is a private service. The GKV only pays the usual fixed allowance for dentures of around 430 euros. However, that is not enough for a long time.
- An implant costs 1,200 euros.
- If a bone structure is required for this, it costs another 800 euros.
- The necessary crown, which still has to be put on, is not yet included. In this combination, this is more expensive than a simple crown and devours another 700 euros.
Together, this results in expenses of 2,700 euros per tooth. The protection of private insurance companies is very different here. Many assume 90% of the open amount for implant and bone augmentation. But especially with the very cheap tariffs, people often don’t pay here.
1.3. Well filled – inlays and plastic fillings
Very high quality, Solid dental fillings are called inlays and usually have to be specially made in the laboratory. Gold costs between 280 and 380 euros, ceramics 350 to 500 euros. Supplementary insurance often pays around 90% of the uncovered amount. If an inlay falls out, the private supplementary health insurance must pay even if the treatment was carried out before the contract was concluded.
Since the cash registers only pay for the heavily criticized amalgam filling, that is between 25 and 50 euros per tooth.
Plastic fillings, which GKV takes over for the front teeth, are cheaper than inlays and still better than amalgan.
|implant||€ 2,700 implant + crown|
2. Professional teeth cleaning
It is recommended, two times a year to have professional teeth cleaning (dental prophylaxis) carried out. During the approximately one-hour treatment, i.a. Remove harmful deposits from the teeth and between the teeth and apply a fluoride gel as a protective film to the teeth.
Dental propylase costs between 60 and 150 euros and is not part of the compulsory catalog of the legal. Some insurance companies such as Techniker Krankenkasse or AOKs subsidize intensive cleaning once a year with around 40 euros. A dental policy states that 100% of this is to be paid, whereby the maximum initial payment per year is so highly capped that ultimately only half of the costs are borne. Only the Inter really pays everything from our computer.
Given the much higher cost of other dental treatments, prophylaxis can from a cost perspective but also neglected become.
For adults, the health insurance only pays in the case of very serious jaw misalignments. Otherwise you stay for one braces on several thousand euros sit. Even private insurers do not want to incur expenses and only reimburse up to a maximum if they pay for adults at all. Arag, for example, pays a maximum of € 1000 per adult for a contracted adult.
If the doctor ascertained the deformities in the jaw before the insurance was taken out, the insurance company does not pay anything for the corresponding treatments.
But even or especially if you take out supplementary dental insurance for the child, particular importance should be attached to orthodontic services, as explained in the next chapter.
4. Additional dental insurance for children
The health check
Before final awards are set, applicants must answer a number of health questions. One of the questions asked is whether it already exists Teeth are missing or whether you look at it periodontitis (Gum inflammation) ill is. Sometimes it is also required that a dentist still have a Assessment created for the current condition of the bit. This is more likely to happen to older applicants. There are also dental supplements without health issues, e.g. by Ergo and the Munich Association. These are logically more expensive.
Required until the 18th birthday treatments for orthodontists every second child.
The health insurance only pays from the 3rd severity and then usually only 80%. Are the upper and lower incisors, for example, edge to edge, so if one slight cross bite is still available nothing taken over. Corrections that lead to the result faster or are more beautiful will not be reimbursed, nor will retainers that fix the treatment result in the long term.
The dental insurance in our calculator are also intended for children. If you do not have to pay for dentures, which is usually not necessary for children and adolescents, the policies are already for less than 10 euros a month to have. Unfortunately, the providers do not make their orthodontic services easily recognizable. When you request an offer, pay particular attention to the maximum reimbursement limits, deductibles and on the services for which the private insurance actually works outside the cash register area.
Here too, the insurance should not only be taken out if problems with the jaw have already been identified. So can already at the beginning of primary school Dental supplementary insurance may make sense, since many interventions for the dentition are made for nine and ten year olds.
Health starts in the mouth: poor oral hygiene can cause pneumonia because the bacteria quickly go to the respiratory tract. This was the result of a study by the University of Barcelona. Another study suggests that periodontal disease favors calcification of the arteries by triggering inflammatory processes.
5. Dental supplementary insurance in the test
5.1. Investigation of Stiftung Warentest
Finanztest checked 209 dental supplementary insurance in November 2016. The daughter magazine of Stiftung Warentest rated only the Denture benefits, without considering the amount of the contributions. Particularly cheap dental insurance policies therefore did not receive good grades.
The comparison winner of the dental supplementary insurance was the DFV with the tariff "Zahnschutz Exklusiv", which also took one of the last places with "ZahnschutzBasis".
Overall cut 66 tariffs very good from. Among others, better than 1.3 from HanseMerkur the products EZ + EZT (+ EZP), two tariffs from Ergo, ZAB + ZAE + ZBB (+ ZBE) and Dent Premium-U from Axa.
5.2. Dental insurance comparison of Eco test
Examined in October 2015 Eco test 65 tariffs and rated based on one Musterrechnung for medically necessary treatments. After the subsidy from the health insurance companies for comprehensive dentures and treatments, the model patient remained at just under 5,600 euros.
The test was now about how much of the supplementary insurance cover. 6 insurance products took 1st place. The Compare winner of the dental insurance were the Bavarian with the tariffs "VIP Dental Prestige" and "Dental Comfort", likewise with 2 tariffs the Inter, Janitos and the Debeka.
Here too, the Contribution levels not taken into account.
6. Savings are possible even without an additional policy
Prevention is cheaper and less painful than any necessary treatment on the tooth. Anyone who follows simple tips on oral hygiene, i.e. cleaning 2-3 times a day with a certain waiting time for the last meal, using dental floss and an electric toothbrush and not consuming too many juices and soft drinks, is half the battle.
We also advise you to Bonus booklet with your health insurance respectively. If you go to the control twice a year, you will later receive significantly higher subsidies from the health insurance company in case of doubt.
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