Eyewear insurance in comparison – what you have to look out for

Eyewear insurance compared – what you need to look out for

Eyewear can sometimes be very expensive, especially if special glasses are custom made for a pair of glasses. An average visual aid costs already around 350 euros, whereby the price of a pair of glasses by progressive lenses, chic designer racks and other extra wishes can quickly reach over 1000 euros. Nevertheless, many are afraid of additional glasses insurance back, it may be worth the additional insurance, because the statutory health insurance companies have to be financed privately except for individual cases.

When does the cash register take over glasses??

Since 2004, the statutory health insurance (GKV) is no longer responsible for the costs of glasses for adults. Excluded are patients with a certified severe visual impairment. Insured, who need to use a pair of glasses only for “comfort”, therefore, have poor prospects for the complete reimbursement by the cashier. Unfortunately, this often also affects sight defects such as myopia and hyperopia.

Excluded from this regulation are glasses for children and adolescents up to the age of 18 years: For them, the GKV assumes the cost of glasses.

For eyeglass wearers or patients with vision problems, we recommend that you first check whether the poor eyesight is strong enough for the health insurance company to contribute to the cost of the glasses. If not, you would have to pay as an insured first the full price of the glasses out of pocket. At this point a supplemental supplement may be useful. As with dental insurance, you should not be insured until you need it. Because a glasses insurance without waiting time can be significantly more expensive than the early one Additional insurance with waiting period until full insurance cover.

Ideally, you combine a dental and eyewear insurance. After all, almost every insured person will sooner or later have problems with their eyes or teeth. Therefore, a supplementary health insurance covering both fields makes sense. In comparison to the long-term costs for glasses and contact lenses, eye surgeries or dentures, the annual insurance premiums for supplementary insurance are favorable.

What exactly is a glasses insurance?

Dental and additional supplemental insurance: Many health insurance companies offer private additional insurance for their teeth and eyes

Eyewear insurance, often called eye insurance, is a private supplementary insurance, usually in the context of supplementary health insurance. As a rule, a glasses insurance covers all or at least part of the cost of a pair of glasses. There is not one glasses insurance, but a variety of benefits that differ from insurer to insurer in points such as the amount of reimbursement, the additional benefits and of course the contribution amount. You can find a clear eyewear insurance comparison and the best conditions below.

The most common eyewear insurance model is:

The insured pays a monthly contribution to the insurance company. For this, the costs for glasses, contact lenses or laser surgery are regularly reimbursed up to a certain price.

Example: Mr. Mustermann signs his private health insurance with his statutory health insurance. He pays a monthly amount of 15 euros and gets for every 2 years glasses worth up to 350 euros reimbursed.

In addition, some supplemental supplemental insurances offer some additional benefits, such as third party liability insurance or the reimbursement of medical expenses. Foreign health insurance is also conceivable in this context. However, it is important to inform yourself about the scope and scope of the additional services before concluding the insurance and to carefully read the fine print.

Who is worth a glasses insurance for?

Whether eye and eyewear insurance pays off or whether additional insurance would be more of a loss business for you must be calculated on a case-by-case basis. There are a few pointers that indicate how much supplemental supplemental insurance might be worth your while:

For whom a glasses insurance makes sense

In addition to the scheduled reimbursement of glasses costs can be claimed for some tariffs, the costs, if the Eyesight of the eyes demonstrably and significantly (eg by 0.5 diopters) worsened by the insured. In such cases, a good glasses insurance may be worthwhile.

The cost of damage to a pair of glasses is usually (unlike the cost of loss of glasses) also borne by the insurance. So who his glasses z. B. in sports wears or generally not very careful with her, for the insurance of the glasses could be worthwhile.

But even for eyeglass wearers, whose eyes do not deteriorate large and despite insurance carefully with their glasses, a glasses insurance can be useful: Because, who takes the regular reimbursement of insurance, has over time a variety of glasses and thus one Selection of different colors and designs.

Who does not need glasses insurance

For children and adolescents, as well as the visually impaired, to whom the statutory health insurance pays glasses, a private supplemental supplement is not worthwhile in most cases. The fact that the additional glasses insurance covers the costs of loss or theft is also rare. So if you lose your glasses often, you may pay for the glasses insurance without loss and theft benefits free of charge.

What should good glasses insurance cost?

A flat rate Price comparison for the glasses insurance There is no such thing, but the amount of the contribution depends on the insurance company, the type of service and the scope. In principle, however, the best eyewear insurance compares to the following: the more extensive the insurance, the higher the monthly insurance premiums. Also, any additional services can increase the price. Who can do without, should look for cheap glasses insurance, otherwise he pays for a service that he will never use.

The fact that since 2004 the purchase of glasses is a private matter, there is more and more Provider of eyewear insurance. This has advantages and disadvantages: The large insurance offer increases the competition and lowers the tariff costs, since many insurers want to reach new members with particularly favorable discount offers and offers. On the other hand, there is also a wide range of supplementary eye and eye insurance for the consumer, which makes it difficult to find the right insurance. Helps here the current eyewear insurance comparison 2018, that we have created for you:

The big eyeglasses insurance comparison 2018

The cheapest and best insurance for glasses start with our research on the eyewear insurance comparison 2018 with contributions from around 6 to 7 euros. But our comparison also shows that very little is covered with this cheap contribution. With many extensive additional services, the contribution amount can quickly reach over 100 euros.

Overview of possible supplementary insurance in our comparison to the glasses insurance:

  • Acceptance of contact lenses
  • Reimbursement of costs for laser surgery *
  • Treatment costs by naturopaths and costs for naturopathic treatment
  • Including dental insurance
  • Chief physician treatment
  • 1- or 2-bed rooms for hospital stays
  • international health insurance
  • Liability insurance
  • Co-payments for hearing aids

* On the subject Cost coverage for the eyes lasers, compare also our big guide eyes lasers as well as details and prices in the article eye lasers and costs and to questions concerning GKV and PKV compare the guidebook assumption of costs with the eye lasers by the health insurance.

Are costs of a laser OP taken over?

Laser surgery is now a common procedure for partially correcting or restoring vision. Especially for people who can not make friends with the wearing of glasses, an operative laser treatment may be useful. Our eyewear insurance comparisons show: For most supplemental eyewear insurance is full or pro rata Takeover of the costs for eye lasers Unfortunately only optional. In order to be protected, a powerful eye insurance makes more sense. Compare also the providers and conditions from our eye insurance Comparison 2018.

Glasses insurance providers compared

Each policyholder has their very own needs: In order to enable you to make a meaningful eyewear insurance comparison, we looked at the most popular insurers and the Stiftung Warentest test winner for eyewear insurance, including the basics of the offered rates and listed the most interesting providers in our comparison:


The Ergo Direct Insurance offers different tariffs for the glasses insurance: The basic tariff every 2 years 80% of the cost of glasses up to the amount of 200 euros. In addition, the basic tariff provides full coverage of the cost of services abroad and repatriation. The base rate is already available from about 4.08 euros. The comfort tariff covers every 2 years 100% of the cost of a visual aid up to the amount of 300 euros. In addition, there are some additional benefits such as proportional reimbursement of costs for natural remedies and other remedies as well as conditions coupled with the acceptance of various treatments. The extensive additional services, however, also result in the price of about 20.32 euros per month.


The German health insurance (DKV) offers you a rate that covers 80% of the cost of a pair of glasses every two years. In addition, there are possibly additional benefits such as grants for physiotherapy, massages, alternative healing methods, etc. The DKV tariff for glasses insurance is available from about 6,41 euros per month.

R + V insurance

The Glasses insurance of the R + V insurance subsidizes every 2 years a purchase of glasses with 100 euros (in other tariffs 200 euros or 400 euros). In addition, there are 100 euros per year for check-ups. The rate of R + V insurance is already available from around € 5.52 per month.

Barmenia Insurance

The Barmenia glasses insurance supports buying glasses with up to 300 euros every 2 years. There are also some grants or even complete reimbursements for naturopathic and health or medical services abroad. For a 33-year-old (s) this tariff would cost about 27.65 euros.

Nuremberg insurances

The Glasses insurance of Nürnberger Versicherung runs under the same conditions as the Barmenia: every 2 years 300 euros for new glasses. In addition, the Nürnberger supports laser processes every 5 years with up to 750 euros per eye as well as other additional services. The tariff of the Nurembergers is already available from about 9.12 euros without waiting. Health issues or a risk premium does not exist at the Nürnberger.


The Arag does not offer its own glasses insurance, however, the costs for a pair of glasses are also proportionally covered in the “outpatient supplementary insurance”. The tariff of Arag costs about 5,02 Euro per month.

The continental

Continentale’s additional insurance offers, such as eye and eye insurance, are tailored to individual requests.


Of the Debeka EA Plus tariff (Supplementary rate for outpatient services) is one of our comparative test winners in spectacle performance. Here, 90% of the cost of a pair of glasses up to a value of 1000 € are taken. There are also some additional services such as. Treatments by naturopaths or acupuncture treatments.


The Opticians Apollo-Optik chain does not offer any glasses insurance in the sense of the insurance companies mentioned above, but an insurance that protects the glasses against damage or loss. For glasses with a value less than 100 euros, the insurance costs once 10 euros. Up to the spectacle value of 750 euros, the model increases proportionally, from a value of more than 750 euros, the insurance costs a flat rate of 75 €.


The optician top dog Fielmann also has a “zero rate” called glasses insurance: The cost of a pair of glasses from the “zero rate collection” every 2 years fully taken. For eyewear with single-vision lenses, the tariff costs 10 € per year, for multi-intensity lenses the annual cost is 50 €. In addition, damage to the glasses will be repaired free of charge, otherwise the glasses will be replaced.

Rates of eyewear insurance in comparison

providers Performance for vision aids if necessary additional services costs
  • up to 300 euros
  • every two years
27.65 euros for a 33-year-old woman / man
  • up to 300 euros
  • every two years
  • Laser procedure (LASEK / LASIK) up to 750 Euro per eye every 5 years
  • Other aids, eg. B. wigs, insulin pumps, respirators or wheelchairs up to 300 euros
from 9.12 euros
  • 80% of the cost up to 200 euros
  • every 2 years
  • 100% for services abroad and sick repatriation
from 4.08 euros
  • 80% of the cost up to 200 euros
  • every 2 years
  • Foreign travel health insurance up to 3 months with 24-hour emergency call service
from 6,41 euros
  • 80% of the cost up to 155 Euro per year
  • 100% for remedies, massages, mud, physiotherapy
  • 50% for alternative medicine incl. Prescribed medication up to 260 Euro per year
from 5,02 Euro
  • 100 euros grant
  • every 2 years
  • 100 euros for check-ups
from 5,52 Euro
  • Individual conditions only on request
  • Insurance against loss or damage
  • Replacing or repairing the glasses in the event of damage or loss
The annual contribution is based on the cost of glasses:
  • 10 € for glasses up to 100, – €
  • 20 € for glasses up to 200, – €
  • 30 € for glasses up to 300, – €
  • 75 € for glasses over 750, – €
  • full cost assumption of glasses from the “zero-tariff-collection”
  • every 2 years
  • Replace or repair the glasses in case of damage
  • 10 € per year for single vision lenses
  • 50 € per year for multi-thickness lenses

The eyewear insurance comparison was thoroughly researched. Rates, prices and services are subject to change at any time. Therefore, ALL without notice.

How do I cancel a glasses insurance?

How to cancel your glasses insurance depends on the terms and conditions of your tariff. You should not disregard certain notice periods, because often the insurance contracts are automatically extended for another year, if they are not terminated in time. Otherwise, you might have to pay for insurance that you do not need or want.

Formally, usually a normal termination letter is sufficient. For some insurers, there are also forms or forms that you can use to cancel your glasses insurance. In order to achieve the termination of the glasses insurance quite certainly, the notice of termination should always be delivered by drop-in / registered mail and a notice of cancellation be required.

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