Dental dental insurance for braces: Top 10 tariffs comparison & test
Braces are used to correct misaligned teeth or jaws, thus preventing pain and restricting chewing or speaking. About every second child in Germany needs orthodontic treatment and braces are not uncommon even in adulthood. In childhood, the health insurance company pays a large part of the costs for medically necessary treatments, as long as they are within the standard care. From the age of 18, however, she no longer pays. For this reason, some dental insurance companies also include orthodontics as a service component. This component is particularly important for dental insurance for children.
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Supplementary dental insurance for braces – the top 5 tariffs
In the following figure, we have shown the best 5 tariffs for orthodontics (orthodontics) and braces in a table. The individual reimbursement rates for the orthodontic area, the monthly contribution for a sample person (8 years) and the overall grade achieved can be found in the test.
|collective name||Reimbursement rate orthodontic||grade||monthly contribution|
|Exclusive German family insurance for dental protection||100%||1.0||€ 20.00|
|Munich Association 571 + 572 + 573 + 574||90%||1.0||€ 13.89|
|Insurance Chamber Bavaria ZahnPRIVAT Premium||90%||1.1||€ 19.79|
|Allianz Dental Best||90%||1.4||€ 15.56|
|Signal Iduna tooth top pure||90%||1.5||€ 9.54|
The reimbursement rate for orthodontics (KFO) listed here does not necessarily say anything about the range of services for the various types of braces. Click on the tariff name for a precise insight into which treatment measures are covered and which are not. On the tariff detail page that is then controlled, are under "Details on orthodontics" the tariff values are documented and understandable. For example, while the Stiftung Warentest Sieger Deutsche Familienversicherung ZahnSchutz Exklusiv insured all treatment measures in the orthodontic area with a reimbursement rate of 100 percent, the Signal Iduna tariff Zahn Top pur lacks points such as reimbursement for retainers, lingual technology or Invisalign therapy. It is therefore important to go into the details of the optimal dental supplement insurance for braces in order to find the right tariff. All services in detail are shown on the following linked tariff pages:
Where are the limits?
Most insurance companies set limits on the reimbursement amount per insured event or for the entire term.
Which services are excluded?
If braces have already been advised or teeth are under observation due to malpositions, dental insurance for braces no longer pays.
Why is dental insurance useful for braces??
Orthodontic treatment is usually associated with high costs. While the statutory health insurance company pays up to 80 percent of the costs of medically necessary treatment in childhood, it no longer pays in adulthood. But even in childhood and adolescence, braces are only worn by the health insurance if there are pronounced to extreme malpositions. This corresponds to the orthodontic indication groups (KIG levels) 3 to 5. Corrections of minor malpositions and special services are not included in the insurance cover.
Protecting yourself from the costs of additional treatment helps with private dental insurance, which also covers orthodontics. The monthly contributions to these tariffs are often not significantly higher. For children in particular, it is therefore worthwhile to take out a tariff that provides good benefits in this area.
In some cases, private dental insurance also covers the costs of orthodontic therapy in adulthood.
The following figure shows the comparison of a tariff with orthodontics (ARAG Z90 Bonus) and a tariff without orthodontics (Barmenia ZGU +) using the example of a 30-year-old insured person.
|Services||Dental insurance with orthodontic||Dental insurance without orthodontics|
|dentures||90% (80% without bonus booklet)||85%|
|teeth cleaning||120 € p.a..||€ 85 p.a..|
|orthodontics||80% (1000 € to unlimited) *||No performance|
|waiting period||8 months||8 months|
|total limits||5000 € in 5 years||5000 € in 5 years|
|Monthly contribution||€ 18.78||€ 18.74|
* With the ARAG Dental Pro Z90Bonus tariff, the reimbursement for orthodontics depends on the classification in the individual jaw indication groups (KIG). If you are classified in KIG 1-2, the reimbursement rate of 80 percent applies indefinitely. The same reimbursement rate applies for placement in KIG 3-5. However, with a maximum reimbursement of 1000 euros over the entire term.
What should a good tariff for braces include??
First, when looking for a tariff for braces, you should pay attention to the services in the field of orthodontics. Few providers also cover orthodontic treatments in adulthood. This includes, for example, the DentalPro Z90 tariff from ARAG.
Good services are particularly characterized by a high reimbursement ratio of 80% to 100% of the invoice amount and low benefit limits (see next section).
The reimbursement component of an insurance policy often differs depending on the KIG classification. Accordingly, care should be taken to ensure good performance for both minor and severe malpositions.
Many providers also provide special services in their scope of services that the statutory health insurance does not offer. These include, for example, ceramic brackets, invisible braces, but also special function-oriented diagnostics.
Before concluding the course, prospective customers should also inform themselves about the other services of the chosen tariff. For example, children benefit from a tariff with good dental care services, while adults should pay attention to extensive services in the field of dentures.
What are the limits of braces insurance??
Tariffs for braces are also subject to performance limits. Most of these differ from the general benefit limits of an insurance company. Many providers limit reimbursement to 1,000 to 4,000 euros per insured event or per insured person. It is not uncommon for the amount of these benefit limits to depend on the complexity of the malposition (KIG levels) or the age of the insured. In addition, many providers limit their services to people before the age of 18.
Finally, some tariffs require a waiting period of up to 8 months before reimbursing the costs in the event of treatment. However, many premium tariffs waive this waiting time.
What to do if treatment has already been advised?
If the correction of a malposition has already been advised or teeth are under observation, private supplementary dental insurance no longer pays. It is therefore advisable to take out dental insurance for braces at an early age so that the insurance costs are borne by them. In addition, before taking out insurance, it is worth asking the dentist whether they have already documented any necessary corrections, as parents are often not aware of this.
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