Supplementary dental insurance for missing teeth: tariffs in comparison & test
Loss of a tooth is not uncommon even in younger years. Teeth are often lost due to tooth decay, tooth root inflammation, accidents or gum disease. However, a missing tooth can become an obstacle when looking for private dental insurance, because some insurers sometimes ask for missing teeth in the insurance application and may refuse prospective customers or at least exclude the affected teeth from the benefit. Nevertheless, additional dental insurance can also be taken out for existing tooth gaps. More and more tariffs provide for the possibility of co-insurance for missing teeth that have not yet been replaced. However, there are a few points to consider when taking out dental insurance for missing teeth.
Table of Contents
Top 10 dental supplement insurance tariffs for missing teeth
The following figure shows the 10 best supplementary dental insurances with teeth that are already missing. In addition to the tariff name, you can find the secured level of benefits, the overall grade achieved in the test and the number of missing teeth up to which insurance can be taken out.
| collective name | hedging level | insurability | grade |
|---|---|---|---|
| The Bavarian ZAHN Prestige | 100% | up to 3 missing teeth | 1.0 |
| Württemberg ZE90 + ZBE | 90-100% | up to 4 missing teeth | 1.1 |
| ARAG Dent100 | 90-100% | up to 3 missing teeth | 1.1 |
| ARAG Dent90+ | 90-100% | up to 3 missing teeth | 1.1 |
| Halle GIGA.Dent | 90-100% | up to 3 missing teeth | 1.1 |
| ZahnPRIVAT Premium Insurance Chamber | 90-100% | up to 3 missing teeth | 1.1 |
| Württembergische ZG70 + ZB + BZG20 | 90-100% | up to 4 missing teeth | 1.1 |
| AXA DENT Premium-U | 90-100% | up to 3 missing teeth | 1.4 |
| Allianz Dental Best | 90-100% | up to 3 missing teeth | 1.4 |
| Signal Iduna tooth top pure | 90% | up to 3 missing teeth | 1.5 |
With the tariffs shown above, the tariff conditions change in different ways if teeth are missing before the contract is signed. For some, a premium surcharge is charged for each missing tooth. In the case of others, up to one missing tooth is also insured without changes in the conditions, and if there is more than one missing tooth, the so-called tooth scale adapts (lengthens). This information is under the point "Generally", shown on the individual tariff detail pages. All services for the ten tariffs shown above are listed in detail on the respective tariff pages. These are linked below:
The top 5 supplementary dental insurance for missing teeth without waiting
In Table 2 below, in addition to Table 1, we have listed the top five supplementary dental insurance policies for missing teeth without waiting. All five tariffs can be concluded with up to 3 missing teeth – with the ZE90 + ZBE tariff from Württembergische Versicherung even up to 4 missing teeth. The missing teeth are also insured. Either a premium surcharge per tooth is charged for them (ARAG and Insurance Chamber Bavaria) or an extended tooth scale (sum limitation) is used for a certain number of missing teeth.
| collective name | hedging level | waiting period | Monthly contribution |
|---|---|---|---|
| The Bavarian ZAHN Prestige | 100% | no waiting time | € 25.00 |
| Württemberg ZE90 + ZBE | 90-100% | no waiting time | € 34.37 |
| Halle GIGA.Dent | 90-100% | no waiting time | € 23.90 |
| ZahnPRIVAT Premium Insurance Chamber | 90-100% | no waiting time | € 26.85 |
| ARAG Dent100 | 90-100% | no waiting time | € 37.36 |
Among the five tariffs shown is the ZAHN Prestige tariff from the insurance company Die Bayerische, also one of the two Stiftung Warentest / Finanztest test winners from 2018. With a grade of 0.5, the tariff with the ZahnSchutz Exklusiv was awarded to the German Family insurance ranked first in the test. All services of the five tariffs listed above can be found in detail on the individual tariff pages. These are linked among others in the text above, under Table 1, and can be reached directly from there.
Where are the limits?
Very often the maximum number of insurable missing teeth is limited to 3.
Which services are excluded?
The basic requirement for the co-insurance of missing teeth is that the replacement of these teeth has not yet been advised, planned or started.
Is dental insurance possible even with missing teeth?
Yes, people who already have teeth missing (or have gaps in their teeth that are supplied by removable dentures) may have two options to take out private dental insurance.
On the one hand, a tariff can be chosen that avoids health issues in the application and thus also allows insurance to be taken out if the tooth status is defective. However, these tariffs almost always preclude a later replacement of the existing tooth gaps and are therefore only of interest to people who in no case strive for a tooth replacement for teeth that are already missing.
That is why it often makes more sense to take out dental insurance that provides a way to co-insure missing teeth. This is possible up to a certain number of missing teeth with many providers.
What are the advantages of a missing teeth tariff??
With a tariff that enables the co-insurance of missing teeth, the dental supplementary insurance reimburses the costs for the dental prosthesis of the already missing teeth if this should become medically necessary at a later date (and was not advised when the insurance was taken out!).
The following figure shows the cost of dentures for a tooth that is already missing. All this with a tariff without missing teeth co-insurance (SHI benefit) compared to a tariff with missing teeth co-insurance (e.g. Allianz DentalBest).
| tariff | total cost | Tariff d. fail. Teeth vers. | normal tariff / SHI |
|---|---|---|---|
| dental bridge | 1800 € | € 330 (SHI) + € 1290 (ZZV) | 330 € (SHI) |
| implant | € 3000 | 330 € (SHI) + 2370 € (ZZV) | 330 € (SHI) |
With a tariff that does not insure any teeth that were missing before the start, there is a deductible of 1470 euros for a dental bridge and 2670 euros for an implant. However, if the insured person is insured through a tariff such as Allianz Dental Best, the deductible is significantly reduced in both cases. For the dental bridge at 180 and for the implant at 300 euros.
There are disadvantages to a missing teeth tariff?
Since co-insurance of missing teeth is associated with higher costs for insurers, this usually affects the conditions of the tariff.
Many dental insurance companies therefore require risk supplements in the form of a fixed amount for each missing tooth, which is added to the monthly contribution.
Other insurers adjust the initial benefit limits (tooth scale). On the one hand, an extension of the period in which the benefit limits apply can be specified, on the other hand, a reduction of the maximum reimbursement amounts (total limits) per year is also possible.
The following figure shows the risk surcharges for missing teeth using the example of the Allianz Dental Best tariff for a 30-year-old insured person.
| Missing teeth (at graduation) | monthly fee |
|---|---|
| 0 | € 21.92 |
| 1 | € 27.32 |
| 2 | € 32.72 |
| 3 | € 38.12 |
As can be seen, the alliance Dental Fee charges a risk surcharge of 5.40 euros per missing tooth.
Reduced maximum reimbursement as a tariff adjustment
Another means that insurance companies use if teeth are missing before the start of the contract in order to minimize their own risk is the reduced sum limit in the first years after the start of insurance. The following table shows this using the example of the GIGA.Dent tariff of Hallesche health insurance.
| calendar year | No missing teeth | At least 1 failed. tooth |
|---|---|---|
| 1 year | 1000 € | € 250 |
| 1.-2. year | € 2000 | € 500 |
| 1st-3rd year | € 3000 | € 750 |
| 1st-4th year | € 4000 | 1000 € |
| 1st-5th year | € 5000 | € 1250 |
| from 6th year | unlimited | unlimited |
As the table shows, there is a sharp reduction in the maximum reimbursement for potential dental prosthesis measures. A missing tooth, for example, also includes a tooth gap provided with removable dentures.
What needs to be considered when taking out dental insurance if teeth are missing?
First of all, it is important to note whether missing teeth can already be insured with the relevant tariff and whether they are not explicitly excluded from the benefit. It is particularly advantageous if dental insurance also takes care of the supply of implants.
The basic requirement for the inclusion of missing teeth is that their replacement was neither advised nor planned nor started when the insurance was taken out, so the insured event must not yet have occurred. Otherwise these teeth are excluded from the service. If possible, dental insurance should be taken out early, before tooth damage occurs.
What are the limits of missing teeth insurance??
Many dental insurance companies limit the maximum number of missing teeth to be insured to 3 (in exceptional cases up to 
teeth.
In addition, all providers have performance limitations in the first 4 to 5 years. These determine the maximum reimbursement amount per year. If missing teeth are included, this amount may be reduced or the benefit limits extended.
Finally, for many tariffs, there is usually a waiting period of 8 months after the contract is concluded before the insurance cover comes into force.
What to do if treatment has already been advised or started?
All regular tariffs do not apply if the treatment of missing teeth has already been advised or started.
An exception is the Ergo Direkt tariff replacement immediately:
Ergo direct
Monthly fee: 33.90 € (over 21 years)
This tariff also applies to treatments that have already been advised or even started. It can therefore be seen as a kind of "emergency option". There is no waiting time and no performance restrictions. However, this dental insurance only doubles the fixed subsidy of the statutory health insurance in the event of a benefit, so that usually a high own contribution remains with the patient. In view of the high monthly contributions, the minimum contract term of 2 years and the comparatively low benefit, however, it should be checked carefully whether it is worth concluding this tariff.
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