Supplementary dental insurance (only for dentures): Top 5 tariffs in comparison & test
Since high-quality dentures are associated with very high costs, they represent the central component of most dental insurance policies.
If you want to protect yourself against high costs for dentures, you don’t necessarily have to resort to an all-round premium tariff. A tariff that limits its services to the dentures module can also provide good conditions in this area. Since these tariffs do not include additional services, such as dental treatment or professional tooth cleaning, they are characterized by significantly lower monthly contributions.
Table of Contents
The best 5 dental supplements only for dentures
There are individual insurance companies that offer so-called modular tariffs, through which individual service components can be secured. Thus, the pure protection of the dentures service component is also possible. Below, we have shown the best five tariffs for dentures in a table. In addition to the reimbursement rate for dental prosthesis measures, the current waiting period and the monthly contribution for a 30-year-old person to be insured are also shown.
| collective name | Service for dentures | waiting period | Monthly contribution |
|---|---|---|---|
| DKV KDTP100 | 100% | 8 months | € 24.81 |
| Württemberg ZE90 | 90-95% | No waiting time | € 24.90 |
| Munich association 571 | 90% | No waiting time | € 5.50 |
| ERGO Direct ZAB + ZAE | 90% | No waiting time | € 8.40 |
| Inter Z90 | 75-90% | No waiting time | € 9.00 |
The five tariffs shown in Table 1 focus primarily on the field of denture measures. Only the two tariffs of the DKV and Württembergische ensure a few other services. For example, with the DKV KDTP100 tariff, plastic fillings are covered with 100 percent, and with the ZE90 tariff from Württembergische Versicherung, insured persons also receive benefits for prophylactic measures. All other tariffs secure purely denture measures. This primarily includes reimbursements for high-quality dentures, such as all-ceramic crowns, implants or inlay fillings made of gold or ceramic. The tariffs are linked below, since all services can be found in detail on the respective tariff pages:
Where are the limits?
In the first years after graduation, the total benefit for dentures is subject to so-called sum limits.
Which services are excluded?
Additional dental insurance does not cover treatments that have already been advised, planned or started.
What exactly is dentures and what are the options??
The possibilities to replace a sick tooth range from simple, removable dentures to complex dental implants that are permanently anchored in the jawbone.
While removable dentures are usually easy to care for, they are usually accompanied by limitations in terms of comfort and durability.
Fixed dentures, which include crowns and bridges in addition to implants, offer some advantages here. On the one hand it looks confusingly similar to natural teeth, on the other hand it is characterized by long durability and high functionality. Due to the higher treatment effort, however, it is also associated with significantly higher costs.
So-called combined dentures offer an interim solution with good results. For this purpose, a removable denture is firmly anchored in the dentition using fixed dentures.
Forms of dentures – an overview
In the following tables, we would like to give an overview of the different types of dentures. Four different forms are examined on the basis of nine different characteristics and individually presented clearly in tabular form. These are the following nine points, which are examined in all of the denture forms shown:
- benefits
- disadvantage
- durability
- aesthetics
- functionality
- Total cost of a tooth (cost)
- Fixed subsidy from the health insurance company (SHI subsidy)
- Excess without dental supplement insurance (SB without ZZV)
- Excess with dental supplement insurance (self-service with ZZV)
Dental prosthesis (partial denture)
The dental prosthesis, in the form of the partial prosthesis, represents our first form of care, which is analyzed on the basis of the examination characteristics set out above.
| characteristic | Result |
|---|---|
| benefits | Inexpensive, easy to maintain |
| disadvantage | Bone regression, often adhesion problems, less stability, pressure points, remaining teeth are stressed more |
| durability | Limited |
| aesthetics | Rather unsatisfactory |
| functionality | Partly unsatisfactory |
| costs | 500-1000 € |
| SHI grant | € 340-442 |
| SB without ZZV | € 100-600 |
| SB with ZZV | € 50-100 |
As Table 2 shows, the points of aesthetics and functionality in a partial prosthesis are particularly unsatisfactory. The shelf life is also very limited and, among other things, bone regression, low stability, adhesion problems and pressure points often occur. The advantages can be clearly identified in the comparatively low costs and the simple cleaning.
Dental crowns (all-ceramic)
In the following, the examination for the form of restoration of a dental crown made of all-ceramic is carried out. It is particularly interesting here whether this shape is more convincing in terms of aesthetics and functionality.
| characteristic | Result |
|---|---|
| benefits | Limited cost and treatment effort, good for caries damage |
| disadvantage | Carrier tooth must be ground down, only possible if the tooth root is intact |
| durability | Very long (20 years) |
| aesthetics | Like "real teeth" |
| functionality | Very good |
| costs | € 550-800 |
| SHI grant | € 150-200 |
| SB without ZZV | 300-600 € |
| SB with ZZV | 30-60 € |
Table 3 shows a very positive picture for the restoration of a tooth with an all-ceramic crown. Not only the aesthetics and functionality, which were so poorly received in the previous restoration (denture), are very good characteristics. The cost factor is also very positive.
Dental bridges (fully veneered)
The third type of restoration for our analysis is the restoration with a fully veneered dental bridge. The known characteristics are also examined for them and the characteristic values documented in table form.
| characteristic | Result |
|---|---|
| benefits | Somewhat cheaper than implants, optically and functionally good results |
| disadvantage | Neighboring teeth are ground down, incorrect loading of the neighboring teeth, bone regression |
| durability | Long (15 to 20 years) |
| aesthetics | Mostly good results |
| functionality | Usually good |
| costs | 1440-2100 € |
| SHI grant | 336-437 € + 51-66 € (facing) |
| SB without ZZV | 1000-1600 € |
| SB with ZZV | € 140-210 |
The fully veneered dental bridge is a little worse than the all-ceramic crown. Even if both types of restoration are suitable for a different type of tooth defect. The costs are comparatively high and mostly good results are achieved aesthetically and functionally.
The dental implant supply
As the last object to be examined, we turn to the dental implant. This form of restoration is one of those that are most similar in functionality to a natural tooth. The following results will show whether the results reflect the positive general picture that prevails about dental implants.
| characteristic | Result |
|---|---|
| benefits | Function like natural tooth, physiological bone load |
| disadvantage | High costs, possibly prior bone building necessary, care very important |
| durability | Very long (20 years) |
| aesthetics | Like "real teeth" |
| functionality | Very good |
| costs | 1850-3500 € |
| SHI grant | 336-437 € + 51-66 € (facing) |
| SB without ZZV | € 1400-3000 |
| SB with ZZV | € 180-350 |
The dental implant impresses with its very good properties, particularly when it comes to aesthetics and functionality. Only the issue that sufficient bone substance must be present to anchor the implant firmly in the jaw bone in order to provide stability and support is often a challenge. In these cases, the bone substance must be built up in advance before the implant is inserted.
What are the advantages of a tariff only for dentures?
Since a tariff only restricts its services to the essentials for dentures and does not provide for dental treatment, orthodontics or dental care, the provider can offer its tariffs at significantly lower prices. The following table 6 shows the benefits and costs of a dental supplement insurance top tariff only for dentures (KDTP100) and a premium tariff (KDTP100 + KDBE) of the DKV using the example of a 30-year-old insured person.
| tariff | DKV KDTP100 | DKV KDTP100 + KDBE |
|---|---|---|
| teeth cleaning | 0% | 100% (€ 150 p.a.) |
| dental treatment | 0% | 100% |
| dentures | 100% | 100% |
| orthodontics | 0% | 100% (max. € 1500) |
| power limitations | 1800 € in the first 3 years | 1800 € in the first 3 years |
| waiting period | 8 months | 8 months |
| Monthly contribution | € 24.81 | € 34.65 |
As shown, the combination with the tariff module KDBE ensures services for the areas of dental treatment, prophylaxis / tooth cleaning and orthodontics (children). The price difference is about 10 euros compared to the single component KDTP100.
What should a good tariff for dentures include??
When choosing the right tariff only for dentures, the following points are particularly important:
- High reimbursement rate: In the event of an insurance claim, dental supplementary insurance should reimburse at least 80 to 100 percent of the actual costs, i.e. the invoice amount minus the fixed subsidy from the health insurance company.
- Power limitations: At the beginning of the insurance period, all insurance companies provide for limits on their benefits in the form of total limits. Adequate height should be ensured with regard to dentures. 3000 to 4000 euros in the first 4 years are considered optimal.
- Waiting period: Some dental insurance policies initially provide a waiting period of up to 8 months after the contract is concluded before they provide any benefits. Especially for older people or if dental treatment is already foreseeable, it is worthwhile to look for a tariff that waives such a waiting period.
- Reimbursement of implants: Implants are considered the most expensive form of denture. Accordingly, private dental insurance should reimburse them and should not provide any limits.
- Coinsurance of missing teeth: Some supplementary dental insurance policies allow you to co-insure a limited number of missing teeth if their replacement has not yet been advised. A higher monthly fee is often charged.
- Special services: With regard to dentures, some dental insurance companies offer additional services. In addition to general anesthesia during implant care, this also includes costly bone reconstruction and special diagnostic measures.
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