The best supplementary insurance for dental prostheses

Many consultations begin with the question of which supplementary insurance would be the best. I often hear that the insurance should provide as much as possible and cost as little as possible – unfortunately, both do not work at the same time. Those who would like to have a dental supplementary insurance with the best benefits will tend to have to pay more for it. We have compared the best tariffs in a dental supplementary insurance comparison for you.

It does not always have to be the comfort supplementary insurance

Those who limit themselves to the topic of dental prostheses may not have to spend 50, 60 or 70 euros per month. Some people may not attach any importance to comfort services such as professional tooth cleaning or services for root canal treatment. Who looks for a pure addition insurance for dental prosthesis, tariffs with very good achievements already get for less money.

Which supplementary insurance offers the best benefits for dental prostheses? We would like to deal with this topic today. It is also not about the best price-performance ratio, but about which provider offers a pure supplementary insurance for dental prosthesis with the highest possible reimbursement. Below is a chart with a comparison of the top 4 dental prosthesis insurers from my point of view.

Top 4 – the best supplementary insurances for dental prostheses

Let’s look at the 4 selected supplementary dental insurances in detail:

DKV KDTP100 – 100% without ifs and buts

The DKV KDTP100 offers with its new top tariff probably the most powerful pure tooth replacement tariff. The performance is independent of the bonus booklet and generally amounts to 100% (with proof of a GKV advance performance, without proof GKV advance performance 30% deduction). In addition to dental prostheses, the KDTP100 also provides 100% performance for plastic fillings. The contributions are calculated without ageing reserves – for younger people the entry fee is still relatively cheap – for older people the tariff is comparatively expensive – but it has to be if the benefit for implants, inlays, crowns and co. is to be 100%. Stiftung Warentest gave the tariff a rating of 0.6 “Very good”. Up to 3 missing teeth can be insured against surcharge.

Hallesche dentZE.100 – up to 100% power possible

Hallesche has also recently revised its range of tariffs for dental prostheses. It offers various modules that allow the insured person to individually put together the desired insurance cover for dental prosthesis, prophylaxis and dental treatment. The pure tooth replacement auxiliary insurance Hallesche dent.ZE100 can be locked thereby solo . Who can prove by means of bonus booklet over 10 years gapless tooth precaution, receives 100% refund with the Halleschen for tooth substitute, presupposed the GKV furnishes a Vorleistung (without Vorleistung 50% departure). The contributions are very favorable for young humans due to the missing aging reserves – in the higher age the contributions rise noticeably, are however nevertheless favorable e.g. in the comparison with the DKV. Stiftung Warentest rates Hallesche in the dental supplementary insurance test as “very good” with a score of 0.7. Up to 3 missing teeth are also insured, but only under agreement of a severely limited scale of teeth during the first 5 years (max. 250 euros per year).

Württembergische Z1 – the Classic

In nominal terms, the Württembergische pays “only” 90% in tariff Z1 – in contrast to most other providers, however, the Württembergische does not deduct the fixed subsidy of the GKV from the benefit, but this is added – so in most cases 100% total benefit can be achieved even with high-quality dental prostheses. The Württembergische offers with the tariff Z1 (consisting of ZGU70 + BZGU20) an excellent dental prosthesis insurance. The premiums are traditionally calculated with ageing provisions for younger people, the tariff is therefore somewhat more expensive than the competition without age provisions, but especially for older people the tariff is relatively favourable. Up to 2 missing teeth are insurable with the Württembergische without surcharge and other disadvantages.

R+V Z1U – without waiting time, without health check, high dental relay

The R+V offers with the tariff Z1U a very high-quality additional insurance for dental prosthesis with “solid” 90% incl. GKV. Why the tariff is one of the “best” depends on the boundary conditions. The R+V does not carry out a health check, i.e. even people who already have a lot of crowns, bridges or missing teeth can insure themselves here (although there is no insurance cover for unplaced gaps in their teeth). The R+V pays without waiting time – moreover the R+V has during the first 4 calendar years a comparatively very high performance scale with a total reimbursement potential of up to 10,000 euros – the tariff is ideal for people who already have many older crowns or bridges, which may have to be renovated in the future. However, one must not hide the fact that the tariff has seen strong premium increases in recent years and is now one of the most expensive on the market. Stiftung Warentest gave the Z1U a rating of 1.1.

Supplementary dental insurance Finanztip – criticism because of surreptitious advertising

The consumer portal Finanztip was condemned before the OLG Dresden because of misleading to refer consumers more clearly to its business model.

The portal had to be advertised as “advertising-free”, but is financed by recommendation commissions from insurance companies and comparison portals such as Check24 and Verivox. The Hessian gas supplier Bürgergas GmbH had sued.

Dentures cheaper in the East – Barmer Dental Health Atlas 2019

According to the current dental health study 2019 of the Barmer health insurance company, patients in the old federal states pay more for dental prostheses than in the east. In addition, a strong urban-rural divide can be observed. For the most recent study, the data of around 9.4 million insured persons from 2017 were evaluated.

Over 16 million Germans have supplementary dental insurance

In 2018, supplementary dental insurance will continue to be in vogue. According to recently published figures from the PKV Association, the number of policies taken out last year rose by around 343,000 (corresponding to an increase of approximately 2.2 percent).

This is the first time that more than 16 million Germans have taken out supplementary dental insurance. The trend towards private provision thus remains unbroken.

76 of 234 additional dental insurances tested according to “Very Good” financial test

In recent years, Stiftung Warentest has revised its test for dental insurance approximately every 2 years. After 2018, we were therefore somewhat surprised to see that it was time again in May 2019.

The results are similar to those of previous years: 76 out of 234 tariffs tested are “very good”. Stiftung Warentest also mentions particularly favourable offers.

What is supplementary dental insurance for?

Many people wonder why they actually need supplementary dental insurance. The answer is actually simple: the statutory health insurance offers only small subsidies for dental prostheses, which are calculated on the basis of the so-called standard care.

Those who value a good restoration of their teeth (e.g. implants, etc.) and do not want to bear the high costs themselves should take out supplementary dental insurance.

How much does a good supplementary dental insurance cost?

A good dental insurance for young adults costs from 8 Euro per month. If you are older or want to insure more benefits, you pay more. The exact cost of the insurance depends on your age, the condition of your teeth and the quality and scope of the insured benefits.

We can tell you how much a good supplementary dental insurance costs.

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Christina Cherry
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