Save money and get the best coverage!

  • up to 100 % cost coverage

  • English-speaking support

  • outstanding digital services

  • no waiting time for prophylaxis

from 8.73 €
per month
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5 reasons why supplementary dental insurance makes sense

  1. Public health insurance only covers a fixed allowance of 60% for dental prostheses. Supplemental dental insurance, on the other hand, covers up to 100% of the costs.
  2. Especially high-quality dentures can be very expensive, since public health insurance only subsidizes the most basic services. Protect yourself from high costs for aesthetic dentures!
  3. Professional dental cleanings are important for the preservation of your oral health, but they're not covered by public insurance. Top-up insurance will reimburse you for this service and protect your smile.
  4. Orthodontic treatment can cost several thousand euros. Public health insurance only pays for childrens orthodontic in certain cases - but not at all for adults. So extra insurance is worth it here.
  5. Between 30 and 40 you should think about taking out dental insurance, because your teeth are usually still healthy and you can be insured without a premium surcharge and protect yourself from high costs in the future.
Get a non-binding consultation
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Isabel

ottonova insurance expert

You're a trailblazer

ottonova is currently building the sign-up process in English. Please do not hesitate to get in touch with our English-speaking insurance experts. They'll answer all your questions and help you to create your account.

089 121 896 09

Calculate your premium now

Choose a plan that fits your needs best. Enter your age to calculate your monthly premium.

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Economy Class

ottonova Zahn 70
- € monthly
  • Dental treatment

  • Dental prostheses with public health insurance standard care

  • Professional dental cleaning up to €70 per year

In addition, we reimburse up to 70% of your dental prostheses costs (including implants & inlays).

Also available as Zahn 75+ tariff.
Find out more: +49 89 121 896 06.
Top Most popular & cost-efficient choice
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Business Class

ottonova Zahn 85
- € monthly
  • Dental treatment

  • Dental prostheses with public health insurance standard care

  • Professional teeth cleaning up to €140 per year

  • Orthodontics for children 85%-100%

In addition, we reimburse up to 85% of your dental prostheses costs (including implants & inlays).

Also available as Zahn 90+ tariff.
Find out more: +49 89 121 896 06.
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First Class

ottonova Zahn 100
- € monthly
  • Dental treatment

  • Dental prostheses with public health insurance standard care

  • Professional teeth cleaning up to €180 per year

  • Orthodontics for children 100%

  • Orthodontics for adults

  • Additional anesthesia coverage

In addition, we reimburse up to 100% of your dental prostheses costs (including implants & inlays).

Also available as Zahn 100+ tariff.
Find out more: +49 89 121 896 06.

Collect Payback points. Once you have concluded your contract, you can collect 500 PAYBACK points by entering your PAYBACK account number in the sign-up process.

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Protect your smile!

Coverage for every taste. From the healthy basic plan to the all-around carefree package. The best ottonova dental plans cover everything public insurance won't to protect you from incurring high costs. You want to sign up or have questions left? Go ahead and contact our English-speaking insurance experts!

Save on money, not on services!

Dental treatments can be expensive. Check how much you'd need to pay by yourself without top-up dental insurance.

Implant

Implant

Total cost € 2700

GKV No top-up insurance

  • € 400
  • € 2300

Economy Class ottonova Zahn 70

  • € 400
  • € 1490
  • € 810

Business Class ottonova Zahn 85

  • € 400
  • € 1895
  • € 405

First Class ottonova Zahn 100

  • € 400
  • € 2300
  • GKV share
  • ottonova share
  • Your share

Still not convinced? We'd be happy to advise you.

We do everything we can to help you make an informed and conscious decision. Just pick a time for us to call you back.

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    Isabel

    ottonova insurance expert

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Trustpilot 5 Sterne

„My experience with ottonova so far has been great. Everything is easy, from signing the contract to making an appointment. Everything you need to do, is done through the ottonova app and I have to say everything works fast an efficiently. I would recommend ottonova 100% to anyone who wants quality and top customer service.“

Wilson Verified ottonova customer

FAQs

Top-up dental insurance is useful for people with public health insurance. This is because public health insurance does not fully cover all of the costs of dental treatments. These can be very expensive, especially when it comes to dental prostheses. They may place an enormous financial burden on the patient! Patients often underestimate the costs.

Should you require dental work, your supplementary dental insurance will cover a large part of treatment costs. This means: Your public health insurance will pay a small part and your supplementary insurance will pay another part. Depending on your insurance plan and on the treatment, you will either pay a small part yourself, or you will pay nothing at all. It is important to take out insurance at an early stage, and not just when you are about to undergo extensive dental work.

ottonova - because we are a test winner!

Of course, the price and the reimbursement amount play an important role in your decision for or against a certain plan. However, the most important thing is this: top-up dental insurance only makes sense if it is available when you need it. Unfortunately, there are many ways in which insurance companies can attempt to evade their responsibilities. Therefore, when taking out top-up dental insurance, you should pay particular attention to gaps in coverage. Here at ottonova, we prefer open and transparent communication. Therefore, we don't use long, overcomplicated sentences. We will tell you clearly what we do and don't cover. For you, this means quite simply: we keep our promises.

Calculate your optimal plan now!

We have selected two examples of what such loopholes may look like.

Example 1: Orthodontics for children

The plan states that the top-up insurance will pay if:

  • The treatment starts before the age of 18,
  • Public health insurance does not cover it, and
  • The treatment is medically necessary.

However, these conditions never occur together. Because if the treatment is medically necessary for children, public health insurance will always pay at least a part. Therefore, in these cases, top-up insurance never pays out.

Example 2: Root canal treatments, periodontal treatments, and occlusal splints

The plan states: Root canal treatments, periodontal treatments, and occlusal splints are not reimbursed if public health insurance covers them.

In all three cases, the patient may need to pay for useful additional services, such as:

  • Use of electric tools and chemicals to clean and disinfect root canals, or use of a surgical microscope for root canal treatments;
  • Instructions for proper oral hygiene and, in certain cases, tartar removal or professional teeth cleaning in the context of periodontal treatment;
  • High-quality occlusal splints.

Since public health insurance covers a part of the costs in all the above-mentioned cases, top-up insurance funds do not need to cover these additional benefits. However, that is exactly what patients expect from top-up dental insurance.

If you need costly treatments, which are likely to cost more than €1,000, we recommend that you ask your dentist for a treatment and cost plan. In this plan, the dentist will specify which treatments are planned, and at what cost.

This treatment and cost plan has two parts: one for public health insurance, and one for private health insurance. First, you should submit the relevant part to your public health insurance. Your public health insurance will assess it and will usually approve it. You should then take a picture of that approval and of both parts of the health and cost plan using your smartphone, and upload it to your app.

It is important that ottonova receive the treatment and cost plan in well before the start of the treatment. ottonova will then notify you of the expected reimbursement. Once your treatment has been carried out, you can send us your bills and we will reimburse you. Public health insurance usually bears the costs for the treatment and cost plan. If it does not do that, or if it does so only in part, we will reimburse the rest.

You are eligible for our dental plans if you are currently insured by German public health insurance (GKV). ottonova is right for you also if you care about your dental health and about prevention. Our aim is to actively support you in keeping your teeth healthy by reimbursing teeth cleaning, other prophylactic treatments, diagnostic tests to predict your risk of cavities, and fissure sealants.

In the first 48 months, you can only use your benefits up to a certain limit. Therefore, we want to prevent your premiums from being used to co-finance the treatment for customers who were already ill before they signed up for our insurance. However, should you have an accident, you will be able to claim the full benefits of your plan before the end of the waiting period.

How much we reimburse depends on your plan. All three plans cover 100% of dental treatments. Our Economy Class plan covers at least 70% of the costs of dental prostheses, together with your public health insurance fund. In Business Class, the reimbursement for dental prostheses increases to 85%. In First Class, we cover 100% of the costs.

Yes, we do. In the first 48 months, you can only use your benefits up to a certain limit. Therefore, we want to prevent your premiums from being used to co-finance the treatment for customers who were already ill before they signed up for our insurance. However, should you have an accident, you will be able to claim the full benefits of your plan before the end of the waiting period