Dental coverage limitations

This article primarily relates to top-up dental insurance for people with public health insurance. For information on coverage as part of a private health insurance policy, consult our guide to dental treatment in Germany.

Dental coverage limitations are restrictions on insurance benefits for top-up dental insurance


A significant proportion of people in Germany with public (statutory) health insurance opt to take out a private top-up insurance policy for dental treatment and services. Many consider the dental coverage in the public health insurance system to be insufficient.

However, the coverage provided by top-up insurance policies is usually subject to specific limitations. In the case of ottonova, these include a specific scale (Zahnstaffel) setting upper limits on maximum reimbursement for the initial years of an insurance policy, plus upper limits for specific services, such as professional tooth cleaning, fissure sealing and orthodontic treatment. The exact limits depend on the top-up insurance tariff you choose.

These limitations protect the insurance collective. Premiums in the private health insurance system are based on risk: if people were allowed to take out a top-up insurance policy and immediately claim extensive benefits with no upper limit, the cost of insurance would rise for everyone.

FAQ

Can I use the insurance in my home country when I`m travelling back for vacation (or moving back)?

With our tariffs you have world-wide travel coverage. The Expat Tariff covers you up to two months annually outside the EU and in our Premium Economy-, Business- or First Class Tariffs you will be covered up to six months annually outside the EU. 

If you move away from Germany, you will not need German health insurance anymore.

Can you cancel my current insurer?

We can help you write your cancellation letter for your current insurer and send it to you by email. You simply need to add your insurance number and signature and then send it to your insurer. We are unfortunately not allowed to contact your current insurer directly. 

How is the payment working? Different than public insurance?

The payment is different than in the public system. With private health insurance you pay the full tariff to us at the beginning of the month. If you are employed your employer will contribute their part to your health insurance through your salary.

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