Dental fee schedule (GOZ)

In the German dental care system, bills are calculated on the basis of the Gebührenordnung für Zahnärzte (GOZ) – the official dental fee schedule.

The dental fee schedule sets down basic fees for dental treatments and services


Health insurance is mandatory for everyone living and working in Germany. You can choose between public and private health insurance, but you must take out a suitable and adequate insurance policy.

Public health insurance (GKV) policies include an annual dental hygiene visit for adults (and six-monthly visits for children) as standard. However, dental coverage in the public insurance system is usually poor – which can result in policyholders facing significant additional costs. For this reason, many publicly insured people take out top-up insurance for dental services.

If you take out private health insurance (PKV), the coverage for dental treatments and services will be set out in detail in your policy. You should ensure this coverage meets your needs before concluding the contract.

Dentists calculate their bills on the basis of the official dental fee schedule. They can multiply this fee by an incremental factor of up to 3.5 depending on the complexity of the treatment, the materials needed, the time required, and the circumstances in which the treatment is administered. In most cases, dentists provide an estimate outlining the expected cost before administering treatment, which allows patients to check whether their insurance provider will cover the cost.

At ottonova, we cover up to 3.5 times ans in the First Class tariff even 5 times the basic fee set down in the GOZ. In our special Expat tariff we also cover up to 5 times the basic fee, which can be helpful if you need to see a leading specialist.

FAQ

Do you pay me back money if I don´t make usage of the insurance?

At the moment we do not offer any money back if you don´t make usage of the insurance, as we want you to go and have your annual check-ups. 

However, we offer reward points via our Health X program. Read more about Health X here.

​What does the 5-fold rate mean?

In Germany, doctor fees are regulated by GOÄ (Gebührenordnung für Ärtze) and GOZ (Gebührenordnung für Zahnärtze). This is a price range regulation that indicates the cost of a treatment. A normal treatment will be charged with factor 2,3. Anything higher than that up to 3,5 needs an explanation from the doctor on the invoice, explaining the increased effort.

Everything higher than 3,5 the doctor needs you to sign the so called “Honorarvereinbarung” before the treatment. We advise you to always let us know if this happens.

How does the Beitragsentlastung work?

You have the option to pay a little more today, to reduce your tariff cost when you are in retirement age. We recommend this optional insurance for everybody. If you choose a €100 monthly reduction from the age of 67, then your tariff will be €100 lower for you when you are 67 years old.

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