How the German dental care system works
As with the wider German healthcare system, whether you have public or private health insurance determines the scope and standard of dental care you receive. In an effort to cut costs, the German government has chosen to exclude a range of dental treatments from public insurance coverage.
Many people with public health insurance consequently choose to take out supplemental dental insurance (Zahnzusatzversicherung).
If you take out private health insurance, dental will be included, but be careful – some insurers only offer limited coverage!
Quirks of the German dental care system
- Most dentists will issue a quotation called a Heil- und Kostenplan before performing treatment. If you have private insurance, you should present this to your insurer before undergoing treatment to make sure they will cover the costs.
- Statutory health insurance covers a dental checkup (Zahnuntersuchung) every six months and one polish and scale (Zahnreinigung) every year. Under private health insurance, regular visits may be required as a condition of covering more extensive dental work.
Dental coverage with ottonova
ottonova offers tariffs specially designed for expats, with transparent dental coverage as standard. Here’s a brief overview:
- Dental treatment – from checkups to fillings and root canals – is 100% covered, plus 1 or 2 professional dental cleaning sessions per year.
- We cover 80-100% of the costs for implants such as crowns, dentures and bridges, depending on your chosen tariff.
- For orthodontics – i.e. braces to correct a misaligned jaw and/or teeth – we cover up to 100% of the costs for patients under 21 and 60-100% of the costs for adults.