Dental treatment in Germany

Healthy teeth and good oral hygiene are important for all of us. In Germany, the cost of dental care is often around 60% lower than in the USA. What is more, the German system is usually favorably reviewed by expats. In fact, it is widely considered the best in Europe.

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.

FAQ

​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.

​What is included at the limitation of the dental services (Zahnstaffel)?

There are annual limitations, to a maximum of 48 months for ‘Zahnersatz’/dental replacements (implants, onlays, inlays etc.). Here we are limiting the maximum reimbursement amount, to a certain total, but it is increasing every year. Of course, should you have an accident and require immediate dental treatment/replacement, this limit does not apply. Limitations do also not apply for professional cleanings and regular dental treatments.

Can I have the insurance today?

The process to get your finalized contract with us typically takes around two weeks. Tariffs in private health insurance in Germany are based on the age when you enter the system and your health status. 

​Do you help me finding an English-speaking doctor?

Of course! Through our ottonova Concierge Service we can book appointments for you. You just easily write us a message with your requirements, and we will find the best option for you. 

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