ottonova's hassle-free
dental insurance
from 8,80 € mtl.

Aktion

Get your 30 € Amazon voucher DENTAL2022

Your insurance contract with ottonova has been effectively concluded, the cancellation period has expired and the first premium has been paid. Cannot be combined with other promotions. Restrictions apply. More on: amazon.de/gc-legal

  • Ligtning-fast reimbursement
    within 48 hours*

  • Full cost coverage
    100% coverage for dental treatments

  • No waiting time
    claim benefits from day 1

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DENTAL2022
€ 30
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Hero Bild - TV Spot
DENTAL2022
€ 30
wordmark trademark

Calculate your premium now

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

New

Now with instant benefits - Secured right from the start.

There are no annoying waiting periods for your benefits - with us you are fully covered from day one!

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Economy Class

ottonova Zahn 70 75 +
- € monthly
professional dental cleaning up to:
prostheses (inkl. implants & inlays):
  • No waiting period

  • Monthly cancellation

  • Up to 500 PAYBACK points

  • 100 % dental treatment

  • Orthodontics for children

  • Orthodontics for adults

  • Additional anesthesia coverage

Top
Our most popular tariff Most popular & cost-efficient choice
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Business Class

ottonova Zahn 85 90 +
- € monthly
professional dental cleaning up to:
prostheses (inkl. implants & inlays):
  • No waiting period

  • Monthly cancellation

  • Up to 500 PAYBACK points

  • 100 % dental treatment

  • 85 % - 100 % orthodontics for children

  • Orthodontics for adults

  • Additional anesthesia coverage

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First Class

ottonova Zahn 100 100 +
- € monthly
professional dental cleaning up to:
prostheses (inkl. implants & inlays):
It doesn't get better ;-)
  • No waiting period

  • Monthly cancellation

  • Up to 500 PAYBACK points

  • 100 % dental treatment

  • 100 % orthodontics for children

  • 100 % orthodontics for adults

  • 100 % additional anesthesia coverage

See all services
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Isabel

ottonova insurance experts

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 08

Do you need assistance finding the perfect tariff for your needs?

Then go ahead and arrange a non-binding consultation with our English-speaking experts.

Save on money, not on coverage

Dental treatments can be very expensive. Have a look how much you would have to pay yourself without supplementary 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

ottonova is designed to make your life easier

With out digital services and innovative app we save you time and trouble.

  • Lightning-fast reimbursement: just upload your invoice in the ottonova app and get your money back within 48 hours (Mo-Fr for bills up to 500 €).
  • Real-time support: contact our English-speaking support team anytime through the ottonova app chat to get answers to your health and insurance related questions.
  • Switch your tariff anytime: we know that needs can change, that's why with ottonova it's possible to switch between tariffs anytime.

Are you ready to be part of Germany's first digital health insurance?

Go ahead now to save time and money by choosing Germany’s first digital private health insurance, will full English-speaking support!

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.

The ottonova Clinic 2-bed and ottonova Clinic 1-bed tariffs contribute to your old age reserves which allows your premiums to be as steady as possible over the entire term of the contract.

As steady as possible means that we won’t change your premiums as a result of your age, but only in the event of changes to medical costs. If providing accommodation in 1-bed rooms becomes more expensive, for example, we must then take this into account when calculating premiums and adjust them if necessary.

On the other hand, the Flex option for younger adults is calculated without contributing to your old age reserves. This means that your premiums can change as you get older. Feel free to get advice from our experts.

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

Any more questions?

Feel free to book a non-binding consultation with our English-speaking insurance experts to get answers to all the questions you might have.

Isabel
Isabel
ottonova insurance expert
Get a personal consultation in english.
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Isabel
Isabel
ottonova insurance expert
Get a personal consultation in English! What you can expect from us:
  • Fair and objective
  • We help you compare with other options
  • Get answers to all your questions

*Monday to Friday for bills up to 500 €


**Conditions: the exclusive voucher code "DENTAL2022" was entered in the promotional code field at the time of purchase.Your insurance contract with ottonova has been effectively concluded, the cancellation period has expired and the first premium has been paid. Cannot be combined with other promotions.

Restrictions apply. You can find the complete terms and conditions at: amazon.de/gc-legal