Dental insurance In Germany
Dental Insurance in Germany: What Expats and Residents Need to Know
If you're living in Germany or planning to move, having proper dental insurance is essential to maintain your oral health and avoid high out-of-pocket costs. In this guide, we’ll explain how dental insurance in Germany works, what’s covered, and how to choose the right plan, especially for expats, students, and international workers.
Dental insurance in Germany costs from €10.90 per month. Sign up in under 5 minutes. Online.
What Is Dental Insurance in Germany?
Dental insurance in Germany is either part of your statutory health insurance (Gesetzliche Krankenversicherung - GKV) or obtained through private dental insurance (Private Zahnzusatzversicherung).
While the public health insurance system covers basic dental care, it may not include advanced treatments like implants, cosmetic procedures, or high-end dental materials. That’s where private dental insurance comes in, offering additional coverage and flexibility.
Statutory vs. Private Dental Insurance
1. Statutory Health Insurance (GKV)
- Covers basic dental treatments, such as checkups, fillings, simple extractions, and standard dentures.
- Patients usually pay 20–50% of the cost for procedures beyond basic care.
- Providers include TK, AOK, Barmer, and DAK.
2. Private Dental Insurance
- Covers advanced and cosmetic treatments, such as implants, professional cleanings, crowns, orthodontics, and more.
- Offers higher reimbursements (up to 100%) depending on the plan.
- Ideal for expats, self-employed individuals, and those wanting premium care.
What Does Dental Insurance in Germany Cover?
Depending on your policy, coverage may include:
- Routine check-ups
- Professional dental cleaning
- Tooth fillings (composite or ceramic)
- Crowns and bridges
- Root canal treatments
- Tooth extraction and oral surgery
- Orthodontics (braces)
- Implants and dentures
- Periodontal treatments
Why Expats and International Students Need Dental Insurance
Germany requires all residents, including expats and students, to have health insurance, which typically includes dental coverage. However, basic statutory coverage may not meet your expectations, especially for high-quality materials or specialist care.
Many expats opt for supplementary private dental insurance to access:
- English-speaking dentists
- Better quality materials
- Reduced wait times
- Higher reimbursement rates
Best Dental Insurance Providers in Germany
Here are some of the top insurance companies offering reliable dental plans:
Cost of Dental Insurance in Germany
- Statutory coverage: Included in your monthly GKV contributions (approx. 14–15% of salary).
- Private dental insurance: Starts from as low as €10–€40/month, depending on your age, coverage level, and health condition.
Tip: Compare different plans before making a choice. Some insurers offer packages with no waiting periods and full reimbursement after a few years of policy duration.
How to Apply for Dental Insurance in Germany
- Choose your insurance provider (statutory or private).
- Apply online or via an insurance agent.
- Receive your insurance policy and coverage details.
- Start using your benefits for routine care or major treatments.
Dental insurance in Germany costs from €10.90 per month. Sign up in under 5 minutes. Online.
Why Do I Need Dental Insurance in Germany?
If you're living in Germany, dental insurance is more than just a nice-to-have — it's essential. While public health insurance (Gesetzliche Krankenversicherung or GKV) provides basic dental coverage, it often falls short when it comes to preventive care, cosmetic treatments, and quality materials. That’s where private dental insurance becomes incredibly valuable.
Public vs. Private Dental Coverage in Germany
Public health insurance in Germany typically covers only standard treatments like basic check-ups and low-cost fillings (e.g., amalgam). Any treatment outside the "standard care" model—such as professional cleanings, high-quality fillings, crowns, veneers, or implants—must be paid out of pocket.
Private dental insurance is an affordable add-on policy that bridges this gap and helps cover costs not included in your public insurance.
Benefits of Dental Insurance
Professional Dental Cleanings
Cleanings can cost between €85 and €125 per session, depending on the dentist. With dental insurance, this expense is covered, helping you maintain better oral hygiene and prevent long-term issues.
Preventive Treatments
Good dental insurance includes:
- Fluoride treatments for enamel protection
- Fissure sealants to prevent decay
- Sensitivity relief treatments
Some advanced policies even offer up to €200 for teeth whitening every two years.
High-Quality Fillings
Public insurance only covers amalgam fillings, which are silver in colour and less aesthetically pleasing. To get composite or ceramic fillings that match your natural tooth colour, you'll need private dental coverage. Our plan includes combined coverage for treatments in the first two calendar years.
Tooth Replacement & Advanced Coverage
Major procedures like
- Crowns
- Veneers
- Inlays and onlays
- Bridges
- Bone reconstruction
are only partially covered (or not at all) by public insurance. A private dental plan provides comprehensive reimbursement for these expensive services, including pre- and post-operation care.
Features of Feather’s Dental Insurance
Simple Digital Claims
Could you snap a photo of your invoice and upload it to your account? No paperwork, no waiting.
Customisable Plans
Select the plan that best suits your dental habits—whether you opt for annual cleanings or prefer fewer visits.
English-Speaking Support
Connect with real people through chat, email, or video calls. We’re here to help—in your language.
Why Choose Feather Dental Insurance?
- 95,000+ happy customers
- 22,000+ claims processed efficiently
- 4.8-star average rating from 1,700+ reviews
- All-digital service through the app
- GDPR-compliant data protection—your privacy is safe
Is Dental Insurance Worth It?
Absolutely. For a low monthly premium, you gain:
- Access to higher-quality care
- Significant savings on treatments
- Peace of mind knowing you're fully covered
Whether you're an expat, freelancer, student, or employee in Germany, dental insurance gives you the freedom to choose the treatment you need without financial stress.
Dental insurance in Germany costs between €10.90 and € 15.90 per month. Sign up in under 5 minutes. Online.
Do you need any help finding the right plan?
Let AtoZSerwisPlus.pl guide you through choosing the best dental insurance policy that suits your lifestyle and budget, whether for personal health or visa and residence permit requirements.
