Healthy teeth are part of your overall health, and looks are only one side of it. But quality dental treatment and dentures can be expensive, and statutory health insurance (gesetzliche Krankenversicherung) pays only a fraction of the cost. Supplementary dental insurance (Zahnzusatzversicherung) protects you from high co-payments and allows quality dental care with no financial compromises.
For dentures, statutory insurance (GKV) pays a fixed subsidy (Festzuschuss) based on the dental findings, which has barely been adjusted in recent years despite rising treatment costs. For implants, crowns on front teeth or complex bridges, a considerable co-payment remains, often in the four to five-figure range. Anyone with a good record in their bonus booklet (Bonusheft) gets a little more, but nowhere near the real costs.
A good supplementary dental policy reimburses a set percentage of dentist bills on top of the GKV subsidy, for example for dentures, inlays, professional teeth cleaning and, in some tariffs, orthodontic treatment. Depending on the tariff, the reimbursement rate is between 50 and 100 percent.
Important: if you already have dental problems or plan major treatment soon, act quickly. The Allianz MeinZahnschutz tariffs have no waiting periods; a Zahnstaffel (staged benefit limits) applies in the first three years of insurance. If taken out early, supplementary dental insurance gives you the full range of benefits.
We compare the available tariffs and find the right cover for your dental situation and your budget.
Supplementary dental insurance benefits
Dental treatment and prevention: professional teeth cleaning 100% (several times a year), whitening 100% up to €150 every 2 years, high-quality fillings 100%, gum disease treatment 100%, root canal treatment 100%, fissure sealing 100%.
Pain relief: anaesthesia, acupuncture, nitrous oxide, hypnosis 100% for dental treatment. 75 to 100% for dentures and orthodontics depending on the tariff.
Dentures: standard care 100%. Higher-quality dentures (bridges, crowns, implants, inlays): MeinZahnschutz 75 = 75%, MeinZahnschutz 90 = 90%, MeinZahnschutz 100 = 100%.
Orthodontics (under 21): MeinZahnschutz 75 up to €2,000, 90 up to €2,500, 100 up to €3,000. Adults only after an accident or serious illness.
Bite splints: 75 to 100% depending on the tariff.
No waiting periods, immediate cover from the start of the contract (except ongoing or already planned treatment). Innovation guarantee. Cancellable monthly after 2 years. You can take it out with up to 3 missing teeth.
Supplementary dental tariff comparison
MeinZahnschutz 75: 100% dental treatment + 75% dentures. Tooth-staged limits (Zahnstaffel): €1,000/€1,500/€2,000/unlimited (year 1/2/3/from year 4).
MeinZahnschutz 90: 100% dental treatment + 90% dentures. Tooth-staged limits: €1,000/€2,000/€3,000/unlimited.
MeinZahnschutz 100: 100% dental treatment + 100% dentures. Tooth-staged limits: €1,000/€2,500/€4,000/unlimited. Stiftung Warentest top grade "Sehr Gut" (very good, 0.6).
All tariffs: no waiting periods (except ongoing or already planned treatment), can be taken out online from age 18 to 64, children under 16 online, cancellable monthly after 2 years. Choice of with or without ageing provisions from 21. The first year ends on 31.12 (short year), giving faster access to higher benefits.
