Dental Supplemental Insurance

Extended Coverage for Dental Treatments

Dental supplemental insurance covers a wide range of dental treatments and services that may not be fully covered or are only partially covered by the public health insurance. These may include preventive services like professional dental cleanings, dental check-ups, and examinations, as well as restorative treatments like fillings, crowns, bridges, and dentures.

Orthodontic Treatment

Many dental supplemental insurance policies provide coverage for orthodontic treatments, including braces and aligners, which are generally not fully covered by statutory health insurance for adults.

Flexibility and Customization

Dental supplemental insurance plans can be tailored to meet individual needs and preferences. Policyholders have the flexibility to choose different levels of coverage, deductibles, and benefit limits based on their specific dental requirements.

No Waiting Period

Dental supplemental insurance policies usually do not have waiting periods for basic dental treatments, meaning that policyholders can access coverage for necessary treatments shortly after purchasing the policy. However, there is a dental scale that expires after 3-5 years, depending on the plan, and after that you enjoy full unlimited cover. 

No Age Limitations

Unlike some other insurance types, dental supplemental insurance in Germany does not typically have age restrictions or medical exams for enrollment. Individuals of all ages can apply for coverage.

Premiums and Coverage Costs

The cost of dental supplemental insurance varies depending on factors such as the scope of coverage, the insured person’s age, and the chosen insurance provider. Premiums are generally more affordable compared to comprehensive private health insurance plans.

It’s important to note that dental supplemental insurance is not a substitute for statutory health insurance but rather a complementary coverage that enhances dental benefits. Individuals with statutory health insurance can opt to purchase dental supplemental insurance to improve their dental coverage and access higher-quality treatments without bearing the full cost out-of-pocket.

Before choosing dental supplemental insurance, individuals should carefully review the coverage details, limitations, and exclusions of the policy. Consulting with insurance professionals or brokers can help individuals select a dental supplemental insurance plan that aligns with their dental needs and financial considerations. Dental supplemental insurance in Germany offers valuable financial support and peace of mind for policyholders, ensuring they can maintain optimal dental health and access necessary treatments without facing significant financial burdens.