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Navigating Dental Insurance in Germany: What You Need to Know

Navigating Dental Insurance in Germany: What You Need to Know

If you are living in Germany or planning to move there, it is essential to understand how dental insurance works. Although the country has excellent healthcare, dental care is not covered by the public health insurance system. This means that you will need to have a separate dental insurance policy to access certain treatments and procedures.

Here are some things that you need to know about navigating dental insurance in Germany.

Types of Dental Insurance

There are two types of dental insurance policies available in Germany: supplementary and comprehensive.

Supplementary insurance covers specific treatments and procedures that are not covered by the public health insurance system. These may include crowns, bridges, dentures, and orthodontic treatments. However, it is important to note that this type of insurance does not cover routine check-ups and preventive treatments like cleanings and fillings.

Comprehensive insurance, on the other hand, covers all dental treatments and procedures, including preventive care. This type of insurance is more expensive but provides more comprehensive coverage for your teeth.

Coverage Limits

It is important to understand that dental insurance policies in Germany often come with annual coverage limits. For example, a policy may cover up to 1,000 euros per year for all treatments and procedures. Once this limit is reached, you will need to pay for any additional treatments out of pocket.

Some policies may also have waiting periods before certain treatments and procedures are covered. This means that you may need to wait a specified amount of time before you can access certain benefits under your policy.

Choosing a Provider

When choosing a dental insurance provider in Germany, it is important to do your research and compare policies from different companies. Look for policies that offer the level of coverage you need at a price that is affordable for you.

It is also important to consider the reputation and financial stability of the insurance company. Look for reviews from other customers and research the company’s financial ratings to ensure that they will be able to pay out claims if you need them.

Submitting Claims

To submit a claim for dental treatment or procedure, you will need to provide your insurance company with an itemized bill of services received. You will also need to provide proof of payment, such as a receipt or bank statement.

It is important to keep all of your dental records and receipts in a safe place in case you need to submit a claim at a later time.


Navigating dental insurance in Germany can be challenging, but with a little research and planning, you can find a policy that meets your needs and budget. Be sure to understand the type of coverage you need, any coverage limits or waiting periods, and how to submit claims for reimbursement.



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