€800 crown? AOK pays only €150. The rest is on you – unless you're insured.

€800 crown? AOK pays only €150. The rest is on you – unless you're insured.

Dental insurance made for Indian expats in Germany.

Protect your smile – even when your public insurance won’t

Why it matters

Getting treatment for your teeth in Germany can be very expensive – and public health insurance (like TK or AOK) only covers a small fixed amount.

  • 💶 A crown costs about €800
  • 😬 Public insurance covers roughly €150
  • ➡️ You pay the rest – unless you have proper coverage

  • ✅ Up to 100% of costs can be reimbursed
  • ✅ Includes implants, crowns, cleanings, and more
  • ✅ Also covers braces for kids (optional)
  • ✅ Professional teeth cleaning (€80–100) often included
  • 🌍 Perfect for Indian expats – explained in simple English
 
NEOdirect · Zahnzusatzversicherung Explained in English From €10–25 / month

Protect your smile — premium care, smart price

Public insurance pays only a fixed subsidy. Our dental add‑on helps you afford implants, crowns, inlays, cleanings and more — without bill shock.

✓ Independent broker ✓ GKV: TK · AOK · Barmer ✓ No obligation
Subsidy
GKV = fixed only
Stop paying 80% yourself
Coverage
Up to 100%*
Implants · Crowns · Inlays
Cleanings
2× / year
Prevention saves money

What’s included

Cleanings
Up to 2× / year
Fillings
Composite (no metal)
Crowns & Inlays
Ceramic / gold options
Implants & Bridges
Up to 100%*
Kids Ortho
Optional braces cover
Claims Help
We support at no cost

Good to know

  • GKV pays fixed amounts, not percentages
  • Top tariffs can reimburse up to 100% for implants*
  • Popular price range: €10–25 / month
  • Reimbursements are usually tax‑free
*Exact limits depend on tariff, waiting periods and findings (Heil‑ & Kostenplan).
Cost snapshot
Real example
Treatment (crown)
€800
GKV fixed subsidy
≈ €150
Dental plan reimburses
up to €650
Your exact benefits depend on the selected plan and approvals.
Special for expats
Clear English advice · Fast selection · Friendly claims support
Who is it for?
  • Expats with public health insurance (GKV)
  • Young professionals & families
  • Anyone who wants pain‑free, high‑quality treatment
  • People staying in Germany long‑term
Why NEOdirect?
  • We compare 30+ plans and shortlist the best
  • Acceptance check for existing fillings & treated teeth
  • Claims support — no extra cost
  • Explained in simple English
Book your free consultation
“They explained everything in English and saved me hundreds on my implant.” — Rahul S.
“Fast comparison, transparent costs, great support.” — Meera K.
“Perfect for TK users — highly recommend.” — Ajay P.

 

Tips

10 Tips & Tricks for Smart Dental Insurance

1️⃣ Get insured early

The earlier you start, the fewer waiting periods and exclusions apply — especially for implants and major treatments.

2️⃣ Choose plans that include existing fillings

If you already have dental work done, ensure your tariff accepts it to avoid future coverage gaps.

3️⃣ Use professional cleanings regularly

Most tariffs include up to two professional cleanings per year — use them! It keeps your smile healthy and reduces long-term costs.

4️⃣ Ask for a cost plan (Heil- & Kostenplan)

Before expensive treatments, always request a cost plan. Your insurer will confirm what is covered — saving unpleasant surprises.

5️⃣ Combine quality and coverage

Select a tariff that balances implant, inlay and cleaning coverage with affordable premiums.

6️⃣ Don’t rely only on public health insurance (GKV)

Public plans pay fixed subsidies — usually only 15–20% of real costs. Supplementary insurance fills this gap.

7️⃣ Compare plans annually

Insurers update benefits frequently. A yearly check can improve your coverage or save you money.

8️⃣ Keep receipts for reimbursement

Always collect and submit receipts promptly to ensure quick reimbursements — often tax-free.

9️⃣ Consider child orthodontics early

For families, choose tariffs that include braces and orthodontics for children — coverage usually starts early.

🔟 Ask NEOdirect for personalized advice

We analyze over 30 dental plans to find the one that matches your dental history and budget — all explained in English.

FAQ

FAQ – Dental Supplementary Insurance

What is supplementary dental insurance (Zahnzusatzversicherung)?

It’s an add‑on to public health insurance (GKV) that reimburses dental costs like cleanings, high‑quality fillings, crowns, inlays, bridges and implants beyond the small fixed subsidy paid by the GKV.

Why do I need it if I already have public insurance (GKV)?

GKV typically pays only a fixed amount based on the cheapest treatment. Without a dental plan, patients often pay most of modern treatments out of pocket.

What’s covered?

Depending on the tariff: professional teeth cleaning (up to 1–2×/year), composite fillings, crowns and inlays (ceramic or gold), bridges, implants and optional orthodontics for children.

Are implants covered?

Yes, many plans include implants. Some tariffs reimburse up to 100% of the remaining costs after the GKV subsidy, subject to plan limits and approval (Heil‑ & Kostenplan).

How much does it cost per month?

Good plans often start around €10–25/month depending on age, scope and implant coverage.

Are reimbursements tax‑free?

Usually yes. Insurers reimburse eligible dental costs directly to you. Individual tax situations can vary.

Can I get covered with existing fillings or treated teeth?

Many tariffs accept them, though benefits and waiting periods can differ. We’ll shortlist plans that match your dental history.

Are there waiting periods?

Commonly 6–8 months for major work. Prevention like cleanings may be covered sooner, depending on the plan.

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