Top up your public health cover
Zahnzusatzversicherung
GKV does not cover every dental cost. Supplemental dental insurance can reduce what you pay yourself for treatments such as crowns, implants and high-quality dental care.
We compare suitable plans and explain everything in English or Hindi.
Dental insurance (Zahnzusatzversicherung) supplements your German public health insurance (GKV). Depending on the plan, it can help cover costs for crowns, implants, dentures, high-quality fillings and professional teeth cleaning.
Dental insurance is designed for people with public health insurance who want more dental coverage than GKV provides.
It can be especially useful if you want higher-quality dental treatment or want to reduce the risk of larger out-of-pocket costs.
Depending on the plan, dental insurance can cover a high percentage of eligible costs for crowns, implants and dentures, as well as professional teeth cleaning, better fillings and certain root canal or gum treatments.
It is usually better to get covered while your teeth are healthy. Treatment that has already started or been recommended by a dentist may be excluded.
Many plans also limit reimbursements during the first few years through a benefit schedule known as a Zahnstaffel.
The insurers we compare for you
We are not tied to a single insurer. We compare suitable dental plans based on your dental needs, your budget and the level of cover you want.
“My dentist quoted €2.800 for a crown and an implant. Because I had signed up for a dental plan a year earlier, I paid a fraction of it. Best few euros a month I ever spent.”
“I had no idea public insurance pays so little at the dentist. The team explained the benefit ladder and waiting periods in English and helped me pick a plan that covers cleaning twice a year.”
Three plans worth comparing
These three plans currently stand out in our NEOdirect comparison for their combination of benefits and price.
The premiums below are sample calculations for a 42-year-old with insurance starting on 01.01.2026. Your premium and available cover depend on your individual situation.
Mein Zahnschutz 100
⭐⭐⭐⭐½ 4,5/5 Strong premium dental cover
Strong benefits at a competitive price
€41.73 / month
Comprehensive cover for dental treatment and dentures, with additional benefits for professional cleaning and children’s orthodontics.
ZahnPRIVAT 100
⭐⭐⭐⭐⭐ 4,7/5 Excellent all-round protection
Strong overall benefits
€45.69 / month
Comprehensive dental cover with a higher benefit ramp-up during the first years and extensive benefits across several treatment areas.
ZAHN SORGLOS
⭐⭐⭐⭐⭐ 5,0/5 Best overall coverage
Broad cover at the lowest sample premium of the three
€35.75 / month
Comprehensive benefits for dental treatment, dentures and orthodontics, subject to the plan conditions.
Not sure which plan fits you?We compare the exact plans with you in a short call.
Book a free 30-min dental checkSee how the three plans compare on the dental benefits that matter most.
Mein Zahnschutz 100AllianzGet a Quote
ZahnPRIVAT 100UKVGet a Quote
ZAHN SORGLOSConcordiaGet a Quote
100% incl. GKV contribution
100% incl. GKV contribution
100% incl. implants, crowns, bridges and veneers
100%
100%
100% incl. fillings, root canals and bite splints
€1,000 / €2,500 / €4,000 in years 1–3
Full plan benefits from year 4
€1,000 / €3,000 / €6,000 in years 1–3
Full plan benefits from year 4
€1,500 / €3,000 / €4,500 in years 1–3
Full plan benefits from year 4
Up to the maximum GOZ rate
Up to the maximum GOZ rate
Check current plan terms
100% without a maximum
100% without a maximum
100% up to €550 within 2 years, incl. fissure sealing, polishing and fluoridation
100% incl. sedation, nitrous oxide, hypnosis, acupuncture and anesthesia
100%, no plan limit
100% incl. acupuncture, hypnosis, anesthesia and nitrous oxide sedation
100%, up to €150 every 2 insurance years
100%, up to €200 every 2 calendar years
100%, up to €500 every 4 years
100% with or without GKV contribution
100% with or without GKV contribution
100% as part of eligible dental treatment
100% up to age 21, max. €3,000 per case
100%, no plan limit
KIG 1–2: 100%, up to €8,000 per treatment
KIG 3–5: 100%
From age 22, only after an accident
From age 20, only after an accident or with GKV contribution
100%, up to €8,000 per treatment
Monthly cancellation possible after 2 insurance years
1 calendar year plus the remainder of the first year
Not specified in the comparison
Future denture methods included according to plan terms
Innovation guarantee included
Includes methods such as dental laser, CEREC, Invisalign and DROS splints
Plan benefits shown here are taken from the current comparison and depend on the exact plan, your age and your health when you apply. We confirm the current terms with the insurers before you sign.
Compare price and cover
Your premium depends mainly on your age and, for some plans, on missing teeth. Adjust both below to compare Allianz, UKV and Concordia side by side.No personal data. No sign-up.
Good to knowReady to apply? We briefly go through the insurer’s health questions with you by phone to avoid misunderstandings.
Your monthly premium
At 30 years old
Mein Zahnschutz 100
€18,77 /month
ZahnPRIVAT 100
€21,55 /month
ZAHN SORGLOS
Our recommendation
€32,67 /month
Premiums can increase as you move into a new age band. The plans shown here are calculated without ageing reserves.
The benefits explained
German public health insurance (GKV) covers essential dental care, but higher-quality treatments can leave you with significant costs of your own. Dental insurance can reduce these costs, depending on the plan.
Professional teeth cleaning is often an additional expense. Many dental plans reimburse one or more cleanings per year, either fully or up to a defined amount.
GKV covers medically necessary fillings within its rules. If you choose higher-quality materials or certain inlays, additional costs can arise. Dental insurance can help cover the difference.
Depending on the plan, additional benefits can include treatments for gums, preventive care and other dental procedures beyond standard GKV coverage.
GKV covers root canal treatment only when certain requirements are met. Dental insurance can provide additional cover when treatment falls outside those conditions.
For dentures such as crowns and bridges, GKV generally provides a fixed subsidy (Festzuschuss). Dental insurance can significantly increase the amount reimbursed, including for higher-quality materials.
Implants can result in substantial out-of-pocket costs. Strong dental plans can reimburse a large share of eligible implant and associated treatment costs.
This is one of the most important benefits to compare carefully.
GKV covers orthodontic treatment for children under defined conditions. Dental plans can add benefits for treatments outside those rules and, depending on the plan, orthodontics for adults.
Some plans cover additional services such as sedation, anesthesia or certain diagnostic procedures when the plan conditions are met.
Regular dental check-ups documented in your Bonusheft can increase the GKV subsidy for dentures.
Combined with good supplemental dental insurance, this can significantly reduce your own share of the bill.
What to keep in mind
A few details can make a big difference to what your dental insurance covers and when.
Treatment that has already been recommended, planned or started may be excluded. It is usually best to get covered while your teeth are healthy.
Some plans have waiting periods before certain benefits are available. Others provide cover from the start.
Many plans limit reimbursements during the first few years. These limits usually increase each year before the full plan benefits become available.
Insurers may ask about ongoing or recommended treatment, missing teeth and your current dental situation. We go through the questions with you to avoid misunderstandings.
After treatment, you submit your dentist’s invoice to the insurer, usually through an app or online portal. The insurer then reimburses eligible costs according to your plan.
Many dental plans are calculated without ageing reserves. Your premium can therefore increase when you move into a new age band.
The plan in detail
Zahn SORGLOS offers up to 100% reimbursement across a wide range of dental treatments. Some benefits have defined limits, shown below.
| Benefits | Zahn SORGLOS |
|---|---|
| Professional teeth cleaningFissure sealing, polishing and fluoridation | 100%, up to €550 every 2 years |
| Dental treatmentsFillings, root canal and periodontal treatment | 100%, no plan limit |
| Bite splints (Aufbissschienen)Grinding and DROS splints | 100%, no plan limit |
| High-quality denturesImplants, crowns, bridges and veneers | 100%, no plan limit |
| Orthodontics · KIG 1–2For children with mild tooth misalignment | 100%, up to €8,000 per treatment |
| Orthodontics · KIG 3–5For children with moderate to severe tooth misalignment | 100%, no plan limit |
| Orthodontics for adultsIncluding eligible aligners, retainers and ceramic brackets | 100%, up to €8,000 per treatment |
| Pain and anxiety reliefIncluding eligible acupuncture, hypnosis, anesthesia and nitrous oxide sedation | 100%, no plan limit |
| Teeth whiteningEligible professional bleaching | 100%, up to €500 every 4 years |
FAQ
Clear answers about supplemental dental insurance (Zahnzusatzversicherung), costs, implants, missing teeth and how plans such as Concordia ZAHN SORGLOS work.
Supplemental dental insurance (Zahnzusatzversicherung) adds extra dental cover on top of German public health insurance (GKV).
Depending on the plan, it can help pay for implants, crowns, bridges, high-quality fillings, professional teeth cleaning, root canal treatment and orthodontics.
Dental insurance can be worth considering if you want higher-quality dental treatment and want to reduce the risk of large out-of-pocket costs.
It can be particularly useful for expensive treatments such as implants, crowns and bridges. Whether it makes financial sense depends on your dental situation, the level of cover you want and the price of the plan.
German public health insurance (GKV) covers medically necessary dental care within the statutory system.
For dentures such as crowns and bridges, GKV provides a fixed subsidy (Festzuschuss) based on standard treatment. If you choose more expensive materials or treatment, you may have to pay the additional cost yourself.
Supplemental dental insurance can help reduce this gap.
Depending on the plan, dental insurance can cover:
The exact benefits and limits depend on the plan you choose.
Yes, many good dental insurance plans cover implants.
The important differences are how much of the eligible cost is reimbursed, whether the number of implants is limited and whether related costs such as bone augmentation are included.
That is why an advertised reimbursement percentage alone is not enough to compare dental plans.
Possibly, but treatment that has already been recommended, planned or started is often excluded from cover.
If your dentist has already identified a problem or prepared a treatment plan (Heil- und Kostenplan), tell us before applying.
It is usually better to arrange dental insurance while your teeth are healthy and before major treatment is recommended.
Yes, some dental insurance plans accept applicants with missing teeth.
However, missing teeth can affect the premium, coverage or whether a particular plan is available. Insurers also differ in how many missing teeth they accept.
Always answer questions about missing teeth accurately when applying.
A Zahnstaffel is a benefit ladder that limits how much your dental insurance will reimburse during the first years of the plan.
The limit normally increases over time until the regular plan benefits become available.
A plan can therefore advertise 100% reimbursement while still limiting the total amount it will pay during the first few years.
It depends on the plan.
Some dental insurance plans have waiting periods before certain benefits become available, while others provide cover from the start.
No waiting period does not automatically mean unlimited reimbursement from day one. A Zahnstaffel or other initial benefit limits may still apply.
The price of dental insurance depends on factors such as your age, the plan you choose and, with some insurers, your dental situation or missing teeth.
Younger applicants often pay lower premiums, although premiums can increase as they move into higher age bands.
The cheapest plan is not necessarily the best value. Coverage limits and conditions matter just as much as the monthly premium.
Many dental insurance plans cover professional teeth cleaning (Professionelle Zahnreinigung or PZR).
Some reimburse the full eligible cost, while others have an annual or multi-year limit.
Check both the reimbursement percentage and the maximum amount when comparing plans.
Concordia ZAHN SORGLOS is a supplemental dental insurance plan with broad benefits for dental treatment and high-quality dental care.
Depending on the treatment and plan conditions, benefits include dental treatment, dentures, implants, professional teeth cleaning, orthodontics and certain pain and anxiety-relieving treatments.
The plan provides up to 100% reimbursement in many benefit areas, subject to its conditions and applicable limits.
Concordia currently offers ZAHN SORGLOS without a general waiting period.
That means eligible benefits can be available from the start of the insurance.
However, treatment that was already planned or recommended before the insurance began is generally not covered, and the plan has reimbursement limits during the first years.
ZAHN SORGLOS currently limits eligible reimbursements for dentures and orthodontics during the first three insurance years.
The current limits are:
Different rules can apply after an accident and for qualifying customers switching from previous dental insurance.
Not necessarily.
ZAHN SORGLOS offers strong benefits, but the best dental insurance depends on your age, dental situation, missing teeth, planned treatment, budget and the benefits that matter most to you.
NEOdirect compares ZAHN SORGLOS with dental plans from other German insurers and explains the differences in English or Hindi.
The goal is not to find the plan with the biggest headline percentage. It is to find the plan that fits you.
Not sure which dental plan fits you?
Book a free dental check with NEOdirect. We compare suitable plans and explain the differences in English or Hindi.
Note: The benefits shown here refer to the current Concordia product. For contracts concluded at an earlier date, the scope of benefits may differ. Benefits may be presented here in abbreviated form. You will find the exact scope of benefits in the insurance terms. For further information, please contact your Concordia advisor.
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