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.

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.