Dental care is an important part of your health and well-being, but if you are living in Germany, it can also be quite expensive. Choosing the best dental insurance in Germany can be confusing due to the many options available in the market. How do you choose the right plan for your needs and budget? What does dental insurance in Germany cover and what are the benefits of having it? In this article, we will answer these questions and more, and help you compare the top private dental insurance providers in Germany: Getsafe, Ottonova and Feather Insurance.
Dental insurance comparison In Germany
Each person has different requirements, and therefore, the best dental insurance provider depends on your individual needs and personal situation. However, some general criteria that you can use to evaluate and compare dental insurance providers are:
Cost: How much do you have to pay monthly or annually for the dental insurance plan? Is it affordable and worth the coverage?
Family coverage: Does the dental insurance plan cover your spouse and children as well? If so, how much extra do you have to pay for them?
Reimbursement: How much will the dental insurance provider reimburse you for the dental treatments and procedures that you need? Is there a maximum limit or a percentage of the cost that they will cover?
Deductible: How much do you have to pay out of your own pocket before the dental insurance provider starts to reimburse you? Is there a minimum or a maximum amount that you have to pay?
Teeth Cleaning: Does the dental insurance plan cover professional dental cleanings and how often? Are there any restrictions or limitations on the type or frequency of the cleaning?
Service limitations: Are there any services or treatments that are not covered by the dental insurance plan? Are there any waiting periods or exclusions that apply to certain services or treatments?
On the below table, we compare the dental insurances from Getsafe, Ottonova and Feather Insurance.
As you can see, the three providers offer very similar dental insurance plans, with only minor differences in the cost, cleaning and reimbursement amounts. Therefore, you may want to consider other factors, such as customer service, online convenience, reviews and ratings, when choosing the best dental insurance provider for you.
Should You Buy A Dental Insurance In Germany?
Dental care can be quite expensive, and in Germany, public health insurance typically only covers up to 75% of the costs. This means that even routine dental procedures can leave you with a significant financial burden. Additional dental insurance, if you purchase it as an additional insurance from the public insurances like Techniker Krankenkasse on top of your current statutory health insurance, or if you buy from other private dental insurance providers can give you peace of mind.
Anyway, there are some good reasons to buy a dental insurance in Germany, like:
Saving money: Dental treatments and procedures are very expensive in Germany, especially if you need high-quality materials or complex operations. The public health insurance (for eg: TK, AOK) will only cover a small portion of the dental treatment costs, leaving you to pay the rest. With a dental insurance, you can get reimbursed for most or all of the cost, depending on your plan, and avoid paying high dental bills out of your own pocket.
Protecting your health: Dental health is also about preventing infections, diseases and complications that can affect your overall health and well-being. By having a dental insurance, you can afford to get regular checkups, cleanings and treatments that will keep your teeth and gums healthy and prevent future problems.
Having more options: If you rely on your public health insurance, you may have to settle for the cheapest or the most basic dental services and materials, which may not be the best for your dental health or your satisfaction. With a dental insurance, you can have more options and choices, such as high-quality fillings, crowns, implants, veneers and teeth whitening, and get the best dental care possible.
Therefore, you have to weigh the pros and cons of buying a dental insurance in Germany, and decide if it is worth it for you. You may also consult with a professional or an expert who can help you find the best dental insurance plan for you.
What Does Dental Insurance In Germany Cover?
Dental insurance in Germany covers different dental services and treatments, depending on the plan that you choose. However, some of the most common and important ones are:
Dental treatment: This includes the basic and necessary dental care that you need to maintain your dental health, such as checkups, fillings, root canals, extractions, periodontal treatment and emergency treatment. Most dental insurance cover 100% of the cost of dental treatment, regardless of the type or quality of the material used.
Prophylaxis: This includes the preventive dental care that you need to avoid dental problems and diseases, such as professional dental cleaning, fluoride treatment, sensitivity treatment and fissure sealant. Most dental insurance plans cover up to €80 per year for prophylaxis, which is usually enough for one or two sessions.
Dentures and implants: This includes the restorative dental care that you need to replace missing or damaged teeth, such as crowns, bridges, implants, inlays, veneers and dentures. Most dental insurance plans cover up to 90% of the cost of dentures and implants, but the reimbursement amount may increase gradually over the first four years of the contract, and there may be a maximum limit per year or per tooth.
Teeth whitening: This includes the cosmetic dental care that you need to improve the appearance of your teeth, such as bleaching, whitening strips, gels and trays. Some dental insurance plans cover up to €200 for teeth whitening every two years, but this is not a standard benefit and may vary depending on the provider and the plan.
These are the main categories of dental services and treatments that are covered by dental insurance in Germany, but there may be other ones that are not mentioned here, such as orthodontics, oral surgery, anaesthesia, etc. You should always check the details and services offered of your dental insurance plan to see what is covered and what is not, and how much you can expect to be reimbursed.
Who Is The Best Dental Insurance Provider In Germany?
Ottonova is a new generation private health insurance provider in Germany. They are one of the first fully digital private health insurance companies, offering its services entirely online and officially providing English support.
They have many reviews in Trustpilot and Google Reviews.
Ottonova offers three Dental insurance plans Economy Class, Business Class, First Class. The basic plan Economy Class starts from €8.80 and covers basic treatments from dental cleaning, basic treatments up to 100%, and the cover starts immediately after the approval. The other plans add up more services and benefits.
Feather is another new-generation insurance provider that primarily focuses expats in Germany. They offer all of their services digitally and in English, making it convenient for expats to navigate the German insurance landscape. Feather provides two dental insurance plans: Basic cover and Advanced cover.
When you get a dental insurance from Feather, there are no waiting times to use it once the policy becomes active! But remember that any procedures you had an appointment for or planned before applying for dental insurance won’t be covered, so it’s good to sign up for insurance and then plan for upcoming procedures.
Checkout the reviews in Trustpilot about Feather
Like the other private insurance providers, Getsafe is also a new generation insurance provider who is fully digital and provides English support. Getsafe is also one of the popular insurance provider with more than 500k customers.
Getsafe offers only one plan. However, during the signup process, they ask you questions and, based on your answers, they recommend specific add-ons for your insurance plan. So that at the end, you have your own custom insurance plan.
In Trustpilot, getsafe is rated 4 out of 5 and has just under 3500 reviews. They have a good reputation on Google Reviews as well, rated 3.7 out of 5 with close to 1500 reviews.
Emergency Dentists in Germany
Generally, dental insurance in Germany covers routine checkups, cleanings, and fillings. But if you need emergency dental care outside of regular office hours, you can find a dentist on call through the Zahnärztlicher Notdienst website. This website lists dentists who provide urgent care, even on weekends and holidays.
Conclusion
Getting dental insurance in Germany can really help your teeth and your wallet. It saves money, keeps you healthy, and offers more choices. But picking the right one can be tough. You need to find the best plan, pay regularly, and handle all the paperwork. That's why it's important to look around, check different options, and maybe talk to an expert for advice. We hope, this article has provided you with a good understanding on choosing the right dental insurance in Germany. You can now compares three top providers: Getsafe, Ottonova, and Feather.
Frequently asked questions
What should I consider when choosing a dental insurance provider in Germany?
Consider factors such as coverage for routine check-ups, treatments, reimbursements for major procedures, waiting periods, annual limits, cost of premiums, network of dentists, and customer service.
You can find out more in the above guide