What Is The Best Dental Insurance

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What Is The Best Dental Insurance

Thinking of getting new dental insurance in Germany? In this article, you will find everything you need to know about dental insurance in Germany, including why and who is eligible for new dental insurance. I will also share my personal experience with dental insurance in Germany, and the top 3 dental insurance providers for expats here.

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If you don't have much time, here are the highlights of the 3 best dental insurance companies in Germany:

Ottonova: 100% digital. British services. 3 different projects. There is no waiting time. Very quick return. The service of ordering and finding an English teacher for you. From 8.8 Euros per month. Get a 30 Euro Amazon voucher by using the code "Hello2023".

Getsafe: 100% digital. British services. One simple project. There is no waiting time. Refund within 48 hours. From 9.38 Euros per month. A discount of 15 Euro here!

Feather: 100% digital. British services. Two different programs. There is no waiting time. It can be canceled at any time. From 9 Euros per month.

Best Dental Insurance Providers Of 2023

Continue reading for more details about dental insurance in Germany. Click below for a detailed comparison chart of the best dental insurance.

Disclaimer: Please note that this article is intended to give you a brief overview of dental insurance in Germany. This blog is not an insurance site and is not qualified to give you financial advice in accordance with German law. If you need more details and specific advice about your personal situation, refer directly to insurance companies' websites or contact an independent financial adviser.

Dentists in Germany are highly trained professionals and dental care follows strict rules. Fortunately, there is no shortage of dentists in Germany. Although not certified, dentists in Germany can speak English. I have been to different dentists in Germany so far and almost all of them speak English. Someone speaks good English to me.

If you have public health insurance in Germany, your coverage will include dental care. Unfortunately, to cut costs, many public health insurance companies have significantly reduced dental coverage. Therefore, only common medicines are fully covered by public health insurance. For example, root fillings, dental examinations, scaling, cleanings, wisdom teeth extractions.

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For many other medicines, you have to pay a co-payment yourself. For example, professional teeth cleaning, crowns, bridges, or root canals. If you need advanced dental treatments, it can cost you hundreds or thousands of Euros because the public health insurance will only cover your costs.

With public health insurance, you go to your dentist for your treatment. You then have to pay for the amount not covered by your public health insurance.

This is why many people with health insurance in Germany choose to buy new dental insurance to get better coverage.

Remember, your public health insurance may cover a higher percentage of your costs if you go for regular dental checkups. For example, if you go to the dentist regularly for 10 years for preventive care, your public health insurance may cover 75% of your costs. This will encourage you to look after yourself and thereby reduce the cost of medicines.

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Private dental insurance depends on your personal plan. Dental coverage is more affordable than public health insurance and you may get up to 100% for major dental care.

In addition, with private health insurance, you can get to the doctor faster and also have access to specialists.

Make sure you pay for the treatment yourself first, then submit a claim to your private health insurance for reimbursement.

For more details, see this article: Private vs public insurance: Which is better for Expats in Germany?

Best Dental Insurance Of 2023

Unlike public health insurance, private health insurance has a waiting period for new policy holders. During this waiting period, policyholders will not be fully reimbursed for dental care. The length of the waiting period depends on the personal privacy policy and can last for several months.

With private health insurance, you don't need to buy additional dental insurance. That's because dental coverage is very common. If you need more coverage for dental care, you should ask your current private health insurance to upgrade to a better plan.

As public health insurance does not offer comprehensive dental coverage, many people choose to purchase additional dental insurance to close the gap. This is called "Zahnzusatzversicherung" in German. Please note that you can only buy new dental insurance if you have public health insurance in Germany! If you have private health insurance, you should talk to your insurance company to upgrade your plan if you need good dental care.

Supplementary dental insurance in Germany usually provides a full dental service. This can include professional teeth cleaning and major dental procedures such as implants, root canals, fillings, and more. Insurance depends on insurance companies. You should read the agreement carefully to understand exactly what is and is not included.

How To Choose The Best Dental Insurance Plan

With new dental insurance, you pay your dentist first and then submit your claim to your dental insurance for reimbursement.

We have selected the following as the 3 best insurance providers for expats in Germany. The bottom panel can be moved depending on your screen.

Advanced plan: No limit except orthodontics (as per the basic plan) and dentures (for the first 4 years).

We have selected the best dental insurance in Germany based on our personal experience, online reviews, and detailed research. We do not provide full market information. Please note that the information in this article is correct as of the date this article was written and may change at any time in the future. Check the insurers' websites for the latest information.

Financial Options & Best Dental Savings Plan

Ottonova is the best dental insurance for expats in Germany. It is cheap and provides a full dental service. All its services are 100% digital and available in English. You can get up to 30 Euro Amazon voucher by using the code “Hello2023“.

The monthly payment depends on your age. Please note that there is an annual limit on the amount of the additional payment for the first 48 months. The limit starts with 800 Euro and increases by 800 Euro every year. This limit does not apply if you need emergency dental care as a result of an accident.

Ottonova offers three different plans depending on your needs. You can switch between these plans at any time. All programs have no waiting period.

Getsafe is another great option for expats looking for dental insurance in Germany. You can register and manage everything online or through its app. It is easy to use and provides great coverage at a low price. You can get a 15 Euro discount by using this link to register.

Compare Individual Dental Insurance Plans

Getsafe offers one simple plan and monthly payments depend on your age. Generally, the premium will increase every 5 years.

Getsafe has an annual premium limit for the first 48 months of your insurance policy. During the first 12 months, you can repay up to 800 Euros. But this limit will increase by 800 Euros per year and become unlimited after 48 months. The limit does not apply if you need emergency treatment.

Feather also offers dental insurance in Germany and offers services in English. It's digital, easy to use, and you can sign up in 5 minutes.

Feather offers two different plans (basic and advanced) depending on your needs. With the basic plan, there is an annual payment limit of 150 Euros in the first year and 300 Euros in the second year. Starting in the third year, there is no other limit except orthodontics (limit 2000 Euro per year)

Important Steps For Choosing Dental Insurance

Advanced dental procedures include bridges, crowns, implants, inlays, onlays, dentures, other dental rejuvenation procedures, and teeth whitening.

The advanced plan has an annual payment limit during the first 4 years for dental replacements. However, there is no payment limit for treatments included in the basic plan (except orthodontics).

In general, I think that everyone with public health insurance in Germany should consider buying additional dental insurance. In these cases, it is more likely to get additional dental insurance in Germany:

You don't want to use your savings when you have a dental problem. It can have the BEST SECURITY. From a few hundred to thousands of Euros! Your public health insurance may cover 30-60% of the costs, or sometimes none at all. In the

Dentistry In Germany

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