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Cavity fillings in Germany

Tooth decay is one of the most common dental problems—and if left untreated, it can lead to pain, infection, or even tooth loss.


A cavity filling is a simple and effective way to stop decay and restore the health of your tooth.


But in Germany, the cost of a filling depends on the material used, where the cavity is located, and what kind of health insurance you have.


**Prices average €140 but typically range from €30 for a cement filling to over €600 for gold.**


[Public health insurance](https://feather-insurance.com/health-insurance/public) (GKV) covers only the standard treatment, so patients often face out\-of\-pocket costs—especially if they choose a more durable or natural\-looking option.


In this guide, you’ll learn:


- What cavity fillings are and when you need one
- The different types of filling materials available
- How much fillings usually cost in Germany
- What public, private, [dental insurance](https://feather-insurance.com/dental-insurance) and expat insurance covers
- And six practical ways to save money on cavity fillings


By the end, you’ll know exactly what to expect—so you can protect your teeth without overspending.


Let’s get started.


## What are cavity fillings?


Cavity fillings are used to repair teeth damaged by tooth decay. 


First, a dentist removes the decayed part of the tooth using a drill or special tools. A local anesthetic is usually given to numb the area. 


Once the decay is removed, the space, called a cavity, is filled with a strong material that restores the tooth’s shape and function.


The filling is shaped and polished to fit naturally with your bite. 


How long a filling lasts depends on the material used, brushing and flossing habits, and diet. Some materials, like gold or ceramic, are very long\-lasting. Others, like composite resin or cement, may wear down faster. 


### Types of dental fillings


Different fillings are available in Germany, each with specific features, benefits, and costs. 


Here’s a closer look at the most common types:


#### 1\. Composite resin (tooth\-colored or plastic filling)


Composite resin is currently the most popular filler choice, especially for visible areas.


- Made of plastic mixed with ceramic, glass, or quartz particles.
- Matches the color of natural teeth—ideal for front or visible teeth.
- Bonds directly to the tooth, preserving more of the healthy structure.
- Applied in a soft form, then hardened with a special light.
- Suitable for both adult and baby teeth.
- Mercury\-free and considered safe for long\-term health.
- **Cost:** Around €120 per tooth.


Although not as durable as gold or ceramic, composite fillings offer a good balance of appearance, safety, and affordability.


#### 2\. Amalgam (metal filling; being phased out)


Amalgam fillings are silver\-colored and very durable. Once widely used for back teeth, they are being phased out due to health concerns.


- Strong, long\-lasting, and affordable.
- It contains mercury, which has raised safety concerns.
- As of January 1, 2025, amalgam will generally no longer be used under EU rules.


While still found in older fillings, dentists now have to offer mercury\-free alternatives.


#### 3\. Ceramic (inlays)


Ceramic fillings are high\-quality, tooth\-colored, and custom\-made for a precise fit.


- Made in a dental lab to match your tooth’s shape.
- Very durable and resistant to wear and staining.
- Offers a natural appearance, especially in back teeth.
- **Cost:** Typically between €400 and €800 per tooth.


Though more expensive, ceramic inlays are long\-lasting and blend well with surrounding teeth.


#### 4\. Gold (inlays/onlays)


Gold fillings are strong, long\-lasting, and well\-suited for larger cavities, especially in the back of the mouth.


- Made from a mix of gold, copper, and other metals.
- Highly durable and rarely causes allergic reactions.
- Custom\-made in a lab and fitted to the tooth.
- Visibly noticeable due to color.
- **Cost:** Around €650 per tooth.


Gold fillings are a premium option—highly effective but more expensive and less discreet.


#### 5\. Cement (temporary or base filling)


Cement fillings are typically used as a temporary fix or as a base under other fillings or crowns.


- Quick to apply and very affordable.
- Not tooth\-colored and less durable.
- Often used in baby teeth or while waiting for a permanent solution.
- **Cost:** Between €20 and €40\.


These are not intended for long\-term use but are helpful in specific cases.


## How much do cavity fillings cost in Germany?


The cost of a dental filling in Germany depends on the material used, the size of the cavity, and where it is located in the mouth. 


Materials like gold and ceramic are more expensive, partly because they require extra steps. 


These fillings are custom\-made in a dental lab, which involves taking an impression of the tooth and fitting it later. In the meantime, the dentist uses a temporary cement filling to protect the area.


In contrast, composite (or “plastic”) fillings can be applied in one visit. Once placed, the tooth is immediately functional again.


Here’s an overview of typical costs per tooth without insurance:




| **Filling material** | **Used for** | **Estimated cost per tooth** |
| --- | --- | --- |
| Cement | Temporary fillings and baby teeth | €20 to €40 |
| Amalgam | No longer used since Jan 2025 | €50 to €70 |
| Composite (Plastic) | Front teeth and molars | €60 to €300 |
| Ceramic | Molars | €400 to €800 |
| Gold | Molars | €500 to €1,100 |


Prices can vary depending on the dentist, the complexity of the filling, and the materials used. 


## Does German health insurance cover cavity fillings?


**Yes, but not always entirely**. 


How much is covered depends on your type of [health insurance](https://feather-insurance.com/blog/health-insurance-germany-guide/), the materials used, and your insurance provider. 


Let’s break it down.


### What does public health insurance (GKV) cover?


If you’re covered by Germany’s statutory health insurance (GKV), you’re entitled to **basic dental care**, including simple fillings. But coverage is limited.


Here’s what you need to know:


- **GKV covers standard plastic (composite) fillings**—but only up to the cost of basic care. According to TK, this typically means €40–€50 per tooth.
- **Cement fillings are fully covered**, but they’re less durable.
- **Ceramic or gold fillings** are considered premium or cosmetic and are *not* covered.
- Even with the same material, **replacing an intact filling isn’t covered** unless medically necessary.


If you choose a more expensive option, like a ceramic inlay, GKV will reimburse only the amount they’d pay for a standard filling. You cover the rest.


#### Example of out\-of\-pocket costs with GKV:




| **Type of filling material** | **Cost** | **Average covered by GKV** | **You pay** |
| --- | --- | --- | --- |
| Cement | €30 | €30 | €0 |
| Composite/Plastic (Standard care) | €75 | €45 | €30 |
| Ceramic | €500 | €45 | €455 |
| Gold | €625 | €45 | €580 |


### What does supplemental dental insurance cover?


Because public insurance offers limited dental coverage, many purchase [dental insurance](https://feather-insurance.com/dental-insurance) for better protection.


Coverage varies by provider and plan. Let’s look at **Feather’s** plans as an example:


- Year 1: €150 worth of coverage
- Year 2: €150 worth of coverage
- After Year 2: No limit on coverage for fillings


Note that unused limits roll over, so if you’re in your second claim\-free year, here’s what you might pay:




| **Type of filling material** | **Cost** | **Average covered by GKV** | **Covered by Feather** | **You pay** |
| --- | --- | --- | --- | --- |
| Cement | €30 | €30 | €0 | €0 |
| Composite/Plastic (Standard care) | €75 | €45 | €30 | €0 |
| Ceramic | €500 | €45 | €300 | €155 |
| Gold | 625 | €45 | €300 | €280 |


From year three onward, you’d be fully covered for all of the above with Feather.


Check out our post on [Germany’s best dental insurance](https://feather-insurance.com/blog/best-dental-insurance/) to find the perfect plan for you.


### What does private health insurance cover?


[Private health insurance](https://feather-insurance.com/health-insurance/private) usually offers **more comprehensive dental coverage**, but the benefits depend on your plan.


Using Feather’s private insurance as an example:


- **Fillings are covered 100%**, regardless of the material.
- For inlays, you can choose your reimbursement levels (70%, 80%, or 90%) depending on your plan: Standard, Plus, or Premium.


### What does expat (incoming) insurance cover?


[Expat insurance](https://feather-insurance.com/health-insurance/expat) is one of Germany’s most affordable health insurance, so dental coverage tends to be **limited**—though this varies by plan and provider.


Using Feather’s insurance as an example:


- **Basic short\-term plan**: Up to €500 for pain\-relieving treatments, including simple fillings.
- **Premium short\-term plan**: Up to €1,000 for the same.


For **long\-term expat plans** (available after a 6\-month waiting period):


- **Standard plan:** Up to €750 in coverage.
- **Premium plan:** Up to €1,125 in coverage


The coverage excludes any pre\-existing conditions known, treated, or diagnosed before the cover commenced. That’s one of the reasons why this insurance is so affordable.


## When should you get cavity fillings?


Dental fillings are used to treat cavities and prevent further tooth decay. If left untreated, cavities can lead to more serious damage, possibly requiring a crown—a cap that covers the whole tooth. [Crowns](https://feather-insurance.com/blog/dental-crown) are typically more expensive than fillings.


A filling is needed when tooth decay creates a hole, or cavity, in a tooth. Your dentist will remove the decayed part and fill the space to restore the tooth. Fillings also help with:


- Cracks or chips in teeth
- Wear and tear from grinding or friction
- Erosion caused by acids
- Neck defects and worn biting surfaces


A filling is a good option if the tooth still has enough healthy structure left. If too much of the tooth is damaged, a crown or other restoration may be necessary.


You should see your dentist if you notice any of these signs:


- A visible hole or rough spot you can feel with your tongue
- Sensitivity to hot, cold, sweet, or sour foods
- Pain when chewing or pressure on the tooth


Your dentist can examine the tooth and ask if a filling is needed. It’s always best to ask for a professional opinion if you’re unsure. Temporary fillings may also be an option in some cases.


## 6 tips for more affordable cavity fillings


Getting a cavity filled doesn’t have to break the bank. 


Here are six simple ways to make dental fillings more affordable:


### 1\. Take advantage of warranties


Dental offices offer a warranty on fillings. If your filling falls out or gets damaged within two years, your dentist should replace it at no cost. Be sure to confirm this with your provider.


### 2\. Compare quotes


Costs for fillings can vary between dentists. Call around and ask for estimates before you commit. A few quick phone calls could save you a lot.


### 3\. Ask about payment plans


Many dentists offer payment plans that let you spread the cost over time. Just be sure to ask about interest rates or extra fees so there are no surprises.


### 4\. Consider cheaper filling materials


Some materials cost less but still do the job well. Ask your dentist if there are more affordable options that will work for your specific case.


### 5\. Look for discounts


Some dentists offer discounts if you pay in cash or refer new patients. It’s also okay to mention financial challenges—your dentist might be willing to lower the cost or work with you.


### 6\. Get dental insurance


If you have dental insurance, check your plan to see how much it covers. Insurance can significantly lower your out\-of\-pocket cost for fillings.

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Tooth Extraction in Germany

Having a tooth removed is never anyone’s first choice, but sometimes, it’s the best option for protecting your dental health.


Extractions are a common dental procedure in Germany, whether it’s due to severe decay, a stubborn wisdom tooth, or overcrowding. 


The exact cost can vary depending on the complexity of the case and the type of health insurance you have.


Generally, a “simple” tooth extraction costs between €130 and €220, while surgical removals or added anesthesia can increase the price. Fortunately, public and private health insurance often cover most, if not all, of the cost, especially when the procedure is medically necessary (which it typically is).


In this guide, you’ll learn:


- What a tooth extraction is, and when it is needed
- The average cost in Germany
- What public, private, and supplemental insurance plans cover
- How wisdom teeth removals are handled
- And our tips for preparing for the procedure


Let’s get started.


## What are tooth extractions?


Tooth extraction is the removal of a tooth from its socket in the jawbone. Extractions are often the best solution for protecting oral health when other treatments can’t help.


Dentists usually turn to extraction as a last resort—only after options like fillings, crowns, or root canals have been ruled out. 


The procedure can involve baby teeth or permanent teeth, including wisdom teeth.


A dentist may recommend a tooth extraction when:


- The tooth is severely decayed or broken beyond repair
- There’s a serious infection that can’t be treated
- The tooth is causing crowding or damaging nearby teeth
- A wisdom tooth is impacted, infected, or growing at an awkward angle


Wisdom teeth, also known as third molars, are the most commonly removed. Because they’re the last to come out, there often isn’t enough space in the mouth to fit them properly. 


Some stay trapped under the gums or grow in sideways, which can lead to pain, infection, or other issues. 


In such cases, surgical removal is usually needed.


## How much do tooth extractions cost in Germany?


The average cost of a simple tooth extraction in Germany is around €195, with prices typically ranging from €130 to €220, based on the German Fee Schedule for Dentists (GOZ). 


However, the total cost depends on the complexity of the procedure and any additional services, while the cost you pay out of pocket will vary depending on your health insurance.


The total cost will usually include:


1. **Removing the tooth:** A standard extraction falls within the €130–€220 range. If you needs surgical removal (called an osteotomy), the cost is similar but may lean toward the higher end.
2. **Anesthesia:** Basic local anesthesia is often included, but sedation or general anesthesia adds extra costs. The first hour of analgesia is about €350, while general anesthesia can cost up to €500\.
3. **Replacing the tooth:** If the extracted tooth needs to be replaced (e.g., with an implant or denture), the cost can rise significantly—sometimes reaching several thousand euros. Wisdom teeth, however, usually do not require replacement.


## Does German health insurance cover tooth extractions?


Yes, most health insurance plans in Germany offer some level of coverage for tooth extractions. However, what you pay out of pocket depends on the type of insurance you have and whether the procedure is considered medically necessary.


Let’s break down how each type of [health insurance in Germany](https://feather-insurance.com/blog/health-insurance-germany-guide/) handles tooth extractions:


### What does public health insurance (GKV) cover?


Statutory (ie, public) health insurance (GKV) usually covers **100% of the cost** for medically necessary tooth extractions, including local anesthesia. This also includes wisdom tooth removal (if your dentist thinks it necessary). 


In these cases, you typically pay **nothing**.


#### What’s not fully covered?


- **Extra anesthesia options** like nitrous oxide or general anesthesia are usually **not included**, unless there’s a medical reason (such as a fear of dental procedures or an allergy to local anesthetics). If you want “premium” anesthesia, you’ll have to pay:  

	- **€125–€175** for nitrous oxide sedation
	- **€250–€350** for general anesthesia
- **Tooth replacement** isn’t fully covered either. Public health insurance typically pays **about 60%** for the most basic solution (like a simple crown or bridge). If you opt for **implants or premium dentures**, coverage may drop to **10%**, and you have to pay the rest.


### What does supplemental dental insurance cover?


Supplemental dental insurance can reduce your costs, especially for **pain management and tooth replacement**.


These plans’ terms and conditions vary, but typically offer **more coverage** than TK or other public health insurance companies. 


For example, Feather’s dental insurance provides:


- **100% coverage** for a wide range of pain relief methods, including:  

	- General anesthesia
	- Nitrous oxide sedation
	- Analgo\-sedation
	- Hypnosis
	- Acupuncture
- **80–100% coverage** for replacing missing teeth (on the Advanced plan only).






### What does private health insurance cover?


[Private health insurance](https://feather-insurance.com/health-insurance/private) also covers tooth extractions, typically **at 100%**, including local anesthesia.


Because different companies offer private plans, benefits can vary. 


Using Feather’s plans as an example, here’s what your coverage looks like:


- You’re always covered for **local anesthesia**.
- On the Premium and Plus plans, you **may also be covered** for general anesthesia or nitrous oxide sedation if:


1. The dental clinic offers the desired type of anesthesia.
2. A pre\-approval request has been submitted to and accepted by our team.


### What does expat (incoming) insurance cover?


Expat insurance’s benefits varies depending on the plan and company. 


To give you a better idea of what you can expect, here’s what Feather covers:


**Our short\-term expat insurance** covers tooth extractions under the €500 (Standard) or €1,000 (Premium) annual limit for pain\-relieving and restorative dental care.


**Our long\-term expat insurance** (for stays over 5 years)**,** covers tooth extractions under the €750 (Standard) or €1,1125 (Premium) general allowance for routine dental treatment. This benefits becomes active after a 6\-month waiting period.


**Important Note:** These benefits apply only to **new dental issues** that start after your policy begins. Pre\-existing conditions—anything diagnosed, treated, or known before coverage started—are excluded.


## When should you get a tooth extraction?


Tooth extraction is typically a last resort, but it may be necessary when a tooth is too damaged to repair. Your dentist might recommend removal if you have:


- Severe decay that can’t be restored
- A tooth that’s fractured, broken, or has a damaged root
- An impacted tooth, like a wisdom tooth that can’t emerge properly
- Overcrowding, especially before orthodontic treatment
- Advanced gum disease that harms the bone or tissues
- A loose tooth from injury (tooth luxation) or trauma
- A serious infection in the tooth nerve or surrounding bone
- Inflammation of the periodontal ligament that can’t be treated


In urgent cases, immediate extraction helps prevent further pain, infection, or complications.


## How to prepare for teeth removals


Removing a tooth might sound scary, but it’s *usually* easier than expected. With the proper prep, you’ll be just fine, and heal in no time. 


Here are our top tips for a successful tooth extraction:


### Before the procedure:


1. **Stay calm:** It’s not as bad as it sounds. Most people are surprised by how quick and painless it feels once the numbing kicks in.
2. **Know the anesthesia rules:** With general anesthesia, do not eat or drink anything for 12 hours before. With local anesthetic, fasting may not be required, but ask your dentist.
3. **Take the day off:** Plan for rest. If you can, schedule your extraction on a Friday so you have the weekend to recover.
4. **Prep your meals in advance:** You won’t feel like cooking afterward.
5. **Prepare soft, easy\-to\-eat foods:** A non\-exhaustive list might include: Broths, yogurt, pudding, applesauce, or protein shakes.
6. **Ice packs are essential:** Get soft, gel\-based ice packs or a jaw strap wrap. Use them regularly to reduce swelling. Always wrap them in a towel—do not apply ice directly to your skin.


### After the procedure


1. **Plan a ride home:** Ask a friend or family member to drive you home, or take a cab. You may feel groggy or dizzy after the procedure, especially with sedation.
2. **Take it easy:** Rest for at least **48 to 72 hours**. Avoid exercise or anything that raises your heart rate—this can increase bleeding and slow healing. Ask your dentist when it’s safe to return to normal activity.
3. **Stick to soft, cold foods:** Gradually move on to mashed potatoes, scrambled eggs, and soft pasta. Avoid anything hot, spicy, or hard at first.
4. **Don’t use straws:** Avoid using straws for at least **24 hours**. The suction can dislodge the blood clot and cause a painful condition called **dry socket**.
5. **No smoking:** Smoking slows healing and increases the risk of dry socket. Try nicotine patches if needed, but avoid cigarettes completely during recovery.
6. **Avoid rinsing (too hard):** Rinse your mouth gently, if at all, for the first day. Follow your dentist’s instructions on how and when to start rinsing.

[BP] tooth extraction

Orthodontics in Germany

Braces are the most common treatment for straightening teeth. They can also improve speech, chewing, and aesthetics. 


However, orthodontic treatment in Germany can be expensive: up to €9000 (though on average, it’s closer to €4500\).


Readers often ask us what braces cost, and whether statutory or private insurance will help cover the bill. The answer depends on several key factors: your age, the severity of your misalignment (malocclusion), and the type of health insurance you have.


In this guide, you’ll learn:


- What orthodontics involves and why it matters
- The types of braces available in Germany (including Invisalign)
- How much different treatments cost
- What’s covered by public, private, and supplemental insurance
- And our top tips for making orthodontics more affordable


By the end, you’ll better understand how orthodontic care works in Germany and how to make wise decisions for yourself or your family.


## What is orthodontics?


Orthodontics is a branch of dentistry that corrects misaligned teeth and jaws. 


Common issues orthodontists treat include: 


- Crooked teeth
- Crowded spacing
- Bite problems include overbite, where the upper teeth extend too far over the lower teeth.


These misalignments aren’t just cosmetic. 


Left untreated, they can lead to difficulty chewing, speaking, or cleaning teeth properly. 


That’s why orthodontic care is often essential, especially for children and teens. Nearly one in two teen requires orthodontic treatment to guide their teeth into healthier positions and prevent complications later in life.


### What orthodontic treatments are available in Germany?


Braces are the most common solution and can be either fixed or removable. The choice depends on the type and severity of the misalignment, as well as the patient’s age and personal preferences.


Let’s take a look at these two options


#### Fixed braces (brackets)


Fixed braces are attached directly to the teeth and stay in place throughout treatment. They are often recommended for moderate to severe misalignments and are known for their reliability and effectiveness. 


There are several types:


- **Metal braces**:These are the most traditional and widely used. Small metal brackets are bonded to the front of each tooth and connected by a wire. They’re especially effective for complex tooth movements.
- **Ceramic braces:** Similar in function to metal braces, using tooth\-colored or clear brackets that make them less noticeable. They’re a popular choice among teens and adults seeking a more discreet option.
- **Lingual braces:** They’re fixed to the back side of the teeth, hiding them from view. While they offer excellent aesthetics, they are more challenging to install and maintain, contributing to their higher cost.
- **Self\-ligating braces:** use a built\-in clip to secure the wire in place, eliminating the need for elastic bands. This can reduce pressure on the teeth and make the installation easier.


#### Removable braces


Removable braces are commonly used to treat non\-severe conditions, particularly in children. 


They consist of a plastic plate with wires or brackets that gently move the teeth and expand the jaw. The braces can be removed for eating and brushing, which many find convenient.


Children often enjoy customizing their braces with bright colors and patterns, making the experience fun. 


On the other hand, adults tend to opt for more discreet options. 


One of the most popular alternatives is Invisalign, a removable brace known as “clear aligners.” They are nearly invisible and worn for about 22 hours a day. These aligners gradually shift the teeth into place. 


Invisalign is ideal for mild to moderate misalignments and is a favorite among adults due to its subtle appearance and flexibility, with no food restrictions and easy cleaning.


## How much do orthodontic treatments cost in Germany?


In Germany, the average cost of braces ranges from **€2,600 to €9,000**, with most people paying around **€4,500**. Prices vary depending on several factors, including:


- The type of braces
- Materials used
- The severity of the misalignment (malocclusion)
- Length of the treatment
- Age of the patient
- Any complications during treatment§


**Maintenance costs** are generally low. Unless parts need to be replaced, you can expect to pay around **€50 to €100 per visit**.


### Average costs by type of braces




| **Type of braces** | **Estimated cost** |
| --- | --- |
| Traditional metal braces | €2,600 – €4,600 |
| Ceramic braces | €4,000 – €5,200 |
| Self\-ligating braces | €4,000 – €5,000 |
| Lingual braces (e.g. Incognito) | €7,500 – €9,000 |
| Invisalign (clear aligners) | €2,800 – €6,000 |


## Does German health insurance cover orthodontics?


Orthodontic treatments, like getting braces, are not fully covered by all [German health insurance](https://feather-insurance.com/blog/health-insurance-germany-guide/) plans. How much you’ll need to pay out of pocket depends on your type of insurance and the severity of the dental issue.


Let’s break it down so you can understand what’s covered (especially if you’re trying to plan for the cost).


### What does public health insurance (GKV) cover?


Statutory (public) health insurance uses *Kieferorthopädische Indikationsgruppen* (KIG), or Orthodontic Indication Groups, to decide if treatment is medically necessary and eligible for coverage.


These “severity levels” range from 1 to 5 and are determined by an orthodontist based on how misaligned the teeth or jaw are.


Here’s a quick overview:




| **KIG Level** | **Description** | **Medical Relevance** |
| --- | --- | --- |
| **KIG 1** | Very mild misalignment (e.g., slight overbite up to 3mm) | Considered cosmetic |
| **KIG 2** | Mild issues (e.g,. slight crowding or spacing) | May be medically helpful |
| **KIG 3** | Moderate misalignments (e.g,. bilateral crossbite, notable crowding) | Medically necessary |
| **KIG 4** | Severe cases (e.g. missing teeth, large overbite, or crossbite) | Medically urgent |
| **KIG 5** | Extreme malformations (e.g., cleft lip/palate, severe underbite) | Medically urgent |


The more serious the condition, the more likely treatment will be reimbursed. 


Now that we’ve gotten this out of the way let’s dive into whether or not you’re covered for orthodontics:


#### Coverage for children


If your child is diagnosed with a KIG level of 3, 4, or 5, public insurance will cover the full cost of treatment as long as it’s approved beforehand.


Here’s how the payment process works:


- Insurance initially covers **80%** of treatment costs.
- Parents pay the remaining **20%** during treatment.
- Once treatment is completed, the remaining 20% is refunded.
- If more than one child is being treated simultaneously, parents only pay **10%** per child.


If the condition is mild (KIG 1 or 2\), the full cost must be paid privately—even if a dentist recommends the treatment.


#### Coverage for adults


For adults over 18, statutory health insurance **only covers orthodontic treatment** if surgery is required due to severe jaw abnormalities.


These conditions may include:


- Congenital jaw or facial deformities (e.g., cleft lip or palate)
- Severe misalignment of the upper or lower jaw (e.g., skeletal dysgnathia)
- Jaw damage from injury


To be eligible, your condition must be assigned a severity level of **KIG B4, D4, K4, M4, A5, or O5**, and the treatment plan must involve both **orthodontics and jaw surgery**.


If this applies, your orthodontist will submit a treatment plan to your insurer for review and approval.


#### What’s not covered?


Even if your treatment is approved, **public insurance doesn’t cover cosmetic or comfort upgrades**. 


This includes:


- Tooth\-colored or transparent brackets
- Super\-elastic or shape\-memory wires
- Lingual braces (on the inside of teeth)


These extras improve the look or feel of the braces but aren’t medically necessary, so they must be paid for privately or via dental insurance.


Talking of which…  


### What does supplemental dental insurance cover?


If public health insurance doesn’t cover the cost of braces—usually because the misalignment is considered minor (KIG 1 or 2\)—supplemental dental insurance can help. 


These plans are designed to fill the gaps left by statutory coverage.


But timing matters: you must take out supplemental insurance before your or your child’s first orthodontic consultation. Most insurers won’t cover treatments for conditions that were already diagnosed. 


That said, in our compilation of the [best dental plans in Germany](https://feather-insurance.com/blog/best-dental-insurance/), we found one that does cover pre\-existing conditions.


Statutory health insurance only covers children and teens **under 18**—and only for severe cases. Private dental insurance makes the **age limit and severity rules more flexible**.


For example, some plans, like Feather’s, cover treatments started before turning **21**, regardless of the severity of the misalignment. 


Supplemental dental insurance can also cover extras, like tooth\-colored brackets or more comfortable wires. Even quality\-of\-life improvements can be reimbursed if the total cost stays within your plan’s limit.


However, when taking out additional dental insurance for orthodontics, please note that there is usually a waiting period of 8 months and that no malocclusion may have already been diagnosed.


Here’s how the coverage limits work at Feather:


- **Year 1**: €150
- **Year 2**: €150
- **After 2 years**: €1,700
- **Total**: €2,000


If you use only part of it in a given year, the limits carry over. For example, if you get reimbursed for €150 in year one but don’t use any benefits in year two, you’ll have **€1,850 available in year three**. 


Note these limits don’t apply if the orthodontic treatment is needed after an accident. In that case, full coverage will be provided regardless of the timeline.




### What does private health insurance cover?


For adults, **orthodontic treatment is rarely covered** by [private health insurance](https://feather-insurance.com/health-insurance/private)—unless it’s needed after an accident.


Coverage is more flexible for children and young adults, but it still depends on the plan and requires **pre\-approval** from the insurer. Most private insurers, including Feather, only cover orthodontics if treatment starts **before age 21**.


The amount reimbursed depends on your private health plan. For example, Feather offers:


- **70% coverage** on the **Standard** plan
- **80% coverage** on the **Plus** plan
- **90% coverage** on the **Premium** plan


Once treatment is approved, your share of the cost will be based on the plan level you chose at signing up.


Most private health insurance plans include an **8\-month waiting period** before orthodontic benefits apply. However, Feather offers several ways to **waive this waiting period**, making it easier to start treatment sooner.


You can skip the waiting period if **any one** of the following applies:


1. **You had comprehensive public or private health insurance** (in any country) for at least **12 months** before starting your new private plan.  
	- To prove this, you’ll need a certificate showing the **start and end dates** of your previous coverage.
	- If you were covered by a public system like the **NHS** or **Medicare**, and no certificate is available, you can request a signed letter from your previous doctor confirming your coverage period.
2. **You completed a medical and dental exam** before joining private insurance.
3. **You had an accident** that now requires medical or orthodontic care.
4. **Your spouse has had private insurance for over 3 months**, and you joined as a dependent **within 2 months of marriage or civil partnership**.


If you don’t meet any of the above conditions, you’ll need to complete a **medical and/or dental check\-up** before your orthodontic claim can be processed.







## When should you get braces?


If you visit your dentist regularly, they’ll likely suggest seeing an orthodontist if there are signs that you may need braces. You might also notice these signs yourself—such as crooked teeth, trouble chewing, or discomfort in your jaw.


Braces are often recommended when the following issues are present:


- **Crowded or crooked teeth:** When there isn’t enough space in your mouth for all your teeth to fit correctly. This can make brushing and flossing difficult, increasing the risk of tooth decay and gum disease.
- **Open bite or gaps between teeth:** Teeth that don’t touch when your mouth is closed may be caused by habits like thumb sucking or inherited traits. Gaps or spacing issues can also interfere with speech and chewing.
- **Misaligned bite (malocclusion):** If your top and bottom teeth don’t align correctly when you bite, it can lead to uneven wear on teeth, jaw strain, and difficulty chewing or speaking.
- **Missing or extra teeth:** Some people are born with too few or too many teeth or lose teeth due to injury. These changes can affect how the rest of your teeth shift and align.
- **Jaw or bone problems:** A misaligned jaw or uneven bone structure can contribute to bite problems and discomfort. Conditions like teeth grinding or TMJ (Temporomandibular Joint Disorder) can make things worse over time.


If you’re experiencing any of these issues—or even unsure—it’s worth getting an orthodontic evaluation. Addressing these problems early can help prevent long\-term dental complications and support better overall health.


## Tips for more affordable orthodontics


Braces can be expensive for several reasons. The materials used—often titanium alloys—are costly, and the treatment itself is complex. Prices also depend on the severity of your case, your location, and your orthodontist’s experience and technology. However, there are ways to reduce costs:


### Consider treatment abroad—with caution
In countries like Poland or Turkey, orthodontic treatment can cost 30–50% less than in Germany. While the quality can be comparable, there are significant risks to consider:
- **Legal differences:** German law does not protect you. You must make legal claims in the country where treatment was received, which can be complex and expensive.
- **Language barriers and follow\-ups:** Communication and aftercare may be challenging, especially since orthodontic treatment often requires frequent visits over time.
If you choose this route, consider purchasing [legal insurance](https://feather-insurance.com/legal-insurance) with international coverage. Some providers in Germany, like Feather, offer this protection, making treatment abroad safer and more feasible.
If you’re still on the fence, here are more resources to read through:
- Explore [why you might need legal insurance in Germany](https://feather-insurance.com/blog/what-is-legal-insurance-why-would-i-need-it/).
- Learn [how legal insurance works in Germany](https://feather-insurance.com/blog/legal-insurance-germany-guide/).
### Do not forget about tax deductions
Orthodontic treatment can often be claimed as an *extraordinary medical expense* on your taxes. However, the deductible amount depends on your income. A tax advisor can help determine how much of your costs are tax\-deductible.
### Reconsider braces
Some orthodontists may say treatment is necessary to avoid long\-term dental problems. However, research shows that braces don’t continually improve health outcomes. There’s **no solid proof** that misaligned teeth increase the risk of cavities, gum disease, or jaw pain. It’s okay to ask your orthodontist for evidence—or a second opinion—before starting treatment, especially for children.
### Choose more affordable treatment options
Metal braces are usually the most affordable option if cost is a concern. They’re durable, effective, and still widely used.
### Set up a payment plan
Many orthodontists offer **monthly installment plans** that spread the cost over 12 to 24 months. This can make treatment more manageable without needing a hefty upfront payment.
### Consider dental insurance
Dental insurance can help cover the cost of braces—especially for children. Look for a plan that includes orthodontics and check the fine print to see what’s covered.

[BP] orthodontics

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Heil- und Kostenplan explained: Germany's dental cost plan in English (2026)

If you've just been handed a pink form by your German dentist and you're staring at it wondering what on earth it means — you're in the right place.

A **Heil- und Kostenplan** (HKP) is a treatment and cost plan that your dentist prepares before any major dental work. It details what treatment you need, what it will cost, and how much your [health insurance](https://feather-insurance.com/blog/health-insurance-germany-guide/) will cover.

This document must be submitted to your [public health insurance](https://feather-insurance.com/health-insurance/public) or [private health insurance](https://feather-insurance.com/health-insurance/private) provider for approval **before** treatment can begin. For public insurance patients, you'll usually receive two cost plans (HKP I and HKP II), while [private insurance](https://feather-insurance.com/blog/health-insurance-guide-private-health-insurance) patients typically receive one.

In this guide, we'll walk through every section of the form, explain the approval process step by step, and show you what you'll actually end up paying.


## What is a Heil- und Kostenplan?

The Heil- und Kostenplan — literally "healing and cost plan" — is a standardized document required by German law whenever a dentist plans to perform dental prosthetic work (Zahnersatz). It serves two purposes:

1. **For you:** It gives you a detailed cost breakdown so you know what to expect before committing to treatment.
2. **For your insurer:** It allows them to calculate and confirm the subsidy (Festzuschuss) they'll contribute toward your treatment.

The form is issued by the [KZBV (Kassenzahnärztliche Bundesvereinigung)](https://www.kzbv.de), Germany's national association of statutory health insurance dentists. Every dentist in Germany uses the same standardized form, so once you understand one, you'll be able to read any Heil- und Kostenplan you receive in the future.


## When is a Heil- und Kostenplan required?

An HKP is required before any **dental prosthetic treatment** (Zahnersatz). This includes:

- [Dental crowns](https://feather-insurance.com/blog/dental-crown)
- [Dental bridges](https://feather-insurance.com/blog/dental-bridge)
- [Dental implants](https://feather-insurance.com/blog/dental-implant)
- Dentures (full and partial)
- Inlays and onlays (in some cases)

An HKP is **not** required for:

- Routine [teeth cleanings](https://feather-insurance.com/blog/teeth-cleaning) (Professionelle Zahnreinigung)
- [Cavity fillings](https://feather-insurance.com/blog/cavity-filling)
- [Tooth extractions](https://feather-insurance.com/blog/tooth-extraction)
- Standard checkups
- [Orthodontic treatment](https://feather-insurance.com/blog/orthodontics) (this uses a separate approval process)

If your dentist recommends any form of Zahnersatz, they are legally required to prepare an HKP before starting treatment.


## The HKP process: step by step

Here's what happens from the moment your dentist identifies the need for dental prosthetic work to when treatment begins:

### 1. Dental examination and diagnosis

Your dentist examines your teeth and determines that you need prosthetic work — for example, a crown to protect a damaged tooth, or a bridge to replace a missing one.

### 2. Dentist prepares the HKP

Your dentist fills out the standardized Heil- und Kostenplan form. This includes recording your current dental status, the proposed treatment (both the standard care option and any preferred alternatives), and the estimated costs.

### 3. You review and sign

Your dentist explains the treatment options and costs. You sign the form to confirm you've been informed. This is a good time to ask questions — especially about the difference between the standard treatment (which insurance subsidizes) and any upgrades you might prefer.

### 4. Submission to your insurer

Your dentist submits the signed HKP to your public health insurance provider (Krankenkasse). Some insurers now accept digital submissions, but many still require the physical form.

### 5. Approval (typically 3-4 weeks)

Your insurer reviews the plan and calculates your Festzuschuss (fixed subsidy). For straightforward treatments, approval usually takes **3 to 4 weeks**. For complex or expensive treatments, the insurer may request a review by an independent expert (Gutachter), which can extend the timeline.

Once approved, you'll receive a confirmation showing exactly how much your insurer will cover and how much you'll need to pay out of pocket.

### 6. Treatment begins

After approval, you can schedule the treatment with your dentist. The approved HKP is typically **valid for 6 months** — treatment must begin within this window. If the treatment plan changes significantly after approval, a new HKP must be submitted and re-approved.


## Understanding the pink form (HKP I): section by section

The HKP I is the main cost plan — the pink form you'll receive from your dentist. Here's what each section means:

### Section 1: Personal information

![Section 1 of the Heil- und Kostenplan showing personal information fields](https://storage.googleapis.com/popsure-blog-content/1/2022/07/page-1-1024x289.jpg)

The first section covers your basic details: your name, date of birth, health insurance provider, and your dentist's information. You'll sign here to confirm that the information is correct. This section is administrative — it won't affect your treatment costs.

### Section 2: Dental findings and treatment plan

![Section 2 of the Heil- und Kostenplan showing dental findings and treatment](https://storage.googleapis.com/popsure-blog-content/1/2022/07/Page-2-1024x695.jpg)

This is where your dentist records the current state of your teeth using standardized abbreviations:

- **Lowercase letters** represent current problems (findings)
- **Uppercase letters** represent the planned treatments

There are two columns to note: the **Regelversorgung** (standard care — what public insurance considers adequate) and the **therapiegeeignete Versorgung** (your dentist's recommended treatment, which may go beyond standard care).

The difference between these two is important: your insurance subsidy is always based on the Regelversorgung, even if you choose a better option.

### Section 3: Coverage — what's insured vs. what isn't

![Section 3 of the Heil- und Kostenplan showing coverage details](https://storage.googleapis.com/popsure-blog-content/1/2022/07/2.jpg)

This section shows which treatments fall under the standard care covered by [public health insurance](https://feather-insurance.com/blog/public-insurance-dental) and which don't.

Here's a common scenario: one of your back teeth dies and needs to be replaced. Public health insurance would cover a **metal bridge** attached to the neighboring teeth — this is the Regelversorgung. But a [dental implant](https://feather-insurance.com/blog/dental-implant), which is usually the better long-term option, goes beyond standard care. If you choose the implant, your insurer still pays the same Festzuschuss (based on the bridge cost), but you cover the rest yourself.

The same applies to cosmetic choices. For example, a fully metal bridge is 100% standard care, but a tooth-colored composite bridge costs more — your Festzuschuss stays the same, and you pay the difference.

This is where [supplemental dental insurance](https://feather-insurance.com/dental-insurance) becomes valuable: it can cover the gap between what public insurance subsidizes and what your preferred treatment actually costs.

### Section 4: Fee schedules (BEMA vs. GOZ)

![Section 4 of the Heil- und Kostenplan showing fee schedule information](https://storage.googleapis.com/popsure-blog-content/1/2022/07/page-4.jpg)

Dentists in Germany don't set their own prices. They follow standardized fee schedules:

- **BEMA** (Bewertungsmaßstab zahnärztlicher Leistungen): The fee schedule for treatments billed through public health insurance. All standard care treatments are billed under BEMA.
- **GOZ** (Gebührenordnung für Zahnärzte): The fee schedule for private or self-pay treatments. GOZ applies when you choose a treatment that goes beyond what BEMA covers — or if you're privately insured.

GOZ fees use a **multiplier system** (Steigerungsfaktor). The standard multiplier is 2.3x, but dentists can charge between 1.0x and 3.5x depending on the complexity. If your dentist charges above 2.3x, they must provide a written explanation.

For example, the same diagnostic work would be listed as:

| BEMA (public insurance) | GOZ (private/self-pay) |
| --- | --- |
| BEMA Pos. 4 — PA Status | GOZ 4000 — PA-Status, GOZ 4005 — Erhebung Gingivalindex |
| BEMA Pos. P200 | GOZ 4070 oder Implantat |

If you're publicly insured and choose only the standard treatment, everything stays under BEMA. The moment you opt for an upgrade (like an implant instead of a bridge), the additional treatment is billed under GOZ.

### Section 5: Final billing

![Section 5 of the Heil- und Kostenplan showing the billing section](https://storage.googleapis.com/popsure-blog-content/1/2022/07/page-5-1024x590.jpg)

The final section shows the total amounts — what your insurance covers, what you pay, and the combined BEMA/GOZ charges. It also includes confirmation signatures from your dentist and, in some cases, from your insurer's appraiser (Gutachter).

If the treatment plan changes after approval, the entire HKP must be redone and resubmitted. This resubmission typically takes another 3-4 weeks for approval.


## The second cost plan (HKP II): private treatments

![The HKP II form for treatments outside standard public health insurance coverage](https://storage.googleapis.com/popsure-blog-content/1/2022/07/Untitled-13-1-707x1024.jpg)

If your chosen treatment includes work that goes entirely beyond what public insurance covers, your dentist will prepare a second form: the **HKP II** (also called the Privatplan or Zusatzplan).

This covers treatments like:

- Implants instead of bridges
- Veneers
- All-ceramic or zirconia crowns when metal would be the standard option
- Other treatments outside the Regelversorgung

If you have [supplemental dental insurance](https://feather-insurance.com/blog/dental-insurance-germany-guide), submit the HKP II to your supplemental insurer as well — they'll confirm what additional amount they'll cover.

Note: purely cosmetic treatments (like veneers for aesthetic reasons only) are generally not covered even by supplemental dental insurance.


## How much will you actually pay?

Your out-of-pocket cost depends on three things: the Festzuschuss from your public insurer, your Bonusheft status, and whether you have supplemental dental insurance.

### How the Festzuschuss (fixed subsidy) works

Public health insurance in Germany doesn't cover a percentage of your actual treatment cost. Instead, it pays a **Festzuschuss** — a fixed subsidy calculated based on the standard care (Regelversorgung) for your diagnosis.

The base Festzuschuss covers **60%** of the Regelversorgung cost. This percentage increases if you've maintained a [Bonusheft](#how-the-bonusheft-bonus-booklet-saves-you-money):

| Bonusheft status | Festzuschuss coverage |
| --- | --- |
| No Bonusheft or < 5 years | 60% of Regelversorgung |
| 5+ consecutive years | 70% of Regelversorgung |
| 10+ consecutive years | 75% of Regelversorgung |

### Cost examples for common treatments

Here's what you'd typically pay for common dental prosthetic treatments, assuming no supplemental insurance:

| Treatment | Total cost (approx.) | Regelversorgung cost | Festzuschuss (60%) | You pay |
| --- | --- | --- | --- | --- |
| Metal crown (standard care) | ~EUR 400 | EUR 400 | ~EUR 240 | ~EUR 160 |
| Ceramic crown | ~EUR 800 | EUR 400 | ~EUR 240 | ~EUR 560 |
| Metal bridge (3 teeth) | ~EUR 800 | EUR 800 | ~EUR 480 | ~EUR 320 |
| Dental implant (single) | ~EUR 2,500 | EUR 400* | ~EUR 240 | ~EUR 2,260 |

*For implants, the Festzuschuss is based on the bridge that would be the Regelversorgung — not the implant cost.

With a 10-year Bonusheft, the crown example drops from EUR 160 to ~EUR 100 out of pocket. Over multiple treatments, this adds up significantly.

With [supplemental dental insurance](https://feather-insurance.com/blog/best-dental-insurance), many of these out-of-pocket costs can be reduced to zero or near-zero — especially for treatments like ceramic crowns and bridges. Check whether [dental insurance is worth it](https://feather-insurance.com/blog/is-dental-insurance-worth-it-germany) for your situation.


## How the Bonusheft (bonus booklet) saves you money

The **Bonusheft** is a small booklet that your dentist stamps each time you attend a checkup. It's free — ask any dentist for one.

Here's how it works:

- **Adults** need to visit the dentist at least **once per year** to get a stamp
- **Children and teenagers** (under 18) need **two visits per year**
- After **5 consecutive years** of documented checkups, your Festzuschuss rises from 60% to **70%**
- After **10 consecutive years**, it rises to **75%**

If you've just moved to Germany, you can ask your dentist to **backdate entries** based on records from your previous dentist — even from abroad, as long as you have documentation.

If you're on a tight budget and qualify as a hardship case (Härtefall) — for example, if you receive unemployment benefits or social assistance — your public insurer may cover **up to 100%** of the Regelversorgung cost.

Your current Bonusheft percentage is shown on the HKP under the "Festzuschuss" line. Make sure it's accurate before your dentist submits the form.

For more on how this works alongside other health insurance benefits, see our guide to the [health insurance bonus program](https://feather-insurance.com/blog/health-insurance-bonus-program).


## HKP for private insurance patients

If you have [private health insurance](https://feather-insurance.com/health-insurance/private), the cost plan process works differently:

- **No HKP I / HKP II split:** Your dentist prepares a single cost estimate based on the GOZ fee schedule
- **No Festzuschuss:** Private insurers reimburse based on your policy terms (typically 70-100% of treatment costs, depending on your plan)
- **Reimbursement model:** You typically pay the dentist directly and submit the invoice to your insurer for reimbursement
- **Cost plan requirement:** Many private insurers require a cost plan for treatments above a certain threshold — for example, Feather's private health insurance requires one for treatments over EUR 2,500. Without it, reimbursement above that limit may drop to 50%

If you have [expat health insurance](https://feather-insurance.com/health-insurance/expat), check your specific policy terms. Some expat plans have waiting periods for dental prosthetic work and annual limits on coverage.

Whether you're publicly or privately insured, **never start expensive dental treatment without getting cost plan approval first.** It's the single most important step to avoiding surprise bills.


## What if you disagree or want a second opinion?

You have several rights as a patient when you receive a Heil- und Kostenplan:

**Get a second opinion:** You can take your HKP (or just your dental records) to another dentist for a second opinion on the diagnosis and proposed treatment. This is your right under German patient protection law, and your insurance should cover the consultation.

**Request a Gutachter review:** If your insurer questions the treatment plan, they may request an independent expert (Gutachter) review. You can also request this yourself if you believe the proposed treatment is excessive or insufficient.

**Compare treatment options:** Your dentist is legally required to inform you about the standard care option (Regelversorgung) and any alternatives. Ask specifically: "What would the standard treatment be, and what are the pros and cons compared to what you're recommending?"

**Negotiate payment:** If you can't afford the full out-of-pocket amount, many dental practices offer installment payment plans. Ask before treatment begins.

**Validity window:** Remember that an approved HKP is valid for approximately 6 months. If you need time to decide, get a second opinion, or arrange financing, you have this window before needing to start treatment.

Watch our breakdown of how dental care actually works here — what public health insurance pays for, what it doesn't, what major procedures cost out of pocket, and how to keep your bills down.

Your guide to dental care in Germany

A complete guide to dental care in Germany for expats. Covers what public health insurance pays for, where the gaps are, how supplemental dental insurance (Zahnzusatzversicherung) works, what common procedures actually cost out of pocket, the role of the Heil- und Kostenplan, and how the Bonus Booklet can save you thousands over time.

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What is standard care at the dentist? Regelversorgung explained

When it comes to dental work in Germany, you'll hear one word come up again and again: **Regelversorgung**.

It translates to "standard care" — and it determines how much your [public health insurance (GKV)](https://feather-insurance.com/health-insurance/public) will pay for tooth replacement treatments like [crowns](https://feather-insurance.com/blog/dental-crown/), [bridges](https://feather-insurance.com/blog/dental-bridge/), and dentures.

Understanding Regelversorgung is essential because the difference between choosing standard care and opting for a higher-quality alternative can mean hundreds of euros out of your pocket.

We've already written about the [full range of dental treatments covered by public insurance](https://feather-insurance.com/blog/public-insurance-dental/). This article zooms in on Regelversorgung specifically — what it covers, what it doesn't, and how to minimize your costs.

## What is Regelversorgung?

Regelversorgung is the **cheapest, medically adequate treatment option** for a given dental condition, as defined by the Federal Joint Committee (Gemeinsamer Bundesausschuss / G-BA).

It's the baseline that your public insurer uses to calculate its **Festzuschuss** (fixed subsidy). GKV doesn't pay a percentage of whatever treatment you choose — it pays a fixed amount based on what the Regelversorgung option would cost.

This means:
- If you choose the standard care option, GKV covers a large portion
- If you choose a more expensive option (e.g., ceramic instead of metal), GKV still pays the same fixed amount — you cover the rest

## How much does GKV pay? The Festzuschuss and Bonusheft

GKV's contribution toward Regelversorgung depends on your **Bonusheft** — a dental bonus booklet that tracks your annual check-ups:

| Bonusheft record | GKV Festzuschuss (% of Regelversorgung cost) |
| ----- | ----- |
| No regular check-ups (or fewer than 5 years) | **60%** |
| 5 consecutive years of annual check-ups | **70%** |
| 10 consecutive years of annual check-ups | **75%** |

**Start your Bonusheft immediately when you arrive in Germany.** Visit the dentist at least once per year and get it stamped. After 5 years, you'll save significantly on any prosthetic work. After 10 years, you reach the maximum 75%.

Learn more about the [Bonusprogramm and dental check-ups](https://feather-insurance.com/blog/health-insurance-bonus-program/).

## Regelversorgung by treatment type

Here's what counts as standard care for the most common dental procedures:

| Treatment | Regelversorgung (standard care) | Not Regelversorgung (upgrade) |
| ----- | ----- | ----- |
| **[Crowns](https://feather-insurance.com/blog/dental-crown/)** | Full or partial metal crown (non-precious metal) | Ceramic, porcelain, or gold crowns |
| **[Bridges](https://feather-insurance.com/blog/dental-bridge/)** | Full or partial metal bridge | Ceramic or zirconia bridges |
| **Dentures** | Partial or full dentures (plastic or metal base) | Precision-attachment dentures, telescopic dentures |
| **[Implants](https://feather-insurance.com/blog/dental-implant/)** | **Not covered as standard care.** GKV pays the Festzuschuss equivalent to a bridge, not the implant itself. | The implant (artificial root) is paid out of pocket; GKV only subsidizes the crown/bridge attached to it |
| **Fillings** | Basic composite filling (since the [2025 EU amalgam ban](https://feather-insurance.com/blog/cavity-filling), GKV covers medically adequate composite alternatives) | Premium aesthetic composites — you pay the top-up |
| **[Professional cleaning](https://feather-insurance.com/blog/teeth-cleaning/)** | Not Regelversorgung (only partially subsidized) | Full cost typically €80-200 |

## How the numbers work: A real example

Let's say you need a crown on a back tooth. Here's how costs differ depending on whether you choose Regelversorgung or an upgrade:

### Option A: Regelversorgung (metal crown)

| | Amount |
| ----- | ----- |
| Treatment cost | ~€350 |
| GKV Festzuschuss (60%, no Bonusheft) | -€210 |
| **You pay** | **~€140** |
| With 10-year Bonusheft (75%) | **~€88** |

### Option B: Ceramic crown (not Regelversorgung)

| | Amount |
| ----- | ----- |
| Treatment cost | ~€550 |
| GKV Festzuschuss (same fixed amount as Option A) | -€210 |
| **You pay** | **~€340** |
| With 10-year Bonusheft (75% of Regelversorgung cost) | **~€288** |

The GKV pays the same Festzuschuss regardless of which option you choose — the difference comes entirely out of your pocket.

*Note: These costs are approximate examples. Actual amounts vary by dentist, region, and material.*

## The Heil- und Kostenplan: What happens before treatment

Before any Zahnersatz (tooth replacement) procedure, your dentist must create a **[Heil- und Kostenplan (HKP)](https://feather-insurance.com/blog/what-is-a-heil-und-kostenplan/)** — a detailed treatment and cost plan.

Here's the process:

1. Your dentist examines you and recommends treatment
2. The dentist creates the **HKP** showing the planned procedure, Regelversorgung option, and costs
3. You submit the HKP to your **GKV insurer for approval** (usually takes 1-2 weeks)
4. Your insurer confirms the Festzuschuss amount
5. You proceed with treatment

**Important:** Always submit the HKP **before** starting treatment. If you skip this step, your insurer may refuse to pay.

## Härtefallregelung: 100% coverage for low-income patients

If your income is below certain thresholds, you may qualify for the **Härtefallregelung** (hardship rule), which means GKV covers **100% of the Regelversorgung cost** — you pay nothing.

2026 income thresholds (gross monthly):

| Household | Monthly limit |
| ----- | ----- |
| Single person | €1,582 |
| Two-person household | €2,175 |
| Each additional member | +€396 |

You also automatically qualify if you receive Burgergeld, Sozialhilfe, BAfoG, or Grundsicherung.

Even if you slightly exceed these limits, you may qualify for a **partial hardship exemption** (gleitende Härtefallregelung) — ask your insurer.



Don't go to a German dentist without watching this

## How dental insurance helps with Regelversorgung

[Dental insurance (Zahnzusatzversicherung)](https://feather-insurance.com/dental-insurance) significantly reduces your out-of-pocket costs — for both standard care and upgrades.

Here's how it works with our previous crown example:

### Regelversorgung (metal crown, ~€350)

| | Without dental insurance | With dental insurance |
| ----- | ----- | ----- |
| GKV Festzuschuss (60%) | €210 | €210 |
| Dental insurance (100% of remainder) | — | €140 |
| **You pay** | **€140** | **€0** |

### Ceramic crown (~€550, not Regelversorgung)

| | Without dental insurance | With dental insurance |
| ----- | ----- | ----- |
| GKV Festzuschuss (60%) | €210 | €210 |
| Dental insurance (90% of remainder) | — | €306 |
| **You pay** | **€340** | **€34** |

Dental insurance makes the biggest difference for non-Regelversorgung treatments — where out-of-pocket costs are highest. Find the right plan in our guide to the [best dental insurance in Germany](https://feather-insurance.com/blog/best-dental-insurance/).

Is it worth the monthly premium? We break it down in [Is dental insurance worth it in 2026?](https://feather-insurance.com/blog/is-dental-insurance-worth-it-germany)

[BP] standard care dental

Graphic detailing expected costs with dental or public insurance.

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Best dental insurance in Germany: Our top 4 plans of 2026

Finding the best dental insurance in Germany is tricky (especially with so many options available). 


While we handle claims for thousands of clients each year (and pay out millions of euros, too), we understand that our plans might not be the best fit for everyone.


That's why we took the time to **compare dental policies in Germany** and put together a [dental insurance guide](https://feather-insurance.com/blog/dental-insurance-germany-guide/) to help you navigate your options. 

If you're still weighing whether you need one, read [is dental insurance worth it in Germany?](https://feather-insurance.com/blog/is-dental-insurance-worth-it-germany)

For a broader overview of how [health insurance works in Germany](https://feather-insurance.com/blog/health-insurance-germany-guide/) — including what public insurance already covers for dental — see our main guide.

That’s why we took the time to **compare dental policies in Germany** and put together a [dental insurance guide](https://feather-insurance.com/blog/dental-insurance-germany-guide/) to help you navigate your options.


After comparing over 30 different dental insurance companies in Germany, we've narrowed it down to the 4 best for 2026.

**Disclaimer:**


*The details of the policies mentioned may vary, as companies offer multiple plans. We focused on the one we found most compelling, but you may discover a better fit with further research (we also have tips on [finding great dental insurance by yourself](https://feather-insurance.com/blog/how-to-find-the-best-dentist-insurance-in-germany/)).*


*Our rankings follow a specific methodology, which we encourage you to review to ensure it aligns with your priorities. While we strive for accuracy, the choice is ultimately yours, and meeting with an insurance expert can help you compare your options better than this article can.*


With that said, let's look at who made the list in 2026.

## Where to start looking for the best dental plans in Germany

| **Provider** | **Recommended for** | **Starting at** | **English support** | **Trustpilot rating** |
| --- | --- | --- | --- | --- |
| Feather | English\-speakers | €12\.50 | Yes ✅ | [4\.8/5](https://www.trustpilot.com/review/feather-insurance.com) |
| Ergo | [Pre-existing conditions](https://feather-insurance.com/blog/pre-existing-conditions/) | €37\.80 | Sometimes ❌ | [3\.7/5](https://www.trustpilot.com/review/ergo.de) |
| Württembergische | Long\-term residents | €22\.50 | No ❌ | [1\.6/5](https://www.trustpilot.com/review/wuerttembergische.de) |
| Allianz | Young children | €18\.77 | Rarely ❌ | [4\.1/5](https://www.trustpilot.com/review/www.allianz.de) |

Before comparing plans, understand [what GKV already covers for dental](https://feather-insurance.com/blog/public-insurance-dental) so you know which gaps to fill.

Your choice may also depend on whether you have [public or private health insurance](https://feather-insurance.com/blog/public-vs-private-health-insurance-germany/), as the gaps differ.

## 1\. Feather: Recommended for English Speakers


**Our recommended plan:** [Standard](https://feather-insurance.com/dental-insurance)


**Pricing:** from €12\.50 per month




| **Strengths** | **Weaknesses** |
| --- | --- |
| English support available via voice and video calls, email, and chat. | The Advanced plan is more expensive than others in our rating. |
| Submit your claims in less than 3 minutes with Feather’s mobile app | Coverage limits apply for major treatments in the first 3 years. |
| Get treatment from day one (no waiting periods). | Doesn’t cover purely cosmetic treatments. |
| Covers many preventative treatments. |  |
| Includes professional dental cleaning (€150 per year with no deductible). |  |


### Our Take


Feather is (unsurprisingly) our favorite dental insurance of 2026.

Why? 


It provides excellent coverage **when your plan starts**, so you can get dental care from day one. 


The plan also gets better the longer you have it, as coverage limits increase yearly. 


Even if there are some limits during the first years for a few major treatments, the good news is that any unused **coverage rolls over into the next year**. So, unless you need something big immediately, this works to your advantage.


The **Advanced plan** from Feather is perfect for those who want to upgrade their coverage, especially regarding tooth replacement (think [implants](https://feather-insurance.com/blog/dental-implant/), [bridges](https://feather-insurance.com/blog/dental-bridge/), [crowns](https://feather-insurance.com/blog/dental-crown/), and inlays).


Rated [4.  out of 5](https://www.trustpilot.com/review/feather-insurance.com), Feather is one of Germany’s **best\-rated insurance**. And for good reasons, too:


- The customer service team is responsive.
- Everyone there is an English speaker; no “Deutsch” needed.
- You can meet with them to see if the policy is a good fit, and trust advice is unbiased: Feather’s experts don’t earn commissions.







### Disclaimer


*This is our list, and with 7\+ years of insurance experience and great client reviews, we’ve earned a top spot for expats in Germany. That said, feel free to take it with as many grains of salt as you’d like.*


*Please note that the strengths and weaknesses related to coverage details are based on this specific plan.*


## 2\. Ergo: Recommended for those with pre\-existing conditions


**Our recommended plan:** [Zahnzusatzversicherung Sofort (ZEZ)](https://www.ergo.de/de/Produkte/Zahnzusatzversicherung/Zahnzusatzversicherung-ohne-Wartezeit)


**Pricing:** from €37\.80 per month




| **Strengths** | **Weaknesses** |
| --- | --- |
| Covers ongoing dental treatments. | The most expensive plan in our comparison. |
| No limits on coverage in the first years. | Two\-year contract before cancellation is allowed. |
| Up to 100% coverage on all treatments. | No English\-speaking support. |


### Our Take


Ergo’s ZEZ plan is **(very) pricey**, especially with its two\-year commitment, but it’s one of the only plans that covers ongoing treatments. 


This makes it our recommendation for people with dental issues who need continuous care.


If you’re reading this post because you recently visited the dentist and need immediate coverage, this plan is for you. 


Its lack of coverage limits in the early years and complete treatment coverage are significant advantages for those with existing conditions.


Ergo has a [3\.7 out of 5 rating](https://www.trustpilot.com/review/ergo.de). 


So, while the service has had hiccups (36% of their reviews are 1\-star), the plan is worth it if **you need insurance for ongoing treatments.**


### Disclaimer


*We focused on the ZEZ plan because we think it is worth bringing to your attention if you have pre\-existing conditions, bzt Ergo also provides additional dental insurance plans starting at €16 per month. Please note that the strengths and weaknesses related to coverage details are based on this specific plan.*


*These plans don’t offer the same benefits for pre\-existing conditions but have comparable coverage to other plans in this rating. Please visit Ergo’s website for more details.*


## 3\. Württembergische: Recommended for long\-term residents


**Our recommended plan:** [ZahnSchutz Premium](https://www.wuerttembergische.de/gesundheit/zahnzusatzversicherung/)


**Pricing:** from €22\.50 per month




| **Strengths** | **Weaknesses** |
| --- | --- |
| no waiting periods. | 2nd most expensive plan in our rating. |
| 100% coverage for dental prostheses. | No English\-speaking customer support. |
| Accepts treatments above the typical price (Fee Schedule for Dentists, or GOZ). | Pre\-existing conditions significantly increase its price and limit possible reimbursements. |
| High reimbursement amounts, even in the first few years. | Limits apply for five years (the longest time in our rating). |


### Our Take


The ZahnSchutz Premium plan from Württembergische is a good choice for long\-term residents who want top\-notch dental coverage.


Among the plans we compared, it provides (on average) the **highest coverage for most treatments**, especially dental prostheses.


Before signing up, you should know this coverage has **three tradeoffs**:


1. You’ll get solid benefits from the start, but the full coverage doesn’t kick in until **five years after you sign up**. With that said, the limits in the early years are generous.
2. Another major downside is the **lack of English\-speaking support**, which could be an issue for non\-German speakers.
3. Finally, the company’s [1\.6 out of 5](https://de.trustpilot.com/review/wuerttembergische.de) rating is something to keep in mind if you think this reflects service quality.


### Disclaimer


*We focused on the ZahnSchutz Premium plan because we’ve found it to offer some of the most comprehensive benefits. Still, other companies offer similar coverage, sometimes at a higher or lower price. Please note that the strengths and weaknesses related to coverage details are based on this specific plan.*


*Württembergische also offers more affordable plans (with a coverage tradeoff), starting at 10\.75€, with benefits comparable to others in our rating. Please visit Württembergische’s website for more details.*


## 4\. Allianz: Recommended for families with young children


**Our recommended plan:** [MeinZahnschutz 100](https://www.allianz.de/gesundheit/zahnzusatzversicherung/)


**Pricing:** from €18\.77 per month




| **Strengths** | **Weaknesses** |
| --- | --- |
| Up to €3,000 covered for braces and orthodontic treatments started before age 21\. | Two\-year contract before cancellation is allowed. |
| “Innovation guarantee” ensures that newly developed treatments can be added to your coverage. | Difficult to contact English\-speaking customer support. |
| Unlimited, 100% coverage for dental cleanings each year. | Significant price increases for those with existing conditions, like missing teeth. |


### Our Take


Allianz is a top option for families with young children, especially with its generous €3,000 coverage for [orthodontics](https://feather-insurance.com/blog/orthodontics)—the highest among the plans we reviewed.

Plus, Allianz covers an unlimited amount of fully covered [dental cleanings](https://feather-insurance.com/blog/teeth-cleaning/) (another big plus for maintaining dental health). Note that [dentist recommend only two per year](https://www.healthline.com/health/dental-and-oral-health/how-often-should-you-get-your-teeth-cleaned), though.


Allianz doesn’t offer English\-speaking support either, which could be a barrier for non\-German speakers.


For families worried about potential orthodontic expenses, Allianz offers great value.


### Disclaimer


*We focused on the MeinZahnschutz 100 plan because it offers the best orthodontics coverage, which is a common treatment for children. However, Allianz offers a range of plans that cater to individuals in different situations, which could offer better value depending on your priorities. Visit Allianz’s website for more information.*


*Please note that the strengths and weaknesses related to coverage details are based on this specific plan.*


## Our methodology


Below is a breakdown of our methodology for compiling our list:


1. First, we contacted our internal insurance experts to identify 20 different contenders.
2. We then obtained quotes and sample policies for each company’s plans. In total, we had around 60 policies to compare.
3. From there, we dug into the fine print. Specifically, we looked at price, coverage, limits and deductibles.
4. We supplemented via customer reviews on Trustpilot — to use as a proxy for customers’ satisfaction (an imperfect metric, as unhappy customers are more likely to leave negative reviews than happy customers are to leave a positive one; this results in a negative bias for companies with a larger customer base). Please note that you could obtain a more comprehensive overview of these companies’ ratings by exploring other sites like Google Reviews, Yelp, and others. We last visited these companies' ratings (and updated this post's metrics) on the 6th of May, 2026.
5. Finally, we contacted the company’s helpline on 10 occasions over 3 weeks — at different times and days — to determine if they could redirect us to an English\-speaking representative.


## Conclusion​​


Well, here it is, our list of, what we think are some of the top contenders for the best dental insurance in Germany. 


We’ve tried to give you a comprehensive overview, but the most impartial feedback comes from other customers. 


We **highly recommend** checking out a company’s online ratings to ensure the plan best suits your needs, budget, and expectations. Better yet, talk to an insurance broker about your individual situation so they may assist you in your search.


If you need help understanding this type of insurance, check out [our guide on dental insurance](https://feather-insurance.com/blog/dental-insurance-germany-guide/).

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Dental crowns in Germany

Losing part of a tooth can make simple things like chewing, speaking, or smiling feel uncomfortable or even painful.


A dental crown is a standard solution to restore the shape, strength, and function of a damaged tooth. It can also improve appearance—making it easier to smile with confidence.


However, dental crowns can be costly, and prices vary depending on several factors. 


**A crown typically ranges from €300 to €1,500 or more in Germany.** Public health insurance usually covers only part of the cost.


In this guide, you’ll learn:


- When a dental crown is needed
- The different types of crowns available
- What various health insurance plans cover
- Why costs vary so widely
- And our top tips for saving money on dental crowns


By the end, you’ll have a clearer understanding of your options—and how to choose the best and most affordable solution for your dental health.


## What is a dental crown?


A dental crown is a tooth\-shaped cap that covers or replaces a damaged tooth. 


Crowns are a standard dental solution for decayed, broken, worn\-down teeth or teeth that have had a root canal. They are custom\-made to match natural teeth and made from durable materials such as porcelain, ceramic, metal, or a mix.


## How much do dental crowns cost in Germany?


Generally, you can expect to pay between **€500 and €900** per crown. But, the cost of a dental crown varies widely, depending on several factors:


- Type of crown
- The material used
- The location of the tooth
- And the dentist or lab performing the work.


Let’s take a closer look at each of these:


### 1\. **Material of the crown**


The type of material plays the most significant role in pricing. 


Some materials are more natural\-looking or durable than others, which makes them more expensive. 


Here’s a breakdown of common crown materials and their costs:




| **Type of crown** | **Price range (Germany)** | **Use** |
| --- | --- | --- |
| Plastic | €80 – €400 | Temporary use only |
| Steel | €300 – €400 | Strong but less aesthetic |
| Titanium | €350 – €550 | Durable and biocompatible |
| Gold | €500 – €700 | Long\-lasting, expensive alloy |
| All\-Ceramic | €800 – €1,000 | Natural look; typically for front teeth |
| Zirconia | €800 – €2,000 | Strong and aesthetic, typically for front or back teeth |


### 2\. **Tooth location**


Crowns for front teeth usually cost more than those for back teeth. That’s because front teeth require materials that blend in naturally with your smile.




| **Tooth location** | **Average cost** |
| --- | --- |
| Front Tooth | €700 – €2,700 |
| Premolar | €600 – €1,000 |
| Molar | €900 – €1,250 |


### 3\. **Dentist and laboratory fees**


The experience of the dentist and the quality of the lab creating the crown can affect the price. 


Some labs charge more for better craftsmanship or faster turnaround. Prices can vary significantly even within the same city.


### 4\. **Crown attachment**


The method used to attach the crown also influences the cost. Some procedures require more preparation, precision, or time, which can add to the final price.


For example, if a tooth needs a core buildup before placing the crown—often due to severe decay or a root canal—the total cost can increase by several hundred euros.


## How much of dental crown costs are covered by German insurance?


In Germany, dental insurance typically covers part—not all—of the cost of a crown. How much you pay depends on the type of insurance you have. 


Let’s take a closer look.


### What does public health insurance (GKV) cover?


If you’re covered under Germany’s [statutory (public) health insurance](https://feather-insurance.com/health-insurance/public), you’ll get a fixed subsidy toward your dental crown. 


This subsidy usually covers **60% of the cost** of“[standard care](https://feather-insurance.com/blog/standard-care-dental/),” which is the most affordable, medically necessary option—typically a **metal\-ceramic crown**.


Before treatment, your dentist provides a [treatment and cost plan](https://feather-insurance.com/blog/what-is-a-heil-und-kostenplan/) (Heil\- und Kostenplan). This outlines your dental issue, the proposed treatment, and expected costs. 


It’s sent to your insurer, which calculates your subsidy. If you choose a more expensive crown than standard care (such as full ceramic or gold), you’ll pay the extra cost yourself.


To give you a rough estimate, here’s a cost comparison of different types of crowns:




| **Type of dental crown** | **Cost** | **Covered by GKV** | **You pay** |
| --- | --- | --- | --- |
| Non\-precious\-metal crown (standard care) | €400 | €240 | €160 |
| Non\-precious\-metal crown with ceramic cover | €550 | €240 | €310 |
| All\-ceramic crowns | €800 | €240 | €560 |
| Gold\-ceramic crown | €1,300 | €240 | €1,060 |


### What does supplemental dental insurance cover?


Because public insurance only covers basic options, many add [supplemental dental insurance](https://feather-insurance.com/dental-insurance) for better coverage.


Take Feather’s dental insurance Advanced plan as an example. 


It provides up to **€1,500 in annual coverage**, which rolls over if unused. After three years without claims, you could have **€4,500** in available benefits. After five years, coverage becomes **unlimited**.


The exact details will vary from one company to the next, but for example’s sake, here’s what you might pay for crowns with Feather’s dental insurance (Advanced plan):




| **Type of dental crown** | **Cost** | **Covered by GKV** | **Covered by Feather** | **You pay** |
| --- | --- | --- | --- | --- |
| Non\-precious\-metal crown (standard care) | €400 | €240 | €160 | €0 |
| Non\-precious\-metal crown with ceramic cover | €550 | €240 | €310 | €0 |
| All\-ceramic crowns | €800 | €240 | €560 | €0 |
| Gold\-ceramic crown | €1300 | €240 | €1,060 | €0 |


### What does private health insurance cover?


[Private health insurance](https://feather-insurance.com/health-insurance/private) typically offers better coverage than public insurance, but ultimately, it depends on your provider and plan.


Feather’s private health insurance covers **70% to 90% of treatments**. A cost plan is required for treatments over €2,500; otherwise, only 50% of the amount above €2,500 is reimbursed.


So, here’s how much you’d typically pay for crowns with Feather:




| **Type of dental crown** | **Cost** | **Covered by Feather** | **You pay** |
| --- | --- | --- | --- |
| Non\-precious\-metal crown (standard care) | €400 | €280 | €120 |
| Non\-precious\-metal crown with ceramic cover | €550 | €385 | €165 |
| All\-ceramic crowns | €800 | €560 | €376 |
| Gold\-ceramic crown | €1300 | €910 | €510 |


### What does expat (incoming) insurance cover?


Expat insurance is a type of private health insurance designed for newcomers. Coverage varies by plan.


With Feather’s [expat insurance](https://feather-insurance.com/health-insurance/expat), after 6 months on the premium plan, you get **80% coverage** fordentures (including crowns), up to €1,250 per insurance year.


After a 6\-month waiting period, long\-term expat plans offer €750/year for crowns and dentures and €1,125/year (on the standard and premium plans, respectively). 


Note: Expat insurance only covers **new dental issues** that begin after your policy starts.


## When should a dental crown be used?


A dental crown is used when there is a need for restoration or protection of a damaged tooth. 


Your dentist may recommend a crown if you:


- Have a broken or cracked tooth.
- Have a cavity that’s too large for a traditional filling.
- Have had a root canal treatment.
- Want to protect a weak tooth from breaking.
- Need to anchor a dental bridge or hold a denture in place.
- Have a dental implant that needs protection.
- Want to cover a discolored or misshapen tooth.


## Pros \& cons of dental crowns




| **Pros** | **Cons** |
| --- | --- |
| Affordable and effective treatment. | While durable, they will eventually need to be repaired or exchanged. |
| It protects the tooth from further damage, often saving it. | Requires filing down the tooth to fit the crown, and this is irreversible. |
| Durable, lasting up to 15 years. | Can leave your tooth sensitive to things like temperature. |
| Can improve appearance by changing the shape or color of the tooth. | In rare cases, allergic reactions to the material used can happen. |
| High success rate |  |


## Alternatives to dental crowns


While dental crowns are often the best option for restoring severely damaged teeth, several alternatives may be suitable depending on the tooth’s condition.


### 1\. Onlays


Onlays are a strong alternative to crowns for reinforcing damaged teeth. 


Like crowns, they protect the tooth, but they cover a smaller area. This means less natural tooth structure needs to be removed during the procedure, reducing the risk of complications. 


Onlays are also easier to clean around, which helps maintain healthy gums.


### 2\. Fillings


[Fillings](https://feather-insurance.com/blog/cavity-filling) are often used to treat cavities or minor tooth damage. 


However, they aren’t as durable as crowns. For teeth that have experienced significant trauma or have large cavities, fillings may not provide enough support. Fillings can crack or fall out more quickly than crowns, not fully restoring the tooth’s structure. 


Sometimes, a dentist might use a filling to rebuild part of a tooth before placing a crown on top.


### 3\. Veneers


Veneers are thin shells covering a tooth’s front surface. 


They are typically used for cosmetic improvements, such as fixing discoloration or minor chips. In some situations, a veneer may be used instead of a crown, but it will not offer the same level of protection. 


A crown is usually the better option if the tooth is badly damaged.


## 7 tips for more affordable dental crowns


Dental crowns can be expensive, but there are several ways to reduce the cost without compromising quality. Here are seven practical tips to help you save money:


### 1\. Use your bonus booklet


Regular dental checkups can increase your coverage if you have public health insurance.


- One checkup per year is enough to qualify.
- After 5 years, your subsidy increases from 60% to 70%.
- After 10 years, it goes up to 75%.


Ask your dentist for one if you don’t have a bonus booklet. You can also record past visits if they’re documented.


### 2\. Choose cost\-conscious materials


You may not need pricey ceramic in areas that aren’t visible, like back teeth.


Metal options often work just as well, and can save you several hundred euros without affecting function.


### 3\. Compare multiple offers


Dental labs charge different prices, and your dentist may work with more than one (and if they don’t, maybe another dentist might).


Getting a few quotes can reveal significant differences in cost between providers. 


### 4\. Practice good oral hygiene


Crowns need regular care to stay in good shape.


Brushing and flossing correctly helps your crown last longer and saves you the cost of early replacement.


### 5\. Ask for financial help


You may qualify for a hardship allowance if your income is low. This includes situations where you receive benefits like basic social security or Hartz IV.


Ask your dentist or insurer for the application form.


### 6\. Consider supplemental dental insurance


Private dental insurance can lower future dental costs. The [best dental plans in Germany](https://feather-insurance.com/blog/best-dental-insurance/) may even cover pre\-existing conditions.


It might not help immediately, but it can provide peace of mind and significant savings in the future.

Dental insurance 101

Dental care in Germany: A complete guide

[BP] dental crown

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Teeth cleaning in Germany

Getting your teeth professionally cleaned is one of the simplest ways to protect your long\-term oral health. 


It helps prevent cavities, gum disease, and bad breath while keeping your smile fresh.


However, in Germany, professional dental cleanings often have a price tag that makes people hesitate. 


A single session can cost between €100 and €150, depending on the dentist, your location, and the type of cleaning required. 


And while public health insurance (GKV) usually doesn’t cover the full cost, there are ways to reduce what you pay out of pocket.


In this guide, you’ll learn:


- What a dental cleaning includes
- How much it typically costs in Germany
- What public, private, and [supplemental dental insurance](https://feather-insurance.com/dental-insurance) plans cover
- How often you should get a cleaning
- The pros and cons of the procedure
- And our 7 best tips for making dental cleanings more affordable


By the end, you’ll know exactly what to expect—and how to keep your teeth clean without breaking the bank.


## What is a dental cleaning?


A dental cleaning is a routine procedure that helps keep your teeth and gums healthy. 


During the visit, a dentist or dental hygienist removes plaque, tartar, and bacteria from your teeth. This helps prevent cavities, gum disease, and other oral health problems. They may also provide extra preventive care, such as fluoride treatments or dental sealants.


There are three main types of dental cleanings, depending on your oral health:


### 1\. Prophylaxis


This is a routine cleaning for people with generally healthy teeth and gums. It focuses on preventing dental issues and is the most common type of cleaning.


### 2\. Scaling and root planing


Also called a deep cleaning, this is used for patients with mild to moderate gum disease (periodontitis).  
It involves cleaning deep below the gum line and around tooth roots. Local anesthesia is usually given to numb the gums during the procedure.


### 3\. Gross debridement


This type is for people who haven’t had a cleaning done in over a year or have had heavy plaque buildup. 


It’s similar to prophylaxis but may take more time. The goal is to clear the teeth enough to check for hidden problems.


## How much does dental cleaning cost in Germany?


A professional tooth cleaning in Germany costs around €100 to €120 per session. This service is billed according to the private fee schedule for dentists (GOZ), specifically under item 1040\.


Most dental practices use a standard billing rate of 2\.3 times the base fee in the GOZ. This rate reflects a typical cleaning without complications and averages about €3\.62 per tooth. If the cleaning is more complex or there are complications, dentists may charge up to 3\.5 times the base rate—about €5\.51 per tooth.


The final bill can vary since the total cost depends on the number of teeth. Bridges and implants are counted the same as natural teeth in this calculation. If your total bill is more than €150, comparing quotes from other dental practices is a good idea.


Other factors that can affect the price include:


- **Location**: Prices may be higher in large cities or high\-demand areas.
- **Experience of the dentist**: More experienced professionals may charge more.
- **Type of cleaning needed**: A basic cleaning removes plaque and polishes the teeth, while a deep cleaning can include root smoothing to treat gum disease. If anesthetics are required for deep cleaning, this can increase the cost.




## How much of dental cleaning costs are covered by German insurance?


In Germany, the cost of a professional dental cleaning often appears on the dentist’s invoice—but that doesn’t always reflect what you’ll pay. 


Many health insurance providers offer partial coverage through subsidies or bonus programs. 


Here’s a breakdown of what you can expect to pay, depending on your type of insurance:


### What does public health insurance (GKV) cover?


Professional teeth cleaning is not part of the standard services covered by [public health insurance](https://feather-insurance.com/health-insurance/public). 


However, some public insurers now offer partial or full reimbursement. 


Here are examples from some of Germany’s largest statutory health funds:




| **Insurance fund** | **Teeth cleaning benefits** |
| --- | --- |
| [BARMER](https://feather-insurance.com/health-insurance/public/barmer) | Covers removal of tartar once a year. |
| [TK](https://feather-insurance.com/health-insurance/public/tk) | Covers up to €40/year. |
| [DAK](https://feather-insurance.com/health-insurance/public/dak) | Covers up to €60/year, or free at certain dentists. |
| AOK | Covers up to €50/year, depending on your local branch. |


### What does supplemental dental insurance cover?


Since public coverage for dental cleanings is limited, many people choose [supplemental dental insurance](https://feather-insurance.com/dental-insurance) to reduce out\-of\-pocket costs. Coverage depends on your provider and the specific plan.


For example, Feather offers the following coverage:


- **Basic Plan**: €150 per year for dental cleanings
- **Advanced Plan**: €200 per year, with a 20% copay. For example, if your cleaning costs €100, you pay €20, and we cover €80\. You can submit multiple cleanings per year until you reach the €200 limit


### What does private health insurance cover?


[Private health insurance](https://feather-insurance.com/health-insurance/private) usually provides more generous dental benefits, but coverage depends on the provider and plan.


At Feather, we offer:


- **On our Standard plan**: 1 cleaning per year
- **On our Plus plan**: 2 cleanings per year
- **On our Premium plan**: Unlimited cleanings per year


### What does expat (incoming) insurance cover?


Coverage for dental cleaning also varies on [short\-term health insurance](https://feather-insurance.com/health-insurance/expat) plans.


Here’s what that looks like at Feather:


- **Basic Expat Plan**: No coverage for cleanings
- **Premium Expat Plan**: €100 per year for cleanings
- **Long\-Term Expat Plans** (after a 6\-month waiting period):  

	- **Basic**: €750 annual allowance for routine dental care
	- **Premium**: €1,125 annual allowance


## When should you get dental cleanings?


The standard advice is to get your teeth cleaned every six months. 


While this works well for many, it may not be necessary for everyone. The right schedule depends on oral health, habits, and risk factors.


If you’re in good health and have no underlying conditions like diabetes or heart disease, a professional cleaning once a year may be sufficient. But even then, this only works if you:


- Brush twice a day
- Floss daily
- Eat a balanced diet low in sugar.
- Use fluoride toothpaste or drink fluoridated water.


Some people are at higher risk for dental problems and may need cleanings every six months—or more often. This includes people who:


- Smoke or use tobacco
- Have diabetes
- Have a family history of gum disease
- Experience dry mouth
- Wear braces or dentures
- Skip flossing or brush less than twice a day
- Frequently consume sugary foods or drinks
- Visit the dentist only when in pain
- Regularly get new cavities or fillings
- Have multiple cavities “under watch”


If any of these apply to you, a twice\-yearly schedule—or more—may help prevent serious issues like tooth decay or gum disease.


## Pros \& cons of dental cleanings


### Pros


- **Stops gum disease**: This procedure helps treat and slow the progression of gum disease by removing harmful plaque and bacteria.
- **Promotes healing**: It cleans above and below the gumline, allowing infected gums to heal.
- **Fights bad breath**: Bad breath caused by gum disease often improves after deep cleaning.
- **Protects tooth roots**: By removing buildup around the roots, deep cleaning helps prevent further damage.
- **Prevents tooth loss**: Treating gum disease early can reduce the risk of losing teeth.
- **Supports healthy gums**: Healthier gums mean stronger support for your teeth.


### Cons


While generally safe, deep cleanings do have some risks and side effects:


- **Pain and sensitivity**: You may feel discomfort during and after the procedure, especially in sensitive areas.
- **Gum recession**: Cleaning below the gumline can sometimes cause gums to pull back slightly.
- **Infection risk**: There’s a slight chance of infection, especially if you have a weakened immune system, heart issues, or artificial body parts.
- **Bacteria in the bloodstream**: Oral bacteria can enter the bloodstream during the procedure. If you’re in a high\-risk group, your dentist might prescribe antibiotics.
- **There is no guarantee of gum reattachment.** Deep cleaning helps manage gum disease but doesn’t always result in the gums reattaching to the teeth.
- **Rare complications**: In very rare cases, nerve damage can occur.


Ultimately, deep cleanings are low\-risk and highly effective for most people.


## 5 tips for more affordable dental cleanings


### 1\. Look out for promotions


If you only need a cleaning and no other procedures, search online for special offers. Some websites feature discounted dental services for first\-time patients. Many dental offices also provide reduced rates if you book multiple appointments simultaneously.


### 2\. Maintain good oral hygiene


Brushing and flossing regularly is one of the easiest ways to save money on dental cleanings. When your teeth are well cared for, cleanings take less time and effort, which often means lower costs. 


### 3\. Compare quotes


Don’t settle on the first dentist you find. Contact a few offices and ask for price estimates on cleanings. These quotes are usually non\-binding and can help you find a fair rate.


### 4\. Check your health insurance benefits


Some health insurance plans cover all or part of the cost of professional cleanings. If you’re unsure what your plan includes, contact your provider directly. 


Coverage may have changed, and you could be missing out on benefits.


### 5\. Get supplemental dental insurance


Dental insurance may pay for itself if you’re planning to get even one professional cleaning. In many cases, the cost of a single cleaning is equal to or more than a full year of insurance premiums. 


Plus, cleanings aren’t considered a pre\-existing condition—so you can sign up for coverage today and use it for a cleaning as soon as tomorrow. 


Just make sure the plan includes cleanings without strict limits.

[BP] teeth cleaning

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Dental implants in Germany

Losing a tooth doesn’t just affect how you look—it can also impact how you eat, speak, and feel daily.


Dental implants are a popular solution in Germany because they replace missing teeth with a long\-lasting, natural\-looking alternative.


But they come with one major downside: **cost**.


A single dental implant in Germany can cost between **€1,700 and €3,400**, depending on your needs and the complexity of the procedure.


And while public health insurance (GKV) offers limited support, it often covers only a tiny fraction of the total expense.


That’s why understanding how dental implants are priced—and [how dental insurance works](https://feather-insurance.com/blog/dental-insurance-germany-guide/)—is so important.


In this guide, you’ll learn:


- What a dental implant is and how it works
- How much dental implants cost in Germany
- What public, private, and supplemental insurance plans cover
- Why prices vary so much
- And more.


By the end, you’ll know what to expect, your options, and how to make the best decision for your dental health and budget.


## What is a dental implant?


A dental implant is a solution for replacing missing teeth. 


It acts as an artificial tooth root, placed directly into the jawbone, and provides a strong base for a dental prosthesis such as a [crown](https://feather-insurance.com/blog/dental-crown), denture, or [bridge](https://feather-insurance.com/blog/dental-bridge).


The implant itself—often made of titanium or ceramic—is called the *implant body*. Attached to it is an *abutment*, which serves as a connector. The visible part, called the *superstructure*, is usually a crown, bridge, or removable denture that screws or cements onto the abutment.


Dental implants can replace one tooth, several teeth, or even an entire row. They blend naturally with existing teeth and restore both function and appearance. 


Unlike traditional bridges or dentures, implants don’t rely on neighboring teeth for support. This protects surrounding teeth and helps maintain the jawbone. 


When implants are placed, they fuse with the bone and apply natural pressure during chewing, preventing bone shrinkage over time.


## What do dental implants cost in Germany?


A single dental implant typically costs between **€1,700 and €3,400** in Germany. This includes two main parts:


- **The implant (screw)**: €1,000–€1,400
- **The crown (tooth)**: €700–€2,000


However, the total price can vary depending on your specific needs. 


### What factors affect the cost of implants?


#### Tooth position


The location of the implant matters. Front teeth (incisors) are more visible and require more precision, making them more expensive than back teeth (molars).


- **Molar implant**: €1,800–€2,500
- **Incisor implant**: €2,000–€3,500


#### Implant material


Most implants are made from **titanium**, which is strong and cost\-effective. **Zirconia** implants are more natural\-looking and biocompatible but often cost a few hundred euros more.


#### Number of implants


The more implants you need, the higher the total cost. However, some full\-mouth solutions may offer better value per implant.


#### Prosthetic quality


Crowns, bridges, or dentures made from higher\-quality materials last longer, look more natural, and raise costs.


#### Location of your clinic


Dental care is usually more expensive in large cities or high\-cost regions.


#### Preparatory procedures


Some patients need extra procedures before implants can be placed, especially if there’s bone loss from gum disease or missing teeth. 


These can include:


- **Bone graft or sinus lift**: €300–€1,000
- **Extensive bone rebuilding**: €500–€1,500
- **Tooth extraction or gum treatment**: Pricing varies by case


Advanced tools like **3D imaging (DVT scans)** or **surgical guides** may also be recommended. These improve accuracy but increase the cost.


### Total cost breakdown


Here’s a sample case to show how expenses can add up:




| **Treatment** | **Estimated cost** |
| --- | --- |
| Bone building | €1,300 |
| 3 implants | €3,900 |
| Three\-part bridge | €2,100 |
| **Total** | **\~€7,300** |


This estimate includes implants, preparatory work, and prosthetics. Actual costs will vary depending on your situation.




## Does German health insurance cover dental implants?


In general, [German health insurance](https://feather-insurance.com/blog/health-insurance-germany-guide/) covers part of dental implant costs. However, the amount of coverage depends mainly on two things:


- The type of insurance you have
- Your insurance provider


Let’s break down the four main types of health insurance and their dental implant coverage:


### What does public health insurance (GKV) cover?


[Statutory (public) health insurance](https://feather-insurance.com/health-insurance/public) does **not** cover the cost of dental implants themselves. 


However, it does subsidize the dentures that are attached to the implants. More specifically:


- GKV offers a fixed subsidy based on the standard treatment for your dental issue.
- This **fixed rate covers 60%** of the cost of standard care.
- If you’ve maintained a **bonus booklet** for at least 5 years, the subsidy increases to **70%**; after 10 years, it rises to **75%**.


However, there’s a catch…


**Implants are not considered standard care** under public insurance. [Standard care](https://feather-insurance.com/blog/standard-care-dental/) usually means a bridge or denture, not an implant.


So, even if you choose an implant, your insurance will only cover 60% of the cost of the bridge or denture. 


Any additional fee for the implant will be charged to you.


#### Out\-of\-pocket costs with public health insurance


Let’s say you are missing a tooth in a visible area. 


In that case, the “standard treatment” would usually be a metal dental bridge, costing about **€800**.


Your insurance, like TK, would cover 60%, or **€480\.** You would then pay the remaining 40%, or **€320**.


But let’s say your **preferred treatment** is a dental implant, costing around **€1,600**. In that case, TK still only covers **€396**, while you must pay the remaining **€1,204**.


That means public insurance only covers **about 24%** of the implant’s cost (these are example costs; your expenses will differ).


**In rare cases**, an implant may be considered “standard care,” and you will thus receive a 60% subsidy on the implant’s cost. 


### What does supplemental dental insurance cover?


Because public health insurance doesn’t cover dental implants, many add [dental insurance](https://feather-insurance.com/dental-insurance) for better coverage.


For example, Feather offers two dental plans. The Basic plan does not include implant coverage. This makes it more affordable for people who don’t expect to replace their teeth soon (e.g. if you have historically good oral health). 


The Advanced plan, on the other hand, covers between 80% and 100% of implant costs (you choose how much).


The Advanced plan gives you up to €1,500 yearly for dental work. If you don’t use it, the amount rolls over. After three years without any claims, you could have up to €4,500 available. After five years, coverage becomes unlimited.


Let’s take a look at some numbers to put this into perspective.


Let’s say your implant (still) costs **€1,600**. 


Public health insurance (like TK) still pays **about €480**. If you have Feather’s Advanced plan:


- With 100% coverage, you pay nothing out of pocket.
- With 80% coverage, you pay only €224\.


In both cases, you pay **less than the cost of a bridge** with only public insurance—and get a higher\-quality solution.




### What does private health insurance cover?


[Private health insurance](https://feather-insurance.com/health-insurance/private) usually covers more but varies by plan and company.


At Feather, here’s how implant coverage looks:




| **Plan** | **Coverage** | **Feather pays** | **You pay** |
| --- | --- | --- | --- |
| Standard | 70% | €1,120 | €480 |
| Plus | 80% | €1,280 | €320 |
| Premium | 90% | €1,440 | €160 |


*Note: For treatments over €2,500, a cost plan is required. Otherwise, reimbursement above that limit drops to 50%.*


### What does expat (incoming) insurance cover?


[Expat insurance](https://feather-insurance.com/health-insurance/expat) is private health insurance made for people new to Germany. 


What it covers depends on the provider and the specific plan you choose.


With Feather’s expat insurance (on the Premium plan), you can get help with dental implants after you’ve had the plan for six months. 


You get 80% coverage for implants, up to €1,250 annually.


Feather also offers long\-term expat plans. These give yearly dental benefits:


- The Basic plan covers up to €750 per year
- The Premium plan covers up to €1,125 per year.


Keep in mind that these plans only cover new dental problems that happen after your insurance starts. 


## When should you get dental implants?


Dental implants are a long\-term solution for replacing missing teeth, but they’re **not right for everyone**. 


Dentists consider implants only when the natural tooth root is missing or too damaged to support a bridge or denture. Modern dentistry aims to preserve natural teeth, so implants are typically used when no better option is available.


That said, implants are **highly versatile**. They can replace a single or several teeth or even support **full dentures**. 


The main requirement is a **strong, healthy jawbone**. A bone graft may be needed if the bone has weakened due to age, gum disease, or long\-term tooth loss. This adds **time**, **cost**, and **complexity** to the process. 


Certain conditions, like **untreated gum disease**, can also make implants **unsuitable**.


**Age** is another factor. 


Implants can last for decades, making them a good investment for people in their 60s or younger. Olderadults might choose traditional dentures instead, especially if they want to avoid surgery or the longerhealing time implants require.


**Cost** also plays a significant role. 


Implants are **rarely covered** by public health insurance. Most patients pay out of pocket or through private dental plans. In contrast, bridges and removable dentures are **more affordable** and often **covered by public insurance**, making them more accessible.


Still, implants offer significant benefits that can justify the expense. 


They feel and function much like natural teeth. Chewing is more manageable, and there’s no slipping or removing them like with dentures. They also require less daily maintenance. While dentures need special cleaning, implants are cared for like regular teeth—with brushing, flossing, and routine dental visits.


Ultimately, if you’re in **good health**, have a **strong jaw**, and want a **more natural**, **low\-maintenance solution**, dental implants might be the right choice—**especially if you can cover the cost**.