Welcome to our comprehensive guide on dental insurance in Germany for 2025.
In this article, you’ll learn the ins and outs of this policy, including:
Be sure to read to the end because we’ll share best practices for finding a great plans to protect yourself (and your wallet) from those hefty dentist bills.
Let’s get started.
In Germany, there are several types of dental insurance to cater to different needs and preferences:
It’s is designed to protect you from the costs of treatments like:
With prices starting at €10.90 monthly, it gives you the luxury of opting for comprehensive dental cover. The policy pays for itself with two yearly dental cleanings, which typically cost €120 each.
Statutory health insurance gives you minimal coverage when it comes to dentistry. It’s limited to what the industry calls “standard care”:
If you want to avoid paying additional costs, and comprehensive dental coverage, you should choose additional dental insurance.
Let’s take a look at some examples to drive this home:
Coverage & Services | With supplemental dental insurance | With public health insurance |
---|---|---|
Basic coverage | Yes ✅ | Yes ✅ |
Flexible coverage | Yes ✅ | No ❌ |
High-quality treatments & materials | Yes ✅ | No ❌ |
Option for deductible limits | Yes ✅ | No ❌ |
Option for 100% coverage | Yes ✅ | No ❌ |
100% coverage for denture | Yes ✅ | No ❌ |
Cosmetic treatments | Yes ✅ | No ❌ |
Let’s examine how much german residents pay for popular treatments with and without it:
Professional Teeth Cleaning | Dental Implant | Mouth guard | |
---|---|---|---|
Typical cost of the procedure in Germany. | €140 | €3000 | €790 |
Public health insurance reimbursement (this can change between companies and over time) | €40 | €609 | €345 |
Out-of-pocket payment with statutory insurance only | €100 | €2,391 | €445 |
Dental insurance reimbursement | €100 | €2,152 | €435 |
Out-of-pocket payment with dental insurance | €0 | €239 | €10 |
These examples are just averages; the specific costs and reimbursement amounts may vary depending on circumstances and your insurance company. However, it should be clear that dental insurance can result in significant savings for most.
Teeth cleaning is essential for reducing the risk of caries and tooth decay. Most dental insurance plans will cover a yearly cleaning.
Here is how Feather’s dental care coverage compares to the public system:
Feather’s basic plan | Feather’s advanced plan | Stuatutory health insurance (can vary between providers) |
---|---|---|
€150 per year | Unlimited | Maximum €50 per year |
Most dental policies will insure treatments not or partly covered by public health insurance.
This should include:
On the other hand, public health insurance would only provide basic care-level (Grundvorsorge) treatments:
Dental prosthesis and tooth extraction are some of the most important benefits, as they can be pretty expensive, ranging from €1,000 for a crown to €3,000 for an implant.
The most common reason for tooth replacement is significant damage or loss of one or more teeth, which fillings can’t treat. This can result from decay, gum disease, trauma, or injury.
The treatments included in the best dental plans are:
The best dental plans typically cover at least 90% of the costs. Feather’s advanced dental plan offers flexible coverage. With this plan, you can cover anywhere from 80% to 100% of these expenses.
This insurance can help you cover up to €2000 for braces and aligners. However, there is a crucial detail to remember: you must begin the treatment before you turn 21. If you require braces or aligners due to an accident, this age limit does not apply.
Dentists estimate that around 45 percent of children need orthodontic treatment due to misaligned teeth, meaning this policy can save most families a lot of money.
Teeth whitening is a process that uses chemicals to make teeth look whiter and brighter. In 2025, it was the most popular procedure people requested when visiting the dentist.
Since teeth whitening is considered cosmetic and not essential for medical health, it’s not included in public health insurance coverage.
However, some insurance plans provide financial support to help with teeth whitening costs. The treatment needs to be done again every one to two years to keep teeth consistently white.
Feather’s advanced insurance plan includes a benefit of €200 every two years for whitening.
While it provides more benefits than public insurance, it has specific rules about what it doesn’t covers:
TL;DR: Get dental care insurance before you need it. If you wait until your dentist suggests treatment, you won’t be able to get insurance for it.
The cost depends on your plan type and age at enrollment. Here’s what you should consider when evaluating prices from different providers:
At Feather, we have a transparent pricing policy. Here’s exactly how much you’ll pay depending on your age:
Age | Basic | Advanced, with 80% tooth replacement coverage | Advanced, with 90% tooth replacement coverage | Advanced, with 100% tooth replacement coverage |
---|---|---|---|---|
0-20 | €15.90 | €15.70 | €16.00 | €17.50 |
21-30 | €10.90 | €16.35 | €18.85 | €23.60 |
31-40 | €10.90 | €22.35 | €28.55 | €36.60 |
41-50 | €10.90 | €27.65 | €36.85 | €47.80 |
51-60 | €10.90 | €35.65 | €49.25 | €64.50 |
61+ | €10.90 | €40.95 | €57.45 | €75.50 |
Supplemental dental insurance is usually worth it, but a definite answer requires you to consider a few factors.
Here’s a simplified guide to determine if this insurance is for you.
If you want a deeper dive, read our article: Is dental insurance worth it in Germany?
Here is a simple guide to choosing the best dental insurance in Germany:
Look beyond the monthly premium and focus on the benefits. Cheap plans may have hidden limitations that could cost more in the long run.
A good plan should cover a range of services, including professional teeth cleaning, preventative care, and major treatments like implants, crowns, and bridges, which are typically the most expensive.
Since dentures, implants, and crowns often incur the highest costs, prioritize plans offering substantial coverage in these areas. Aim for a plan that reimburses at least 75-90% of costs.
High-quality inlays made of materials like ceramic or gold can be costly, so choose a plan that covers these costs beyond what public health insurance offers.
Plans with 100% coverage for dental prostheses tend to be more expensive. Consider plans that cover 90% of costs and manage the remainder through premium savings.
Be aware of reimbursement caps, especially in the policy’s early years. The best plans offer at least €1,000 in annual reimbursement during the initial years and eventually remove these caps.
Most plans have waiting periods (often eight months) before coverage begins to prevent immediate claims on pre-existing conditions. However, some plans waive this if you can prove good dental health with a recent examination.
Certain insurers like Feather offer plans without waiting periods, which can be beneficial if you need immediate coverage.
Some plans reimburse the total cost of professional cleaning, which can effectively cover the annual premium. Check the reimbursement rates for these services to maximize your benefits.
Orthodontics might be essential for children, whereas adults should focus on prostheses and preventative care. Young adults should ensure the plan offers long-lasting and high-quality prosthetic options.
There are two kinds of plans when it comes to cost changes:
Germany has many reputable insurance providers offering a variety of dental insurance plans.
Some of the notable providers include:
Read our full list of the best dental insurance companies in Germany.
We don’t want you to get caught off guard when it comes to dental insurance, so here are a few rules to keep in mind:
“Booked a call about dental insurance, and Vinny explained everything I needed to know. Thank you.”
Zohara
“Better dental insurance than its alternatives.”
Yuna
“Feather dental insurance is excellent. Refunds were easy and support was amazing.”
Coco