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Insurance review

Supplementary cover · Dental

Make dental costs more predictable. Read the conditions closely.

Dental insurance can reduce personal costs for dentures and other agreed dental services. Reimbursement percentages are only part of the picture: benefit scales, ongoing treatment and policy limits also matter.

Review dental cover Understand the benefits
Fixed subsidyBenefit scalesOngoing treatment

Why does dental insurance exist?

GKV contributes to dentures through a fixed subsidy for standard care. Anyone choosing treatment beyond that standard may face a substantial personal contribution.

Typical benefits

Depending on the policy, cover may include:

  • Crowns, bridges and dentures.
  • Implants and medically necessary bone augmentation.
  • Inlays and higher-quality fillings.
  • Professional cleaning within policy limits.
  • Orthodontics under specified conditions.

Who may want to review it?

  • People in GKV who want higher-quality dentures.
  • People who do not want to fund every possible contribution solely from savings.
  • People without treatment already recommended who are considering future protection.
  • Anyone able to carry the premium long term and define the desired benefits clearly.

Percentages alone are not enough.

A policy may show a high reimbursement rate while limiting payment through the inclusion of GKV benefits, annual scales or other caps.

Before the policy starts

  • Answer health and dental questions completely and truthfully.
  • Disclose missing teeth and existing dental work.
  • Recommended, planned or ongoing treatment is often excluded.
  • Waiting periods may apply depending on the policy.

When claiming

  • Dental benefit scales often limit reimbursement in the first years.
  • The GKV fixed subsidy may already be included in the stated percentage.
  • Implant numbers, bone work, materials and laboratory costs may be limited.
  • Check fee limits under the German Dental Fee Schedule (Gebührenordnung für Zahnärzte, GOZ) and permanent maximum amounts.
Illustrative example

A crown costs more than standard care.

GKV pays a diagnosis-based fixed subsidy. Depending on the reimbursement rate, benefit scale and conditions, a supplementary policy may pay a further part of the invoice. A personal contribution may still remain.

Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.

How MB Finance supports you.

We relate percentages to the private invoice and to the actual contractual limits.

Record dental status

Missing teeth, existing work and known treatment are organised.

Define the objective

Standard care, higher-quality dentures and extras are considered separately.

Compare policies

Reimbursement, GKV inclusion, benefit scales and caps are compared.

Review fees and laboratories

Limits for fees, materials, laboratories and implants are made visible.

Support the application

Health and dental answers are prepared fully and truthfully.

Support a claim

For a treatment and cost plan, we help explain the contractual reimbursement route.

Dental cover is one module and should not be confused with other benefit areas.

Overview

Supplementary health cover

Places the different additional health modules in context.

View the overview →Outpatient

Outpatient supplementary cover

May add other selected outpatient benefits.

Understand the policy →Hospital

Hospital supplementary cover

Explains elective hospital services and their limits.

Understand the policy →

Frequently asked questions about dental cover.

Exact reimbursement can only be determined from the policy conditions and treatment and cost plan.

What does GKV pay?

As at 2026, the fixed subsidy is generally 60 percent of standard care, rising to 70 or 75 percent with documented preventive visits. Additional costs remain without suitable cover.

Can recommended treatment be insured?

Treatment that has begun, been recommended or documented is often excluded. The application questions and conditions are decisive.

What do 80, 90 or 100 percent mean?

The GKV share is often included. Benefit scales and limits for materials, laboratories or implants may also apply.

Next supplementary module

Elective hospital services: hospital supplementary insurance.

The next page explains single and twin rooms, privately billed medical treatment, private hospitals and fee limits.

Continue to hospital cover Back to supplementary overview

Sources and general notice

General information, last updated 31 August 2026. Descriptions of typical benefits are not a guarantee of cover or payment. The application, policy schedule, conditions and specific treatment and cost plan are decisive.