Supplemental dental insurance in Germany
Boost your public health insurance coverage and avoid unexpected dental bills. We help you compare options and find the right plan for your situation.
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Why do you need supplemental dental insurance in Germany?
If you have public health insurance, the dental coverage included is very limited. In many cases you will need to pay a significant portion of the costs for fillings, crowns or other treatments out of your own pocket. People are often surprised by just how little the public system covers when it comes to dental care.
A supplemental dental plan can cover between 70% and 100% of these costs, depending on the plan you choose. A small monthly premium can save you hundreds of euros when an unexpected treatment comes up.
What does supplemental dental insurance cover?
Coverage varies by plan, but generally includes the most common treatments.
Cleaning and hygiene
Professional dental cleaning covered by plan, for example €100 per year or €60 per session.
Fillings
Full cost coverage up to the maximum amount set by the official dental fee schedule.
Root canal treatment
Endodontic procedures covered within the limits of your chosen plan.
Dental prosthetics
Implants and crowns covered up to 90% of costs depending on your plan.
Whitening
Included in higher-tier plans for a complete smile.
What you need to know before signing up
💶 Monthly cost
The monthly premium depends on the plan and your age at the time of sign-up. In general, costs range between €18 and €35 per month. Fill in the form to receive a personalised quote and we will get back to you.
📄 Claiming reimbursement
Once your treatment is complete, you submit the dentist's invoice to the insurer. Reimbursement is usually processed within around 10 days, paid directly into your bank account.
⚠️ Important condition
This supplemental plan is only available if you already have an active public health insurance policy. It cannot be taken out independently.
📅 Contract duration
The contract runs for one year and can generally be cancelled on an annual basis.
When is the right time to take out dental insurance?
Dental treatment in Germany can be expensive. Don't wait until something goes wrong — protect your dental health and your finances from day one. The sooner you sign up, the sooner you are covered.
Frequently asked questions about supplemental dental insurance
Are there waiting periods?
In most cases there are no waiting periods, meaning your coverage kicks in from the first day of your contract.
What are the requirements to sign up?
If you are currently in the middle of dental treatment when you apply, you will need to complete it before the policy can start. Treatments that have already been recommended by your dentist but not yet started are also excluded from coverage. The best time to sign up is when you have no ongoing or planned dental work.
Are implants or prosthetics covered for teeth I have already lost?
No. Teeth that are already missing when you take out the policy are excluded from coverage. The supplemental plan does not cover implants, crowns or bridges for teeth that were absent before the contract started.
What about communicating with the insurer in German?
This is one of the most common challenges for expats in Germany. At Bramex we have a bilingual team that handles all communication with your insurance company on your behalf, from start to finish and in your language.
Why manage your dental insurance through Bramex
Unbiased advice
We help you choose the plan that genuinely fits your needs.
No extra costs
Our advice and management are completely free of charge.
Wide network
We work with 95% of the top insurers in Germany.
Ongoing support
We are with you before, during and after sign-up.
Always up to date
We keep you informed of any changes that may affect your policy.
In your language
All management and communication handled in your language.
We handle the paperwork
No German bureaucracy for you to deal with. We take care of it all.
Proven experience
Years of helping expats navigate insurance in Germany.
Still have questions about dental insurance in Germany?
Tell us your situation and we will help you find the right solution, clearly and with no strings attached.