Your dental plan for beautiful and healthy teeth

Tailor-made for TK members

High quality dental restoration

The quick and easy way to find the best dental plan for you

  • high quality dental restoration in line with latest standards
  • beautiful and healthy teeth thanks to excellent dental benefits
  • full cost control – reduce your share of costs considerably
More than 1.5 m customers
put their trust in Envivas

Excellent customer service
99% of our customers would recommend us to others

Extra services for TK members
tailor-made for you

Overview of benefits of our dental plans

Our dental plans for beautiful and healthy teeth - tailor-made for TK members

Healthy teeth are important to you? We help you take care of them:

Bild Envivas Tarif Zahn90Zahn70 – our basic dental cover

Zahn90 – our premium dental cover

First-rate and modern dental care today often means high out-of-pocket expenses. Public health funds such as TK are strictly regulated and not allowed to pay for certain procedures and services. That is why together with TK we have designed dental plans to complement the TK cover in the best possible way.

How you benefit: you can considerably reduce your share of costs of dental care and at the same time benefit from excellent dental services that meet the highest standards of medical research.

What exactly do we mean by cost control?
Both plans are designed in such a way that the total reimbursement you will receive is 70 per cent of the invoice amount in Zahn70 and 90 per cent in Zahn90. So you can easily calculate your own share of costs (30 or 10 per cent) and know exactly how much you will have to contribute yourself.
By the way: The percentages mentioned above include the payment made by TK.

No age-related premium increases
From the age of 21 there will be no premium increases related to your increasing age. This is because the premiums include a savings component, so-called age provisions, which are used to avoid premium increases during the policy period. While this may mean that the premium is a bit more expensive at the beginning, it protects you against rising premiums when you get older.

Zahn70

Enter the Envivas dental world – enjoy excellent benefits

Increase reimbursements to up to 70 per cent of invoice amount
In other words: we pay up to 70 per cent towards the cost of restorative dental work so your own share of the cost is only 30 per cent! Only in the rare cases where TK does not pay anything towards your dental treatment, we pay up to 35 per cent of the invoice amount.

Dental restoration: dentures, dental implants, dental crowns, inlays, composite fillings
The dental plan covers dentist fees, dental materials costs and dental lab costs.

Preventive dental care and dental hygiene
The plan includes dental cleaning (scale and polish), fluoride varnishing, fissure sealing and a periodontal disease risk test.

Zahn90

Premium dental cover for those who want more

Increase reimbursements to up to 90 per cent of invoice amount
In other words: we pay up to 90 per cent towards the cost of restorative dental work so your own share of costs is only 10 per cent!! Only in the rare cases where TK does not pay anything towards your dental treatment, we pay up to 45 per cent of the invoice amount.

Dental restoration: dentures, dental implants, dental crowns, inlays, composite fillings
The dental plan covers dentist fees, dental materials costs and dental lab costs.

Root canal and periodontitis treatment
You will be reimbursed for up to 90 per cent of the invoice amount – or 45 per cent in the rare cases where TK does not cover any of the costs.

Preventive dental care and dental hygiene
The plan includes dental cleaning, fluoride varnishing, fissure sealing and a periodontal disease risk test.

Increasing benefits

In the first five years after taking out a dental policy, you can claim up to 500 euros of dental expenses per year for covered dental costs in Zahn70, and up to 1,000 euros in Zahn90. If in any given year you do not claim at all, or not the full amount, the unclaimed amounts will be added to what you can claim in the following years. This means that the total amount you can claim in the fifth year can be as high as 2,500 euros in Zahn70 and 5,000 euros in Zahn90.
From the sixth year after taking out a dental plan, there are no benefit limitations for restorative dental treatments. The benefit limitation does not apply to emergency dental treatment following an accident. Additionally, all dental plans come with a waiting period of eight months. This is the time you have to wait before any claim is paid. There is no waiting period following an accident.

Interested in buying health insurance?

If you are interested in taking out insurance online, please visit our German website.

Details on reimbursement

Up to 100 per cent reimbursement for standard dental work

In most cases we settle claims in the way described earlier: we reimburse you for a fixed percentage of the cost of restorative dental work obtained, which means up to 70 per cent of the invoice amount in Zahn70 and up to 90 per cent in Zahn90. However, if the services and procedures provided are all part of the statutory standard framework defined for dental care, the total reimbursement including the TK payment can amount to 100 per cent of the invoice amount.

What happens if TK does not cover any of the dental costs?
As a rule, TK covers a part of the cost of dental care. Should TK not cover any costs, we cover you for up to 35 per cent of the invoice amount in Zahn70 and up to 45 per cent in Zahn90.

Why would TK not pay anything towards your cost of dental treatment?
This may happen if your dentist is not registered with or recognised by public health funds in Germany. In that case, TK is not permitted to accept dental bills from this particular dentist and direct billing arrangements are not possible.  So you will receive a private dental bill which you have to pay out of your own pocket unless you have a private dental plan.

Before you start a course of dental treatment, always ask your dentist if he or she is registered and has a direct billing arrangement with TK.

Keeping up with medical progress

How you can benefit with a dental plan

Imagine you have an accident and lose two front teeth. If you opt for a dental bridge to replace the missing teeth, your dentist needs to file down the healthy teeth on either side of the gap. The dental bridge would then be attached to the two re-shaped teeth and span four teeth. 

Most people today prefer to have implants which do not affect any healthy teeth and are an aesthetic improvement, but they are also much more expensive than a bridge. Dental implants are a very good example of medical progress and how it provides better solutions for patients, but it also means costs that for many people are not affordable without private insurance. This shows that a private dental plan can help you benefit from dental progress while keeping your part of the cost low.

By the way: according to a recent study of the Association of Private Health Insurers in Germany (PKV), 52 per cent of Germans need tooth replacement at one point in their lives. As public health funds are only permitted to cover a part of the cost – not the full cost – private dental cover is important for those who set a great store by modern and comprehensive dental care.

With our dental plans you can benefit from excellent additional services and protect your teeth in the long term. Decide for yourself which plan offers the best protection for you and how much you want to spend on dental insurance.

All-round protection for your health

Complement your dental plan with additional benefits.

Bild Envivas Tarif StarterPlus

PraxisExtra – Our comprehensive outpatient plan: worldwide travel health insurance for trips up to six weeks combined with attractive benefits such as outpatient care, including alternative health practitioners (Heilpraktiker) as well as dental services and optical products.

More information

PraxisTop – Our premium outpatient plan: offers even more benefits than PraxisExtra, for example check-ups and additional dental services.

More information