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

Zahn70 – 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.

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.

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.