Your private dental plan for healthy and beautiful teeth: ZahnFlex

Overview of costs

• 100% reimbursement for dental treatments (including Techniker Krankenkasse reimbursement)  –
  up to the maximum annual amount you have chosen
  500 € / 1,000 € / 2,000 € / 4,000 € / unlimited
• Professional dental cleaning - up to 150 euros per year on all plan levels
• Entry level plan for every budget and every need - perfectly tailored to your needs
• Uncomplicated upgrading to higher maximum benefits to meet increasing needs as you get older - without new medical underwriting and waiting period

More details on the benefits of this supplementary dental plan

ZahnFlex dental plan – what you need to know

Protect yourself from substantial dental bills now

A bright smile is the secret to a good first impression - and is most beautiful with healthy teeth. Keep your smile beautiful with the right preventive dental care as well as excellent dental services regarding treatment and tooth replacement. Statutory health insurance funds (Gesetzliche Krankenversicherung = GKV) cover a fixed proportion of the cost of dental treatment.

With our supplementary dental insurance ZahnFlex, you can avoid substantial out-of-pocket payments.

ZahnFlex offers five different levels of dental cover. Each of them covers dental treatments, dental restoration and preventive dental services. The plan levels only differ in terms of the maximum reimbursement you can receive per year. It is up to you to decide which plan level best suits your needs.

• ZahnFlex covers 100% of the cost (including Techniker Krankenkasse reimbursement) of dental treatments, tooth replacement/ restoration and preventive dental services.
• We reimburse you for up to 150 euros per year for professional dental cleaning - on all plan levels.
• Would you like to insure your children? The plan ZahnFlex.Kind also covers costs for orthodontics.
  See ZahnFlex for children.

As a rule, the need for dental treatment increases as we get older. ZahnFlex allows you to choose the annual maximum reimbursement amount that is right for you – based on your current needs. ZahnFlex is a smart solution that provides protection because the maximum reimbursable amount increases automatically every three years - but only if you want it to.

It's as simple as that:

• Our offer: Every three years you will be upgraded to a higher plan level without any new medical underwriting and new waiting period. This is a straightforward and simple way to increase your cover automatically. This innovative solution provides maximum protection from rising dental costs and is only available at Envivas.
• If you do not want to upgrade to the higher level plan, just let us know – there is no need to give any reasons. After rejecting our offer three times in a row, however, the automatic upgrading offer ends. After that, upgrading your dental insurance requires new medical underwriting and new waiting periods for the additional benefits. See how this works in our examples below.

Healthy teeth in childhood are the best way to ensure healthy teeth when children get older. If the upper and lower sets of teeth meet in perfect alignment, this will have a positive effect on the whole body.

Orthodontic treatments are often expensive, so protect yourself from high dental costs by choosing our plan ZahnFlex.Kind. Apart from dental treatment, tooth replacement and preventive dental services it also covers orthodontic treatment for children.

You will receive an annual maximum reimbursement of 1,000 euros from ZahnFlex.Kind. In this way you ensure a healthy bite and beautiful teeth for your children.

Our dental insurance ZahnFlex.Kind is available to children and young people up to 20 years of age. To ensure that your child can continue to enjoy good dental health, we offer the plan levels ZahnFlex.S or ZahnFlex.M after their 21st birthday. Without new medical underwriting or waiting times. You can continue to insure your child in ZahnFlex.S or ZahnFlex.M in your own policy, or your child takes out their own policy.

It is estimated that more than half of all children and adolescents in Germany receive regular orthodontic treatment over a period of two to four years. (Federal Audit Office 2018)