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Supplemental Dental Insurance

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Why dental insurance matters?

Public health insurance in Germany only covers basic dental care and fixed subsidies. For many treatments such as dental cleanings, fillings, crowns or implants, patients often have to cover a significant part of the costs themselves. This is where a dental plan helps by covering the remaining expenses.

Professional dental cleanings covered
High-quality dental fillings
Simple and transparent claim process
Coverage starting from 12.50€ per month
Loss of keys

No waiting periods

Start using your benefits immediately.

Best benefit guarantee

Tailored to your needs

Decide which tariff suits you best.

Flexible duration

Flexible duration

Stay in control, cancel daily after the first year.

Dental Insurance Calculator

Calculate your dental insurance

Get an instant quote in just a few steps.

1. Your details

Important note (two missing teeth):
Because of two missing teeth, the plan benefits are limited during the first three calendar years.
You can only claim reimbursable expenses up to:

  • 250 € in the 1st year
  • 500 € in the 2nd year
  • 750 € in the 3rd year

By continuing, you confirm that you accept these limitations.

Important note (three missing teeth):
Because of three missing teeth, the plan benefits are limited during the first three calendar years.
You can only claim reimbursable expenses up to:

  • 125 € in the 1st year
  • 250 € in the 2nd year
  • 375 € in the 3rd year

By continuing, you confirm that you accept these limitations.

Important note (four missing teeth):
With 4 or more missing teeth, an insurance contract is not possible.

2. Select your deductible

80%
Coverage option
90%
Coverage option
100%
Coverage option
Percentage refers to the reimbursement of eligible dental costs not covered by public health insurance. These percentage options apply only to the Premium plan.
Add a family member

3. Select your plan

Basic plan

i Tariff details
Ideal for preventive care
Covers cleanings and basic treatments
Affordable entry-level option
0.00
per month
Recommended

Premium plan

i Tariff details
Comprehensive dental coverage
Includes prosthetics and major treatments
Higher reimbursement limits
0.00
per month

Children

Plan 1/2

Compare your options

Basic Plan

Preventive dental coverage

Calculate my plan →
Premium Plan

Comprehensive dental coverage incl. prosthetics

Calculate my plan →
No waiting times
Professional dental cleaning
150€ per year
200€ per year
High quality plastic fillings
Root and periodontal treatments
Bite splints
Pain-relieving measures
Dental prosthesis/tooth replacement
(e.g. implants, bridges, crowns, inlays)
Teeth whitening

Dental cost examples

The costs for dental treatments can increase quickly.

Even for minor procedures, often large amounts of money are charged and patients have to dig deep into their pockets.

To give you an idea of how much the services cost, we have put together some examples for you:

Why CAPE?

Best pre-selected coverage

Choose one of the best tariffs on the market, carefully selected to provide optimal protection.

Easy claims settlement

Would you like to report a damage? Contact us. We will take care of it quickly and efficiently.

Personal support

Your personal advisor is always at your side, ready to help with any questions or concerns.

You know what’s covered now secure what matters.

Enjoy the security of knowing your valuables are protected.

Frequently asked questions

What does public health insurance cover for dental treatments in Germany?+
Public health insurance only covers basic dental care and fixed subsidies. For most treatments such as professional dental cleanings, high-quality fillings, crowns or implants, a large part of the costs must be paid out of pocket.
What is the difference between the Basic and Premium dental plan?+
The Basic plan focuses on preventive care such as professional dental cleanings, high quality plastic fillings and other basic dental services. It also includes orthodontic treatments for insured persons up to the age of 20. The Premium plan adds extended coverage for dental prostheses e.g. implants, bridges, crowns and inlays with reimbursement levels of 80%, 90% or 100% depending on the selected option.
How much of my dental costs will be reimbursed?+
Reimbursement depends on the plan you choose: Basic plan: 100% for defined preventive services. Premium plan: up to 80%, 90% or 100% of eligible costs that are not covered by public health insurance.
Are professional dental cleanings covered?+
Yes. Professional dental cleanings are covered under both the Basic and Premium plan. This is especially important, as public health insurance usually covers little or none of these costs.
Are existing dental conditions or missing teeth covered?+
Existing dental conditions and missing teeth are generally not covered. When calculating your plan, you will be asked about missing teeth (excluding wisdom teeth). This information is required to ensure correct coverage and pricing.
Is there a waiting period before I can use the insurance?+
Your insurance coverage starts on the contractually agreed date without any waiting periods.
Can I take out dental insurance even if I am already living in Germany?+
Yes. Dental insurance can be taken out at any time, even if you have been living in Germany for several years, as long as you are insured under public health insurance.
How does the reimbursement process work?+
You usually pay the dentist’s invoice first and then submit it to the insurance provider. Reimbursement is typically processed quickly and transferred directly to your bank account. We are happy to support you if you have any questions during the process.
Can I calculate and take out the insurance online?+
Yes. You can calculate your personal dental plan and take out the insurance directly online in just a few steps. The process is paper-free, transparent and only takes a few minutes.

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