Complete dental supplementary insurance online directly: In 5 steps to digital protection
9 Jul 2025
12
Minutes
Katrin Straub
CEO at nextsure
A dental crown can quickly cost over one thousand euros, but statutory insurance often pays less than half. A supplementary dental insurance fills this gap. Learn how to choose the right plan online in just a few minutes and ensure you do everything correctly.
The topic in brief and concise terms
You can complete a dental insurance plan entirely online in less than 15 minutes, but you should pay attention to crucial details.
The truthful answering of health questions is legally required and crucial for future entitlement to benefits.
Be aware of waiting periods of up to eight months and benefit limits (dental scale) in the first years of the contract.
The digital path to the policy: Get protected in under 15 minutes
Taking out supplementary dental insurance is now fully digital and often takes less than 15 minutes. You can compare over 100 rates online and complete the application directly without a signature. A practical example: A ceramic crown costs around 1,200 euros, of which the statutory health insurance (GKV) only covers a fixed subsidy of about 450 euros. Without private insurance, there remains a gap of 750 euros that you have to cover yourself. An online policy can reduce these costs to under 100 euros. The digital process makes comparing dental insurance more transparent and faster than ever before. This way, you can effectively protect yourself against high additional payments before your next treatment is due.
Health Questions: The Digital Foundation of Your Contract
Truthfully answering health questions is the most important requirement for your insurance coverage. Insurers specifically ask about missing teeth, ongoing or recommended treatments. Concealing a recommended root canal treatment can lead to a refusal of benefits, leaving you with costs of over 1,000 Euros. Your information forms the basis for the insurer's risk calculation. Incorrect information constitutes a breach of the pre-contractual duty to disclose and can void the contract. Although there are dental supplementary insurance tariffs without health questions, these often have higher premiums or greater benefit limitations. Therefore, be particularly careful with the following points:
Missing, unreplaced teeth
Ongoing treatments or those recommended by the dentist (except for prophylaxis)
Existing dental prostheses (bridges, crowns, implants)
Diagnosed periodontitis or jaw joint problems
An honest assessment of your dental health is the first step to robust insurance coverage.
Waiting periods and benefit levels: When and how much the insurance pays
Almost every policy includes initial restrictions to protect the insured community. A typical waiting period is eight months for dentures and three months for dental treatments. Additionally, most insurers limit the reimbursement in the first few years through a so-called dental scaling. A common model, for example, reimburses a maximum of 1,000 euros in the first year, 2,000 euros in the second, and only unlimited from the fifth year onwards. An accident usually immediately waives these limitations. Although policies with no waiting period allow for immediate protection, the benefits scale still applies. Therefore, carefully check which amounts are covered in the first 48 months before concluding. A comparison of policies without waiting periods helps find the right offer for your needs. These initial hurdles are crucial for the long-term stability of premiums.
Ihr gutes Recht: The online conclusion and the right of withdrawal
For every insurance contract concluded online, you have a statutory right of withdrawal for 14 days. The period only begins once you have received all the contract documents, including the insurance certificate and withdrawal instructions. This gives you ample time to review the contract details at your leisure. A withdrawal must be made in writing without stating any reasons, for example, via email. Our expert tip: Archive all your digital contract documents – from the application protocol to the policy – immediately upon receipt. This ensures your evidence obligation for the full 14 days. Any premiums already paid will be fully refunded in the event of withdrawal. Information on how to claim tax relief on a private dental insurance can also be found in the documents. This right protects you from hasty decisions and strengthens your position as a consumer.
Detailed tariff features: What you should pay attention to online
A good tariff comparison goes beyond the mere monthly contribution. What is crucial is the reimbursement rate, which usually ranges between 80 and 100 percent of the invoice amount. Pay attention to whether the rate applies to the total amount or only to the remaining amount after statutory health insurance benefits. Additionally, preventive care benefits are important. A professional dental cleaning (PZR) costs between 80 and 120 euros and is covered twice a year by good policies. A comprehensive dental supplementary insurance comparison should consider the following points:
Level of reimbursement for dental prosthetics (implants, crowns)
Coverage for dental treatments (root canal, periodontal treatment)
Benefits for preventive care (e.g., two PZR per year)
Benefit limitations in the first four to five years
Possible additional benefits such as orthodontics for children
Only if these criteria match your needs have you found the right coverage.
Digital consultation as the key to optimal protection
Completing the process online is quick, but can be risky with complex dental histories. A digital professional consultation bridges this gap. In just 20 minutes, an expert can analyse your individual needs and recommend suitable plans. This minimises the risk of jeopardising insurance coverage due to incorrectly answered health questions. Consultation helps you understand the fine print and select a plan whose benefit scale aligns with any planned treatments. nextsure offers you exactly this combination: the efficiency of a digital process and the security of comprehensive, personal advice. This way, you not only find any plan, but the right dental insurance for you. Request an individual risk analysis now: Have your insurance situation examined for free and receive specific optimisation suggestions.
More useful links
Wikipedia offers a comprehensive overview of the topic of dental insurance.
The AOK Bundesverband provides detailed data and analysis on dental health in Germany with the Dental Report 2023.
FAQ
What is the difference between waiting period and performance tier?
The waiting period is the time after the contract begins (e.g., eight months) during which you do not receive any benefits for certain treatments. The benefit cap (or sum limit) is a restriction on the maximum reimbursement amount per year in the initial contract years (e.g., 1,000 euros in the first year).
Do I have to forgo advice when completing online?
No. Reputable online platforms and digital insurers like nextsure offer expert advice via phone or video. This is highly recommended to find a suitable plan and avoid mistakes when applying.
Does the 14-day right of withdrawal also apply to insurance policies?
Yes, for all insurance contracts concluded online or by phone, you as a consumer have a statutory right of withdrawal of 14 days. For life insurance, it is 30 days. The period begins as soon as you have received all the contract documents.
What is considered an "advised treatment" in health questions?
A treatment is considered advisable as soon as your dentist makes a diagnosis and recommends a specific procedure (e.g., a crown, an implant, a filling) and records it in your patient file. A purely check-up appointment or a professional teeth cleaning do not count towards this.
Are tariffs without health questions always the better choice?
Not necessarily. These plans are often more expensive and usually have stricter benefit limitations or longer waiting periods. If your teeth are in good condition, a plan with health questions is generally more beneficial and cheaper.
How do I submit invoices to an online insurance provider?
Most digital insurers offer a customer app or an online portal. Here, you can simply photograph your dental bill or upload it as a PDF. Processing and reimbursement usually take place within a few business days.
