Supplementary dental insurance (Advigon)

Four selectable tariffs:

• Dental Medium (AZM) – cost-conscious basic cover for adults.
• Dental Luxus (AZL) – premium all-round cover for adults.
• Dental Clever (AZB2+AZE1) – family tariff focused on orthodontics (KFO) for moderate/severe dental misalignment (KIG 3–5).
• Dental Premium (AZB3+AZE4) – family tariff that already applies to mild dental misalignment (KIG 1–2, no statutory health insurance (GKV) entitlement), in addition to KIG 3–5.

Insured benefit categories (reimbursed at different levels depending on tariff):

• Dental treatment: composite/resin fillings, root canal treatments, fissure sealing, periodontal treatment, occlusal splints, micro-invasive caries infiltration.
• Dentures/restorations: crowns, bridges, post-and-core restorations, dentures, inlays, implants, veneers, denture repairs, functional analysis/therapy, ancillary services (e.g. anesthesia).
• Dental prophylaxis: professional teeth cleaning.
• Pain therapy (AZM/AZL only): alternatives to conventional local anesthesia – acupuncture, general anesthesia, laughing gas, twilight sleep.
• Orthodontics (Dental Clever/Premium only): additional orthodontic costs for braces.

Monthly premiums AZM/AZL by age (EUR):

Benefits AZM/AZL:

Dental Clever (up to age 17): €9.68/month. Benefits: orthodontics 80% of additional orthodontic costs (KIG 3–5, with GKV entitlement) up to €1,200 (max. €600/jaw); dental treatment 100% (with prior GKV benefit); dental prophylaxis 100% up to €80/treatment, up to €200/year; dentures/restorations up to 40%.

Dental Premium (up to age 17): €18.76/month. Benefits: orthodontics 80% – KIG 1–2 (no GKV entitlement) up to €4,000 (max. €2,000/jaw), KIG 3–5 (with GKV entitlement) up to €1,200 (max. €600/jaw); dental treatment 100%; dental prophylaxis 100% up to €100/treatment, up to €200/year; dentures/restorations up to 90%.

Reimbursement example (5 inlays, total cost €4,778): AZM reimburses 75% (€3,584) less the GKV share of €218 = €3,366 (out-of-pocket cost €1,412); AZL reimburses 100% (€4,778) less €218 = €4,560 (out-of-pocket cost €0). Without supplementary dental insurance: out-of-pocket cost €4,560.

Reimbursement example, orthodontics (KIG 2, Dental Premium): Total cost €4,782, GKV share €0, Advigon reimbursement 80% up to €2,000/jaw = €3,825.60, out-of-pocket cost €956.40 (versus €4,782 without Advigon).

Reimbursement example, orthodontics (KIG 4, Dental Clever/Premium): Total cost €4,339.94 (of which €1,453.00 additional orthodontic costs), GKV standard benefit €2,886.94, out-of-pocket cost without Advigon €1,453.00; Advigon reimburses 80% of the additional costs up to €600/jaw = €1,162.40, out-of-pocket cost with Advigon €290.60.

The marketing materials at hand list no explicit benefit exclusions (no policy conditions (AVB) included in the source material). Instead, tiered reimbursement limits cap the level of reimbursement in the first contract years (see below) – this is not an exclusion clause but a coverage limit that decreases over time.

• AZM/AZL: no waiting periods – direct entitlement to all insurance benefits from contract inception.
• Reimbursement limits AZM/AZL (in EUR, tiered by contract duration):

| Months | AZM | AZL | |---|---|---| | 12 | 600 | 1,000 | | 24 | 1,200 | 2,000 | | 36 | 1,800 | 3,000 | | 48 | 2,400 | 4,000 |

These limits are waived in the case of an accident, after the 48th month, or if a prior policy period is recognized.

• Reimbursement limits Dental Clever (tiered over 60 months, in EUR): A) Dental treatment/prophylaxis/orthodontics: 400/800/1,200/1,600/2,000 (after 12/24/36/48/60 months); B) Dentures/restorations: 200/400/600/800/1,000.
• Reimbursement limits Dental Premium (tiered over 60 months, in EUR): A) Dental treatment/prophylaxis/orthodontics: 500/1,000/1,500/2,000/2,500; B) Dentures/restorations: 500/1,000/1,500/2,000/2,500.
• Recognition of prior insurance: Reimbursement limits are waived when switching from a prior policy with a minimum term of 48 months, a seamless transition, minimum benefit levels of 75% (switching to AZM) or 100% (switching to AZL) for dental treatment/restorations, and without reimbursement limits of its own.

• Premium discount of up to 25% possible with Dental Clever/Premium if benefits (other than dental prophylaxis) are not claimed; full benefit entitlement remains guaranteed.
• Target groups per the brochure: AZM for cost-conscious individuals who don't need to make major compromises; AZL for policyholders with higher expectations of all-round cover; Dental Clever/Premium especially for families with children – Clever pays out for severe dental misalignment, Premium already for mild misalignment.
• Advigon positions itself as a personal-lines insurer within the HanseMerkur Group, specializing in disability, supplementary health/travel health insurance, and capital investment products.
• Contact: prospect line 040 5555-4020, email kv-angebot@advigon.com, www.advigon.com.

• Per the product page (as of July 2026): Stiftung Warentest (Finanztest 07/2025) rates the Dental Luxus (AZL) tariff "SEHR GUT (0.6)" ("very good").
• Also stated per the brochure: Stiftung Warentest, Finanztest issue 2/25 (215 supplementary dental insurance products tested), rating "SEHR GUT (1.5)" ("very good") for the Dental Premium (AZB3 & AZE4) tariff.
• Also mentioned in the brochure: a "Zahnzusatz-Rating" ("supplementary dental rating") award, without further specification of the awarding body.