Supplementary dental insurance (die Bayerische)

Three tariff variants (product sheet no. B 333552 (12.25) for the "Land" premium table, B 333551 (12.25) for the "Stadt" premium table), all with no waiting period, each including annual professional teeth cleaning.

The premium tables differ regionally: BayrischeZahnLand (cheaper regional class, presumably Regio 1, rural areas) and BayrischeZahnStadt (more expensive regional class, presumably Regio 2, urban areas). The Smart tariff has no regional classes, so its monthly premiums are identical in both tables; for Komfort and Prestige, the premiums differ between Land and Stadt. The mapping Land=Regio 1 / Stadt=Regio 2 is inferred from the file name and the price difference and is not stated verbatim in the product sheets.

Tarif Smart (entry-level tariff)

• Regional classes: None (premium uniform nationwide)
• Dentures/restorations (above standard care): 75%
• Dentures/restorations (up to standard care): 75%
• Dental treatment: 75%
• Professional teeth cleaning: €80 per calendar year
• Bleaching: not included
• Orthodontics: not included
• Monthly premium (identical in the Land and Stadt PDFs), excerpt by age:
  • 0–15: €4.80 | 21–25: €10.90 | 26–30: €10.90 | 31–35: €12.70 | 36–40: €14.60
  • 41–45: €17.10 | 46–50: €19.50 | 51–55: €22.60 | 56–60: €25.10 | 61–65: €28.30
  • 66–70: €30.20 | 71–75: €30.70 | 76–80: €31.70 | 81–85: €29.50 | 86–100: €23.30
• Example annual premium for a 33-year-old: €152.40 (Land same as Stadt)

Tarif Komfort

• Regional classes: Regio 1 and Regio 2
• Dentures/restorations (above standard care): 80–90%
• Dentures/restorations (up to standard care): 100%
• Dental treatment: 100%
• Professional teeth cleaning: €100 per treatment, max. €150 per calendar year
• Bleaching: not included
• Orthodontics: €1,500 (including GKV benefit) / €2,000 (without GKV benefit)
• Monthly premium per BayrischeZahnLand.pdf: 0–15: €16.50 | 21–25: €15.60 | 26–30: €17.60 | 31–35: €20.40 | 36–40: €23.80 | 41–45: €28.00 | 46–50: €32.20 | 51–55: €37.50 | 56–60: €41.90 | 61–65: €47.60 | 66–70: €50.90 | 71–75: €51.90 | 76–80: €53.40 | 81–85: €50.00 | 86–100: €39.30
• Monthly premium per BayrischeZahnStadt.pdf: 0–15: €21.60 | 21–25: €20.60 | 26–30: €23.20 | 31–35: €26.80 | 36–40: €31.10 | 41–45: €36.70 | 46–50: €42.30 | 51–55: €49.10 | 56–60: €55.00 | 61–65: €62.30 | 66–70: €66.70 | 71–75: €68.00 | 76–80: €70.00 | 81–85: €65.40 | 86–100: €51.40
• Example annual premium for a 33-year-old: Land €244.80 / Stadt €321.60

Tarif Prestige (premium tariff)

• Regional classes: Regio 1 and Regio 2
• Dentures/restorations (above standard care): 100%
• Dentures/restorations (up to standard care): 100%
• Dental treatment: 100%
• Professional teeth cleaning: €100 per treatment, max. €200 per calendar year
• Bleaching: included (the only tariff with bleaching)
• Orthodontics: €1,500 (including GKV benefit) / €2,000 (without GKV benefit)
• Special feature: Happybrush sonic toothbrush and bleaching included
• Monthly premium per BayrischeZahnLand.pdf: 0–15: €17.50 | 21–25: €22.00 | 26–30: €26.00 | 31–35: €33.80 | 36–40: €33.80 | 41–45: €44.60 | 46–50: €51.90 | 51–55: €61.30 | 56–60: €69.70 | 61–65: €80.10 | 66–70: €86.20 | 71–75: €87.90 | 76–80: €90.80 | 81–85: €84.90 | 86–100: €66.80
• Monthly premium per BayrischeZahnStadt.pdf: 0–15: €22.90 | 21–25: €28.90 | 26–30: €33.90 | 31–35: €44.10 | 36–40: €44.10 | 41–45: €58.30 | 46–50: €68.00 | 51–55: €80.10 | 56–60: €91.30 | 61–65: €104.70 | 66–70: €112.70 | 71–75: €114.90 | 76–80: €118.60 | 81–85: €111.00 | 86–100: €87.30
• Example annual premium for a 33-year-old: Land €405.60 / Stadt €529.20

"Zahn Sofort" supplementary module (addable to all three tariffs)

• Covers treatments already advised or begun before contract inception (otherwise excluded under Smart/Komfort/Prestige)
• Term ends automatically after two years
• Benefit tier: €1,500, and max. €750 per calendar year
• Premium: a flat €29.90 per month (regardless of the base tariff)

• Up to 100% reimbursement for dentures/restorations and dental treatment (Prestige tariff; Komfort 80–100%, Smart 75%)
• Special feature: reimbursement also for occlusal splints
• Annual professional teeth cleaning included in all three tariffs
• Orthodontic benefits for children and adults (Komfort and Prestige)
• No waiting periods in any of the three tariff variants
• Happybrush sonic toothbrush and bleaching included in the Prestige tariff
• Example calculation for a 33-year-old (per the PDF, out-of-pocket cost by tariff versus the GKV subsidy):
  • Inlay (invoice €650, GKV pays €40): out-of-pocket cost without supplementary insurance €610 → with Smart €162.50, with Komfort €130, with Prestige €0
  • Crown (invoice €1,040, GKV pays €210.69): without supplementary insurance €829.31 → Smart €260, Komfort €208, Prestige €0
  • Bridge (invoice €1,900, GKV pays €487.04): without supplementary insurance €1,412.96 → Smart €475, Komfort €380, Prestige €0
  • Implant including bone graft (invoice €3,400, GKV pays €210.69): without supplementary insurance €3,189.31 → Smart €850, Komfort €680, Prestige €0

The following awards were found on the product page https://www.diebayerische.de/versicherungen/zahnzusatzversicherung/ (per the website, as of July 2026; collected via automated web extraction – before use in a regulated advertising statement or a context subject to the German legal-notice (Impressum) requirements, verify the exact seal graphic and competition terms on the live page, as test-seal advertising is closely regulated in the insurance industry):

• Stiftung Warentest, issue 07/2025: "Zahn Prestige der Bayerischen" named test winner,

rating "sehr gut (0.5)" ("very good") – refers to the Prestige tariff.

• Focus-Money: product awarded "sehr gut" ("very good") (in the context of reimbursement/claims

handling, "100% reimbursement, money within 10 days at the latest" per the website).

• Ascore seal: "Tarif des Jahres" ("tariff of the year") for the supplementary dental insurance (refers to the

overall offering, not clearly limited to a single tariff per the website extraction).

• Levelnine rating: an award for the Prestige tariff is mentioned – the exact rating scale/form

was not clearly extracted from the website; verify the original seal before use.

• ServiceValue/CHIP: the online application process for the supplementary dental insurance awarded "TOP";

the website states "as of 09/2026" – this is after the collection date of this document (07/2026) and presumably denotes the seal's validity period rather than the testing date; clarify before use.

• Under the base tariffs Smart, Komfort, and Prestige there is no cover for treatments already

advised or begun before contract inception – this cover is only available via the Zahn Sofort supplementary module.

• Deduction for treatment by doctors without statutory-insurance accreditation: a flat 40%.
• Benefits abroad: at most the benefit the insurer would be obliged to pay domestically;

billing must follow German invoicing standards.

• Maximum reimbursement rate: 3.5× the rate under the GOZ (German dentists' fee schedule).

• Deductible: not mentioned in the PDFs – no explicit deductible stated.
• Waiting periods: none in any of the three tariff variants (explicitly advertised as a feature).
• Reimbursement limits without Zahn Sofort (benefit tier per tariff, cumulative per calendar-year period):

Note from the PDF: these limits are waived from the fifth calendar year onward and in the case of accidents.

• Reimbursement limits with Zahn Sofort: €1,500, and max. €750 per calendar year (applies in addition

to the base tariff, for treatments already advised/begun before contract inception).

• Legal insurer: BA die Bayerische Allgemeine Versicherung AG, Thomas-Dehler-Str. 25, 81737 München.
• Product sheet numbers: B 333552 (12.25) = BayrischeZahnLand.pdf; B 333551 (12.25) = BayrischeZahnStadt.pdf.
• Marketing hashtag per the PDF: "#gemeinsamfürgesundheit".
• The website additionally states (per the website, as of July 2026, not contained in the PDFs): online

application completable "in under 3 minutes", chatbot "Lea" for customer support, a referral bonus (an amount was extracted from the website but is deliberately not carried over here – verify the original amount on the live page before use, as it was not reliably confirmed by the extraction model).

• Premium calculation is age-dependent, tiered in 5-year age cohorts (0–15 through 96–100);

premiums rise up to the 76–80 cohort and then decline slightly again (see the tariff tables above).