Healthy teeth. Optimally insured.
Find the right dental supplementary insurance at nextsure. Comprehensive protection, digital processing, and tailor-made rates for your most beautiful smile.
High cost coverage
Digital Processing
Customised Rates
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Why additional dental insurance is indispensable
Protection against high costs
Use modern dentistry
Close gaps in the statutory health insurance
Individual Provisions
Services in Detail: What does a good dental insurance cover?
A robust dental insurance plan is your financial buffer for high-quality dental treatments that extend beyond the basic coverage of statutory health insurance (GKV). But which benefits are truly essential? The focus is primarily on cost coverage for dental prosthetics such as implants, bridges, and crowns, which often result in significant out-of-pocket expenses. Look for percentage reimbursements, ideally 80-100%, and whether material and laboratory costs are also covered. Professional teeth cleaning (PZR) is another crucial component for dental health and should be covered at least once, preferably twice a year. Equally important are benefits for dental treatments such as high-quality fillings (e.g., composite), root canal treatments (endodontics), and periodontal treatments (periodontology), especially when modern and gentle methods are used. Orthodontic services, particularly for children and teenagers, but also for adults, can incur significant costs and should be included in the plan according to individual needs. Also, check whether the insurance waives waiting periods or at least keeps them moderate and whether a price-performance directory from the insurer limits the reimbursement amounts. Transparent tariff conditions and clear definitions of the scope of benefits are essential to be optimally protected in case of need. nextsure helps you find the plan that fits your needs perfectly.
Our Services
Your protection for healthy teeth
Dental prosthesis
High reimbursement for implants, crowns, bridges.
Prophylaxis
Coverage for professional dental cleaning and preventive care.
Dental treatment
Secure modern fillings, root canal treatments, and periodontal treatments.
Orthodontics
Meaningful protection for children and adults.
Without waiting
Selected tariffs with immediate protection for quick assistance.
Digital Service
Simple online management and quick invoice submission.
Fair Contributions
Transparent costs and rates for every budget.
Excellent advice
Experts find the optimal protection for you.
Family Plans
Special protection for your children's dental health.
Tailored rates for every need and budget, fully managed digitally.
Everything alright at the dentist?
Protect your smile today – for tomorrow and the day after!
Anything in the patient record yet?
Ensure coverage even for existing dental issues!
Finding the Right Dental Supplementary Insurance: Tips for Your Selection
Choosing the right dental insurance requires a careful analysis of your individual needs and the available tariffs. Start with an assessment of your current dental status and potential future treatments. Do you foresee needing expensive dental prostheses or do you place particular importance on prophylaxis? Consider your age and any pre-existing conditions. Compare the range of services from different providers: Pay attention not only to the reimbursement rates for dental prostheses, dental treatments, and prophylaxis, but also to details like coverage for high-quality materials, modern treatment methods (e.g., laser treatments, CEREC), and any limitations due to tiered coverage in the first few years. Waiting times are also important—some plans provide immediate coverage, while others only after a few months. Examine the contract terms closely: Are there health questions, and how do they affect you? How flexible are termination periods and premium adjustments? Use independent comparison portals and expert advice to get an objective overview. nextsure offers you transparent comparisons and supports you in choosing a plan that provides optimal protection at fair conditions and is tailored precisely to your digital affinity.
Costs and Contributions: What does dental supplementary insurance cost?
The cost of dental supplementary insurance varies significantly and depends on several factors. Key considerations include your age at the time of entry, the desired scope of coverage, and the condition of your teeth at the time of signing the contract. Younger policyholders with healthy teeth generally pay lower premiums. Plans offering comprehensive benefits, such as high cost coverage for implants and orthodontics, are naturally more expensive than basic tariffs that mainly cover prophylaxis and simple dental treatments. Some insurers waive health questions, which may be reflected in the premium. Others tier benefits in the initial years of insurance (dental scale) to limit risk and keep premiums stable. It is important not just to focus on the monthly premium but to carefully assess the value for money. A cheap plan with limited benefits can prove inadequate in a serious case. Consider which benefits are important to you personally and your willingness to bear co-payments. nextsure provides you with a transparent overview of different plan options and helps you find dental supplementary insurance that meets your budget and coverage requirements, including simple digital management of your policy.
Dental supplementary insurance for children: Sensible or superfluous?
A dental insurance supplement for children is a considerate investment in your child's long-term oral health. Particularly during childhood and adolescence, orthodontic treatments like braces are often necessary, with costs that the statutory health insurance (GKV) only partially covers or covers for specific indication groups. High-quality, inconspicuous braces or modern treatment methods usually involve significant co-payments. A good dental insurance supplement can provide financial relief and facilitate access to optimal orthodontic care. Furthermore, preventative measures such as professional dental cleanings and fissure sealants are especially important for children to prevent cavities. Many plans for children include these services or offer substantial allowances. Additionally, for dental damage resulting from accidents, which can occur quickly while playing or during sports, a dental insurance supplement provides valuable protection. When choosing a plan, look for policies specifically tailored to children's needs, with no or only short waiting periods, and comprehensive orthodontic coverage. Signing up early often secures lower premiums. nextsure supports families in finding suitable protection for the youngest members – simple and digital.
Waiting times and dental scale: What you need to know
When taking out supplementary dental insurance, two aspects are particularly important: waiting periods and the so-called dental scale. Waiting periods refer to the time after the contract begins during which you cannot yet claim benefits. Common waiting periods are three to eight months for most treatments. For expensive dental work like implants or orthodontic procedures, they may be longer. However, there are also plans without waiting periods, which then usually have slightly higher premiums or other restrictions. The dental scale (or benefit cap) determines the maximum amount the insurance will reimburse in the first years after the contract is signed. For example, reimbursement might be limited to €1,000 in the first year, €2,000 in the second year, and so on, until the full contractually agreed benefit amount is reached after a few years. This tiering serves the insurer for risk calculation and prevents insurance from being taken out in the short term for already planned, expensive treatments. Make sure to get detailed information about the applicable waiting periods and the arrangement of the dental scale before signing the contract to avoid future surprises. nextsure values transparency and helps you understand these clauses and find a plan that matches your objectives.
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Dental insurance in old age: Is it still worth signing up?
Taking out dental supplementary insurance can still be very sensible even in advanced age, as this is often when the need for dentures and more complex dental treatments increases. As we age, teeth can become more susceptible to diseases, and existing dentures may need to be renewed or expanded. The statutory health insurance (GKV) often only provides a fixed subsidy, which falls far short of covering the actual costs. A dental supplementary insurance protects against high personal contributions and provides access to high-quality materials and modern treatment methods that improve chewing comfort and aesthetics. While the premiums for older policyholders tend to be higher, as the risk of claiming benefits increases, there are special senior rates or tariffs with adjusted performance spectra. It is important to look for tariffs that do not require health checks or that have moderate health questions and do not have excessively long waiting periods. Tariffs with immediate benefits for certain areas can also be attractive. A careful consideration of the costs and potential benefits is crucial. nextsure provides expert advice to help you find the right dental protection and secure your quality of life in old age.
Health questions in supplementary dental insurance: Honesty pays off
Many dental supplementary insurances ask health-related questions about the condition of your teeth and any planned or recommended treatments before signing the contract. It is of utmost importance to answer these questions truthfully and completely. Incorrect or incomplete information can have serious consequences: in the event of a claim, the insurer may refuse payment, cancel the contract, or even withdraw from it. This is known as a breach of the pre-contractual duty of disclosure. Even though it may seem tempting to conceal existing problems to secure a more favourable rate or to obtain approval at all – the risks are too high. Insurers often scrutinise dental history very closely in the event of a claim. Questions typically relate to missing teeth (excluding wisdom teeth), already recommended or commenced treatments (e.g., for dentures, orthodontics, periodontitis), and existing dental prostheses. There are also tariffs without health questions; however, these are often more expensive or have coverage limitations for pre-existing damages. nextsure recommends always being honest and supports you in selecting a tariff that offers fair conditions even with pre-existing conditions. Transparent communication is key to reliable insurance coverage.
Cancelling or changing dental supplementary insurance: What should be considered?
There can be various reasons to cancel or switch an existing dental insurance: dissatisfaction with the services, a premium that's too high, or a more attractive offer from another provider. However, before you proceed with the cancellation, you should consider some important points. First, check the cancellation periods and conditions in your current contract. Usually, a standard cancellation at the end of the contract term with a three-month notice is possible. A special right to cancellation often exists in the case of premium increases without simultaneous improvements in services. When switching to a new provider, it is crucial that the new contract is already in place before you cancel the old one to avoid gaps in coverage. Note that with a new contract, health questions may be asked again and new waiting periods might start. Any accrued age reserves are usually lost upon cancellation. Therefore, carefully weigh whether a switch truly offers advantages. Compare not just the price but, above all, the services and conditions. Sometimes, optimizing the tariff with the existing insurer is also an option. nextsure offers you comprehensive advice on your options and helps you make the best decision for your dental health and your budget.
What are the most important benefits of a dental supplementary insurance?
Digitalisation has also impacted the insurance market and offers significant advantages, particularly for dental insurance. A digital dental insurance, as provided by nextsure as an Insurtech, is characterised by fast, straightforward processes and high transparency. From choosing a plan and completing the online application to filing claims – everything can be conveniently done digitally. This saves time and paperwork. Through a customer portal or an app, you have access to your contract data at any time, can easily upload invoices, and track the processing status. Chatbots and digital advisory services support you with any questions. Another advantage is the ability to compare plans online in detail and obtain tailored offers based on your individual needs. nextsure uses modern technologies to offer you an optimal user experience and simplify access to high-quality insurance cover. Our SEO-optimised content and clear information help you better understand the complex world of dental insurance. Discover the benefits of completely digitalised dental insurance and secure your radiant smile with nextsure – your partner for modern, digital insurance protection.
