What Does Your Dental Insurance Cost?
Premium by age, reimbursement by tariff and out-of-pocket cost on dental work — with a clear breakdown and net saving comparison.
Insured person
Treatment
0 %100 %
- Monthly premium
- €22.00
- Yearly premium
- €264
- Reimbursement %
- 75 %
- Waiting period
- 8 months
- Out-of-pocket
- €750
- Net saving (year)
- €486
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Dental work runs into the thousands fast — DFV supplementary dental cover pays up to 100%.
Breakdown
| Category | Amount |
|---|---|
| Dental treatment cost | €3,000 |
| Statutory reimbursement (GKV) | €1,500 |
| Dental insurance reimbursement | €750 |
| Total reimbursement | €2,250 |
| Out-of-pocket | €750 |
| Yearly premium | −€264 |
| Net saving (year) | €486 |
Note: Premiums are average values for German dental supplemental tariffs (Zahnzusatzversicherung) in 2026. Actual premiums vary by insurer (Allianz, ERGO, DKV, AXA and others), health check, waiting period and benefits. Statutory health insurance (GKV) typically covers 50 % as a fixed grant (60 % with 5-year bonus booklet, 65 % with 10-year). Waiting periods are commonly 8 months; some immediate tariffs waive them.
Related Calculators
Background
German Dental Insurance 2026: Tariffs, Waiting Periods and When It Pays Off
11 Min.