Dental supplementary insurance for ongoing treatments: Your coverage for current dental treatments

Anyone already undergoing a dental treatment knows how complex and costly dental care can be. Implants, dental prosthetics, periodontitis treatments – the list of necessary dental services is long. In many cases, it makes sense to take out dental supplementary insurance to ease the financial burden. However, ongoing treatments come with many pitfalls you should be aware of. On this page, you'll learn why expert advice is so important and how to find the right dental supplementary insurance for your specific situation.

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Typical dental treatments and their costs

Ongoing dental treatments can take many forms. Common treatments that often require dental supplementary insurance include:

  1. Implant treatment: A dental implant can cost between €1,000 and €3,000. Additional costs for crowns, bridges, or root treatments are often added.
  2. Dental prosthetics (e.g., bridges or crowns): These usually cost between €500 and €1,500 per tooth, depending on the type of prosthetic.
  3. Periodontitis therapy: A treatment for periodontitis can cost between €300 and €2,000, depending on severity.
  4. Orthodontic treatment: This can cost several thousand euros, especially for teenagers and adults, depending on complexity.
  5. Treatment and cost plan: The treatment and cost plan (HKP) is a dental document necessary for comprehensive treatment, as it lists the planned procedures and their costs in detail.

Especially for extensive or expensive treatments, dental supplementary insurance can help cover the costs. Without insurance, patients often face high out-of-pocket expenses.

Goodlife dental supplementary insurance comparison portal

Our goal is to make the entire process as simple as possible. Here’s a step-by-step guide:

  1. Fill out the form: Your contact information
  2. Free phone consultation & choice of dental insurance One of our experts will contact you in your preferred language to answer your questions and identify the best options for your child. Together with our experts, you will select the best dental supplementary insurance for children based on your budget and your child’s dental condition.
  3. Receive insurance documents & schedule a dental appointment: You will receive all necessary documents via email or mail. Either we book an appointment with your dentist for you, or you can book one yourself. The dentist will create a cost plan.
  4. Send the cost plan to the dental insurance: We handle communication with the insurance and forward the cost plan.
  5. Start treatment: After confirmation from the dental insurance, your child can begin treatment.
Free consultation

We guide you through every step of the process so you can receive optimal treatment without bureaucratic hurdles.

The most common problems with dental supplementary insurance during ongoing treatment

Many people wonder if they can take out dental supplementary insurance during ongoing treatment. The answer is not always simple. Some of the most common issues patients face include:

  1. Waiting periods and exclusions: Many dental supplementary insurances have a waiting period during which no costs are covered. But what happens if your treatment has already started? In many cases, policyholders must forgo expensive services because they are not covered if the treatment began before the policy start date.
  2. Lying about treatment status: To gain coverage, some attempt to mislead the insurer about their actual treatment status. However, this practice can lead to a denial of coverage or even cancellation of the policy.
  3. Penalties and sanctions: Those who take out dental supplementary insurance but fail to disclose all relevant information about their treatment risk non-coverage of costs or even penalties.
Beste Zahnzusatzversicherung bei laufenden Behandlungen

Statutory vs. private dental supplementary insurance

The differences between statutory and private dental supplementary insurance are significant when it comes to covering ongoing treatments.

Statutory Health Insurance (SHI)
  • Statutory health insurance (SHI) covers only part of treatment costs, such as for dental prosthetics. The SHI fixed subsidy is around 50% of the standard care costs, but it can increase to 65% if you regularly attend preventive check-ups.
  • Example: For dental prosthetics (e.g., a crown) costing €1,000, SHI policyholders would only be reimbursed €500 to €650 – the rest must be paid out of pocket.
Private dental insurance
  • Private dental supplementary insurances typically offer significantly higher reimbursement rates, especially for ongoing and expensive treatments like implants, periodontitis therapy, or braces.
  • Example: A private supplementary insurance could cover up to 90% of treatment costs for dental prosthetics or implants – and that immediately, without a waiting period.

Choosing the right tariff is crucial. An immediate protection tariff, for example, can take effect immediately during ongoing dental treatments.

Choosing the right insurance is far from easy. Therefore, we strongly recommend taking advantage of a free consultation with an expert. Our specialists speak more than 20 languages and will find the best plan for your ongoing treatment.

Zahnzusatzversicherung bei laufenden Zahnbehandlungen

Dental supplementary insurances for ongoing treatments:

Top-rated providers

In Germany, many providers offer dental supplementary insurances that cover treatments during therapy. Some of the best providers for ongoing dental treatments include:

  • SDK (reimbursement for ongoing treatments)
  • Die Bayerische (reimbursement for ongoing treatments)
  • Allianz dental supplementary insurance (immediate protection for ongoing treatments)
  • Münchener Verein (tariffs for implant and periodontitis treatments)
  • Ergo Direkt (high reimbursement for dental prosthetics)
  • Concordia dental supplementary insurance (coverage for ongoing treatments)
  • Astra dental insurance (retroactive cost coverage)
  • Württembergische (tariffs with retroactive reimbursements)

Our experts help you find the right insurance that covers all necessary treatments.

The best plan for your budget: Affordable and comprehensive

When looking for the best plan, you should focus not only on the price but also on the scope of coverage. Our recommendation for ongoing dental treatments is a plan that provides maximum coverage for both planned and ongoing treatments. Ensure that the plan:

  • Offers high reimbursement rates for dental prosthetics and implants.
  • Has no waiting periods, allowing you to benefit immediately from the insurance.
  • Provides double fixed subsidies for dental prosthetics, so you don’t bear the full costs.
  • Allows retroactive reimbursements for ongoing treatments.

SDK Zahn 100

  • Price: from 15 € monthly
  • Missing teeth 3
  • Recommended Treatment: Yes
  • Treatment and Cost Plan Yes
  • Limitation: Limitation: 70 - 100 % max. 2000 € in 2 years
The price of the dental plan depends on your age, dental health, and treatments. Get free advice now!

Die Bayerische - ZAHN Sofort

  • Price: from 29.90 € monthly
  • Missing teeth Up to Unlimited €
  • Recommended Treatment: Yes
  • Treatment and Cost Plan Yes
  • Limitation: Limitation: 80 - 100 % max. 1500 € in 2 years
The price of the dental plan depends on your age, dental health, and treatments. Get free advice now!
Goodlife ist das beste Vergleichsportal für Zahnzusatzversicherung bei laufenden Behandlungen

Finding the best dental supplementary insurance for your ongoing treatments isn't easy – let our experts provide you with a free consultation. We speak over 20 languages and will find the perfect solution for you.

Frequently Asked Questions about Dental Supplementary Insurance for Ongoing Treatments

  • Can I take out dental supplementary insurance after a treatment has started? Yes, but it depends on whether the insurance allows it in the contract and whether the treatment is considered 'ongoing' or 'recommended.' An expert can help clarify this for you.
  • What happens if I take out dental supplementary insurance while a treatment has already started? With many providers, it is possible to take out insurance retroactively, but there are limitations and rules to consider.
  • What costs does a dental supplementary insurance cover for ongoing treatments? This varies by plan. The best option is a dental supplementary insurance with immediate coverage, offering you quick and comprehensive cost coverage.
  • Are there dental supplementary insurances without waiting periods for ongoing treatments? Yes, there are plans that provide immediate coverage for ongoing dental treatments.