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Dental insurance

This English translation exclusively serves informational purposes. Solely the German version is binding.
Free choice of dentist for your dental health
Coverage of up to 100% of the dental bill
Tailored to your needs: from preventive care to dentures
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Quickly explained

What is Allianz supplementary dental insurance?

Statutory health insurance often covers only a small portion of the costs associated with dental and oral health. Allianz’s supplementary dental insurance helps you bridge this gap, offering two packages tailored to different needs: ‘Basis’ for solid basic cover and ‘Optimum’ for extended cover, including dental prostheses.
The benefits for you

Why take out supplementary dental insurance?

Free choice of doctor

Experience shows that waiting times are shorter with the doctors you trust.

High level of reimbursement

We cover up to 100% of the remaining costs after the statutory health insurance has paid its share.

Perfect protection for all ages

Whether you're young or old, we're here to support you with important dental treatment.

Focus on preventive dental care and maintenance

Annual dental hygiene and tooth preservation treatments are included from the Basic package onwards.

Orthodontic treatment

Braces from IOTN Level 3 onwards for children, teenagers and adults.

Dental prostheses covered

Implants, crowns, bridges and dentures are covered under the Optimum package.
Package overview

A comparison of Allianz dental insurance plans

Allianz’s supplementary dental insurance covers a wide range of treatments. This ensures you are fully protected.

Note on annual limits: The limits for dental preservation treatments (Basic) and dental prostheses (Optimum) increase in two stages during the first five years of cover – at the start of the third and fifth calendar years.

Familie
wissenswert

What does the statutory health insurance cover?

The exact extent of cover may depend on the specific health insurance provider. In general, statutory health insurance mainly covers the costs of medically necessary and appropriately adequate materials and procedures. Contractual services include certain dental fillings (usually only simple standard fillings, e.g. amalgam), root canal treatments, tartar removal by dentists, surgical procedures, the extraction of teeth or tooth roots, and removable dentures.

Many services – such as crowns, bridges or implants – usually have to be paid for privately or are only partially reimbursed.

For children and young people, dental braces are only covered in cases of severe malocclusion, as is basic oral hygiene.

Important to know: Oral hygiene (for adults) and modern or aesthetically high-quality medically necessary treatments are often not covered, or only partially covered. This is precisely where private supplementary dental insurance can be worthwhile to bridge financial gaps.

Who should consider taking out supplementary dental insurance?

Our dental insurance is beneficial at every stage of life.

Families with children up to the age of 12

Children often struggle with tooth decay and discomfort when their teeth are coming through. It is also the best time to take out insurance to protect against misalignment of the teeth or jaw.

Teenagers and young adults up to the age of 25

Common problems such as misaligned teeth or tooth decay can be treated without worrying about high costs, provided they were first diagnosed after the insurance came into effect.

Adults up to the age of 40

To ensure the best possible protection for your dental and oral health, dental insurance covers the costs of preventive care, fillings, crowns, gum disease, etc.

Adults aged 40 and over

As we get older, the risk of periodontitis increases, as does the need for dental restorations such as implants or dentures.

People who like to plan ahead

Even if there is no medical necessity, preventive treatments such as professional teeth cleaning, caries prevention and fluoride treatments are covered.

Pregnant women & women planning to have children

Many pregnant women are at increased risk of tooth decay or pregnancy-related gingivitis, which can pose a risk to both mother and baby.
Note: Please note that any treatment that was already recommended, planned or commenced before the policy was taken out is not covered by the insurance. You should therefore take out the policy in good time.

A typical claim under dental insurance

Allianz offers two dental plans, tailored to your needs. The premium depends on the scope of cover and your age.
Up to€ 14.60per month (BASIC package)
Mutter mit Kind

Sophie Maier – aged 28 – teacher

Sophie Maier is 28 years old, teaches at a primary school in Vienna and is the mother of a six-year-old daughter. It is important to Sophie that her teeth remain healthy in the long term. This is particularly true given that her busy daily life leaves her little time for time-consuming treatments. Regular professional dental cleanings are therefore especially important to her for the early prevention of tooth decay and periodontitis.

She also wants to ensure that, should she require more extensive treatment – such as a crown or an implant – the costs do not become a financial burden. Despite her busy schedule, she wants to be able to plan her dental appointments flexibly and without long waiting times.

Monthly premium for dental insurance at age 28:

Basic: €21.29
Up to€ 18.78per month (OPTIMUM package)
Mann beim Zahnarzt

Markus Steiner – aged 40 – technician

Markus Steiner is 40 years old and works as a technician in an industrial company. As he gets older, Markus is becoming increasingly aware of how important long-term dental health is.

He wants to make provisions now in case further fillings or even more extensive treatments, such as dentures, become necessary in the future. To avoid long-term follow-up costs, he is placing increasing importance on preventive care, such as regular check-ups and professional teeth cleaning.

Financial security in the event of unexpected procedures is particularly important to Markus.

Monthly premium for dental insurance at age 40:
Optimum: €50.70
The "discount premiums" apply to children. The premium generally depends on the age at which the child joins and the package chosen.
Other insurance products

More products for your health

Private medical insurance

For medical services that go beyond statutory health insurance cover. Private medical insurance gives you access to the doctors of your choice and covers the costs of treatment and medication.

Private hospital insurance

Would you like greater comfort during a hospital stay? With Allianz’s premium cover, you can enjoy benefits such as a free choice of doctor, shorter waiting times and a single room.
Good to know

Frequently asked questions about dental insurance

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