Up to 100% coverage
Choose one of our flexible insurance tariffs, affordable for every budget and extendable at a later date
Fast payout < 48h
Upload a photo of your bills to the Barmenia App and get money in less than 48 hours on average
24/7 Premium Support
Reach your personal agent any time, even on weekends — we are there for you to resolve your issues
⭐ Multiple awards with excellent rating ⭐
Does this sound familiar to you?
Dentistry can be expensive and with no dental insurance even simple treatments can quickly become a financial burden.
Insurance does not pay
You are about to have a painful dental operation, but the insurance company declares that it will not cover it - and you are left with the high costs.
Payouts take forever
After the treatment, you submit the invoice, but even after months and several requests, the money has still not been credited to your account.
No implants
Your dentist suggests an implant, but the health insurance company will only reimburse a cheap and inferior alternative.
No personal contact
If you need urgent help, you will be passed from hotline to hotline without anyone taking responsibility.
Don't worry, it's not just you!
Statutory health insurance only covers the minimum
The truth is: Statutory health insurance only covers the absolute basics — the bare essentials to remain functional. Anything beyond this, such as high-quality aesthetic inlays, veneers or implants, is rejected.
And this is where the pain arises: who prefers a "minimum" solution when it comes to their own health and appearence?
"If you want the care that not only repairs but also impresses, then you have to do it yourself, because the public insurance company won't do it."
It doesn't have to stay this way!
We have the solution
Why settle for the minimum when you can have the best? With our support, you get exactly the care you deserve — without compromise. High-quality inlays, aesthetic veneers and implants, treatments instead tooth extractions — decide with your dentist what matches your needs.
In 2021, dental insurance was the most popular supplementary insurance in Germany with 17,8 million policyholders 🇩🇪
Statutory health insurance (GKV)
Basic dental treatment covered by GKV
- Crown in the visible area up to max. 260 €
- Bridge in the visible area up to max. 500 €
- No inlays
- No implants
- No root canal treatments
- Standard dental anaesthesia
- No veneers / onlays
- Generally no prophylaxis (e.g. professional teeth cleaning)
- No bleaching
GKV + our supplementary dental insurance
Our all‒inclusive package is presented here
- Crowns in the visible and non-visible area
- Bridges in the visible and non-visible area
- Premium inlays (e.g. ceramic)
- Implants
- Root canal treatments
- Pain-relieving measures such as general anaesthesia
- Veneers / onlays
- 200 € for prophylaxis (e.g. professional teeth cleaning)
- 200 € bleaching
Our tariffs
Contributions for adults aged 21 and older
Contributions for children/young people differ
Dental Care
Mehr Zahnvorsorge D
from 10,90 €
Affordable tariff for everyone who values prevention, treatment and professional dental cleaning
- 100 % coverage
- Fillings and root canal treatment
- Professional teeth cleaning
- Prophylactic measures
- Orthodontics
- Anaesthesia, sedation, hypnosis
- Periodontal treatment
Short text for a typical Onepage use-case. Around 30 words suffice to neatly fill an average paragraph, ensuring a clean appearance and readability.
Prosthetics
Mehr Zahn 80 / 90 / 100
from 4,60 €
This tariff covers the most expensive costs: e.g. implants, inlays, crowns, bridges, prostheses, permanent teeth
- 80/90/100 % coverage selectable
- Implants, crowns, bridges, etc.
- Inlays and onlays
- Veneers
- Bone grafting for implants
- Material and laboratory costs
- Pre- and post-treatments
Short text for a typical Onepage use-case. Around 30 words suffice to neatly fill an average paragraph, ensuring a clean appearance and readability.
Most popular
All-inclusive
Mehr Zahn 80 / 90 / 100
Mehr Zahnvorsorge Bonus D
from 18,70 €
The most comprehensive cover which includes benefits for dentures and dental care
- 80/90/100 % coverage selectable
- Implants, crowns, bridges, etc.
- Inlays and onlays
- Veneers
- Bone grafting for implants
- Material and laboratory costs
- Pre- and post-treatments
- Fillings and root canal treatment
- Professional teeth cleaning
- Prophylactic measures
- Orthodontics
- Anaesthesia, sedation, hypnosis
- Periodontal treatment
Bonus
- Bleaching
- Electric toothbrush from Oral-B*
* When taking out the Mehr Zahn 100 + Mehr Zahnvorsorge Bonus D plans.
While stocks last.
What you also get from us
24/7 premium Support
Reach your personal contact at any time, even at weekends - we are always there for you to resolve your concerns
Fast payout < 48 h
Upload a photo of your bills to the Barmenia app and we'll reimburse you in less than 48 hours on average
Daily cancellable after 1 year
Our insurance can be cancelled daily from the first year onwards. All you have to do is let us know
Our client's opinions
Very fast and problem-free processing!
Anonym
I can definitely highly recommend Mr Gruber. He is extremely friendly and competent. The advice is excellent, he responds to the customer's wishes and deals with all requests promptly.
Sabine R.
Mrs Pilyus gave me extremely competent and committed advice at times when I had time, namely in the evenings and at weekends. I feel very well looked after and am relieved to have found a good [insurance] company in Barmenia.
Kerstin J.
Mr Gruber came across as very friendly and competent on the phone. He gave me very precise advice and took care of my long-standing dental insurance contract. Great work and I will recommend him 👍 at any time!
Petra K.
‘Excellent insurance advice - absolutely recommendable!’ I am extremely satisfied with the advice I received from Alexandra Pilyus. From the very beginning I was warmly welcomed and competently guided through all my questions and concerns.
Tanja
I met Mrs Pilyus for the first time and was very pleased with her suggestions.
She is a good listener and gives precise answers.
Susanne B.
Very fast and problem-free processing!
Anonym
I can definitely highly recommend Mr Gruber. He is extremely friendly and competent. The advice is excellent, he responds to the customer's wishes and deals with all requests promptly.
Sabine R.
Mrs Pilyus gave me extremely competent and committed advice at times when I had time, namely in the evenings and at weekends. I feel very well looked after and am relieved to have found a good [insurance] company in Barmenia.
Kerstin J.
Mr Gruber came across as very friendly and competent on the phone. He gave me very precise advice and took care of my long-standing dental insurance contract. Great work and I will recommend him 👍 at any time!
Petra K.
‘Excellent insurance advice - absolutely recommendable!’ I am extremely satisfied with the advice I received from Alexandra Pilyus. From the very beginning I was warmly welcomed and competently guided through all my questions and concerns.
Tanja
I met Mrs Pilyus for the first time and was very pleased with her suggestions.
She is a good listener and gives precise answers.
Susanne B.
Still wondering whether you need dental insurance?
Prevention with professional teeth cleaning
Sabine has already had several problems with periodontitis, an inflammation of the gums caused by bacteria. Although the treatment has been completed, she would still like to go to her dentist for professional teeth cleaning as a precaution.
Although the statutory health insurance covered the treatment costs, it did not cover further preventive dental treatment.
However, because Sabine has taken out the Mehr Zahnvorsorge D tariff from Barmenia for 10,90 € per month, she doesn't have to worry: It covers 100% of the costs up to 150 € per year.
Root and periodontal treatments
The dentist has discovered a damaged tooth in Martin. Root canal treatment should be carried out so that it can be preserved. The root canal is cleaned, widened and then filled and sealed.
The aim is to restore the root of the tooth. As the root tip can no longer be treated in Martin's case, the statutory health insurance does not reimburse any or only part of the costs.
However, his supplementary dental insurance policy from Barmenia, namely, Mehr Zahnvorsorge D, helped him to get his root and periodontal treatments covered.
Dentures after an accident
Jörg lost three of his teeth in an accident. The resulting gap in his teeth not only affects his appearance, but also his ability to eat.
For this reason, Jörg needs a suitable denture. However, statutory health insurance companies usually only pay a fixed subsidy, which usually only covers 60% of the standard treatment depending on the diagnosis.
Jörg has the Mehr Zahn 80 tariff from Barmenia for 15,90 € per month. This allows to get 80% of the treatment costs covered (including advance payments from the statutory health insurance).
FAQs — Frequently asked questions
What is the advantage of concluding a contract before 31.12.2024?
You can get unlimited coverage sooner.
To receive this benefit, the insurance must start in 2024. This means that the year 2024 already counts as the 1st calendar year.
For details, see “Are there any coverage limits?”
What does supplementary dental insurance consist of?
Depending on the supplementary dental insurance selected, this includes various benefits. Barmenia's Mehr Zahn tariffs include dental prostheses such as implants, bridges, crowns, inlays, dentures, ceramic or plastic veneers (also in the non-visible area) as well as the respective pre- and post-treatment. The Mehr Zahnvorsorge products include dental prophylaxis, such as professional teeth cleaning, high-quality plastic fillings, root and periodontal treatments, occlusal splints and pain-relieving measures.
Can I choose my dentist freely?
Yes, you are basically free to choose which dentist you want to be treated by. The only important thing is that you have the amount of the benefits confirmed by your statutory health insurance or health insurance fund on all receipts or that the dentist shows the advance payment on the invoice before you submit it.
Is dental insurance also suitable for children?
Yes, Barmenia dental insurance is also suitable for children and young people. The Mehr Zahnvorsorge tariff is particularly useful for younger patients, as they need orthodontic treatment more frequently.
Can I also get insured if I already have missing teeth?
Yes, if the missing teeth have already been replaced (e.g. by bridges or crowns), you can state ‘no’ in the application when asked about missing teeth. This question only concerns real gaps that have not yet been closed. These must be indicated. However, limited insurance cover can be agreed for up to three missing teeth.
When should you get supplementary dental insurance?
Supplementary dental insurance is always a good idea if you want to make provisions for your teeth. As most of us will need dental treatment sooner or later, you can protect yourself with Barmenia's protection package. This supplements the standard care provided by the statutory health insurance companies and you benefit from many extras.
Is there a waiting period?
No, with Barmenia you can take out supplementary dental insurance without a waiting period. This means that it starts immediately from the contractually agreed date. However, advised or planned treatments that were already planned before the contract was concluded can no longer be insured or reimbursed.
Which benefits are excluded
Barmenia's supplementary dental insurance covers a wide range of different treatments and services. It does not cover purely cosmetic treatments such as veneers that are not medically necessary.
If Mehr Zahn and Mehr Zahnvorsorge tariffs are taken as combination, we offer a bonus for teeth whitening such as bleaching. For this you get 200 € every two years. It is required that this procedure is carried out by a dentist.
Orthodontic benefits are excluded if the insured person is older than 20 years. Although an adult can receive orthodontal treatment if this is medically required as a result of an accident that occurred after the beginning of the insurance.
When can I cancel the insurance?
The supplementary dental insurance can be cancelled daily after one year of having the policy.
Are there any coverage limits?
Basically not, there is only a limit on the total benefit in the first calendar years. There is no upper limit for accidents.
Mehr Zahn 80 / 90 / 100
In the first 4 calendar years, the reimbursement is limited as follows:
1st calendar year: max. € 1.500
1st to 2nd calendar year: max. €3.000
1st to 3rd calendar year: max. €4.500
1st to 4th calendar year: max. € 6.000
Unlimited from the 5th calendar year!
If you had or currently have supplementary dental insurance with another insurer during the last six months prior, you can benefit from getting the unlimited coverage already after the first two calendar years.
Mehr Zahnvorsorge (Bonus) D
In the first 2 calendar years, the reimbursement is limited as follows:
Dental treatment
1st calendar year: max. €150
1st to 2nd calendar year: max. €300
From the 3rd calendar year basically unlimited! Exception for professional dental cleaning:
Mehr Zahnvorsorge D at 100% up to a maximum of €150 per year
Mehr Zahnvorsorge Bonus D at 80% up to a maximum of €200 per year
Orthodontics
1st calendar year: max. €150
1st to 2nd calendar year: max. €300
The total benefit for orthodontics is €2.000 for the entire term of the contract. Applies to insured persons up to the age of 21, beyond that age — only resulting from an accident.
Please also note
Treatment that was necessary, advised or planned before the start of the insurance and dental prostheses are excluded from the insurance cover.
Do you have questions?
At Insurance Starter, together we have more than 25 years of consulting experience in the field of dental insurance.
Alexandra Pilyus
Insurance expert
Raphael Gruber
Insurance expert
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