Overview

• Stiftung Warentest Finanzen recommends supplemental dental insurance for statutory health plan members who value premium prostheses or anticipate extensive treatments.
• Three plans earned ’very good’ marks in the “Good and affordable” category: LKH Zu90+, HanseMerkur EZ + EZT, and Continentale CEZP-U.
• Those tariffs charge average monthly premiums of 28 to 29 euros for policyholders between 43 and 73 years old.
• Nearly all policies include a structured benefit cap ('Zahnstaffel') during the first years and some require waiting periods before covering prosthetic treatments.
• Patients who complete annual dental check-up stamps for five or ten years can boost statutory reimbursements to 70 or 75 percent for expensive procedures.