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Best dental insurance plans in 2025

As 2024 ends, several insurance companies have launched new and revised existing insurance plans. In our latest research on best dental insurance plans, we discovered that new insurance plans have replaced the old ones from the top spot.

Old dental insurance plans that were on the top spot.

• ​Deutsche Familien Versicherung (Exklusiz)*
• Barmenia
• Feather (Insurance agent who sells Barmenia's dental insurance plans)

New dental insurance plans that took the top spot.

• ​Deutsche Familien Versicherung (Exklusiz)*
• Allianz (MeinZahnSchutz 100)

Here is why Barmenia and Feather couldn't make it.

• Added a reimbursement limit on dental treatment costs in the first two years. Earlier, there was no reimbursement limit.
  • The insurer will reimburse only 150€ in the first and second years for dental treatments like plastic fillings, periodontal treatments, etc.
• Limited the reimbursement of professional teeth cleaning to 200€ per annum. Moreover, Barmenia will only reimburse 80% of the costs.

Deutsche Familien Versicherung (DFV) kept its top spot

​DFV* didn't reduce its services. On the contrary, it improved them further. Moreover, it kept the insurance premiums the same.

DFV increased the reimbursement limits in the first four years to the highest level in the industry.

• 1st year: 1750€
• 2nd year: 3500€
• 3rd year: 5250€
• 4th year: 7000€
• 5th year: no limit

Every dental insurance company sets reimbursement limits in the initial years. Thus, having high reimbursement limits is vital.

You can read our complete report here.

Is taking a dental insurance plan worth it in Germany?

​Dentists are expensive in Germany. Unfortunately, public health insurance covers only a small part of your dental costs. Thus, having a good dental insurance plan is vital.

However, whether you need supplementary dental insurance depends on your life situation. Taking a dental insurance plan is worth it for the following people.

• You are 35 years old or above. The probability of developing dental problems increases drastically after 35. Moreover, getting a good and cheap dental insurance plan with existing dental problems is tough. Thus, we recommend getting one before you develop a dental problem.
• Regular smokers should get a dental insurance plan before it's too late.
• You are starting to develop dental problems.
• You don't take care of your dental hygiene.

You don't need dental insurance if you fall into one of the following categories.

• You have healthy teeth and are under 35.
• You maintain your dental hygiene, e.g., performing professional teeth cleaning twice a year, visiting the dentist regularly, etc.

News

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