The digital option with English support: ottonova↗ — dental top-ups with online sign-up and a clear coverage table. Classic tariffs: compare via Check24↗.
Pick the Tariff Before It Hurts
Three questions for any tariff: the dentures percentage (80–100), first-year limits, and cleaning coverage. Sign up while nothing aches.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
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Max recommends:
I chose a 90 percent tariff over 100: a third lower premium, and the treatment difference is hundreds, not thousands. The maths almost always favours 90.
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Lea recommends:
Check the Zahnstaffel: the caps of the first 4 years. If implants are on your horizon, a 1000 € cap is useless — look for 2000 plus.
FREQUENTLY ASKED QUESTIONS
My teeth already have crowns — will I be accepted? ▾
Missing teeth and already recommended treatments get excluded or surcharged. Answer honestly — the patient file reveals everything at the first invoice.
How long until the first payout? ▾
Many tariffs have 3–8 months waiting time and yearly caps at the start (e.g. 1000 € in year one). So sign up before problems, not at the first toothache.
The dentist already recommended a crown — can I still sign up? ▾
No: recommended or started treatments are excluded in every tariff, and concealing them voids the contract. Insurance covers future problems, not current ones.
Is the 100-percent tariff worth it? ▾
Often not: the 90-vs-100 price gap is large while the payout difference on a crown is a few hundred euros. The sweet spot for most: 85–90 percent with cleaning included.