Dental prosthetics up to 100% reimbursed. Your IKK bonus helps pay the premium.
Dental cover from just a few euros per month. The IKK classic bonus can refinance up to 100% of the premium, and we check your individual potential with you.
Your premium can fully refinance itself: IKK classic rewards health-conscious behaviour with a strong bonus programme. Depending on your bonus, it offsets up to 100% of the premium. Calculate yours below. And even if your dentist has already recommended treatment, the immediate-cover path still has a solution.
Our partners: die Bayerische, UKV & IKK classic
In cooperation with
Depending on the bonus activities you complete, the IKK classic bonus programme can offset part or all of your dental supplementary insurance premium.
More IKK classic awards
Your clear recommendation in 1 minute
Answer up to 4 short questions. We know the insurers' acceptance rules in detail and lead you straight to the tariff that will actually accept you.
Question 1
Has your dentist recommended or started a treatment within the last 2 years?
For example a crown, root canal, filling, implant or a treatment and cost plan. A documented finding in your patient record also counts as recommended.
Your answers are not stored or transmitted. They are only used for the recommendation on this page.
Acceptance is only checked bindingly in the application of the respective insurer. The check does not replace individual advice.
Need dental work? It is not too late for insurance.
Many people assume that insurance is no longer possible once treatment has been recommended. Depending on the timing, an immediate-cover route may still be available. Healio gives you a clear, factual assessment for both situations.
One question decides: Has your dentist recommended or started a treatment within the last 2 years?
Immediate cover for urgent cases
die Bayerische · Dental tariff + ZAHN Sofort module
With the ZAHN Sofort module, die Bayerische adds up to €1,500 towards a treatment that has already been recommended or started (€750 per calendar year, on top of the subsidy from your statutory health insurance). Timing is what matters: you must sign up before your dentist issues the invoice.
Show benefits and important detailsHide benefits and important details
- Up to €1,500 towards recommended and ongoing treatments
- Applies to dentures and dental treatment, from crowns to root canals
- Immediate protection without waiting periods, the dental tariff then continues for everything new
- Only available at initial sign-up: choose the module right away, it cannot be added later
- Important: sign up first, receive the invoice afterwards
The calendar-year trick: 1,500 instead of 750 euros
The subsidy applies per calendar year (up to 750 euros, up to 1,500 euros in total). Example: diagnosis in September, sign up immediately, before the invoice is issued. If the first treatment step is invoiced in December and the treatment is completed in the new year, you use both annual allowances, up to 1,500 euros. Larger treatments often span the turn of the year anyway, just discuss the treatment plan with your dentist.
You will be redirected to the online calculator of die Bayerische.
Strong prevention before anything comes up
UKV (Union Krankenversicherung) · ZahnPRIVAT
If your dentist has not recommended any treatment in the past 2 years, ZahnPRIVAT gives you high reimbursements for dentures, dental treatment and professional teeth cleaning. Three tariff levels, so the cover fits your budget. Especially strong for families.
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- Orthodontics for children: up to 5,000 EUR in the top tiers, all KIG levels, including aligners
- Professional teeth cleaning with no annual limit in the top tiers, not counted towards the reimbursement scale
- Lenient acceptance: health questions only look back 2 years
- Up to 3 missing teeth fully co-insured for a fixed surcharge, the reimbursement scale remains uncut
- Full benefits even without your statutory insurer paying first, for example at a private dentist
Up to 5,000 euros for your child's orthodontics
The top tiers of ZahnPRIVAT include an orthodontics budget of up to 5,000 euros for children. For comparison: many dental tariffs stop far earlier. Signing up early matters, before the orthodontist recommends a treatment.
You will be redirected to the online application of Versicherungskammer (UKV). Select the dental section there.
Still unsure? Decide by what you needEight typical situations, one clear recommendation.Open needs guideClose needs guide
A treatment has been recommended or is already underway
Our recommendation
die Bayerische: dental tariff plus the ZAHN Sofort module. Important: sign up before the invoice is issued.
Maximum coverage with healthy teeth
Our recommendation
die Bayerische ZAHN Prestige: Stiftung Warentest winner (grade 0.5), 100% for dentures.
Family with children
Our recommendation
UKV ZahnPRIVAT 90 or 100: orthodontics for children with up to 5,000 EUR.
Professional teeth cleaning matters to you
Our recommendation
UKV ZahnPRIVAT 90 or 100: teeth cleaning with no annual limit. With die Bayerische it is capped per calendar year.
Dental history, such as periodontitis, a denture or older prosthetics
Our recommendation
UKV ZahnPRIVAT: health questions only look back 2 years, older diagnoses and recommendations do not need to be declared. Even with periodontitis within the last 2 years you are accepted, with an exclusion only for periodontal treatments instead of a rejection.
You are missing 1 to 3 teeth that have not been replaced
Our recommendation
UKV ZahnPRIVAT: fixed surcharge per tooth, the gaps are fully co-insured and the scale remains. Important: sign up before the replacement is recommended. die Bayerische does not accept missing teeth.
More than 3 missing teeth
Our recommendation
Special path: our two partners do not accept from 4 missing teeth. But there is an immediate-cover solution on the market without health questions that co-insures this too. We name it for you free of charge: +49 40 89755705.
Affordable entry
Our recommendation
die Bayerische ZAHN Smart or UKV ZahnPRIVAT 75: solid basic cover, at age 30 for example from around 10 euros per month.
And the premium? The IKK bonus can fully refinance it.
Whichever path you choose: IKK classic rewards health-conscious behaviour with a strong bonus programme. How much you get back is individual and can be checked in advance. Depending on your bonus, up to 100 % of your premium can be refinanced. Calculate it right away.
Acceptance is subject to the health questions and underwriting guidelines of the respective insurer.
Dental insurance: what statutory insurance does not cover.
Statutory insurance only covers the basic rate for dentures. Depending on your situation, die Bayerische or UKV covers the rest.
Immediate cover possible
The ZAHN Sofort module of die Bayerische even covers treatments that have already been recommended or started, with up to €1,500 towards them. Important: sign up first, receive the invoice afterwards.
Up to 100% for dentures
Crowns, bridges, implants and inlays, depending on the chosen tariff from die Bayerische or UKV ZahnPRIVAT.
Prophylaxis & teeth cleaning
Professional teeth cleaning is included in the tariffs, with an annual budget depending on the tariff.
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Dental treatment & aesthetics
Fillings, root canal and periodontitis treatments up to 100% depending on the tariff, premium tariffs also include aesthetic benefits.
Missing teeth insurable
With UKV, up to 3 already missing teeth can be fully co-insured for a fixed surcharge per tooth, and the reimbursement scale remains untouched. Important: sign up before your dentist recommends the replacement.
Two award-winning insurers
die Bayerische (Stiftung Warentest VERY GOOD 0.5 for ZAHN Prestige, 07/2025) and UKV (Franke & Bornberg FFF+ for ZahnPRIVAT 100).
Fair acceptance
Acceptance is subject to the health questions of the respective insurer. The tariff guide above leads you to the path that fits your situation.
Your Personal Bonus Calculator
This is how the IKK classic bonus works: Select your activities and see instantly how much you can get back!
Select your activities:
A typical example is already selected. Simply adjust it to your own activities.
Simple & trust-based
IKK classic trusts its members. Proof is only requested in rare individual cases and on a spot-check basis. You don't need to meticulously document every activity, just report it and collect your bonus.
Bonus for Apple Watch & fitness devices
You can also use your IKK bonus towards an Apple Watch, fitness tracker, or other fitness devices. Simply submit it through the bonus program and collect the subsidy.
Your potential bonus:
Dental plan, from around €10 per month at age 30
Click on the premium to enter your individual amount (incl. risk surcharge).
Your bottom line
Your bonus covers the entire yearly premium.
Example calculation based on your inputs. Your premium depends on tariff and age, your bonus on your health insurer and the activities you complete.
Your bonus is paid out or used as a subsidy for paid supplementary insurance premiums. This can make your health budget of up to €3,000 over 2 years effectively much cheaper.
You stay publicly insured and use the better bonus
You are not leaving the statutory system. You are only switching to the fund whose bonus better supports the supplementary cover you want.
TeleClinic
24/7 Online DoctorReach doctors from 60+ specialties around the clock via the app, by video, no waiting room.
Available 24/7
Doctor consultation within 30 minutes, even at night and on weekends
60+ specialties
From general medicine to dermatology, almost every concern is covered
Skin Checker
Photo diagnosis for skin changes within 24 hours
E-prescription & sick note
Electronic prescriptions and sick notes directly to your phone
Premium status
As an IKK member, you enjoy priority treatment in the app
Free for IKK members
Simply download the TeleClinic app and register with your IKK insurance number
BetterDoc
Specialist search & second opinionNeed a specialist or unsure about a surgery? BetterDoc finds the best doctor for your case.
Independent doctor search
BetterDoc researches the optimally qualified specialist for your diagnosis
Second opinion before surgery
Especially for back, knee, and hip, 85% of back surgeries could be avoided
Quality-assured
Doctors are selected based on medical data and experience values
Appointment service
BetterDoc can arrange the appointment with the specialist for you
Free & non-binding
Hotline: 0800 444 6 999 (Mon–Fri, 9am–5pm)
Everything included, no extra cost
TeleClinic and BetterDoc are an integral part of your IKK classic membership. No surcharge, no waiting, just use them.
10 %
for environmental organizations
Healio donates 10% of its revenue to environmental organizations. Not because we have to, but because we believe: those who promote health must also protect the environment.
Nature conservation
Supporting projects to preserve natural habitats
Clean water
Promoting initiatives for clean waters and drinking water
Healthy future
Investing in a world where health and nature belong together
Donations go directly to selected, certified environmental organizations. Healio acts out of its own conviction, no extra cost for you.
Frequently asked questions about dental insurance
Everything you need to know about immediate cover, tariffs and the IKK bonus.
Yes, that is exactly what our immediate-cover path is for: with the ZAHN Sofort module, die Bayerische insures treatments that have already been recommended or started, with up to €1,500 towards them (€750 per calendar year) on top of your statutory subsidy. Only the timing matters: you must sign up before your dentist issues the invoice.