Supplementary dental insurance
What your health fund leaves opendoes not have to become your bill.
Dentures, prevention or treatment already recommended: in one minute you can see which route may fit your situation.
Start the dental check- 1 minute
- no contact details
- acceptance only in the application
Your starting point
Has treatment already been recommended?
4 routes. 1 clear recommendation.
1 minute. No contact details.
Where are youright now?
Four short questions are enough. You will then see the route worth checking next.
Your dental check
about 1 minuteFour answers. One clear next step.Question 1 of up to 4
Question 1 of up to 4
Has your dentist recommended or started treatment?
For example a crown, filling, root canal, implant or treatment and cost plan.
Four routes. Clearly separated.
Your dental situation decides. We show you which route is genuinely open today.
The dental check first classifies your situation. Only then do premium and application follow.
ZAHN Prestige
die Bayerische
For high protection when nothing is currently recommended and the acceptance conditions fit.
ZahnPRIVAT
UKV
Three benefit tiers for families, prevention and different budgets.
ZahnUpgrade
LKH
With 1 to 3 missing teeth, cover may be possible with a surcharge if nothing has been recommended.
Check the LKH rule
ZAHN Sofort
Immediate cover
Up to €1,500 may be possible when sign-up and invoice timing meet the conditions.
Acceptance and exact benefits are only checked bindingly in the application.
KassenBoost after your tariff choice
Find the health fund that best fits your tariff.
Your bonus can offset up to 100% of your effective tariff premium.
We compare premium, realistically achievable bonus and benefits and calculate your personal amount transparently.
This subsidy is possible
How much of it can you unlock?
€1,155Active + pregnancy · suitable evidence · recognised out-of-pocket costs
€1,155Illustrative example. The subsidy actually available depends on the current bonus terms.
Try the bonus yourselfHow much of your premium could you get back?
Select your activities and see separate estimates for a cash bonus or a subsidy towards the plan premium.Interactive IKK classic exampleOpen bonus calculatorClose bonus calculator
How much of your premium could you get back?
Select your activities and see separate estimates for a cash bonus or a subsidy towards the plan premium.Interactive IKK classic exampleYour Personal Bonus Calculator
Select what you already do. The calculator keeps the cash bonus and the threefold subsidy for documented costs separate.
What applies to you?
A realistic example is preselected. Adjust it to the activities you can actually document.
Submit proof digitally
Bonus activities require proof accepted by IKK classic, such as confirmation in the app, a participation certificate or a stamp. For a subsidy towards an insurance premium, you also provide evidence of the insurance type, period and premium paid.
Official IKK 2026 information sheet (April 2026)Bonus for Apple Watch & fitness devices
A subsidy towards a fitness tracker or another device that records health status may also be available. Payment is limited to the documented cost and subject to the current bonus terms.
Potential subsidy towards your premium:
Dental plan, from around €10 per month at age 30
A further €270 of subsidy potential would require additional documented eligible costs; it is not paid out as a surplus.
Click on the premium to enter your individual amount (incl. risk surcharge).
Your bottom line
Your potential subsidy reaches the documented annual premium.
Example calculation based on your inputs. The subsidy is capped at the documented annual premium; premium, bonus and eligibility depend on the applicable terms.
Your statutory-insurer bonus may offset part or up to 100% of the eligible dental-plan premium. The applicable bonus and tariff terms determine the result.Cash bonus and subsidy are alternatives and are not added together. The subsidy is capped at your documented eligible costs.
The calculator uses the 2026 IKK classic bonus model as an example. Cash bonus and subsidy are alternatives. The subsidy is capped at documented eligible costs; the insurer’s current terms always apply.
Simply explained
Understand first. Then choose suitable cover.
Healio combines digital tariff routes with personal guidance. You keep the decision.
- 01
Clarify your situation
The check separates treatment, missing teeth and your benefit priorities.
- 02
Compare the route
You only see the route that may match your answers.
- 03
Check bindingly
Premium, health questions and acceptance appear in the insurer application.
Direct AI help from Healio
Want a quick explanation?
Nita answers the question you have right now — clearly, without jargon and in just a few moments.
Starts only after your privacy approval.
Everything important before you apply
Your questions. Clearly answered.
Treatment has already been recommended. Is it too late?
Not necessarily. ZAHN Sofort may provide a subsidy of up to €1,500. You must sign up before the invoice, treatment must not yet be completed or invoiced, and the module is only available with a new contract.
Can I still get cover with missing teeth?
LKH ZahnUpgrade 70+ or 90+ can generally be assessed with up to 3 missing, unreplaced teeth. The underwriting guideline states a €5 surcharge per missing tooth. Treatment already started, recommended or intended is excluded. The application is binding.
Open LKH underwriting guidelineHow does immediate cover work when treatment is underway?
ZAHN Sofort is an add-on to a new dental tariff. Up to €750 per calendar year and €1,500 in total may be possible. You must sign up before the invoice; treatment already completed or invoiced is not included. The add-on ends after 24 months while the dental tariff continues.
What does supplementary dental insurance cost?
The premium depends in part on age, tariff and benefit tier. That is why we do not quote a blanket teaser price. The respective tariff calculator shows your actual premium before you submit the application.
Which health questions do I need to answer?
This varies by insurer and tariff. Questions often cover missing teeth, treatment underway or recommended, and certain pre-existing conditions. Answer fully and truthfully; the exact questions appear in the respective application.
Are there waiting periods?
That depends on the tariff. Even without a traditional waiting period, benefit scales, maximum limits and exclusions may apply. The tariff terms and start date always matter; existing treatment is not automatically insured.
Can my health fund bonus cover the entire premium?
Your bonus can offset up to 100% of your effective tariff premium. We compare premium, realistically achievable bonus and benefits so you can see which health fund best fits your tariff.
What happens after the dental check?
The check first shows you the sensible assessment route. You then open the matching tariff calculator, see the premium and conditions and answer the health questions. Only the insurer makes the binding decision on acceptance and benefits.
Can I cancel the contract later?
Yes, within the contractual rules. Minimum term and notice period may differ by tariff. You will find them in the insurer documents before applying.
Why can I trust Healio’s guidance?
Healio is a registered insurance broker. We separate guidance, tariff calculation and binding acceptance, keep conditions visible and remain personally available. The dental check does not store or transmit your answers. Only the insurer makes the binding decision in the application.
Your next step
Find the dental route that may suit you.
Four questions. One clear direction. You decide only when everything is understandable.