Your smile is your strongest status signal. Why let statutory coverage set the standard?

Not necessarily. UKV asks about recommendations from the last 2 years and treatment currently intended or underway. An older recommendation does not automatically cover treatment planned today. Exception: for braces, an older recommendation still counts. ZAHN Sofort may provide up to EUR 1,500 towards already recommended or ongoing treatment. You must sign up before the invoice, treatment must not yet be completed or invoiced, and the add-on is only available with a new contract. Acceptance and benefits are assessed in the application.

UKV asks about recommendations from the last 2 years. It also asks whether treatment is currently intended or underway, regardless of the earlier recommendation’s date. An older recommendation does not automatically cover treatment currently intended or underway. Exception: for braces, an older recommendation still counts. The application also asks about missing teeth and periodontitis. UKV makes the binding decision from the complete application information.

For 1 to 3 missing, unreplaced teeth, UKV ZahnPRIVAT provides for acceptance with a monthly surcharge per tooth: EUR 6.10 in tier 75, EUR 9.00 in 90 and EUR 10.90 in 100. After acceptance, gap teeth may be covered within the policy’s scope; the normal benefit scale applies. Baby teeth, wisdom teeth and a complete gap closure do not count. With 4 or more missing teeth, acceptance is not possible. If restoration was recommended in the last 2 years, is currently intended or underway, that treatment is not covered. An older recommendation alone does not guarantee cover. UKV assesses the complete application information.

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. It costs an additional EUR 29.90 a month for 24 months, plus the regular dental plan premium. 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. Acceptance and benefits are assessed in the application.

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 That is why we do not quote a blanket teaser price.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.

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.

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.

All or part of it, depending on your health fund and your activities. We calculate it individually for you. We compare premium, realistically achievable bonus and benefits so you can see which health fund best fits your tariff.

The check first shows the sensible assessment route. Before opening the external calculator, you enter your first name and email once per session so we can email you the statutory health bonus guide once. The calculator then opens in a new tab. UKV has no preselected plan: choose the recommended ZahnPRIVAT tier yourself. You see the premium and terms and answer the application questions. Only the insurer makes the binding decision on acceptance and benefits. The insurer’s application is in German.

Yes, within the contractual rules. Minimum term and notice period may differ by tariff. You will find them in the insurer documents before applying.

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.