This is how much additional dental insurance costs in old age

Not always cheap

Additional dental insurance: You have to expect these costs

Anyone who needs dentures usually pays more – less with additional dental insurance. But the policy isn’t available for free. What costs insured people have to expect depending on their age.

Crown, bridge or inlay: dentures are expensive. There is a fixed subsidy from statutory health insurance. Patients have to pay some of the costs themselves – and these can sometimes be large amounts. Many people therefore consider taking out additional dental insurance in order to reduce their own contribution.

Important to know: “Supplementary insurance usually only provides a proportionate amount,” says Julia Alice Böhne from the consumer protection organization Bund der Insured (BdV) in Hamburg. Depending on the tariff, it covers a percentage of the costs that remain after deducting the advance payment from the statutory health insurance company. “There is almost always a remaining amount left for the insured to pay,” says Böhne.

But how expensive is additional dental insurance on average? The costs for supplementary dental insurance with aging provisions that is classified as recommended by the BdV are in the following ranges (research status: December 2025):

Entry age 30 years: 22 to 51 euros per month

Entry age 40 years: 25 to 58 euros per month

Entry age 50 years: 27 to 65 euros per month

Depending on the individual case, risk surcharges may also apply.