The rule in one line: paper first, drill second. The HKP turns treatment into an agreed calculation where your own share is fixed to the euro in advance.
Zahnzusatz: Treatment by the Payout Rules
Expensive treatment starts not in the chair but with the Heil- und Kostenplan: the estimate goes to insurer and top-up insurer BEFORE starting — or payouts get cut.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
My implant: HKP of 2680 €, public insurer 487 €, top-up confirmed 1973 € within 4 days in the app. I sat down knowing my share: 220 €.
👩🏼💼
Lea recommends:
If the insurer confirms less than expected, show the letter to your dentist: often an equivalent cheaper position exists and the plan gets rewritten without losing quality.
FREQUENTLY ASKED QUESTIONS
Started treatment without approval — all lost? ▾
Not necessarily: submit invoice and HKP afterwards — many still pay. But you have gifted the insurer a formal reason to refuse.
The dentist offers private extras beyond the public plan — how does the insurer know? ▾
From the GOZ marking on the invoice: that is exactly what top-up insurance exists for. Have public and private parts separated clearly.
The public subsidy was cut for an empty bonus booklet — does the top-up compensate? ▾
Good tariffs calculate from the total and soften the loss, but not fully. The booklet stays your job.