The orders of magnitude: cleaning (~€100/year) and fillings are bearable — crowns (€500–1,200) and implants (€2,000–3,500) are the budget killers. Exactly what the dental top-up covers.
The Public-Insurance Gap: What Teeth Cost Without a Top-Up
The public fund pays only a fixed subsidy — about 60 percent of the CHEAPEST standard treatment. An implant: €2,000–3,500 out of pocket.
✓ Verified: 15/08/2026
WHAT TO DO
COSTS
- €Implant without a top-up €2,000–3,500 out of pocket
- €Dental top-up €10–40 per month
› Details and tips
👨🏻💻
Max recommends:
Check-up reminder every January: the stamp takes 15 minutes and over the years means thousands of euros at denture time.
👩🏼💼
Lea recommends:
Professional cleaning is not covered, but many insurers refund 1–2 cleanings a year via bonus programmes — check your insurer app.
FREQUENTLY ASKED QUESTIONS
Does the bonus booklet really work? ▾
Yes: 10 years of annual check-up stamps raise the subsidy from 60 to 75 percent. The electronic version runs automatically at your dentist — ask at the next visit.
The public insurer pays something — how much exactly? ▾
A fixed subsidy: about 60 percent of the CHEAPEST standard treatment. For a 2500 € implant the insurer share is often just 400–500 € — the rest is yours.
My teeth are healthy — do I need this? ▾
That is exactly the best position: tariffs accept you without problem diagnoses and the premium is minimal. Retroactive cover does not exist — ongoing treatments are excluded everywhere.
What is the Bonusheft everyone mentions? ▾
The stamp booklet of annual check-ups. 5 gapless years: the subsidy rises from 60 to 70 percent; 10 years: to 75. A free top-up for one visit a year.