Dentist — Bonus Booklet, Supplementary Insurance & Hardship Clause

Regular dental visits — the importance of the Bonus Booklet

In Germany, statutory health insurance (GKV) covers the costs of two dental check-ups per year. Crucial is the Bonusheft: have it stamped at every visit. Those who consistently attend annual check-ups for 5 years receive a 20% higher subsidy for dental prosthetics. After 10 years, the bonus increases to 30%.

What the insurance covers

• Check-up examinations (2× yearly)
• Tartar removal (1× yearly)
• Fillings in standard form (amalgam or tooth-colored composite for front teeth)
• X-rays when medically necessary

Professional tooth cleaning (PZR) is not a covered service, but many insurers offer partial reimbursement as a bonus program — ask about it.

Supplementary dental insurance

Dental prosthetics (crowns, bridges, implants) can quickly cost several thousand euros. GKV only pays the so-called fixed subsidy (approx. 60% of standard treatment). Supplementary dental insurance covers 70–100% of total costs depending on the plan. Important:

• Sign up early — before any treatment is needed
• Waiting periods apply (usually 8 months)
• Monthly premiums: approx. 10–40 € depending on age and coverage scope

Hardship clause — double fixed subsidy

Those with low income (2026: €1,414 gross for single persons) can apply for a hardship provision with their insurance. The insurer then covers the double fixed subsidy — fully covering standard treatment. Recipients of basic income support, BAföG, or social assistance automatically qualify.

Tips for foreigners

• Bonus booklet maintained in your home country? Present proof to your dentist — some insurers recognize foreign preventive care.
• Dental emergency service: 116 117 or search at kzbv.de
• Interpreters: many practices have multilingual staff — ask when scheduling your appointment.

As of: March 2026. All information without guarantee.