1. Ottonova Dental Insurance
Ottonova is an insurance company in Germany that offers both private health insurance and supplemental dental insurance. Ottonova’s dental insurance plans include comprehensive coverage for preventative care, dental treatments, dentures, and orthodontics.
Some key features of Ottonova’s dental insurance plans include:
- Preventative dental care: Up to 200 EUR annually for professional cleanings, prophylaxis treatments, caries risk diagnoses, and fissure sealants.
- Dental treatments: 100% coverage for all three tariff levels (Economy, Business, and First Class).
- Dentures: 70–100% coverage for dentures, including implants and inlays, depending on the tariff level.
- Orthodontics: Up to 100% coverage for children and adults, depending on the tariff level.
Eligibility:
- Ottonova dental insurance is currently only available to individuals residing in Germany.
- You must already have public health insurance (GKV) to be eligible for their supplementary dental plans.
- There are no age restrictions for joining, but coverage for children and adults may differ slightly.
Cost:
- Ottonova offers three different tariff options with varying monthly premiums:
- Economy Class: Starts at €9.90 per month
- Business Class: Starts at €19.90 per month
- First Class: Starts at €29.90 per month
Advantages of Ottonova Dental Insurance:
- Full Coverage for Dental Treatments: Ottonova covers all dental treatments, including checkups, fillings, root canals, and some preventive measures like cleanings and sealants.
- Generous Reimbursements for Prosthetics: Coverage for crowns, bridges, and implants ranges from 70% to 100%, depending on your chosen plan.
- Quick and Convenient Reimbursements: Submit your dental bills through the Ottonova app and get reimbursed within days.
- Clear Coverage: No hidden fees or complicated terms and conditions, making it easy to understand what is covered.
- No Waiting Period: Coverage starts immediately after your policy begins, so you can get treatment right away.
- International Travel Coverage: Depending on your plan, you’ll have some level of dental coverage while traveling abroad.
Disadvantages of Ottonova Dental Insurance:
- Limited to Germany: Only available for residents of Germany, not suitable for individuals living outside the country.
- Requires Existing Public Health Insurance: You cannot have Ottonova as your primary dental insurance; it’s meant to supplement existing coverage.
- Annual Maximums and Deductibles: Some services may have annual limits, and you may need to pay a deductible before coverage kicks in.
- Higher Premiums Compared to Competitors: Ottonova’s premiums are generally higher than other supplemental dental insurance providers.
- Limited Dentist Network: Not all dentists in Germany may be part of the Ottonova network, potentially limiting your choice of providers.
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