Dental Insurance Austria 2026: Comparison & Tips
Dental insurance in Austria 2026: Costs, coverage, waiting periods compared. Find the best dental insurance for your needs.
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Why Is Dental Insurance Worth It in Austria?
The statutory health insurance in Austria only covers part of dental treatment costs. Implants, high-quality fillings, and braces must be largely paid for by patients themselves. Dental supplementary insurance (Zahnzusatzversicherung) closes this gap and can save thousands of euros in out-of-pocket costs. For a complete overview of public vs. private health insurance in Austria, see our detailed comparison.
What Does ÖGK Cover for Dental Treatments?
The Austrian Health Insurance Fund (ÖGK) only covers basic services:
| Treatment | ÖGK Reimbursement | Typical Cost | Your Share |
|---|---|---|---|
| Dental implant | €0 | €1,500–3,500 | 100% |
| Ceramic crown | ~€150 | €800–1,200 | ~85% |
| Braces (adults) | €0 | €3,000–8,000 | 100% |
| Composite filling (white) | Partial | €80–200 | 50–80% |
| Professional cleaning | €0 | €80–150 | 100% |
Example: A single dental implant with crown costs on average €2,500–4,000. With three implants, that's up to €12,000 out-of-pocket – without supplementary insurance.
What Does Dental Insurance Cover?
Coverage Areas Overview
| Area | What's Covered? | Typical Reimbursement |
|---|---|---|
| Dental prosthetics | Implants, crowns, bridges, dentures | 50–90% |
| Dental treatment | High-quality fillings, root canals | 70–100% |
| Orthodontics | Braces (children & adults) | 50–80% |
| Preventive care | Professional cleaning, fluoride treatment | 100% (up to limit) |
| Whitening | Cosmetic teeth whitening | Rarely included |
Dental Insurance Comparison 2026
Top Providers in Austria
| Provider | Tariff | Prosthetics | Premium/Month* | Waiting Period |
|---|---|---|---|---|
| Uniqa | MedCare Dental Premium | 90% | from €35 | 6 months |
| Wiener Städtische | Zahn Plus | 80% | from €28 | 8 months |
| Merkur | Dental Care | 70% | from €22 | 12 months |
| Generali | Zahnschutz Exklusiv | 85% | from €32 | 6 months |
| Allianz | DentalBest | 75% | from €25 | 6 months |
*Sample premium for 35-year-old, may vary by age and health status. As of February 2026
Compare Dental Insurance Now →
What to Consider When Signing Up
1. Understand Waiting Periods
Most insurers have waiting periods of 6–12 months for major treatments. This means: If you sign up today and need an implant next month, the insurance won't pay.
Tip: Sign up while your teeth are still healthy!
2. Check Coverage Limits
Many tariffs have coverage limits in the first years:
| Year | Typical Maximum | Example |
|---|---|---|
| 1st year | €500–1,000 | 1 crown possible |
| 2nd year | €1,500–2,500 | 1 implant possible |
| 3rd year | €3,000–5,000 | Larger restoration |
| From 4th year | Unlimited | Full coverage |
3. Answer Health Questions Honestly
When signing up, health questions are asked:
- Existing dental problems?
- Missing teeth?
- Planned treatments?
Important: False information can lead to claim denial! This also applies to other supplementary health insurance products.
4. Free Choice of Dentist
Make sure you have free choice of dentist and aren't limited to contracted dentists only.
Who Should Get Dental Insurance?
Recommended for:
- People 30+ – Dental problems increase with age
- Families with children – Orthodontics can cost thousands
- People with dental problems in the family – Genetic predisposition
- Those wanting quality treatment – Implants instead of dentures
Less Useful for:
- Very young people with perfect teeth (under 25)
- If many teeth already missing (pre-existing conditions often excluded)
- For acute dental problems (waiting periods!)
Cost-Benefit Calculation
Example: Is Insurance Worth It?
Calculation Example Over 10 Years
Without insurance:
- 2 implants: €6,000
- 3 crowns: €2,400
- 10x cleaning: €1,200
- Total: €9,600
With insurance (example €30/month, 80% reimbursement):
- Premiums 10 years: €3,600
- Co-pay implants: €1,200
- Co-pay crowns: €480
- Cleaning: €0 (100% covered)
- Total: €5,280
Savings: €4,320
Frequently Asked Questions (FAQ)
Are already damaged teeth covered?
Generally not. Existing dental damage and already planned treatments are excluded from coverage. That's why it's important to get dental insurance while teeth are still healthy.
Can I use the insurance immediately?
Most tariffs have waiting periods of 6–12 months for prosthetics. For preventive care (cleaning) and accidents, there's often no waiting period. Some premium tariffs offer shorter or no waiting periods for higher premiums.
Is dental insurance tax-deductible?
Yes, in Austria health insurance premiums (including dental supplementary) can be claimed as special expenses (Sonderausgaben). The deductible amount depends on income. Consult a tax advisor for details.
Can I switch providers?
Yes, but note: When switching, waiting periods start over. Also, health questions are asked again with the new insurer, and existing damage is no longer insurable.
Are implants always covered?
Not in every tariff. Basic tariffs often exclude implants or only reimburse 50%. Look for tariffs with explicit implant coverage and check the maximum reimbursement per implant.
Conclusion: Sign Up Early
Dental supplementary insurance is a sensible investment for most people in Austria. Statutory health insurance only covers basic services, and a single implant can cost several thousand euros.
Our recommendation:
- Sign up while your teeth are healthy
- Choose a tariff with at least 70% reimbursement for prosthetics
- Ensure free choice of dentist
- Compare multiple providers
Compare Dental Insurance at durchblicker.at →
Related Articles
- Public vs Private Health Insurance Austria 2026 - Which system is right for you?
- Cost of Living in Austria 2026 - Complete guide to expenses
- Everything That Changed in Austria 2026 - New laws and regulations
Updated: February 2026 | All information without guarantee
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No Financial or Legal Advice: The information provided on this website is for general information purposes only and does not constitute financial, legal, or tax advice. It does not replace individual consultation with a professional expert.
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Information as of: November 2024. All information without warranty. Changes and errors excepted.
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