Press release

No excess payable for implants

Press release 2 May 2016

DKV Deutsche Krankenversicherung, the ERGO health insurer, is one of the few companies in Germany to offer supplementary insurance for dentures with 100 percent reimbursement. This eliminates the normal excess for customers who even receive implants and inlays.

The new tariff (KDTP100) reimburses the entire invoice amount for dentures, dental composites, inlays and implants, less the advance amount paid by the statutory health insurers. Even if the health insurer does not bear treatment costs because, for example, the dentist is not on the national health insurers’ approved list, then DKV still pays 70 percent of the invoice amount.

“I am not aware of any other tariff on the market that offers such extensive benefits when it comes to dentures”, says Benno Schmeing, Head of Product Management at DKV. “For example, whoever wants veneered crowns for aesthetic reasons can be reimbursed by us for all teeth. Other health insurers usually only pay for front teeth.”

A further advantage is that DKV also assumes the costs for adjusting dentures. According to DKV, around one in seven cases of functional analysis and functional therapy benefits prevent damage such as pain or clicking in the jaw joint. The costs involved, between 100 and 1,500 euros, are not taken over by statutory health insurers. The new DKV tariff, however, includes these benefits.
Also included are costs for acupuncture, general anaesthetic, and other pain therapy at the dentist. This is particularly beneficial to those who are scared of going to the dentist. Additionally, DKV pays for mouth guards to prevent teeth grinding at night.

The KDTP100 tariff can be taken out online at and is calculated according to the type of insurance against damage required, meaning that no ageing provisions are set up. The monthly cost starts at 16.11 euros for young adults, increasing with age to up to 63.92 euros.

More information:

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For further information, please contact:

Sybille Schneider

Media Relations
Sybille Schneider

Tel +49 211 477-5187
Fax +49 211 477-3113

About DKV
For over 80 years, the DKV has been a pioneer in the industry with needs-orientated and innovative products. The health specialist provides comprehensive health and nursing care insurance coverage, as well as health care services to customers in private and state health insurance, and organises high-quality medical care. In 2015, the company recorded a premium income of 4.8 billion euros.
DKV is the health insurance specialist of the ERGO Group and thus part of Munich Re, one of the world's leading reinsurers and risk carriers.  
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This press release contains forward-looking statements that are based on current assumptions and forecasts of the management of DKV Deutsche Krankenversicherung. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forwardlooking statements or to conform them to future events or developments.

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