Is dental treatment included in student insurance?

Partially. Statutory health insurance (GKV) student tariffs cover basic dental care, but premium procedures require additional payment from the user.

#GKV Standard Dental Coverage

Fully Covered:

• 1 check-up per year (Kontrolluntersuchung)
• 1 dental scaling per year (PZR — may vary, some insurances reimburse €60 annually)
• Emergency pain treatment
• Simple fillings (amalgam or white fillings standard for back teeth)
• Root canal treatment (simple, for front teeth and treatable areas)
• Resin composite (white) filling for front teeth

Partially Covered / Additional Payment:

• White fillings for back teeth (insurance covers amalgam, if you want white, you pay a difference of €30-100)
• Implants — Not covered at all (€1,500-3,000 out of pocket)
• Crowns/bridges — partial contribution (Bonus) 50-80% (depending on insurance)
• Adult orthodontics — not covered (only for those under 18)

Not Covered at All:

• Whitening (Bleaching)
• Professional cleaning (PZR) — some GKV provide a €60/year contribution
• Cosmetic/aesthetic procedures

#Bonus-Programm (Important!)

• If you go for 1 check-up per year, your "Bonusheft" gets stamped
• 5 consecutive years of check-ups → +15% contribution when crowns/bridges are needed
• 10 consecutive years → +30% contribution
• Don't lose your Bonusheft — practical savings

#Premium Dental Package (Zahnzusatzversicherung)

Recommendation: For students, TK Premium Zahn (€10/month) is very sensible — €120 annually, but 1 implant, costing €1,500, would fall under coverage.

#Practical Examples

#Scenario 1: Simple Check-up + Cleaning

• TK Standard: €0 out of pocket
• 1 check-up per year + cleaning (PZR optional, €80-120 — TK reimburses €60)

#Scenario 2: Filling Needed

• Amalgam (silver-grey): €0 out of pocket
• White filling for a back tooth: €30-100 out of pocket (difference payment)

#Scenario 3: Root Canal Treatment

• Simple root canal: €0
• Complex root canal (3+ canals, microscope): €100-300 out of pocket

#Scenario 4: Wisdom Tooth Extraction

• Standard extraction: €0
• Surgical extraction + sedation: €50-200 difference

#Scenario 5: Implant

• GKV: Not covered at all
• Out of pocket: €1,500-3,000 / implant
• If you have a premium package: €1,000 reimbursement/year

#Dental Treatment Strategy in Turkey

• Some students come to Turkey during holiday periods for dental work — the same procedure in Turkey is 50-70% cheaper
• Implants: €350-700 in TR | €1,500-3,000 in DE
• Root canal treatment: €50-100 in TR | €150-400 in DE
• Whitening: €80-150 in TR | €250-500 in DE

For emergencies, get treatment in Germany; for planned procedures, consider the Turkey option.

Related: Monthly insurance fee | TK/AOK comparison.