Getsafe Dental Insurance: all you need to know

Dental care in Germany can be expensive, and public health insurance (Gesetzliche Krankenversicherung) often falls short of covering these costs.

That’s where Getsafe’s supplemental dental insurance (Zahnzusatz­versicherung) comes into play.

In this comprehensive review, we’ll take a close look at Getsafe dental insurance, exploring its coverage, features, pricing, and what makes it stand out in the market.

So, join us as we delve into the world of Getsafe and uncover the benefits it may offer for your dental care needs.

Getsafe Dental Insurance Overview

Getsafe is a rather new entrant in the insurance market, but it’s giving other supplemental dental insurance providers a run for their money. 

Founded in 2015 by Christian Wiens and Marius Simon, Getsafe is known for its innovative approach and has over 500,000 customers.

Getsafe’s goal is to simplify insurance by minimizing complications and paperwork, and they have achieved this by becoming a fully digital insurance platform.

Here’s an overview of their offerings:

Getsafe Dental Insurance Review for 2024

Here’s a detailed review of Getsafe’s offerings.

Plans

Getsafe offers just a single insurance plan.

Starting at €9.62 per month, Getsafe offers:

• Up to €80 of the cost of professional dental cleaning
• 100% cost of composite, resin, or dental cement fillings (Zahnzementfüllungen)
• 100% cost of root canal treatments
• The full cost of periodontal treatments (Parodontosebehandlungen)
• 75% cost of teeth replacement (crown, inlays, outlays, denture)

Premiums

As already mentioned, your monthly premium depends on your age and dental condition.

For instance, if you’re 18 years old, the price is €9.38 per month.

Similarly, if you’re 30 and missing a tooth, the price is €15.62 per month.

So, at the time of sign-up, you need to fill up your details and see what price Getsafe’s system quotes you.

The good thing is that Getsafe doesn’t change any of the offerings; the plan’s features remain the same.

You’ll have to pay the extra €30 or whatever amount you’re charged by yourself.

Now, let’s see what Getsafe actually covers in its plan.

Dental Work Covered

You can only reimburse the costs of your future treatments.

Here’s a summary of what they cover:

Dental Cleaning (Zahnsteinentfernung)

Getsafe covers €80 of the cost of dental cleaning every year.

Plus, while the website doesn’t mention this, their official brochure also mentions caries diagnostics, prophylaxis, and fissure sealing.

Plastic or Composite Fillings (Kunststoff-Füllungen)

Getsafe dental insurance will cover 100% of the cost of high-quality fillings, including composite, resin, and dental cement fillings.

In case the dentist isn’t approved by statutory health insurance or GKV, Getsafe will pay 70%.

Root Canal Treatments (Wurzelbehandlung)

Getsafe offers 100% coverage for root canal treatment and root end surgery. However, if your basic insurance doesn’t cover any of the costs for this treatment, they’ll pay 70%.

Periodontal Treatments (Parodontosebehandlungen)

Just like root canal treatments, Getsafe will cover 100% of the remaining costs of Periodontal treatments. The policy includes advanced dental treatments like ultrasonic procedures, mucosal transplants, bacterial analysis, and DNA testing.

Dental Prostheses (Zahnersatz) or Teeth Replacement

Getsafe covers 75% of the remaining costs of teeth replacement procedures like implants, crowns, bridges, veneers, inlays, onlays, and dentures.

In case the dentist isn’t approved by statutory health insurance or GKV, Getsafe will pay 45%.

What’s Not Covered

Thankfully, Getsafe is pretty transparent about its policy offerings and clearly lists what its plan doesn’t include.

Here’s what they say on the website:

The first two points are pretty self-explanatory. Let’s see what the last three entail:

• Getsafe won’t cover you if you’re injured while partaking in martial arts or professional sports. What counts as professional sports? A sport that accounts for at least 50 percent of your income.
• Getsafe won’t cover you if you suffer illness or injury as a result of an accident you caused with your actions.

For example, let’s say you ride a bicycle while intoxicated and crash and break your teeth as a result. In this instance, Getsafe won’t cover the costs of your treatment.

• Getsafe also will not cover treatment costs for alternative and complementary medicine. This includes naturopathy, homeopathy, and osteopathy.

Sadly, Getsafe doesn’t offer dental coverage for Orthodontics and additional anesthetic (Vollnarkose).

Limitations

Like the rest of the dental insurances in Germany, Getsafe also has limits to its coverage.

They use their dental claims scale to determine your coverage limits according to your insurance period.

Here is a simple explanation of what this scale means:

• In the first 12 months of your policy, the maximum you can claim is €800.
• After 24 months, your maximum claim limit increases to €1,600.
• At the 36-month mark, it goes up to €2,400.
• After 48 months, you can claim a maximum of €3,200.
• Beyond 48 months, there are no limitations, and you can claim an unlimited amount for dental treatment.

Thankfully, Getsafe understands that accidents can happen to anybody at any time.

User Experience

Getsafe is a fully digital platform that offers an amazing user-friendly experience.

How?

For starters, you don’t have to wait for the coverage to be activated. You can access all the benefits on day one of signing up with them.

Then, there’s the user-friendly website and mobile app. Yes, Getsafe is one of the few dental insurers that offer a mobile app to manage your policy, file claims, or contact support 24/7.

Finally, there’s the English support.

These amazing features put Getsafe among the best dental insurance providers in Germany.

Reimbursement Process & Time

Getsafe boasts a fast and efficient claims process.

Yes. You can get your invoice reimbursed within 48 hours.

All you need to do is submit a scan or photo of the necessary documents, and their system will compute how much it will reimburse you for the treatment.

Once your treatment is complete, simply submit your bills, and they will reimburse the amount in two working days.

Contract Period & Cancellation

Getsafe has a minimum contract period of two years.

This means you can’t cancel your policy before that, so you have to think carefully before signing up.

Once you’ve completed the contract period, you can cancel your insurance any month.

Eligibility

Finally, let’s understand Getsafe’s eligibility conditions.

First, Getsafe’s additional dental insurance doesn’t work with private health insurance.

Then, there’s the age limit. Getsafe only allows you to sign up if you’re over 18 and under 70 years old.

Also, you can’t sign up with Getsafe, if you have:

• Removable false teeth
• More than one original tooth missing
• A disease of the periodontium (periodontosis/periodontitis) diagnosed on one or more teeth within the last three years
• Periodontosis/periodontitis treatment has been carried out or recommended within the last three years

Getsafe asks these questions at the time of sign-up, and if you answer these with yes, you’ll get the following sad reply:

Verdict

Getsafe Dental Insurance is a compelling choice for individuals seeking comprehensive dental coverage in Germany.

Its insurance plan is particularly well-suited for expats and English-speaking residents, addressing language barriers and offering a user-friendly mobile app for easy policy management.

The promise of reimbursing invoices within 48 hours is a standout feature that can provide peace of mind to policyholders. Plus, there are no coverage limitations in case of accidents, so you can rest easy that you’re not bound by strict claim caps during urgent situations.

However, there are some drawbacks as well. For instance, you can’t sign up if you’re under 18 or over 70. Similarly, it doesn’t cover the dental treatment cost for orthodontics, which might be a huge concern for some people.

Still, Getsafe is an excellent option. Its innovative approach to simplifying insurance, English customer support, and user-friendly digital platform make it one of the best dental insurance options in Germany.