Dental Cost Calculator 2026

A dental crown costs between €400 and €1,000 depending on the material. A metal crown (standard care) costs approx. €400–500, a porcelain-fused-to-metal (PFM) crown approx. €600–900, an all-ceramic crown approx. €800–1,100, and a zirconia crown approx. €900–1,200. In 2026, statutory insurance pays a fixed subsidy of approx. €239 per crown (up to approx. €299 with a bonus booklet) regardless of the material chosen.

Statutory health insurance (GKV) pays a fixed subsidy based on standard care. In 2026 (without bonus booklet) this is e.g. approx. €239 for a crown, approx. €553 for a three-unit bridge replacing one tooth, approx. €571 for a cast-metal partial denture, and approx. €576–618 for a full denture. There is no subsidy for inlays or veneers. The subsidy is paid regardless of which material you choose — it's based on the diagnosis, not the therapy. From 1 January 2027, the GKV Contribution Stabilisation Act cuts the subsidy from 60% to 50% of standard care (60% or 65% with a bonus booklet); treatment plans already approved keep the old rate.

The fixed subsidy is a set amount paid by statutory insurance for dental prosthetics. It's based on the dental finding (e.g., missing tooth, damaged crown), not the chosen treatment. Whether you opt for an inexpensive metal crown or a premium zirconia crown, the subsidy remains the same. It covers 60% of the standard care costs (from 2027: 50%).

With a consistently maintained bonus booklet, the GKV fixed subsidy increases. Instead of 60% of standard care, insurance pays 70% after 5 years of regular check-ups and 75% after 10+ years. For a crown with a €239 base subsidy (2026), that's approx. €279 (5 years, +€40) or approx. €299 (10 years, +€60). Across a full set of dental work, this can save several hundred euros.

A single dental implant costs between €2,300 and €4,000 including the abutment and crown. A standard titanium implant is approx. €2,300, a premium titanium implant approx. €3,100, and a ceramic implant approx. €4,000. Additional costs may include bone grafting (€500–1,500) or sinus lift (€1,000–2,500). Statutory insurance only covers the finding-based fixed subsidy (approx. €239 for the crown, 2026).

Dental supplement insurance can be worthwhile if you prefer premium dental work. Good plans reimburse 70–90% of costs and charge €15–50 per month depending on age. Important: most policies have waiting periods of 8 months and benefit limits in the first years. Already started or planned treatments are usually excluded. Best to sign up before problems arise.

The Heil- und Kostenplan (HKP) is a binding cost estimate that your dentist creates before any dental prosthetic treatment. It lists the diagnosis, planned therapy, estimated costs, and insurance subsidy. The HKP must be approved by your insurance before treatment begins. You have the right to get a second opinion HKP from another dentist.

The hardship rule (Härtefallregelung) doubles the fixed subsidy for dental prosthetics (capped at actual costs). It applies to people with low income: in 2026 the limit is €1,582 gross/month for singles (40% of the reference value), €2,175.25 with one dependant, plus €395.50 for each further dependant. Recipients of Grundsicherungsgeld (formerly Bürgergeld), social welfare, BAföG, or war victim support automatically qualify. With the hardship rule, insurance covers 100% of standard care costs.

Yes, most dentists offer payment plans, often through external financing partners. Typical terms: 6–24 monthly installments, often interest-free for short terms. Some dentists also offer internal payment plans at no extra cost. Ask about payment options before starting treatment and get the terms in writing.

Yes, dental costs can be claimed as extraordinary expenses on your tax return. However, there is a reasonable deductible amount of 1–7% of total income depending on income, marital status, and number of children. Only amounts exceeding this threshold provide a tax benefit. Collect all invoices and payment receipts for your tax return.