Up to 90% of the bill
For treatment and prosthetics, the insurance reimburses up to 90% of the dentist's bill (taking into account what the public health fund pays).
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The public health fund pays less for teeth than you might think.
Statutory health insurance (ÖGK, SVS, BVAEB) only covers basic treatment with a contracted dentist. For bills from private dentists and for Wahlleistungen (optional extra services), the fund pays nothing or very little. Professional dental hygiene is almost never covered. For fixed prosthetics — crowns, bridges, implants — there is no reimbursement or only a minimal one, and with removable dentures you usually still pay a share yourself. Braces for children are covered only under certain conditions (depending on the severity of the misalignment, the type and material of the braces and the choice of orthodontist) — and often only in part.
So a single crown or implant can easily turn into a bill of several thousand euros. Dental insurance takes on most of these costs.
Health comes before everything.
Dental insurance — what you get with Wenexus.
Six reasons to think about your teeth ahead of time.
Hygiene up to 100%
Professional teeth cleaning and preventive care are paid at up to 100% within the annual limit.
No waiting period for adults
Cover starts the day after the contract is signed.
Crowns, bridges, implants
A separate module for dental prosthetics with an annual limit of up to 3,850 €.
Braces for children
Removable and fixed braces, aligners, and repairs.
No private health insurance needed
Dental insurance is taken out on its own — you don't have to buy Sonderklasse or any other package.
Dental insurance: three options. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Dental treatment (Zahnerhalt)
from24€/month
- Included: Fillings and Inlays
- Included: Root canal and periodontal treatment
- Included: Night guards for teeth grinding (Knirscherschienen)
- Included: Professional hygiene up to 100%, up to 265 €/year
- Included: Up to 90% of the bill
- Included: No waiting period for adults
Treatment + prosthetics
Recommendedfrom52€/month
- Included: Everything in “Dental treatment”
- Included: Crowns and partial crowns (Onlays)
- Included: Bridges and dentures
- Included: Implants
- Included: Up to 90% of the bill, hygiene up to 100%
- Included: After an accident, up to 3,850 €/year from the very first year
For children (under 18)
approx.15€/month
- Included: Fillings, treatment, preventive care
- Included: Hygiene up to 100%, up to 105 €/year
- Included: Removable braces and aligners up to 640 € per case
- Included: Fixed braces up to 1,280 € per case
- Included: Brace repairs up to 105 €/year
The exact premium depends on your age when the contract starts. Examples: an adult client as calculated — 24.23 €/month and 28.47 €/month (52.70 €/month in total); a child — 15.30 €/month. All amounts include 1% insurance tax. The premium may be indexed annually (e.g. for inflation) — you are notified in advance.
Limits grow with your contract.
So that the insurance isn't taken out “for one specific bill”, the annual limits are lower in the first years and rise step by step. From the fifth year, the full limit applies. After an accident, the full limit is available straight away, from the first year.
| Contract year | Dental treatment (per year) | Dental prosthetics (per year) |
|---|---|---|
| Year 1 | up to 320 € | up to 640 € |
| Year 2 | up to 640 € | up to 1,280 € |
| Year 3 | up to 960 € | up to 1,930 € |
| Year 4 | up to 1,280 € | up to 2,570 € |
| From year 5 | up to 1,920 € | up to 3,850 € |
| After an accident | up to 1,920 € from year 1 | up to 3,850 € from year 1 |
In addition (on top of the treatment limits)
- Professional hygiene and preventive care: adults up to 265 €/year, children up to 105 €/year (up to 100% of the bill).
- Braces for children: removable / aligners up to 640 € per case, fixed up to 1,280 € per case, repairs up to 105 €/year.
Transparent: what you get back.
The insurance pays the difference up to 90% of the total bill — taking into account what the public health fund has already paid.
The fund pays nothing
Dentist's bill: 1,000 €
The fund pays: 0 €
The insurance reimburses 900 €
Your share: 100 €
The fund pays 100 €
Dentist's bill: 1,000 €
The fund pays: 100 €
The insurance reimburses 800 €
You receive 900 € in total, your share: 100 €
The maximum is 90% of the bill including the fund's share (100% for hygiene), within the annual limit.
When your cover starts.
Adults
No waiting period — cover from the day after the contract is signed.
Children, braces (Kieferregulierung)
8-month waiting period; paid only when medically necessary.
After an accident
No waiting period.
Adults, braces
Only if needed as a result of an accident.
What to know before you sign.
- Treatment that was already medically necessary, recommended by a dentist or started when the insurance began.
- Teeth already missing when the insurance begins (existing gaps) — a denture or implant for a tooth that is already missing is not paid for.
- Cosmetic procedures without medical necessity (e.g. whitening).
- Tooth extractions — except wisdom teeth, baby teeth and extractions directly related to insured prosthetics; replacement of wisdom teeth.
- Anaesthesia beyond local anaesthesia, and alternative forms of anaesthesia.
- Braces for adults unless related to an accident; for children, braces in the first 8 months (except after an accident).
- Treatment resulting from alcohol, medication or drug abuse.
- Accidents before the insurance began, even if the consequences are discovered later.
- Accidents during professional or contact sports (e.g. boxing, karate, ice hockey, American football), official sports competitions, and during professional acrobatics, stunts, work with pyrotechnics or predatory animals.
Dental insurance is protection for the future.It's best to take it out while your teeth are healthy: then the insurance covers whatever you need later.
Not just one policy, but the best option for you.
We are a licensed insurance broker (GISA) and work with 15+ insurers. There are different models of dental insurance on the market — we choose the one that suits you:
Stand-alone dental insurance with no waiting period
Up to 90% of the bill, hygiene up to 100%, no waiting period for adults; limits grow over the years.
Stand-alone insurance with a fixed percentage
With a number of insurers, 60% (up to 3,000 €/year) or 80% (up to 4,000 €/year), with a waiting period of around 6 months.
Dental cover as a module of private health insurance
Only together with Sonderklasse, waiting period 3–8 months. Worthwhile if you are planning private health insurance anyway.
We compare price, percentages, limits and waiting periods — and explain the differences in your language.
Four steps. In person. In your language.
Needs analysis
Which teeth need attention, what you are planning (implants, braces for your child), your budget.
Market comparison
We select 2–3 options with prices, limits and conditions.
Signing
We arrange the contract; you receive the application with the final declaration and the policy conditions.
Claims
We help you submit the dentist's bill and keep track of the payout.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
How it works in practice.
Illustrative calculations, not client reviews. The actual reimbursement depends on the bill, the contract year and the annual limit.
Professional teeth cleaning
Bill: 180 €. Hygiene is reimbursed at up to 100% within 265 €/year, so you get the full amount back.
180 € back
An implant in year 5 of the contract
Bill: 2,400 €. The insurance reimburses 90% within the annual prosthetics limit of 3,850 €.
Up to 2,160 € reimbursed
How the money reaches you
After treatment you submit the dentist's bill online — yourself or through us. The reimbursement is paid into your bank account.
Up to 90% straight to your bank account
Dental insurance — answers in a language you understand.
No. Dental insurance is taken out separately, without Sonderklasse or other packages.
Adults from the day after the contract is signed, with no waiting period. For children's braces — after 8 months. Bear in mind that lower annual limits apply in the first years (see the table).
No. Treatment that was already necessary, recommended or started when the insurance began is not covered. That's why it pays to take out the insurance in advance.
No, if the teeth were already missing when the contract began. The insurance pays for dental prosthetics for teeth lost after the insurance starts — within the annual limits.
Up to 900 €: the insurance pays the difference up to 90% of the bill, taking the fund's payment into account. Hygiene up to 100%.
Yes. The insurance reimburses the dentist's bill — from both a contracted dentist (Kassenzahnarzt) and a private one (Wahlzahnarzt) — within the percentages and limits.
Approx. 15 €/month. It covers treatment, preventive care (up to 105 €/year) and braces: removable up to 640 €, fixed up to 1,280 € per case, repairs up to 105 €/year. A waiting period of 8 months applies to braces.
It depends on each person's age. Example: two adults with treatment and prosthetics (around 52.70 €/month each) and a child (around 15.30 €/month). We will calculate the exact amount within 24 hours.
The premium may be indexed annually (e.g. for inflation). The insurer notifies you in advance; you can object — the premium then stays the same, but the cover is reduced accordingly.
You pay the dentist's bill, send it to the insurer (or to us — we'll help), and the insurance transfers the reimbursement. If the fund paid part of it, attach the fund's confirmation.
Local anaesthesia — yes. General anaesthesia and alternative forms of anaesthesia — no. Tooth extractions are not covered, except wisdom teeth, baby teeth and extractions related to insured prosthetics.
The best time to take care of your teeth — is before they hurt.
We look at what you and your family actually need — hygiene, implants, braces for your child — and compare the market. In your language.
Free consultation · No obligation
The information on this page is general in nature and does not constitute an offer to conclude a contract. The scope of cover, exclusions and limits are set out in the policy conditions (Versicherungsbedingungen) of the respective insurer; before signing you receive the application with the final declaration, the annexes and the policy conditions — please read them carefully. Premiums are indicative, including 1% insurance tax, as of 10/2026; the exact premium depends on your age when the contract starts. Wenexus Consulting GmbH — insurance broker (Versicherungsmakler, GISA 39387608), Fleischmarkt 14/5a, 1010 Wien.