What to do in the event of toothache?

You have a toothache? Please consider the following three rules of conduct for the event of illness:

  1. Go to the dentist of your choice.
  2. Please provide the dentist with our Ärzte-Info-Ticket (medical info card) prior to the treatment.
  3. Please tell your doctor that some treatments require approval and that you need a medical costs projection for these treatments.

1. Consulting the dentist of your choice

You are free to choose your dentist. We recommend dentists in private practice who are authorized for all statutory health insurance funds. You can also go to a private dental clinic. However, the fees charged by these clinics often exceed the scope of insurance coverage.

2. Medical info card "Ärzte-Info-Ticket"

You will receive a medical info card (Ärzte-Info-Ticket) together with your insurance certificate. This card shall help you in case of illness and necessary treatment. Please provide the physician with this vital information prior to any treatment. The "Ärzte-Info-Ticket" contains detailed information on invoicing modalities and your policy's scope of benefits.

Here you can print out your "Ärzte-Info-Ticket":

Ärzte-Info-Ticket (medical info card) (German).

3. Medical costs projection

Not all dental treatments are covered. In some cases, a medical costs projection is a necessary precondition for a 100% reimbursement of the reimbursable treatment expenses. We differentiate between emergency treatments and pre-existing medical conditions.

Emergency treatments are covered

In case of toothache, you usually receive immediate dental treatment. Such treatment aims to reduce pain and to treat the respective tooth. As with any other travel health insurance, the policy covers dental treatment for the relief of new and acute pain (emergency treatment).

No pre-existing medical conditions will be covered

The aim of this insurance is to protect you against unforeseen events and against pain. No treatments of undersupplied and root-fractured teeth are covered, since they are regarded as pre-existing medical conditions. Extensive dental restorations which are often medically necessary and reasonable are not covered by this insurance policy.

We insist on a medical costs projection prior to the planned treatment in the following cases:

  • treatment of more than two teeth during the insurance period,
  • periodontal treatment,
  • treatments with an estimated cost range of more than €250.

Without our written approval of the medical costs projection, the reimbursement of the above named benefits is limited to 50% of the reimbursable costs.

Your dentist can send us the medical costs projection by fax prior to starting the treatment. It will be processed in one working day. In case of an emergency, please label your medical costs projection as “urgent”. We will then check these documents within two hours.

You are not sure whether the treatment of an illness is covered?

If you are not sure whether the treatment of your illness is covered, you can call us prior to the treatment. We will inform you about the scope of your insurance and we will tell you what you should consider during treatment.

Contact us.

Do you require advice?
If you have any questions, please feel free to contact us:

Phone: +49 2247 9194-986


Mon-Fri: 8 am to 6 pm 

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