# Dental Insurance in Austria (2026) > Private dental insurance in Austria (Zahnzusatzversicherung) costs from €15/month. What OeGK covers, add-on options, and top providers like UNIQA. Updated: June 29 2026 · By Jules de Bruin · URL: https://www.how-to-austria.com/insurance/dental-insurance Austrian public health insurance (**OeGK**) covers basic dental check-ups and fillings but **NOT cosmetics, orthodontics, or implants**. Private dental insurance (Zahnzusatzversicherung) from **Uniqa, Generali, or Wiener Staedtische** costs **€15-50/month** and covers crowns, implants, and orthodontics. If you need anything beyond basic fillings, private dental coverage is strongly recommended in Austria. Rank byOur overall pick below is Uniqa, from From €18/month. ### Uniqa Zahnzusatzversicherung 4.4Best Overall. Largest Austrian dental insurer with the broadest coverage on implants, crowns, and orthodontics. [Get a Uniqa Dental Quote](https://www.uniqa.at/zahn)Monthly premiumFrom €18/monthCoverageImplants, crowns, orthoWaiting periodBest6 months (major)ReimbursementBestUp to 80%More detailsEnglish supportYesBenefitsGraduated in the first 4 yearsPrices as of August 2026, verify on the provider site. Pros - Up to **80%** reimbursement on implants and crowns - English-language customer support - Online claims submission Cons - 6-month waiting period for major treatments - Graduated benefits in first 4 years Best for People who want comprehensive dental coverage with English-language support and flexible plan tiers ### Generali Zahnzusatzversicherung 4.2Best for Implants. Best digital claim processing and flexible tier structure for younger residents. [Compare Generali Plans](https://www.generali.at/privatkunden/gesundheit/krankenversicherung/zahnvorsorge/)Monthly premiumFrom €25/monthCoverageImplants, ortho for adults and childrenWaiting period12 months (implants)ReimbursementBestUp to €5,000 per yearMore detailsHealth checkNone requiredPrices as of August 2026, verify on the provider site. Pros - High annual limits (up to **€5,000**) - Covers orthodontics for adults and children - No dental health check required Cons - Higher premiums (from **€25**/month) - 12-month waiting period for implants Best for People who anticipate needing implants or extensive dental work and want high reimbursement limits ### Wiener Staedtische Zahnzusatzversicherung 4.0Strong family dental cover and competitive premiums from a Vienna-based household name. [Explore Wiener Staedtische Options](https://www.wienerstaedtische.at/versicherungen/privatkunden/gesund-fit/zahnversicherung.html)Monthly premiumBestFrom €15/monthCoverageCrowns, bridges, basic implantsWaiting period6 to 12 months typicalReimbursement50-60%More detailsServiceExtensive branch networkAnnual limitsLower in the basic tierPrices as of August 2026, verify on the provider site. Pros - Lowest starting price (from **€15**/month) - Extensive branch network for in-person advice - Bundle discounts with other policies Cons - Lower reimbursement rates (50-**60%**) - Lower annual limits in basic tier Best for Budget-conscious people who want basic dental coverage at a low monthly premium These providers offer the most popular Zahnzusatzversicherung plans in Austria: ## What Does OeGK Cover for Dental Care? The Austrian public health insurance fund ([OeGK](https://www.gesundheitskasse.at)) covers essential dental services for all insured residents. This includes annual check-ups, amalgam fillings, tooth extractions, and basic root canal treatments. You can visit any Kassenarzt (contracted dentist) and pay nothing beyond your standard insurance contributions. For more on how public insurance works, see our [health insurance guide](/insurance/health-insurance). ### Covered by OeGK - ✓ Annual dental check-ups - ✓ Amalgam fillings - ✓ Tooth extractions - ✓ Basic root canal treatments - ✓ Dental X-rays - ✓ Removable dentures (partial coverage) ### NOT Covered by OeGK - • Dental implants - • Ceramic or composite fillings - • Orthodontics for adults - • Teeth whitening and cosmetic work - • Crowns and bridges (only partial subsidy) - • Professional teeth cleaning ### Save on Fillings If you want tooth-colored (composite) fillings instead of amalgam, you can request them at a Kassenarzt. The OeGK covers the amalgam portion and you pay the difference out of pocket, typically €50 to €150 per filling. Illustration of a shield, an umbrella, and a health cross, for health, home, and liability insurance cover in Austria. ## What Does Private Dental Insurance Cover? Private dental insurance (Zahnzusatzversicherung) supplements your public coverage. It reimburses costs for treatments that OeGK does not cover or only partially covers. Coverage typically includes implants, crowns, bridges, orthodontics, professional cleanings, and high-quality filling materials. Most plans reimburse 50% to 80% of treatment costs, with annual limits that increase over the first few years of the policy. Many plans include a Staffelung (graduated benefits), meaning your maximum annual reimbursement increases each year. In the first year, you might be limited to €500, rising to €2,000 or more by year four. This prevents people from signing up only when they need expensive treatment. ### Waiting Periods Apply Most dental insurance plans have a 6 to 12 month waiting period for major treatments. Sign up early, ideally when you first arrive in Austria, to ensure coverage is active when you need it. Illustration of an umbrella, a car, and a house, for what insurance protects in Austria. ## How Much Does Dental Insurance Cost in Austria? | Coverage Tier | Monthly Cost | What It Covers | | --- | --- | --- | | Basic | €15-20/month | Professional cleanings, composite fillings, basic crowns | | Standard | €25-35/month | Above plus implants, bridges, orthodontics | | Premium | €40-50/month | Full coverage with higher reimbursement rates (up to 80%) and higher annual limits | Private dental insurance premiums depend on your age at enrollment, the coverage tier, and the provider. Younger enrollees pay significantly less. Here is a typical price range as of 2026: ### Age Matters Premiums are lowest when you enroll in your 20s or 30s. Enrolling after age 50 can double the monthly cost. Some providers also require a dental health check before acceptance. Illustration of a shield, an umbrella, and a health cross, for health, home, and liability insurance cover in Austria. ## Related Guides [### Health Insurance Public and private health insurance options in Austria.](/insurance/health-insurance)[### Liability Insurance Personal liability coverage and Haushaltsversicherung for residents.](/insurance/liability-insurance)[### Cost of Living Monthly expenses and budgeting tips in Austria.](/living/cost-of-living)> On this page Getting Started - [Top providersStart hereTop picks ranked](#providers) Coverage - [OeGK coveragePublic dental basics](#oegk-coverage) - [Private coverageAdd-on options](#private-coverage) Costs - [CostPremium ranges](#costs) Help - [Frequently asked questionsQuick answers](#faq) - [Related guidesWhere to read next](#related-guides) Ask the author ## Have a question this guide did not answer? Send it to Jules. Questions shape what gets written next, and the most common ones become new sections on this page. Goes straight to Jules by email. No newsletter, no spam. Replies are best effort within a few days. ## Frequently Asked Questions ### Does Austrian public health insurance cover dental care? Yes, the OeGK covers basic dental check-ups, amalgam fillings, extractions, and some root canal treatments. Cosmetic dentistry, implants, adult orthodontics, and ceramic fillings are not covered or only partially subsidized. ### How much does private dental insurance cost in Austria? Private dental insurance costs €15 to €50 per month depending on coverage level, your age at enrollment, and the provider. Basic plans covering cleanings and fillings start at €15/month, while premium plans with implant coverage cost €40-50/month. ### Is there a waiting period for dental insurance in Austria? Yes, most plans have a 6 to 12 month waiting period for major treatments like crowns, bridges, and implants. Basic treatments like check-ups and cleanings are typically covered immediately. Sign up early to avoid gaps in coverage. --- Source: https://www.how-to-austria.com/insurance/dental-insurance Last updated: Updated: June 29 2026 Format: LLM-readable Markdown twin (.md) of the canonical HTML page.