Dental Insurance in Austria (2026)
Updated: June 29 2026| Found helpful by 52 others
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.
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Sorting changes the order of the provider cards below.
Our overall pick below is Uniqa, from From €18/month.
Uniqa Zahnzusatzversicherung
Largest Austrian dental insurer with the broadest coverage on implants, crowns, and orthodontics.
- Monthly premium
- From €18/month
- Coverage
Coverage
What the policy pays for, and up to how much. Only meaningful read together with the reimbursement rate and the deductible.
- Implants, crowns, ortho
- Waiting periodBest
Waiting period
The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.
- 6 months (major)
- ReimbursementBest
Reimbursement
The share of an approved bill the insurer pays back, after the deductible. 100% returns the whole bill; 80% leaves a fifth with you.
- Up to 80%
More details
- English support
- Yes
- Benefits
- Graduated in the first 4 years
Prices 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
Best digital claim processing and flexible tier structure for younger residents.
- Monthly premium
- From €25/month
- Coverage
Coverage
What the policy pays for, and up to how much. Only meaningful read together with the reimbursement rate and the deductible.
- Implants, ortho for adults and children
- Waiting period
Waiting period
The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.
- 12 months (implants)
- ReimbursementBest
Reimbursement
The share of an approved bill the insurer pays back, after the deductible. 100% returns the whole bill; 80% leaves a fifth with you.
- Up to €5,000 per year
More details
- Health check
- None required
Prices 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
Strong family dental cover and competitive premiums from a Vienna-based household name.
- Monthly premiumBest
- From €15/month
- Coverage
Coverage
What the policy pays for, and up to how much. Only meaningful read together with the reimbursement rate and the deductible.
- Crowns, bridges, basic implants
- Waiting period
Waiting period
The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.
- 6 to 12 months typical
- Reimbursement
Reimbursement
The share of an approved bill the insurer pays back, after the deductible. 100% returns the whole bill; 80% leaves a fifth with you.
- 50-60%
More details
- Service
- Extensive branch network
- Annual limits
- Lower in the basic tier
Prices 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) 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.
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.
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.
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.
Dental Insurance in Austria: 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.