Top-rated dental cover
Extra cover for the whole family – dental and accident insurance from DFV
With a child, priorities change: what happens if braces are expensive or if there is an accident during leisure time? DFV Deutsche Familienversicherung offers supplementary insurance for this, which you can calculate and take out online. The DFV website is in German.
To DFV dental insurance Continue to deutsche-familienversicherung.de (opens in a new tab)
Where statutory cover has gaps
Teeth: For children, statutory health insurance only pays for orthodontic treatment in cases of pronounced misalignment (treatment need grades KIG 3 to 5), and even then only standard care. For adults’ dental prostheses, it usually pays only a fixed subsidy – the rest is your own share.
Accidents: Statutory accident insurance only covers children at day care, school and on the way there. Most accidents, however, happen during leisure time – at home, at the playground or on holiday.
DFV-ZahnSchutz: dental insurance
DFV dental insurance in four plans – with reimbursement for dental treatment, prostheses, implants and prophylaxis
Orthodontics is included in all plans – according to DFV also for milder misalignments (KIG 1 to 5)
According to DFV, rated test winner by Stiftung Warentest (issue 09/2026)
Background on costs and types: guide to braces for children (German)
DFV-UnfallSchutz: accident insurance
DFV accident insurance – worldwide and around the clock, including leisure time
Rooming-in: if your child has to go to hospital after an accident, you can stay in the same room
Benefits for disability, immediate payment for serious injuries, hospital and recovery allowance; accident pension optional
Further DFV insurance
DFV-KombiSchutz: accident, household contents, liability and traffic legal protection in one package
Supplementary hospital insurance: single or double room and free choice of doctor in hospital
Travel health insurance for family holidays
Frequently asked questions
How much does the insurance cost?
The premium depends on the plan and the age of the insured person. You can calculate it without obligation on the DFV website.
When is dental insurance for children worthwhile?
Whether and when dental insurance is worthwhile for your child depends on your situation. Many parents are mainly thinking of possible braces. Check waiting periods and benefit limits directly in DFV’s documents.
Does Einfach Elterngeld advise me on insurance?
No. Einfach Elterngeld only presents the offer here and does not broker insurance. Information, advice and contracts are provided exclusively by DFV.
Calculate your premium now
Calculate your premium directly with DFV – online and without obligation.