When submitting a claim for dental treatment, it's important that we receive the correct documents so we can process your claim quickly and accurately.
What do we mean by “itemized invoice”?
An itemized invoice is a detailed bill (Rechnung) from your dentist that includes:
A breakdown of all procedures performed
The fee number (GOZ or BEMA code) for each treatment, as defined in Gebührenordnung für Zahnärzte (GOZ), or fee schedule for dentists
The individual cost of each treatment item
The date of the treatment
The total cost
The contribution from your public health insurance provider (if applicable)
Please make sure to upload all pages of the invoice that you received from your dentist. Sometimes the breakdown appears on the second or third page – without it, we cannot process your claim.
What about cost plans?
A cost plan (Heil- und Kostenplan) is an estimate you may receive from your dentist before starting a procedure. In some cases, you will receive a treatment agreement (Vereinbarung einer Privatbehandlung) which can also be evaluated.
Once submitted, we will review the cost plan and inform whether benefits can be granted. This review usually takes 2–4 weeks, so we recommend uploading the documents as soon as you receive them.
Please note: You don’t need to submit a cost plan for standard dental work like cleanings or fillings. However, for more complex procedures — such as implants, crowns, or other restorative treatments — we strongly recommend submitting a cost plan in advance for pre-approval.
If you're submitting a cost plan/treatment agreement, we need:
A detailed breakdown of planned treatments
The fee number for each item (GOZ/BEMA)
The estimated cost of each item
The total estimated cost
The contribution from your public health insurance provider (if applicable)
For complex treatments (such as implants or crowns), cost plans often include additional pages for material and lab costs (Material- und Laborkosten). These might come from your dental practice or from a third-party dental lab.
Without this information, we may not be able to provide a complete assessment of the treatment costs. If you're looking for a more detailed evaluation of the cost estimate, make sure the material and lab cost breakdown is included.
Additionally, please ensure that all pages of the cost plan are uploaded. A cost summary page alone is not sufficient.
Why is this important?
Without this detailed information, we’re unable to verify the treatment and costs, which could lead to delays in processing or even a rejection of your claim. Submitting complete and clear documentation helps us support you faster and more thoroughly.