die Bayerische Reviews 

I have been a customer of Die Bayerische since moving to Germany more than two years ago. I deliberately chose ZAHN Prestige, their highest-tier dental insurance, because I believed it would provide real financial protection if I ever needed expensive dental treatment.

For more than two years, I paid my premiums without fail.

Routine professional teeth cleanings were reimbursed without any issues. However, covering a routine cleaning is not why I chose the highest-tier dental insurance. I bought it for the day I might need treatment costing several thousand euros. Unfortunately, that was exactly the moment my experience changed completely.

When I submitted my claim for a bridge, the process became one of the most frustrating customer experiences I have had in Germany.

Throughout the claims process, I repeatedly provided every document requested from me. I obtained treatment records from my German dentist, records from my previous dentist in North Macedonia, X-rays, treatment histories, health insurance documentation, and every additional document requested. Each time I believed the documentation was complete, I was asked to provide more information. From my perspective, the process became unnecessarily long, stressful and exhausting.

My German dentist even provided a written statement confirming that my first appointment was for acute pain treatment only and that no bridge treatment had been planned or discussed at that time. According to my dentist, the bridge became necessary much later, after I was already insured. Nevertheless, my claim was rejected.

As the matter became increasingly complex, I instructed a lawyer to represent me. My lawyer formally challenged Die Bayerische's interpretation of the insurance conditions and submitted detailed legal arguments together with supporting documentation. Despite this, Die Bayerische reviewed the case again and informed my lawyer that they were maintaining their original decision because they considered that no new information had been provided.

What made the experience even more disappointing was the customer service.

In my experience, several interactions with customer support were dismissive and unhelpful. As an international customer, I politely asked on several occasions whether I could speak with an English-speaking representative because the discussion involved complex insurance conditions, medical documentation and legal issues. I was told that I had to communicate in German.

I completely understand that I live in Germany, and I am actively learning German. However, Germany is home to many international residents and expats. For a company selling complex insurance products, I believe it is reasonable to expect at least some support in English when customers are dealing with important contractual and medical matters.

What disappointed me most was not only the outcome, but the entire process. Instead of feeling protected by my insurance, I felt that I had to spend months collecting documents from two countries, repeatedly responding to requests, obtaining additional statements from my dentist, and ultimately hiring a lawyer simply to have my position properly represented.

Insurance demonstrates its true value when customers need it most. Based on my personal experience, I did not feel supported when facing an expensive treatment, despite paying for Die Bayerische's highest-tier dental insurance for more than two years, which increased after 2 years from 37 Euros to 44 Euros. Make the sense make sense!

The legal dispute is still ongoing, and I will update this review once the matter has been finally resolved.

Based on my personal experience, I cannot recommend Die Bayerische. Stay away from them!

I have (soon only had) dental insurance at this company, have been a customer since 2020 with their highest and most expensive plan "Zahn Prestige". I haven't made any claims until 2026 and yet the insurance doubled even tripled over the years but I thought, hey it's their most comprehensive plan which covers 100 % of dental care.

Well, they're a fraud, just like every other insurance company. They weasle out of every claim with ridiculous jargon and getting anything paid out is a miracle. They refused gum treatment costs and even cut the paid amount on regular fillings citing some codes us mortals don't understand. Utterly detestable. You are much better off putting their yearly fees in a dental savings account.

I was forced to stay for another year; they said it was an automatic contract extension period. Also, after that, my monthly payment was raised to 19.01 euros, initially 11 euros. I don't recommend using them.

I am fully satisfied with the services from die Bayerische. I have glass insurance and got fast and positive support.
Will always recommend +1

Very quick response after declaring my bike stolen. Within 2 days the payment is on its way to my account. Extremely quick and easy. Thank you Die Bayerische!

Good and fast service. Appreciate the support. 🙏🏽
A+++

i have taken supplementary premium dental insurance from broker which recommends this company in 2022 , when it comes to my bills claims on my root canal and implants. I have an horrible experience with their customer support , they never respond on time , process is very very slows and mindless customer support . first time when i send the detailed bills , after receiving again they asked me that they need detailed bill and they told they cant see , same document if resend by email without any change they accepted for this 5 days were just passed. just imagine how horrible their support ist

I never recommend this supplementary dental insurane , there are so many customer friendly insurance companies

Super friendly. I am very happy and would recommend to anyone!

I really appreciate the performance of the company. I strongly recommend it to everyone. You really deserve a 5 star...

I am a customer for the dental insurance since many years, always a great service.

cancelling a property insurance is not so easy, make sure to cancel it 3 MONTHS before expiring date otherwise you have to pay for one more year !!! my suggest is to have a written confirmation. If on the phone you have a customer service representative which speaks only German ask them to transfer your call to an English speaking person.

I have Bayerische insurance for 2 years now and in the first year I didn’t have any issues, but also none of the bigger issues or treatments. Then my dentist suggested braces and this is when my nightmare began. Insurance is stringing me along for almost a year now claiming that they need additional information from my current and former dentists, and despite my dentists sending all the information they still claim that they don’t have documentation and that they can’t ask dentist again or send me documents by email. Customer service is unhelpful, never reply emails, extremely rude on the phone, one big disaster. Newest thing that I found out (after calling for 3rd time, of course nobody ever responded to my emails) is that they will not pay me any bill (unrelated to this issue) until they decide if I qualify for braces or not. Horrible experience, can’t imagine how it would be for someone with bigger health problems. Save your money and nerves and go somewhere else.

I have a supplementary dental insurance with them. Unfortunately for me, I had to do quite a few dental procedures (implant, changes of crowns, changes of fillings) and die Bayerische paid without issue every time - they're loosing quite a bit of money on me so far. I also called them once to clarify something and got them on the line quickly, and the person spoke English and was very polite. Highly recommended.

Typical example of insurance malpractice. Will go to any effort not to pay cost that are clearly stated as covered. When requesting a first basic refund after being a customer for 2 years without making any claim, my girlfrend got a decline, as a dentist appointment was existent before the insurance policy started. Like, who in the world doesnt have a prior dentist appointment, one that had nothing to do with the actual claim. Extremely disapointing.

Quick transfer of money. No much process or documentation.

My work colleague with another dental insurance provider: emails invoice, $ in his bank account 2 days later.

My Bayerische experience: paid €32,60 for 11 months before sending them my first invoice from the dentist. They refused to pay until I send them a ton of paperwork and questionnaires, including:

1) Required my consent for another company with dubious name 'Service & Controlling GmbH' to look into my entire medical history and contact doctors and medical assistants directly
2) Detailed questionnaire for my Dentist to fill out, going back several years and asking all kinds of irrelevant questions
3) List all dentists visited in the last 4 years, including their addresses
etc.

In the end they canceled my policy because there was minor cavity work I forgot to mention when signing up. So die Bayerische got exaclty what they were looking for: they kept all the money I paid in over a year and did not pay a penny for the dental work performed. There are much better insurance providers out there, as my colleague can attest to. Stay away from these guys!