You can pay for dental implants at our clinic in several ways: by treatment phase, in up to 24 interest-free instalments through Leanpay, with a consumer loan from your bank, or partly through supplementary dental insurance. Slovenia's public insurer ZZZS does not cover implants, but under certain conditions part of the cost can be claimed as tax relief. Below I walk through each option with concrete figures so you can decide with a calculator in hand.
How much money you actually need
Before we talk about instalments, you need to know what you are financing. These are the prices from our 2026 price list:
| Service | Price |
|---|---|
| First visit with panoramic X-ray | €50 |
| First visit with 3D CBCT | €80 |
| One dental implant (Sweden & Martina, titanium) | from €650 |
| Crown on an implant | €250–390 |
| All-on-4 (fixed bridge on 4 implants) | €5,500 per jaw |
| All-on-6 | €6,500 per jaw |
| Sinus lift / bone graft | €250–800 |
So the first visit is not free; only the remote cost estimate for patients from abroad is free. The treatment plan you receive after the examination does not commit you to anything. A more detailed breakdown of prices is in the article How much do dental implants cost in Ptuj.
Six ways to pay for dental implants
1. Paying by phase
Implant treatment is split in two by its very nature. First I place the implant (from €650), then we wait 3–6 months for it to fuse with the bone, and only then do we make the crown (€250–390). There are therefore several months between the two invoices without any special arrangement. For many people that is enough: two amounts, each under €700, half a year apart.
With All-on-4 the timing is different, because you receive the temporary bridge within 24 hours of surgery; we agree the payment schedule at the consultation.
2. Leanpay: interest-free instalments up to 24 months
For larger amounts we offer instalment payment through Leanpay directly at the clinic. The instalments are interest-free, available for up to 24 months, and the total you pay equals the price on our list. You apply online, you need an identity document and a Slovenian bank account, and the decision usually arrives within minutes. Leanpay confirms the exact terms and the maximum amount when you submit the application.
What this means in practice:
- one implant with a crown, about €1,000 in total → roughly €42 a month over 24 months
- All-on-4 for one jaw, €5,500 → roughly €229 a month over 24 months
- All-on-6, €6,500 → roughly €271 a month
You can also choose a shorter term; over 12 months the All-on-4 instalment is about €458.
3. A consumer loan from your bank
If you would like to spread the payments over more than two years, a bank loan remains. It is not interest-free. Effective annual rates for consumer loans in Slovenia currently range roughly between 5 and 9 %, depending on the bank, the term and your credit standing; check with your bank. For a sense of scale: €5,500 over five years at 7 % means about €109 a month and roughly €1,000 in interest overall. A loan makes sense when the 24-month Leanpay instalment is too high for your budget and you would rather pay interest in exchange for a lower monthly amount.
4. Supplementary dental insurance
Vzajemna, Triglav and Generali offer supplementary dental insurance. From experience with patients I point out three things:
- Waiting period. For prosthetics and implants there is usually a 6–12 month wait from signing before the insurer pays anything at all. A policy taken out a week before surgery will not help you.
- Annual cap. Cover is limited by a yearly amount that is often lower than the price of a single implant with a crown.
- Partial cover. Implants are often covered only in part or only up to a set amount; some packages cover the crown but not the implant.
I deliberately give no figures, because the terms change between packages and from year to year. Before you sign, read the general conditions and ask explicitly about implants.
5. ZZZS
Short answer: compulsory health insurance does not cover dental implants, apart from exceptional indications that almost never arise in everyday practice. You do not need a referral, because we are a private, self-pay clinic. More in the article Does ZZZS cover dental implants.
6. Tax relief
In Slovenia certain expenses can be claimed under the special personal income tax relief, and medical treatment costs can fall within it under certain conditions. I give no percentage or amount, because the conditions are not the same for everyone and they change. What you can do yourself:
- keep every invoice; we issue one for each phase separately, with a description of the service
- check the current rules on the FURS tax authority website or with your accountant
- ask when and how the relief is claimed, so you do not miss the deadline
If you are a taxpayer in another country, that country's rules apply. If the relief applies in your case, the final cost drops noticeably; if not, at least you were not counting on it.
Which option suits whom
| Your situation | Sensible choice |
|---|---|
| One tooth, around €1,000 | Pay by phase or Leanpay over 12 months |
| Several teeth or All-on-4, regular income | Leanpay over 24 months, interest-free |
| You need more than 24 months | Bank loan, budget for interest |
| Treatment planned more than a year away | Consider supplementary insurance, check the waiting period |
| You live abroad | Pay by phase, card or bank transfer; a loan from your own bank |
Total cost: cash versus instalments
The table below shows three typical cases from our practice. The amounts include implants and prosthetics at 2026 prices; they do not include the first visit (€50–80) or a possible bone graft (€250–800), which a minority of patients need.
| Case | What it includes | Total (cash) | Leanpay 24 months |
|---|---|---|---|
| One tooth | 1 implant + 1 crown | €900–1,040 | €38–43 / month |
| Three teeth | 2 implants + 3-unit bridge | €2,050–2,470 | €85–103 / month |
| Full jaw | All-on-4 (4 implants + fixed bridge) | €5,500 | €229 / month |
Because the instalments are interest-free, the total is the same in both columns. The only difference is when the money leaves your account. Why All-on-4 costs less per tooth than three separate implants is explained in the article What is All-on-4 and All-on-6.
Beware of “implant from €499” adverts
A low headline price is not a scam in itself, but it is often just one piece of the puzzle. When a patient brings such an offer, we check together what the amount does not include:
- the crown (€250–390 with us), without which an implant is not a tooth
- the abutment, which connects implant and crown; some clinics charge for it separately
- imaging (panoramic X-ray or 3D CBCT), without which no responsible surgeon plans a procedure
- bone graft or sinus lift, if there is not enough bone
- a temporary crown or denture for the healing period
- check-ups and suture removal
- the warranty: who gives it, for what, and for how long
Added up, the costs at honest providers end up comparable; the difference is whether you learn them upfront or along the way.
What to ask any clinic before you sign
- What is the total price for implant, abutment and crown, including all check-ups?
- Which implant brand do you use, and will I receive an implant passport with the markings?
- What does the warranty cover, and what happens if the implant does not integrate?
- Is imaging included, and which kind?
- What happens to the price if a bone graft turns out to be necessary during surgery?
- How is instalment payment arranged, and is it really interest-free?
- Who will treat me if a complication arises in two years?
With us, Sweden & Martina implants carry the manufacturer's lifetime warranty on the implant body; if an implant fails to integrate within six months, I place a new one free of charge. Details are in the article Warranty on dental implants.
Frequently asked questions
Does Leanpay run a credit check?
Yes. It is a quick online check that happens when you submit the application and takes a few minutes. It is not comparable to a bank process, but it is a condition of approval.
Can pensioners pay in instalments?
Yes. What matters is a regular monthly income, so a pension counts, not employment. A large share of our All-on-4 patients are pensioners, and they are the ones who choose instalments most often.
What happens if I stop treatment halfway?
You pay only for what has already been done. If the implant is placed but the crown not yet made, the implant stays in the bone and we can make the crown later, when you are ready; a closed implant waits several months without harm. I recommend arranging instalments for each phase separately; that way you never repay a service you have not yet received.
Can patients from abroad pay in instalments?
Leanpay requires a Slovenian bank account, so foreign patients generally cannot use this option. You can, however, pay by phase, by card or by bank transfer, and arrange financing with your bank at home. For patients from Austria, Germany and Croatia we first prepare a free remote cost estimate based on your X-ray.
Is the price higher on instalments than in cash?
No. The list price is the same regardless of how you pay, and with Leanpay there is no interest.
How soon can I start?
We have no waiting lists; a first appointment is usually available within 7–14 days. If you opt for instalments, we can complete the Leanpay application on the day of the consultation.
Book a consultation
At the first visit (€50 with a panoramic X-ray, €80 with 3D CBCT) you receive a treatment plan with exact prices, and together we look at which payment option makes sense for you. The plan does not commit you to anything; book by phone or through the contact form.
- Phone: +386 51 452 627
- E-mail: info@koderman.eu
- Address: Hreničeva ulica 3, 2250 Ptuj
- Opening hours: Mon 9–16, Tue–Fri 9–15
Author: Dr Antonio Koderman, dr. dent. med. & msc of implantology — implantology specialist, Koderman Implant Centre, Ptuj.
