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Without additional dental insurance, it can quickly become very expensive for you

Without additional dental insurance in Switzerland, it can quickly become very expensive for you!

In many European countries, the statutory health insurance companies pay a large part of the simple dental treatment and also the corresponding preventive examinations. However, this does not apply to Switzerland.

Switzerland's basic insurance only pays for treatments for dental diseases that have arisen due to serious medical illnesses or unavoidable surgical interventions. 

That is why many Swiss have additional dental insurance that covers all other treatments, which can be very expensive.

Basic insurance in Switzerland does not subsidize braces, dental hygiene, dental fillings or dentures.

A timely conclusion of an outpatient dental supplementary insurance is definitely worthwhile in the country of the many cantons. For children even after their third birthday, as there is no medical certificate for inclusion in the supplementary insurance. 

If the child later needs a tooth correction, the insurance pays 50-80% of the costs incurred. The basic insurance does not pay for any necessary dental hygiene, repairs to the gums or fillings for carious teeth. 

In Switzerland there is even a list of exactly where, in what cases and for which diseases, the basic insurance for dental treatment costs is covered. Basically, this only applies to these 3 separate exceptions:- If treatment was necessary due to a serious, unavoidable disease of the chewing system.

- If the treatment is due to a serious general illness or its consequences.

- If treatment is needed to correct a serious general illness or its consequences.

Tip: Treatments as a result of accidents are always included in the basic insurance.

A dental insurance in Switzerland protects you from high financial and medical risks.

In Switzerland, you can have everything that has to do with prophylaxis, orthodontics, dentures and dental fillings with a dental supplement insurance.

Tooth position corrections and professional dentures can quickly cost up to CHF 10,000, and if you can't raise that much all at once, the debt trap often snaps shut.

Caries and periodontitis must be treated as soon as possible so that no tooth is lost and these treatments are not cheap in Switzerland either. Important check-ups and prophylaxis prevent dental diseases and are taken over in the appropriate dental supplement insurance. 

Timely precaution is also absolutely necessary for children to ensure healthy tooth maintenance. Teeth are indicators of health and underline the external appearance. If you want to feel good all around, an intact dental appliance is also part of it.

What are the individual costs of dental supplement insurance?

Dental supplementary insurance participates in dental treatments due to illness and accidents, such as the following examples: 

    • tooth extractions
    • preserving dental treatments
    • prophylaxis
    • Dental hygiene
    • Röntendiagnostik
    • Correction of misaligned teeth
    • Dentures, including crowns, bridges, pin teeth and dentures

How much is dental supplement insurance?

The monthly premiums for children are between CHF 10 and CHF 20. Adults pay around 30 to 40 francs per month. At some health insurance companies, policyholders have to take out dental insurance separately. This model may be more expensive than a package solution with other outpatient additional policies. 

Conclusion

The tariffs and benefits of dental supplementary insurance sometimes differ enormously from each other in Switzerland. Some insurance companies only offer to cover the costs of individual dental treatments, while others offer numerous tariffs for the different needs of their policyholders. 

Due to the high costs in the dental field, the premiums for dental insurance are also comparatively high.

To enable lower premiums, many insurance companies offer deductible tariffs or a franchise. Some providers also cover the cheaper costs for treatments in neighboring countries in Switzerland. 

Other special offers include free memberships for toddlers up to three years of age. Therefore, compare all offers carefully here and get professional advice before deciding on your optimal dental supplement insurance!

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That is what basic insurance and the appropriate supplementary insurance for glasses and contact lenses pay

That is what basic insurance and the appropriate supplementary insurance for glasses and contact lenses in Switzerland pay

The health insurance system in Switzerland makes clear distinctions between necessary health care and treatment due to illness and aesthetic and comfortable aids and operations to improve the quality of life. 

This also applies to the optimization of eyesight and additional payments for contact lenses and glasses. These benefits are often not covered by basic insurance and must be paid by yourself.

Basic insurance in Switzerland only covers the costs of treatments for and for the eyes in some medically related cases.

Basic insurance is only willing to pay an additional payment of CHF 180 per eye once a year if there are proven visual impairments due to previous illnesses such as clouding of the eye lens, diabetes, glaucoma and eye muscle disorders. 

For children who need glasses at an early age, the health insurance of the health insurers up to the age of 18 also covers additional payments for glasses. The patient generally has to pay all other costs himself. 

This can quickly lead to high financial burdens and if you are not sure whether you can pay a large amount all at once, you have the option of taking out additional insurance.

Supplementary insurance for visual aids is worthwhile in Switzerland depending on your individual financial situation.

For less than CHF 10 a month, you can take out additional insurance for glasses, contact lenses and other eye care in Switzerland. If you think about having your eyes lasered, for example, additional insurance can be worthwhile. 

The costs for this can often not be paid all at once and smaller monthly contributions for the additional insurance are easier to find. Supplementary insurance also only ever pays a fixed rate for visual aids. If your monthly premium payment is CHF 10, you will therefore pay an annual contribution of CHF 120. 

There is cheap glasses once a year from the supplementary insurance for CHF 150. This would have saved them almost CHF 30. Supplementary insurance sometimes also has a term stipulated in the contract or only pays for a more expensive pair of glasses every 3 years. 

Therefore, you should decide individually according to your needs whether this additional insurance is worthwhile for you or not. 

Please also note that all care products for glasses and contact lenses are not covered by the scope of the supplementary insurance. Benefits and premiums for supplementary insurance in Switzerland can also be very different.

Are supplementary insurance for visual aids worthwhile in individual cases or not?

The extent to which supplementary insurance for glasses and contact lenses is recommended in individual cases is difficult to answer in general. A decisive role in answering this question is the desired glasses model or the interest in further services. 

The general insurance situation is also crucial. Finally, policyholders should definitely avoid overinsuring themselves and investing unnecessarily a lot of money in policies. If in doubt, it is helpful to consult an expert. These specialists are well informed about the market and therefore adjust the right insurance cover. 

Conclusion

Those who are well informed can rest assured that they are optimally insured in the event of an emergency!

Before you decide on additional insurance, you should definitely compare the benefits and premiums thoroughly and professionally. At neotralo.ch you can find out whether the existing benefits in addition to the basic insurance are interesting for you and how much money you can actually save.

Find out how often cost sharing is granted and whether there are deadlines before you can claim supplementary insurance in Switzerland! 

If you are often traveling abroad, it can also be important whether the supplementary insurance also subsidizes visual aids that were purchased abroad and, above all, for how long the insurance contract was concluded and also applies.

The right health insurance and additional insurance for glasses and contact lenses, with our Health insurance comparison Switzerland Find!

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