Oral hygiene is a necessity for many Swiss people, but the compulsory basic insurance only covers serious illnesses of the chewing apparatus. We have compiled and answered the 10 most common questions about dental supplement insurance in Switzerland for you here.
1. How much does health insurance cost in Switzerland?
As insured persons in Switzerland always have to pay ten percent of the cost of treatment, this ten percent plus franchise must be paid. The premium costs for supplementary dental insurance are between CHF 10 and CHF 20 per month and per child.
But be careful: Many insurance policies require separate packages that are more expensive than the overall package. The costs differ depending on the franchise and insurance, which is why it makes sense to compare the providers.
2. What does the dental supplement insurance offer include?
The offer includes these important services:
- Correction of misaligned teeth
- Dentures such as crowns, pin teeth, bridges and dentures
- Prophylaxis and dental hygiene
- diagnostic Radiology
- preserving dental treatments
- tooth extractions
3. Why do I need additional dental insurance?
Compulsory basic insurance in Switzerland does not cover a patient's dental treatment as long as it is not a serious illness. Treatments for tooth decay or misaligned teeth must be paid for yourself.
| benefits | disadvantage |
Assumption of services not included in the basic service safety treatment spectrum Discounts with multiple family members | higher monthly expenses for health insurance contractual commitment waiting period |
4. Who is obliged to take out health insurance in Switzerland?
Everyone living in Switzerland has to take out mandatory health insurance. Preferably over one Health insurance comparison.
5. Who can take out additional dental insurance?
To take out dental insurance, you must be under 65 and reside in Switzerland. Furthermore, a positive notification of admission and a health check are required.
6. Can I go to a dentist in Hungary for treatment?
You need to ask the insurance company whether you can go to a foreign dentist for treatment after graduation. As a rule, dental insurance is valid worldwide, provided that the doctor treating you has the same training as that in Switzerland. In addition, the treatment must not be more expensive than in Switzerland.
7. How do I change my dental insurance?
You can usually cancel your supplementary insurance once a year if your cancellation is received by September 30th at the latest. This is the only way to change within the three-month deadline of December 30th. Termination must be in writing.
8. Can I cancel without notice in special cases?
Yes, in special circumstances you can terminate the contract without adhering to the deadline. This is possible in the event of a claim, for example if the attending doctor made a medical mistake or you had a medical accident. The special right of termination also applies to an increase in premiums, but make sure that the deadline is met.
9. Is there a waiting period?
For most dental supplement insurance, there is a waiting period of six months. This means that treatment is only possible six months after the contract is signed. The treatment date is decisive for the transfer.
10. Is there a discount if I switch? How can premiums be saved?
Children and young adults usually have lower premiums. Some insurance companies offer discounts if several family members are insured with them. The discount offers are graded according to 5% per two insured per family or 10% from three insured family members. Overall, discounts range from 0 to 20% and are on a voluntary basis.
Good to know!
When choosing dental supplementary insurance, please bear in mind that individually agreed services are based on the respective scope of services. This means that some providers tend to focus on correcting misaligned teeth and other insurance companies on dentures.
In addition, the proportion with which you have to contribute to the respective treatment costs varies. Some insurance companies therefore only pay a certain percentage of the costs for treatments such as braces. In addition, the offers of the health insurance companies differ for a limit of annual financial benefits.
In this regard, you should make sure that these offers do not fall below a minimum of CHF 5,000. It is therefore all the more important to compare offers in detail.
It's worth comparing! Now to compare and find suitable dental supplement insurance!
