Who can take out additional dental insurance?
Additional dental insurance is taken out in addition to the compulsory basic insurance, because dental services are only covered to a limited extent by the basic insurance.
What kind of dental services are covered by which insurance?
covered by basic insurance | covered by additional insurance |
- flat-rate supplements for dentures (usually 50%) - Checkups - caries treatments - root canal - Periodontosis - tartar - Dental hygiene | - braces, - dentures, bridges - high quality materials for treatments such as bridges etc. - tooth corrections |
Those who regularly go to inspections and collect stamps can count on bonuses and discounts, and the grants are largely taken over.
A supplementary dental insurance is particularly worthwhile for children, since tooth corrections and braces are quite expensive over several years.
In general, it is advisable to have a cost estimate from the doctor before the treatment and to present it to the respective insurer. A written confirmation of the assumption of costs may be very useful.
What does dental supplement insurance cost?
Additional dental insurance costs between 19 and 49 francs per month, depending on the provider. The amount of the premium varies from provider to provider and should use a Health insurance comparison be well chosen. Bonuses and discounts are also possible, depending on the number and age of children. Discounts up to 25% are possible, but should also be coordinated in comparison before they are concluded.
Reduce dentist costs
There are ways to keep dentist costs down in advance. The following possibilities are possible:
- Keep your bonus book and go to the control every year. With the stamps in your booklet you can secure the maximum subsidy from the health insurance company.
- Have the cost plan drawn up by practice.
- Compare laboratories. The cost of the laboratory is one of the most expensive items on the bill. Suggest your doctor to work with a cheaper laboratory.
- Does your health insurance company have contracts with providers such as? Dent-net? or? for the sake of your teeth ?? With this you secure regular care without your own additional service.
- Obtain second opinion. If you have any doubts about the proposed method and costs, get a second opinion.
- Take out additional insurance. Please note, however, that the health insurers only pay a maximum amount between 80 and 90 percent.
Which tariff makes sense?
Dentist costs can be quickly increased and not all costs are covered by the basic insurance. If you have opted for supplementary dental insurance, you should bear in mind that there is a waiting period during which you cannot take advantage of the insurer's benefits. If you already have dental problems, there may also be problems with the graduation, because you may not get a positive notification of admission.
Which tariff you should choose depends on which services you want to use or which you want to choose for your children.
Tip: For child insurance, it is advisable to take out additional dental insurance as early as possible, since tooth corrections can be made at an early age.
Is dental insurance also valid abroad?
As a rule, additional dental insurance is only valid for treatments in Switzerland. Only selected providers agree to also cover the costs of cheaper interventions in neighboring countries.
When should parents take out the policy for their children?
The best thing for parents to do is to have their children insured through a dental supplement policy before the boys and girls need a medical certificate. Some providers require these documents from the age of three, but other service providers only from the age of six. If the children have already been diagnosed with a malposition, the associations can partially or completely refuse insurance cover.
Conclusion
It is a good idea for parents to take out dental insurance as early as possible. Finally, the policy helps to save costs permanently.
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