Dental Care Insurance
Why Supplemental Dental Care Insurance Makes Sense
In Switzerland, basic insurance covers only essential dental services, making dental treatments often expensive. A dental supplemental insurance offers protection against these costs, with many Swiss health insurers providing such additional services.
What Does Dental Supplemental Insurance Cover?
Dental visits can quickly become expensive, as basic insurance covers only certain treatments, such as those for unavoidable diseases of the masticatory system or accidents. Costs for dental fillings, root canal treatments, dental prostheses, and corrections of dental alignment, as well as for oral hygiene services, are borne by the insured.
To protect yourself against the costs of dental treatments, you can opt for voluntary dental supplemental insurance, available from your current health insurer or another provider of your choice.
Each insurer individually determines which services its dental supplemental insurance covers. Typically, these include a wide range of dental treatments.
- Regular check-ups
- Tooth-preserving treatments
- Dental prosthetics
- Orthodontic measures
Many health insurers offer dental supplemental insurance with varying degrees of coverage. The maximum reimbursement often reaches up to 75 percent of the treatment costs, with annual caps typically between 2'000 and 2'500 CHF. Higher coverage amounts lead to higher premiums.
Who Benefits from Dental Care Insurance?
Although dental supplemental insurance means additional monthly expenses, it represents a worthwhile investment. Sooner or later, every adult faces the need for dental treatments, whose costs can quickly exceed the premium payments. Especially for families with children, taking out such insurance makes sense as it also covers contributions to orthodontic corrections like braces.
What to Consider When Taking Out Supplemental Insurance?
Normally, health insurers require a dental certificate before concluding dental care insurance to check the condition of your teeth. If there's already a need for treatment, the insurer might refuse to cover these costs. Moreover, health insurers are not obligated to accept applications and may refuse insurance uptake in some cases. For children, most insurers waive the requirement for a certificate up to a certain age.
Comparing offers from different health insurers is particularly advisable, as the range of services varies greatly. Our service is available to assist and advise you in finding cost-efficient dental supplemental insurance.