Dental insurance in the test: 76 of 234 fares are very good
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Middle 40th. For many, the first dentures come at this age. Crowns are the most common: In 2017, over 4.1 million teeth were over-crowned in the case of cash patients.
Crowns, inlays or implants – what additional insurance pays most for expensive dentures? In a review of 234 dental insurance policies, Stiftung Warentest rates 76 offers as very good, but there are also significantly worse rates on the market. In the test winner, a 43-year-old customer pays about 40 euros a month, the contributions increase over the years to a maximum of 65 to 70 euros. The cheapest offer with very good dentures is available for only 11 euros, and the contribution rises to a maximum of 32 euros.
From the middle of the 40s it gets almost everybody
The good news first: Regular dental care and control help to maintain dental health. Never before have so many children been caries free in Germany as today. Also in the younger adults from 35 to 44 years, both caries and periodontal diseases have been significantly reduced. This was shown by the 5th oral health study of the Institute of German Dentists. The bad news: Nevertheless, it will catch almost everyone from the mid-40s. The most common case: With a filling, the tooth can not be saved, it must be over-crowned. Statutory health insurance companies receive about 4.1 million such crowns per year.
76 out of 234 supplementary dental insurances tested very well
Dentures can be expensive – especially if patients opt for an elaborate restoration such as an implant. Then it is good to have a private dental insurance – because the health insurance takes over from such costs only a small part. Stiftung Warentest has examined the supplementary dental insurance policies of all insurers on the German market whose offers are open to insured persons of all statutory health insurance funds. Pleasing: Of the 234 additional policies from our test, 76 were very good.
This offers the test dental insurance
test results. The interactive table of the Stiftung Warentest shows 234 dental supplementary insurance rates in comparison. We evaluated the services for dentures: standard care, privately paid dentures, inlays and implants. The supplementary dental insurance assessment also included the annual upper limits for tariff benefits. The table can be filtered individually for individual services as well as for the monthly contributions.
Four performance examples. They show what costs can be incurred for crowns, inlays or implants, what the cashier does and how much additional insurance is involved.
Information about additional services. Tariffs often also include services that serve teeth preservation, for example for professional teeth cleaning or root canal treatments. We say what kind of services that is and how much of the costs you have to bear. With otherwise equally good offers, this can be an important decision-making aid to find the best dental supplement insurance for you.
Staple items. If you unlock the topic, you also get access to the PDF for the review from Finanztest 5/2019. The PDF shows – unlike the interactive table – only the best very good tariffs up to grade 1.0 from our test and very favorable very good and good to note 2.0.
Number of very good dental supplement tariffs has gone up
With the highest-performing tariffs, insured persons covered by statutory health insurance cover 80 to 100 percent of the bill, even for expensive dentures, together with the share of their health insurance. At the age of 43, they cost our model customer between 11 and 66 euros a month. Compared to the previous investigations, there are now even more very good offers. New customers can therefore choose from many high-performance tariffs. Insured persons with older contracts should consider whether they can improve by switching to a higher tariff with their current insurer.
We compare – you save: An insurance according to your specifications
They want to be tailor made > Comparison dental insurance! The tariff calculator of Stiftung Warentest is updated monthly and is always up to date. It contains offers from almost all private health insurers offering dental supplement insurance in Germany. With little effort, you can find out which additional insurance is the best for you. In short, we compare – you save.
Tip: Numerous other valuable information about the dental supplement insurance can be found in our FAQ dental supplement insurance. Information, orientation and saving tips around dentures offers our special costs of dentures.
Cash does not pay for more expensive material
An additional insurance makes sense, because the health insurance does not cover the actual costs for dentures. She pays a fixed allowance for every dental finding, which is 50 percent of the standard care amount – regardless of what kind of dentures someone gets. Standard care means dentures in a simple design, which is medically sufficient, but for example, no gold alloys, no veneering of posterior teeth and implants provides. With the bonus for regular dental visits, the fixed subsidy can be increased by the statutory health insurance to a maximum of 65 percent of the amount for the standard care. What goes beyond that, the dentist bills the patient privately. If a treatment involves several teeth, it can be quite expensive.
Performances for implants often limited
This facebow misses the jaw position. With the values, for example, crunching bars can be adjusted to an individual malposition.
Advertising for dental insurance meets customers at every turn. Those who simply access the first offer can experience an unpleasant surprise in the event of a claim. For example, the word “implant” nowadays appears in almost every contract. This does not mean, however, that all tariffs here provide extensive benefits. On the contrary: Especially with this very expensive supply, many contracts provide for restrictions. Some limit the number of implants they finance each year. Others do not share the cost of having bone first needed before the implant can be inserted into the jaw. Only in the detailed description do customers find out what they really deserve.
Limited service at the beginning of the contract
It is best to take care of a powerful supplementary insurance as long as the dentition is still flawless. For a newly concluded contract is of little use if a major dental restoration is pending. At the beginning of a new contract often eight months wait, during which there is no reimbursement for dentures. In the meantime, however, a number of insurers are coming to meet their customers and are also offering supplementary dental insurance with reduced or no waiting time. This is the case with more than half of the offers in the test. However, almost all insurers restrict their performance to certain maximum amounts in the first three to five years.
No benefits for previously damaged teeth
No services are available to patients in almost all tariffs for dental problems that were already “on record” at the conclusion of the contract. If, for example, the dentist has advised to over-crown a tooth in the course of a follow-up examination, the insurers will already consider this as ongoing treatment.
When is the change to another insurer worthwhile
Especially customers with older contracts can improve. Today, there are many more powerful and affordable dental supplements on the market than ten years ago. It depends on whether someone needs dentures in the next three to five years whether the change to another provider pays off. Anyone who already has an additional policy and wants to improve, should therefore first look at their own insurer for a better deal. For those who change only in a different rate with the same insurer, can take the rights acquired in the old contract and thus has short-term entitlement to dentures – at least to the extent of the previous contract services. Waiting periods and the usual sum limits at the beginning of the contract only apply to the higher services that are added to the newly concluded contract part.
Two types of contribution calculation
By far the most tariffs in our test are calculated with age-related contributions: The contribution increases gradually during the contract period. Only in individual rates pay customers of all ages the same amount. In addition, the insurer may increase the contribution beyond the scheduled increase if he permanently spends more than he had originally calculated. In order to make these contributions comparable with those of tariffs without age-related premium adjustment, the table shows the contribution margin and the average for the period from 43 to 73 years. For rates without age-related premium adjustment, the contribution depends only on the age of the customer when concluding the contract: younger pay less, older more. The insurer creates a provision from which it finances the higher costs of old age. The contributions can only increase if the expenses rise. From the customer’s point of view, the type of calculation otherwise does not matter.
In the request, tell the truth
When applying for insurance, customers must answer questions and release the dentist from confidentiality. Often insurers only ask for missing teeth. This actually means gaps. An existing implant or bridge is not included. Therefore, it is quite easy to answer the questions correctly. Anyone who is still unsure, should ask the dentist. The details are usually not checked when the contract is concluded, but only when the companies receive a high bill for the first time. If it turns out that a customer deliberately did not mention missing teeth in the application or that a diagnosis was already established before the conclusion of the contract, the insurer does not have to pay. He may even be able to withdraw from the contract.
User comments posted before April 16, 2019, still refer to the predecessor survey from Finanztest 5/2018.
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