Dental insurance for children (braces): Top 10 tariffs in comparison & test
Many children suffer from misaligned teeth or jaws, which, if left untreated, can lead to restrictions on chewing and speaking, dental problems and pain. To treat these malpositions, orthodontic treatment in the form of braces is therefore often necessary. Depending on the severity of the malposition, braces can cost a few thousand euros. Since the protection of the statutory health insurance usually does not cover the full range of costs, additional dental insurance with good benefits in the field of orthodontics can already be useful in childhood.
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Where are the limits?
In the case of tariffs for children as well, all providers have a limit on the amount of benefits in the first few years. In addition, services in the areas of orthodontics and dental care are usually limited separately.
Which services are excluded?
If a malposition has already been identified or individual teeth are under observation, their treatment is excluded from insurance cover.
Why is a dental insurance for braces useful??
It is not uncommon for braces to cost a few thousand euros. In childhood and adolescence, the statutory health insurance covers up to 80% of the treatment costs for pronounced malpositions (KIG 3 to 5), as long as they are within the standard care. Minor malpositions (KIG 1 and 2) or higher-quality treatment options such as ceramic brackets or invisible braces are not covered by the health insurance. In order to protect yourself from high co-payments, it can therefore be worthwhile to take out additional dental insurance even in childhood. Most of these tariffs provide a significantly larger scope of benefits than the statutory health insurance, reimburse a high proportion of the treatment or residual costs and also bear the additional costs for higher-quality treatments and special services. In addition, many dental insurance companies also offer good benefits in the areas of dental care and dental treatment, from which children can already benefit.
Table 1: Cost of braces according to orthodontic indication groups (KIG levels) of a legally insured child and with private dental supplement insurance (Allianz DentalBest, 90% reimbursement, max. € 3000, monthly contribution € 15.56):
| KIG stage | shaping | Expected costs | Own contribution insured | Own contribution with tooth supplement vers. |
|---|---|---|---|---|
| 1 | very easy | € 5000 | € 5000 | € 2000 |
| 2 | light | € 5000 | € 5000 | € 2000 |
| 3 | medium | 2500 – 7500 € | 500 – 1500 € | € 50-150 |
| 4 | strongly | 5000 – 10000 € | 1000 – 2000 € | € 100-200 |
| 5 | extreme | € 7500 – 12500 | 1500 – 2500 € | € 150-250 |
What should a good tariff for children (braces) include??
In general, when choosing a tariff for children, different priorities should be set than for adults. The main focus is on services in the areas of orthodontics, dental care and dental treatment.
Good performances are characterized by a high reimbursement ratio of 80 to 100% and low benefit limits (see next section). In the field of orthodontics, particular care should be taken to ensure that the benefit is independent of the statutory health insurance, i.e. even in the case of minor malposition (KIG 1 and 2). Many premium tariffs also provide for reimbursement of additional costs due to higher-quality treatment alternatives and special services such as special function-oriented diagnostics.
Since dental care plays an important role, especially in childhood, it is essential to take care of the half-yearly professional tooth cleaning as well as other preventive measures, such as sealing the back and front molars.
What are the limits of insurance for children (braces)?
Similar to the adult tariffs, all providers provide for a limitation of the amount of benefits in the first 4 to 5 years. Here the benefit should not be less than 3000 euros in the first 4 years.
However, services in the areas of orthodontics and dental care are often subject to separate benefit limits. Here, you should pay attention to a performance sum of at least 3000 euros for KIG levels 1 and 2 and at least 1500 euros for KIG levels 3 to 5.
Many insurers also set age limits for orthodontic services and mostly no longer pay in adulthood.
Finally, for some tariffs, there is also a waiting period of up to 8 months for children before they provide insurance benefits. In the meantime, however, the number of insurance companies that waive such a waiting period is increasing.
Table 2: Benefits limitations of a dental supplement insurance with good benefits in the field of orthodontics (Allianz DentalBest, 90% reimbursement)
| calendar year | total limit | orthodontics | teeth cleaning |
|---|---|---|---|
| 1 year | € 900 | € 120 | |
| 1st – 2nd year | 1800 € | € 120 | |
| 1st – 3rd year | € 2,700 | KIG 1-2: 3000 € | € 120 |
| 1st – 4th year | € 3,600 | KIG 3-5: € 3000 | € 120 |
| from 5th year | unlimited | € 120 |
When should an insurance for children (braces) be optimally taken out??
The optimal period for taking out additional dental insurance for children is often the 2nd to 3rd year of life. At this point, the milk teeth have already fully developed, but there is still no indication of the need for braces. This is important because dental insurance does not cover treatments that have already been advised or started. In addition, the insured child can benefit early on from a range of dental care services, thereby reducing the risk of subsequent tooth damage.
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