Dental insurance for children (without waiting time): Top 10 tariffs in comparison & test
In many cases, taking out private dental insurance can also make sense for children in order to protect themselves from the high costs that arise in particular with orthodontic treatments. Almost every second child in Germany needs orthodontic therapy to correct tooth or jaw misalignments. However, the statutory health insurance only pays for severe to extreme malpositions and in this case also pays a maximum of 80% of the costs. In addition, many dental supplement insurance take on far more extensive dental care measures than the statutory health insurance. Some premium tariffs meanwhile even waive the usual waiting time after the contract is signed.
Table of Contents
Where are the limits?
All tariffs limit the amount of benefits in the first years after the contract is signed. In addition, there are often separate power limits for orthodontic treatments.
Which services are excluded?
Treatments that have already been advised or started are excluded from insurance cover. This also applies if individual teeth are only under observation due to an incorrect position.
Dental supplementary insurance for children without waiting – top 5 tariffs
The following table shows the top five tariffs in the dental supplementary insurance category for children without waiting. In addition to the overall grade achieved in the test, it also represents the reimbursement rate for orthodontics (orthodontics).
| collective name | Reimbursement rate orthodontic | grade |
|---|---|---|
| Exclusive German family insurance for dental protection | 100% | 1.0 |
| Munich Association 571 + 572 + 573 + 574 | 90% | 1.0 |
| Insurance Chamber Bavaria ZahnPRIVAT Premium | 90% | 1.1 |
| UKV ZahnPRIVAT Premium | 90% | 1.1 |
| Signal Iduna tooth top pure | 90% | 1.5 |
In addition to the reimbursement rate for orthodontics, the secured orthodontic services in detail and maximum reimbursement amounts for orthodontic services also play a decisive role. This detailed information can be found on the individual tariff detail pages of the respective tariffs.
What should a good tariff for children (without waiting time) include??
In contrast to adults, a tariff for children should be able to demonstrate strong performance, especially in the areas of orthodontics and dental care. In particular with orthodontic treatments, high costs can arise, which should be borne to a high degree (80 to 100 percent) by an additional dental insurance.
In the event of serious malpositions (KIG 3 to 5), the health insurance company pays up to 80%. Care should be taken to ensure that the additional costs for higher quality therapies, such as ceramic brackets or invisible braces, are covered by the dental insurance. The health insurance does not pay for minor tooth misalignments (KIG 1 and 2). Good private dental supplement insurance for children, on the other hand, bears the treatment costs here too.
In addition, dental care measures play an important role in childhood. A good tariff includes, for example, the takeover of professional teeth cleaning and the fissure sealing of the molars in its scope of services.
The following table shows the costs of orthodontic treatment according to orthodontic indication groups (KIG levels) of a legally insured child and with private dental supplement insurance (UKV ZahnPrivat Premium, 90 percent reimbursement, maximum reimbursement 3600 euros).
| KIG level (specification) | Expected costs | Own contribution of the GKV insured | Own contribution with ZZV |
|---|---|---|---|
| 1 (very easy) | € 5000 | € 5000 | € 1400 |
| 2 (easy) | € 5000 | € 5000 | € 1400 |
| 3 (medium) | 2500 – 7500 € | 500 – 1500 € | € 50-150 |
| 4 (strong) | 5000 – 10000 € | 1000 – 2000 € | € 100-200 |
| 5 (extreme) | € 7500 – 12500 | 1500 – 2500 € | € 150-250 |
The expected costs shown represent average costs and can also be higher or lower depending on the regional location and the chosen treatment method.
What are the advantages of a tariff without waiting time?
After taking out dental insurance, many tariffs initially provide for a waiting period of up to 8 months, during which no costs for upcoming dental treatments are covered. The only exception to this are usually accident-related tooth damage. A tariff without a waiting period, on the other hand, pays from the first day and should be selected if treatment is already in sight (but not yet advised).
What are the limits of a tariff for children (without waiting time)?
Just like dental insurance for adults, tariffs for children limit the benefits in the first few years. Here, the highest possible sum limits should be observed in the first 4 to 5 years. The total amount of services for orthodontic services is often limited. A good tariff should provide at least 3000 euros for minor malpositions (KIG 1 and 2) and 1500 euros for severe malpositions (KIG 3 to 5). Of course, optimal performance is unlimited (e.g. Signal-Iduna ZahnTop). Prophylaxis services are often limited separately. Therefore, care should be taken to ensure adequate reimbursement for the professional dental cleaning advised every six months.
When is the best time to take out dental insurance for children??
It is advisable to think about taking out additional dental insurance for a child from the age of 2 to 3 years when the milk teeth have fully developed. On the one hand, the insured child can then benefit from many useful dental care services. On the other hand, early insurance is particularly important because it is no longer possible to take out a treatment that has already been advised or has started. This already applies if only individual teeth are under observation due to an incorrect position.
Related Posts
-
Dental insurance for children (braces) »test 01
Dental insurance for children (braces): Top 10 tariffs in comparison test Many children suffer from misaligned teeth or jaws, which, if left untreated,…
-
Does dental supplementary insurance make sense for children?
How useful is a dental insurance for children? Many parents wonder whether you should also take out dental insurance for your children – for example, to…
-
Pediatric orthodontics Dental insurance for children Dental supplementary insurance for children and orthodontics A beautiful child’s smile is priceless….
-
Dental insurance for inlays, the best providers in 2020
Dental supplementary insurance for inlays: Top 10 tariffs in comparison test If the dentist finds a hole , i.e. caries, in a tooth, a filling is usually…