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Dental insurance child »versicherungscheck24

Dental insurance child »versicherungscheck24

Dental insurance child

Not only adults, but also children should go to the dentist regularly – as a precautionary measure or because there is a need for dental or orthodontic treatment. Professional tooth cleaning, caries fillings, fissure sealing and above all the correction of misaligned teeth are the usual treatments that are used by children. The respective measure is not only uncomfortable for most children, but also involves a considerable financial outlay for the parents. Because not in all cases the respective costs are borne by the statutory health insurance and if they do, then mostly only for the cheapest dental care. A special child dental insurance is a private supplementary dental insurance tailored to the needs of the child and is usually quite cheap compared to adult tariffs.

What benefits should a child’s dental insurance include?

Since children generally have different dental treatment needs than adults, insurers usually offer separate tariffs for child dental insurance. Even if the scope of benefits is not always uniform, parents should make sure that the child dental insurance includes the following components:

  • orthodontics
  • Dental treatment or tooth preservation
  • prophylaxis

Orthodontics at child dental insurance

An essential part of a child’s dental insurance should always be the orthodontic field. At least 50 percent of all children need orthodontic treatment. The health insurance companies pay 80 percent or 90 percent for several children in simultaneous treatment and regulate the remaining own contribution after successful therapy only if a serious malposition has been diagnosed. An evaluation is based on the five orthodontic indication groups (KIG). Benefits from the statutory insurance are only available from KIG 3.

A dental insurance child can pay from KIG 1 and covers the costs for

  • The braces (loose or fixed): Depending on the tariff, internal braces, ceramic or plastic brackets or invisible braces can also be covered by the Kind Dental Insurance.
  • Imprints and x-rays
  • regular check-ups including preliminary talks and follow-up examinations

Dental treatment at child dental insurance

Children can also have holes in their teeth, sometimes even in the milk teeth, so that caries treatment is necessary. A good child dental insurance covers the cost of high quality Plastic fillings. Since the risk of caries in the so-called fissures (the elevations on the molars) is particularly high, many dentists today take so-called fissure in front. While the statutory health insurance only pays for the back molars, the child’s other molars should also be insured for fissure sealing within the scope of child dental insurance.

Prophylaxis with child dental insurance

Adequate oral hygiene is essential so that dental diseases do not arise in the first place and consequently no complex dental treatment is necessary. As a preventive measure, dentists now also offer regular care for children professional tooth cleaning on. Ideally, this is also covered by a child’s dental insurance.

For dentures, such as implants or crowns, on the other hand, there is usually no need for children, so this area does not necessarily have to be insured through the child dental insurance.

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What costs are covered by the child’s dental insurance in the event of a claim??

The amount of the respective assumption of costs differs from tariff to tariff and from provider to provider of a child dental insurance. In principle, a child’s dental insurance always pays for insured benefits, if the statutory health insurance does not pay or only pays part of the costs. In the latter case, the child’s dental insurance can cover the difference up to a specified amount.

With dental insurance for children, as with dental insurance for adults, there may be premium tariffs that cover 100 percent of all costs for the necessary dental treatment, but most of the time Maximum refund limits established. On the one hand, this limit is based on a certain one percentage fixed and averages between 80 and 90 percent of the invoice total. Second, there are annual ones absolute limits, which are usually relatively low in the first year of insurance and then increase continuously. The respective maximum reimbursement limits not only vary for the individual tariffs, but often vary for the individual components within a tariff for child dental insurance.

When is a child’s dental insurance worthwhile??

The general recommendation is to take out child dental insurance at an early stage and, in the best case, already then, when all milk teeth in the jaw have erupted, i.e. at the age of three. A child’s dental insurance should be taken out at the latest before an acute dental or orthodontic need for action. If, for example, a diagnosis of orthodontic treatment is already available or if an appropriate measure is to be foreseen, there may be a risk that the child’s dental insurance will no longer cover the costs. Insured through the dental insurance child is always only a general risk, but not a specific treatment. Using one health check, which is usually required before taking out child dental insurance, the insurers determine this risk potential, which is primarily used to determine the amount of the premium. Therefore, the recommendation applies: Anyone who decides early on to have a child’s dental insurance and who has not had any dental or jaw problems so far also benefits from a cheap contribution to the child’s dental insurance.

When does insurance coverage for child dental insurance begin?

With the conclusion of the contract and payment of the first premium, the child dental insurance begins, but not the insurance coverage. Before you can claim benefits for your child, the contractually regulated one must first waiting period expired. This is for almost all measures eight months, only for prophylaxis is it shorter at three months. If dental treatment is necessary as a result of an accident, the waiting time is completely eliminated.

You will surely find tariffs for a child dental insurance that do not have to wait completely. Check the insurance conditions carefully: For example, it is possible that the maximum reimbursement in the first year of insurance is very limited. In addition, it is not uncommon for insurers to pay for this special benefit through a higher premium.

Please also note that the elimination of the waiting time does not mean that the child’s dental insurance covers benefits for dental or orthodontic treatments for which there was a need even before the child’s dental insurance was taken out.

How much does dental insurance cost a child?

You can assume that the costs for a child dental insurance are fairly manageable if a policy is concluded early. The contributions for child dental insurance vary between single-digit amounts per month and almost 40 euros per month. The wide range is not only due to the age of the child, but is also due to other factors. This includes

  • the scope of services
  • the amount of the reimbursement
  • the individual risk
  • the period
  • the payment arrangements
  • the price level of the provider

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