Dental insurance Switzerland

A beautiful smile is very important to most people. So that this is preserved, many resort to dental treatments. But what about the assumption of costs by the compulsory basic insurance? Does the health insurance company pay for dentures or root canal treatment? Or do insured people stay at their expense? Find out when the basic insurance comes into effect and whether it makes sense to take out dental insurance.

Dental insurance

content

Treat teeth grinding: Pay the health insurance?

Vasectomy / Sterilization – What Health Insurance Pays?

content

Dentistry: When does basic insurance pay??

Many dental treatments in Switzerland are not paid for by the mandatory basic insurance. Here Swiss people are on their own without any additional insurance. However, this does not mean that the basic insurance in dentistry does not cover any costs.

When the basic insurance for dental treatment takes effect is regulated in Chapter 5 "Dental treatment" of the Nursing Benefits Ordinance. Articles 17 to 19a are relevant. Basic insurance pays for dental treatments, for example, if they:

"Are caused by a serious, unavoidable disease of the chewing system"
"Are caused by a serious general illness or its consequences"
"Are necessary to treat a serious illness and its consequences"

The compulsory basic insurance also covers the dentist when his work is "necessary to support and ensure medical treatment", for example with a heart valve replacement or with radiotherapy. Finally, she finances dental treatments that are necessary due to a birth defect or an accident.

Attention: The basic insurance usually does not cover tooth damage due to incorrect oral hygiene.

If the cost of compulsory basic insurance is taken into account, the treating dentist submits a detailed cost estimate to the health insurance company. Together with a trusted dentist, she checks the matter. If it gives the green light, the treating dentist can start treatment. Payment is made directly between the dentist and health insurance.

If you change your health insurance during ongoing treatment, the new provider is not bound to cover the costs. He can check this again and, if necessary, come to a different result.

When additional dental insurance makes sense

Since the basic insurance for dental treatment only pays in exceptional cases, dental insurance is not only useful. In view of the high costs incurred for different dental services, dental insurance in Switzerland is a significant relief for the wallet.

Average cost of dental treatment in Switzerland

treatment	costs
tooth filling	200 francs
Pull wisdom teeth	500 to 800 francs per tooth
root canal treatment	500 to 850 francs
implants	1,000 to 10,000 francs
braces	4,000 to 12,000 francs

Many insurers offer dental insurance. The following table shows what costs you can expect in Switzerland.

dental insurance	Monthly costs for a 30-year-old sample customer from Zurich	Maximum reimbursement per year
SWICA "Denta" (50/1000)	CHF 26.90	50 percent to 1,000 francs
CSS dental insurance	CHF 27.20	50 percent to 1,000 francs
Helsana "Dentaplus" (silver variant)	55.90 francs	75 percent to 2,000 francs
Sanitas "Dental" (also known as Smile.direct "Dental")	CHF 46.20	80 percent to 5,000 francs
Groupe Mutuel "Dentaire plus" (level 2)	CHF 33.00	75 percent to 3,000 francs
Visana dental insurance (class 5)	44.40 francs	50 percent to 1,200 francs
Assura "Dentaplus"	19.00 francs	Dental technology measures: 80 percent to 1,000 francs Outpatient treatments: 80 percent to CHF 15,000

The comparison does not take into account all dental insurance that you can use to insure yourself. To find the best personal dental insurance, you should go on an offer tailored to you Value.

Some providers have different forms of their dental insurance in the program. A comparison at the Helsana health insurance company shows how the benefits differ:

With Light, 75 percent of the costs up to CHF 300 per year are reimbursed
With bronze, it is 50 percent to 1,000 francs
For silver, 75 percent to 2,000 francs have already been taken over
In the gold variant, dental insurance pays 75 percent to 3,000 francs

The benefits of Visana Dental Insurance are staggered in a similar way:

Class 3: 50 percent up to CHF 600
Class 5: 50 percent to 1,200 francs
Class 7: 75 percent to 1,500 francs
Class 10: 75 percent to 5,000 francs

The costs vary greatly depending on the provider and scope of services. Expensive dental insurance does not automatically have to be the best. Cheap dental insurance can also offer a balanced mix of price and performance in Switzerland. Take advantage of the opportunity to compare several offers.

Sometimes it is possible that dental insurance in the form of a separate contract is more expensive than under a comprehensive outpatient supplementary insurance. A comparison can also pay off here.

Fill out the form and receive a non-binding offer

Wüstenrot dental supplementary insurance experiences – test 2020

Wüstenrot dental supplementary insurance experiences Test 2020 A beautiful smile is worth a lot and often makes a person more attractive by a few…
Dental tariffs switzerland, dentist tax points, dental replacement costs

Optimal dental treatment Dentist prices Switzerland Article Index Price differences dentist prices For dental patients from OPTI-DENT, the dentist and…
Private supplementary dental insurance comparison with the online calculator from

Private dental supplement insurance comparison Save up to 50% in premiums and put a smile on your face If you can’t smile, you shouldn’t open a business…
Dental benefits from private health insurance

Dental services in private health insurance Regular check-ups are essential for long-lasting healthy teeth. In the past three years, however, around 15%…