“For persons with statutory health insurance, the question regularly arises: Is additional insurance for the teeth worthwhile? In fact, supplemental dental insurance is not equally useful for everyone. And also the type of insurance is crucial, because in part, the supplements offered on the market differ enormously in their hedged performance and reimbursement. Therefore, the key facts about supplemental health insurance described below should help answer this question for you. “
Why a dental insurance is worthwhile:
- For the statutory health insurance only simple cement fillings for a hole in the tooth are taken, which usually last only a few years and then have to be renewed. Who wants a high-quality plastic filling, therefore, has to pay an own contribution of about 60 € without insurance, for inlays made of ceramics you can even expect a cost of 250 – 450 €. Who has to fight with tooth decay, so for a sustainable treatment has to dig deep into the bag. On the other hand, the insurance can completely cover these costs depending on the tariff.
- Another treatment, which is necessary for many people, is the root canal treatment, which for the legally insured beats in many cases with about 800 €. High costs, which could easily be intercepted with a suitable supplementary insurance.
- Even children who are often required orthodontic treatment may cost four digits. Malocclusions of a low severity, which require a correction for medical reasons, are still not taken over by the health insurance companies. Only when the malposition reaches the degree pronounced to extremely reached, enters the statutory health insurance. Therefore, an early provision by a dental insurance is useful for children.
- A good dental supplement insurance not only supports you with necessary treatments but also with the prevention, so that it does not even come to pain. Therefore, you can have a prophylaxis in the form of a professional tooth cleaning twice a year. The regular costs without insurance are here between 60 € and 150 € per treatment.
The Three Point Plan – You should pay attention
1. What benefits do you use?
If you regularly use the recommended professional tooth cleaning in order to sustain the oral health sustainably, a protection of this component can already be worthwhile. Also for dental treatment, such as, for example, a Wurzelspitzenresektion appropriate benefits in the scope of a dental insurance can be integrated. Furthermore, the components of orthodontics and dentures are insurable by various providers.
2. When does the insurance take effect??
The dental supplement insurance secures you for future complaints. That means, with current or already by the dentist as necessary declared treatment measures before or during the conclusion of the contract does not take a newly completed supplementary dental insurance yet. Since many tariffs, in the context of the applications, already health questions must be answered, in this case, the conclusion of the contract is excluded. Interested parties who wish to take out additional dental insurance despite current or recommended treatment can, however, switch to non-health tariffs. In any case, the insurance cover always applies only to future illnesses and the necessary treatment measures.
3. Get help from experts!
Basically, it is highly recommended due to the diverse tariff landscape to independently compare different tariffs with each other. This can either be done by an independent insurance broker locally or by an independent comparison on the internet. With the online option, you can analyze the respective offers directly from home on the basis of your individual requirements and clarify any questions you may have by telephone. More information can be found in the following section.
Find the right rate: How to identify your needs
Central issue in the decision for a private dental insurance is the scope of services. You need to be aware of which hedging components should include the perfect rate for you: Do you want a all-round protection of all benefits, such as dental prostheses, treatments, prophylaxis and orthodontics hedges or just a hedge of individual sub-measures? First of all, you should therefore think about which services are useful for your needs or could become relevant for you in the future. With this objective, you can now set the respective scope of services of your insurance.
The scope of services
The various dental supplementary insurance rates not only have different components, from prophylaxis, dental treatment, dentures and orthodontics, but also occur to varying degrees for these services. Even if the various sub-components are part of a tariff, the benefits may be limited by maximum reimbursement levels. For example, some tariffs do not include implants or all-ceramic crowns or exclude root and periodontal disease treatments in their terms of insurance. Especially in the case of children and adolescents, it is essential to pay attention to the orthodontic section, as there is great potential for using the services.
The beginning of the service
As a rule, waiting periods apply to almost all dental insurance before the actual benefit period begins. Depending on the tariff and type of benefits (there is often no waiting period for prophylaxis), this amounts to up to eight months. So here’s a good look at the insurance and tariff conditions. However, there are also tariffs that do not provide any waiting time for all service modules. In principle, however, this criterion should not serve as a basis for deciding on the choice of supplementary dental insurance, since already necessary treatment measures can not be billed anyway. If, however, accident-related treatment measures become necessary after the beginning of the contract, the waiting periods will not apply and the insurance company will fully take part within the scope of the insured benefits.
Limiting the performance
A so-called tooth scale defines the period after the start of the contract in which a performance restriction exists. Often this is a period over four years, which is quite different from fare to fare. Here, no service components are excluded, but rather a financial limitation of the insurance benefits. Some providers work without such a limitation in the initial period. In the case of so-called low-fare tariffs, in turn, a maximum amount of reimbursement is often fixed even for the entire duration of the contract.
The insurance premium is largely determined by the retirement age of the insured person. Here is the rule of thumb, the older the more expensive. Even if you think that the amount of the contribution is an indicator of the scope of the insurance, you should be careful here. Because this is not the case with many tariffs. The insurance premiums can generally be paid monthly, quarterly, semi-annually or annually. Many insurance companies even grant a discount on half-yearly or annual payment.
Development of contributions
There are two different calculation types, which determine the premium development for supplementary dental insurance. On the one hand this is the calculation according to type of life insurance and on the other hand the type of damage insurance.
For damage insurance, contributions increase according to age. In contrast to this, old-age provisions are included in life insurance right from the start and the contribution is kept constant despite increasing age. Accordingly, these fare offers are also more expensive from the beginning. Therefore, this option is often worthwhile only for very young policyholders.
The health issues
For most tariffs, health claims are made upon application, allowing the insurer to conduct a risk assessment and, if necessary, reject the application. However, there are also some rates that do not pose health issues. However, it also applies here that dental treatment measures that have already begun or are advised prior to the application are generally not accepted.
The Obligation Obligation
When applying, it is of the utmost importance that the health questions are answered truthfully. If illnesses are concealed or deliberately false information is provided, there is a breach of the pre-contractual obligation to notify. In the case of this so-called breach of duty, the insurer is exempted from the benefit and the contributions paid up to that date are lost.
The contract period
Supplementary dental insurance is a long-term provision contract, so the duration of the contract should not be too important for the decision. Nevertheless, there are differences in the minimum contract duration of the different insurance providers. For most tariffs, there is a minimum contract period of two years. Some only provide for a minimum contract period of one year. However, all tariffs have one thing in common: they can be terminated at the end of the insurance year after the expiry of the minimum contract period with a four-week notice period. If you do not want to commit yourself to a minimum contract period, you can, for example, use the services offered by Deutsche Familienversicherung or ERGO Direkt Versicherung, which can be terminated at any time by the end of the month.
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