Supplementary dental insurance for children

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Supplementary dental insurance for children
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Supplementary dental insurance for children

With additional dental insurance for children, parents no longer have to pay for certain treatments at the dentist or orthodontist. Such insurance makes sense because almost every second child has a misaligned tooth.

For this reason, orthodontic treatments are among the most needed health services for children and adolescents. If the malposition is particularly serious, the statutory health insurance companies pay for such an intervention. The orthodontist determines the severity using the orthodontic indication group.

What benefits does supplementary dental insurance cover for children??

Good dental insurance for children finance treatment for orthodontists even in the event of a slight malposition. In addition, most insurance companies cover the costs of dental treatment and professional dental prophylaxis.

These include, for example, tooth cleaning and fissure sealing.

In rare cases, a denture is even necessary for children, and private insurance coverage often pays here too up to 100 percent of own contribution.

Orthodontist treatment: the orthodontic indication groups (KIG)

Overall there is five orthodontic indication groups (KIG), on the basis of which the statutory health insurance company checks whether it covers the treatment costs.

If the child is slightly deformed (KIG 1 or KIG 2), the costs must be borne without dental insurance.

In the event of a pronounced malposition (KIG 3 to 5), the health insurance only pays for basic medical care.

For this reason, when looking for the right dental supplement insurance for children, make sure that the insurance offers very good benefits for KIG 3 to 5. The tariff should pay for the additional costs of high-quality therapies (for example in the form of plastic brackets or invisible braces) that are not covered by legal protection. Many children, especially as adolescents, need fixed braces.

This is why tariffs are particularly popular, which also cover the cost of braces that are as inconspicuous as possible.

In the long term, it is advisable to treat even minor misalignments of the KIG 1 and KIG 2. Therefore, good dental supplement insurance should also cover all or part of these costs.

Dental insurance: These dental treatments are necessary

Dental treatments sometimes have to be carried out on small children. The milk teeth are particularly sensitive in early childhood. For example, tooth decay often occurs in milk teeth – the risk is particularly high in children who consume a lot of milk and juices. It is then important that the dentist intervenes at an early stage so that malpositions do not occur as a result of teeth falling out prematurely. There is also a risk that caries will spread further.

If the child needs a filling, the statutory health insurance usually only takes on the filling with amalgam. A powerful dental supplement insurance for children, on the other hand, also pays for the use of higher quality materials such as plastic. Root and periodontal treatments are usually completely covered by private dental insurance. No matter what type of dental treatment is needed – with a private dental insurance the child receives the best treatment without high additional costs.

Teeth cleaning and fissure sealing

Children need teeth cleaning at least twice a year to nip caries and periodontitis in the bud. The treating dentist removes tartar or plaque that cannot be removed by rinsing or brushing your teeth. The tooth cleaning carried out at regular intervals is covered by most dental insurance policies. An annual maximum amount often determines the amount of the insurance sum.

The molars also have recesses on the chewing surfaces of small children, which often cause tartar and plaque. These places are also called "fissures". Because they are difficult to clean, fissure sealing can prevent tooth decay. Statutory health insurance pays for the sealing of the fissures, but only for the large permanent molars. Private supplementary insurance, on the other hand, often also seals the front molars (premolars).

dentures

Dentures are not just an issue for adults. After a sports accident, children sometimes also need dentures. Otherwise, chewing and speaking difficulties can threaten in the long term. In addition, a child can also be aesthetically dissatisfied, which can permanently impair their self-confidence. In this case, a dentist can remedy the situation with child-friendly dentures. A private dental supplement insurance for children usually takes over the dentures completely. This applies to crowns as well as bridges and prostheses.

Supplementary dental insurance for children from whatever age?

From around 3 years of age, it is advisable to take out additional dental insurance for children. At this point in time, the milk teeth have completely developed and orthodontic treatments are not yet pending. Parents should not allow themselves too much time to take out insurance. Insurance coverage no longer applies to orthodontic treatments that were advised before a policy was concluded.

The insurance coverage should be checked again at the latest when the children reach adulthood. For adults, other benefits are now the focus of dental insurance. Here, for example, benefits for orthodontics come to the fore, as these are no longer covered by statutory health insurance in adulthood.

Does dental insurance make sense for children?

The advantage of additional dental insurance for children is that they can also count on cheap tariffs due to the lower risk for expensive services such as dentures. However, since the risk of misaligned teeth and the need for braces in children is very high, dental insurance offers good protection for parents’ wallets.

Dental supplement insurance for children in comparison

In order to find the right dental supplement insurance for children, customers should compare several tariffs. The services in the field of orthodontics are just right. The cheapest offers do not necessarily have to be the best, since these insurances often only cover a small part of the costs.

It is best to compare the offers of the different dental supplementary insurance for children. The Verivox calculator offers a clear comparison to find the right tariff.

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