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Supplementary dental insurance for children

Supplementary dental insurance for children is useful to protect yourself from the high costs of orthodontic treatment. Because roughly every second child has a malalignment of the teeth that needs orthodontic treatment.

Statutory health insurance only pays for such treatment if there is a pronounced malposition. And even then, the health insurance company reimburses only 80 percent of the costs for basic medical care.

Which building blocks are important?

Good dental insurance for children covers a large part of the cost of treatment at Orthodontists – even with slight misalignments. The insurance should also cover dental treatments and professional tooth cleaning (prophylaxis) come up.

Children and adolescents, on the other hand, usually do not yet need benefits for dentures.

Important building blocks for children

orthodontics

Orthodontic services for children

The statutory health insurance company checks which of five orthodontic indication groups (KIG) includes the malposition in a child. From a severity level of KIG 3, statutory health insurance pays for basic medical care, but no costs are assumed for minor malpositions of groups KIG 1 and KIG 2.

The orthodontic indication groups (KIG)

Statutory health insurance benefits

Pronounced malposition

Extremely pronounced malposition

Dental supplementary insurance for children should therefore always offer excellent benefits for the frequent misalignments of groups KIG 3 to 5. Here, the tariff should pay as much as possible additional costs for high-quality therapies that go beyond legal protection. These include, for example

  • Mini or plastic / ceramic brackets,
  • invisible braces (Invisalign),
  • internal braces (lingual technique) or
  • a functional analysis.

If you also want to correct minor misalignments of groups KIG 1 and KIG 2, you should make sure that the selected tariff also does this.

dental treatment

Dental treatment services for children

Dental treatment may be necessary even in young children. For example, if a child sucks too often on feeding bottles with milk or juices, caries can affect individual milk teeth. A dentist should treat this in good time. Otherwise there is a risk that teeth that fail prematurely will cause malpositions or that caries bacteria will be transferred to permanent teeth.

If a filling is necessary, the statutory health insurance usually only pays for a filling with amalgam. A high-performance dental supplement insurance, on the other hand, also subsidizes higher-quality materials such as one Plastic filling. In addition, it takes over medically necessary Periodontal or root canal treatments – Even if the benefits cannot be billed through statutory health insurance.

The following applies to every necessary dental treatment: A private supplementary dental insurance ensures that your child receives the best treatment without having to be afraid of high additional payments.

teeth cleaning

Child cleaning services

Regular teeth cleaning also makes sense for children and adolescents to prevent tooth decay and periodontitis. In professional teeth cleaning, a dentist or dental hygienist removes hard deposits such as tartar or soft deposits such as plaque. Especially for Children with braces such teeth cleaning is recommended. Therefore, good dental supplementary insurance for children should also cover most of the costs for regular tooth cleaning – the tariffs usually pay up to an annual maximum.

In some cases, dentists advise that in children, the depressions on the occlusal surfaces of the molars – the so-called fissures – to seal. This is to prevent tooth decay in these hard-to-clean places. However, the statutory health insurers only cover the costs for the large permanent molars. Most private dental insurance companies, on the other hand, also pay when the front molars – the eight premolars – are to be sealed.

From what age does dental insurance make sense for children?

A private dental insurance is for children from one Age of about three years meaningful. Then the milk teeth have already developed completely and orthodontic treatments are not yet pending.

However, you shouldn’t wait too long if you want to take out a policy for your child. Because orthodontic treatments that were advised before taking out insurance are excluded from insurance coverage. As soon as a dentist or orthodontist detects a malposition, this treatment can no longer be insured.

Tips at a glance

  • Take out additional dental insurance for your child before a dentist diagnoses a malposition.
  • The insurance should be checked from the age of 21. In the adult tariff, many contracts with good orthodontic services are comparatively expensive. Later, instead of orthodontic services, you may also need rather high reimbursements for dentures.
  • Note the reimbursement limits up to which a tariff pays.
  • Make sure that a tariff covers the additional costs for special requests during treatment, for example for invisible braces.

How to find the right tariff for your child

To find the right dental insurance for your child, you should compare several tariffs. Above all, make sure that the insurance company offers good benefits in the field of orthodontics.

In CHECK24’s free dental supplement insurance comparison, you can compare the benefits of the individual tariffs with one another in the shortest possible time. You also have the option to filter your results by just about Tariffs with good orthodontic services to compare with each other.

You can also call us free of charge and without obligation. Our customer advisors are very familiar with all available tooth supplement tariffs.

The CHECK24 guides on the subject

Would you like to find out more about how your child’s teeth stay as healthy as possible? In the CHECK24 guides you will find useful information on all aspects of dental health in children.

Dental care for young children

From proper brushing to the first visit to the dentist: we give you tips on how your child can grow up with teeth that are as healthy as possible.

Dental accident in children

If your child hurts their teeth while romping around or playing, we will tell you how best to behave in the event of a dental accident.

Dental tooth insurance for children

  • Compare without obligation and free of charge
  • Find the best rates for children
Dental Supplement Insurance – How much you can save

ARAG
€ 11.19 R + V
€ 58.25 total savings € 47.06 per month

  • At least good performances for dentures
  • At least good performances for dental treatment
  • At least good performances for professional tooth cleaning
  • Policyholder: male or female, 33 years
  • Cheapest provider: ARAG, Dent 70 with 11.19 € per month
  • Most expensive provider: R + V, ZahnPremium (Z1U) + ZahnVorsorge (ZV) with € 58.25 per month

Total savings: € 47.06 per month or 80%
Source: Customer Survey, calculation from 05/2019

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Christina Cherry
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