Supplementary dental insurance for children: sensible protection?
Supplementary dental insurance: Optimal coverage for children
Most associate dental insurance with reimbursement for dental prostheses – for children, this will generally not be the motivation of the parents to take out dental insurance. The trigger is rather the fear that the health insurance company will not pay for orthodontic treatment and that the parents will have to bear the cost of braces, often of a few thousand euros. Here, as in many other cases, it makes sense to take out additional dental insurance. But the children’s tariffs also provide extensive dental treatment and prophylaxis and relieve the parents’ budget.
Editor’s tips
Supplementary dental insurance for children – when to take out?
It is important in all areas of supplementary dental insurance for children: You must take out additional dental insurance for your children early – before treatments are advised, planned or even started. Especially with orthodontic interventions, the dentist must not have diagnosed a misaligned tooth, otherwise it would no longer be possible for the child to take out additional dental insurance.
The best dental supplement insurance for families with children
These are the cash benefits
The statutory health insurers pay the costs in the so-called orthodontic indication groups (KIG) 3 to 5 for orthodontic treatments, while in the KIG 1 and 2 the insurers generally do not pay.
An overview of the orthodontic indication groups (KIG)
KIG 1
Slight tooth or jaw misalignments, which are usually treated for aesthetic reasons: The health insurance does not provide any benefits.
KIG 2
Tooth or jaw misalignments of minor extent, which should be corrected for medical reasons: The health insurance does not pay!
KIG 3
Pronounced misalignment of teeth or jaws, which should be treated for medical reasons: The health insurance company pays the costs of appropriate care.
KIG 4
Severely pronounced tooth or jaw misalignment, in which treatment is necessary for medical reasons: The health insurance provides for an appropriate basic care.
KIG 5
Extremely pronounced tooth or jaw misalignments with an unconditional need for treatment: the cash register provides for an appropriate care.
Orthodontics: How much do supplementary insurance pay for children?
Even if the health insurances in KIG 3 to 5 have to bear the costs, they only assume the expenses of an appropriate supply. The statutory health insurers do not reimburse private medical treatment. The parents therefore have to pay many additional costs themselves, including for:
- Internal braces (lingual technique)
- Invisible braces (Invisalign)
- Mini-bracket / speed brackets
- Plastic and ceramic brackets
- Colorless arches
- Fixed retainers
- functional analysis
Dental insurance also covers these additional costs for insured persons if the basic treatment in KIG 3 to 5 is paid by the health insurer.
The best dental supplements for children
In our last test, we also awarded the best dental insurance for children – an overview of the top 5 tariffs and the most powerful tariffs with a focus on orthodontic treatments can be found here:
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