When does treatment begin??
Better safe than sorry. Insurance should be taken out if the damage has not yet occurred. If you only sign a policy when your house has already burned down, you cannot count on payments. The insurer only pays for damage that occurred after the contract was concluded. This principle guarantees survival for economically oriented companies. Dental insurance is also not exempt. Only after the insurance cover comes into force can the consumer receive benefits for dental treatment.
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Treatment only begins after the waiting period
Many people start thinking about taking out dental insurance when it’s too late. Teeth and tooth retention apparatus are sometimes seriously damaged at this point. The treatment costs skyrocket. Most insurance companies only pay for treatments that are started after the contract is signed. A distinction is made between the "technical start of insurance" and the "material start of insurance". The technical start of insurance is the date on which the contract enters into force, but the insured person is not yet entitled to the entire range of services. Only after a waiting period stipulated in the tariff does full insurance coverage begin and the company pays for any damage incurred. The waiting time is 0 to 8 months depending on the policy [1].