Child Dental Insurance: Find the best dental insurance
Supplementary dental insurance for children offers two main advantages: It offers financial protection because the costs of treatment in orthodontics can quickly be between 2,500 and 6,000 euros. The second aspect is our children’s dental health and beauty. Dental supplementary insurance for children is an investment in the future, because your child will have something of healthy and beautiful teeth for a lifetime! You will find different tariffs with us, so that you will find the best supplementary insurance for your child that optimally covers your requirements.
Supplementary dental insurance for orthodontics: which is the best. Top tariffs I test & comparison
In order to find the best dental insurance for orthodontics, the tariff detail pages of the individual dental insurance must be analyzed. There, among other things, the orthodontic product feature is presented in detail and the covered benefits of the respective additional dentist insurance are analyzed and discussed on the basis of the tariff conditions on which they are based. By setting your date of birth and then clicking the "Compare" button, you will get to the overview page of our comparison.
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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.
If you are looking for family insurance for treatments at the dentist, you will quickly find that there are no special offers for it. The reason for this is: for private health insurance, each insured person poses their own risk and the contribution is always calculated per person. In contrast to the statutory health insurance, there is unfortunately no free co-insurance for children or partners with dental supplementary insurance.
This is even an advantage for you, because the differences in the necessary treatments in adults and children are very large. Personal dental insurance ensures that everyone only pays for the services they use. For example, in children, orthodontic treatments can leave large holes in the mothers and fathers’ household budgets. In contrast, in adults, this type of care is very rarely necessary. For the parents, tooth-preserving measures are primarily necessary, such as services for professional tooth cleaning, dental treatment and high-quality dentures. Since there are only a few dental insurance policies that offer excellent benefits for both children and adults, we recommend that you split the search.
Supplementary dental insurance for missing teeth: tariffs in comparison & test
Loss of a tooth is not uncommon even in younger years. Teeth are often lost due to tooth decay, tooth root inflammation, accidents or gum disease. However, a missing tooth can become an obstacle when looking for private dental insurance, because some insurers sometimes ask for missing teeth in the insurance application and may refuse prospective customers or at least exclude the affected teeth from the benefit. Nevertheless, additional dental insurance can also be taken out for existing tooth gaps. More and more tariffs provide for the possibility of co-insurance for missing teeth that have not yet been replaced. However, there are a few points to consider when taking out dental insurance for missing teeth.
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.
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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.
Not only adults, but also children should go to the dentist regularly – as a precautionary measure or because there is a need for dental or orthodontic treatment. Professional tooth cleaning, caries fillings, fissure sealing and above all the correction of misaligned teeth are the usual treatments that are used by children. The respective measure is not only uncomfortable for most children, but also involves a considerable financial outlay for the parents. Because not in all cases the respective costs are borne by the statutory health insurance and if they do, then mostly only for the cheapest dental care. A special child dental insurance is a private supplementary dental insurance tailored to the needs of the child and is usually quite cheap compared to adult tariffs.
Supplementary dental insurance for dentures: Top 10 tariffs I test & comparison
Dentures can be used as dentures if so many teeth have already been lost that the tooth gap is difficult to close due to fixed dentures. A denture can either replace all teeth of a jaw (full denture) or just parts of a row of teeth (partial denture). Often the comparatively low cost is the main reason for choosing a denture. But the easy care and the high flexibility speak for this form of dentures. Nevertheless, the option of fixed dentures, such as bridges or implants, should be considered as an alternative. They promise better hold, greater comfort and a longer durability. Regardless of which form of denture you choose, high costs can arise, which are only subsidized by the health insurance company to a small extent. Private dental insurance, on the other hand, largely covers the cost of a denture or other dental prosthesis.
Supplementary dental insurance including glasses and visual aids: tariffs in comparison & test
About every second person in Germany needs glasses or other visual aids. Although the production of glasses often costs a few hundred euros, glasses and visual aids, such as contact lenses, are not covered by the statutory health insurance.
In order to reduce these regularly incurred costs, it may therefore make sense to choose a tariff when taking out dental insurance, which also includes glasses and visual aids.
Table of Contents
Dental insurance that also covers glasses and visual aids – top 5 tariffs
The following table shows the top 5 tariffs which, in addition to services for dentures, dental treatment and prophylaxis / tooth cleaning, also provide benefits for the purchase of glasses / visual aids or their repair. In addition to the reimbursement amount for glasses and visual aids, the individual columns also provide an overview of the otherwise secured service level of the individual tariffs. The von value represents the reimbursement rate for the dental prosthesis service area and the to value represents the reimbursement rate for the dental treatment service area. The benefits for glasses and visual aids are reimbursed by all tariffs with the 100 percent reimbursement rate within the specified maximum amounts. The differentiation between the insurance year and the calendar year is also crucial. For example, an insured person with the R + V Premium Plus + ZV tariff, whose contract begins with the start of the contract in December, can exhaust 400 euros for this area within 13 months, whereas an insured person with a Württemberg tariff can look at this "insurance year", does not enjoy this advantage. The monthly contributions shown relate to a person to be insured for 30 years.
Dental supplementary insurance for root canal treatment: Top 10 tariffs in comparison & test
Caries and invading bacteria can ignite the tooth pulp of a tooth. Then root canal treatment is often necessary. Otherwise there is a risk of severe pain and even loss of the tooth. It is a very complex and expensive dental treatment. However, the costs of a root canal treatment are only covered by the health insurance under certain circumstances. In difficult cases, the health insurance usually only pays when the root canal treatment is necessary to save a previously closed row of teeth or an intact denture. In addition, the full costs are not always borne by the health insurance. Since the cost of a root canal treatment can well amount to over 1000 euros, a private dental supplementary insurance is helpful for the financing.
