When does supplementary dental insurance make sense? In short, if there are treatments coming up in the near future. Supplementary dental in...
When does supplementary dental insurance make sense? In short, if there are treatments coming up in the near future. Supplementary dental insurance is worthwhile for anyone who needs to replace their fillings or replace an inlay. It should only be noted that the insurance will be more expensive in the case of existing or foreseeable dental problems.
Dental insurance is almost always worthwhile
Supplementary dental insurance is used to obtain expensive and modern treatments. With the right tariff, appropriate treatments can be implemented cheaply or even at no cost. The insurer bears the costs, while the insured person pays a monthly amount in return.
Whether supplementary dental insurance makes sense depends on many different factors. Are the teeth healthy? What are the expectations of your smile? Which tariffs are available in your age group? All of these points play a role. Then you can choose the right tariff, with which the supplementary dental insurance can be realized cheaply.
The benefits of supplementary dental insurance
The biggest advantage of supplementary dental insurance is obvious: expensive dental treatment is covered by the insurer. You'll always have a white smile without worrying about exorbitant dental bills.
The insurance covers not only essential treatments but also professional teeth cleaning and other extras. Depending on the tariff, professional tooth cleaning can even be used twice a year. At the same time, extremely expensive treatments such as dentures or implants are also covered by insurance.
The type of supplementary dental insurance is crucial
The type of supplementary dental insurance has a significant influence on whether such a policy makes sense at all. It is crucial that the insurer covers a large part of the costs. This also applies to additional treatments that may be pending later. A policy that only covers the excess of standard care is usually less useful. Consultation with the insurer provides information about the options and makes it easier to take out suitable insurance that consumers will be satisfied with within the long term.
Incidentally, even experts are of the opinion that supplementary dental insurance makes sense these days. With the right policy, damage to the teeth can be avoided from the outset. If there is a problem with the teeth, for example, tooth decay or a root infection, the insurer will step in.
The most important points summarized:
Supplemental dental insurance covers a large part, but usually not all of the costs 100 percent.
The benefits can usually only be claimed some time (between three to five years) after the policy has been taken out.
Damages that already exist when the contract is concluded are generally not covered by the insurer.
Supplemental dental insurance is almost always worthwhile for dental implants or other major interventions.
It is advisable to take out supplementary dental insurance between the ages of 30 and 40 if the teeth are still healthy. The longer you wait, the more expensive the insurance will be.
Supplemental dental insurance: when it's not worth it
Inappropriate tariff: Sometimes supplementary dental insurance is not absolutely necessary or sensible. A tariff that is overpriced or does not include the desired services makes little sense, for example. Instead, those who inform themselves in advance and use tools such as a tariff calculator will find the right policy.
Existing tooth or dentition problems: If you already have dental problems, taking out insurance is no longer of much use. The supplementary dental insurance does not cover the costs in full or at all. It is important to take out insurance as early as possible before problems arise.
Supplemental dental insurance is not worthwhile if the required services are already included in an existing insurance policy. Anyone who can already use appropriate protection through private health insurance usually does not need additional dental insurance.
Insurance refuses: In the end, of course, it can also happen that the insurer cannot offer you a contract. This is the case if your teeth are in a very bad condition or there are other health problems that make it impossible to take out insurance. The policy should be taken out with healthy teeth and when no treatment is currently active. Because many insurers offer a policy in any case - but then at considerable additional costs.
You have to pay attention to this when taking out supplementary dental insurance
Denture repairs are the most important. These include, for example, ceramic prosthetics and implants. These are the services that can be very expensive at the dentist. Even a single implant can cost up to 3,000 euros - an extensive denture renovation sometimes costs you a small car.
Dental treatment services and prophylaxis should of course also be included. This includes, for example, professional teeth cleaning or changing implants. If you want to make use of these services once or twice a year, the additional dental insurance should step in and ideally cover the costs completely.
Tip: Tariffs where the service information includes “including GKV” means for you: The insurer pays the difference. Here the insurer should cover at least 80 percent of the costs so that it is really worthwhile.
There is a large selection of available insurance policies and the tariffs are particularly varied. It is therefore advisable to seek personal advice before concluding a contract. The responsible advice centers of the consumer advice center provide an overview of the possibilities.
Anyone who observes these points will find out whether supplementary dental insurance makes sense at all and, if so, which policy is best suited.
Do you think supplementary dental insurance makes sense? This is to be done now
If you have come to the conclusion that supplementary dental insurance makes sense for you, you can take out the tariff with all German insurers with the corresponding offer. First of all, it is advisable to take advantage of supplementary dental insurance comparisons. This compares the different tariffs and provides information about the advantages and disadvantages of the individual offers. In the end, you will find the perfect tariff for your needs. Finally, it is important to contact the insurer of your choice. Then nothing stands in the way of taking out supplementary dental insurance.
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