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Especially when it comes to the health of our children, we want to ensure that they receive the best possible dental care. But supplementary dental insurance can benefit adults too. In this article, we’ll tell you when supplementary dental insurance is recommended and what you should look out for when getting it.
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Supplementary dental insurance is an additional health insurance specifically for dental care. It covers a wide range of services – from simple check-ups to complex procedures such as braces or prostheses. Everyone can take out supplementary dental insurance. It offers financial support for necessary dental treatment that is often not or only partially covered by regular health insurance.
Supplementary dental insurance can be an ideal addition to the basic health insurance for both children and adults.
It is particularly important for parents to think about supplementary dental insurance for their children early on. Routine check-ups, orthodontic procedures, and other specialised treatments can add up in costs pretty fast. Supplementary dental insurance helps to cover these costs and ensures the best possible dental care for children.
Adults, especially those with special needs such as implants, other dental prostheses or periodontal treatment, can also benefit considerably from supplementary dental insurance. Supplementary dental insurance is particularly useful if the patient has already undergone frequent treatment. If the patient already has a considerable amount of fillings, crowns and root canal-treated teeth, there is a high probability that further procedures will follow. When deciding on supplementary dental insurance, it's crucial to carefully do your research, weighing up the pros and cons.
A supplementary dental insurance should always be chosen by considering your individual needs and budget that offers both financial security and suitable benefits.
The monthly premiums for supplementary dental insurance vary depending on age and needs.
Basic supplementary dental insurance for children can start from CHF 5 to CHF 20 per month. More comprehensive supplementary dental insurance, which also covers special treatments such as orthodontics, can cost between CHF 30 and CHF 50 per month depending on the extent of coverage.
Basic supplementary dental insurance for adults, which covers simple dental procedures and check-ups, usually costs between CHF 20 and CHF 40 per month. More comprehensive supplementary dental insurance can range from CHF 40 to CHF 250 per month, depending on the extent of coverage.
These are guidelines and average values. Depending on the insurance provider, region and individual needs, these costs can vary greatly. It is important to compare the various offers and choose the policy that best suits your financial possibilities and needs.
For all customers with a supplementary insurance at KPT – one of the 10 largest Swiss health insurers – bestsmile offers an exclusive discount.
And this applies not only to supplementary dental insurance, but to any. Find out more about the benefits of supplementary insurance at KPT here.
If you have supplementary insurance specifically for dental treatment, KPT will also cover the costs of your treatment according to the benefit category.
With over 600,000 insured people, KPT is one of the largest Swiss health insurance companies. It provides access to the highest level of healthcare in Switzerland and abroad in the event of illness, accident and maternity – and at low premiums.
Supplementary dental insurance covers various services, including:
It is important to choose an insurance policy that covers your specific needs.
It is important to note that the exact amount the insurer covers may vary depending on the insurance provider and the policy selected. It is therefore recommended to check the insurance conditions carefully and contact the respective insurance companies directly.
Basic health insurance only covers the costs of dental treatment in the following situations:
This is why your basic insurance only reimburses dental treatment in extreme cases.
As a general rule, it is ideal to take out supplementary dental insurance for children between the ages of 3 and 5.
Here are some reasons why you should take out supplementary dental insurance at an early stage:
Although there is no set time when it is too late to take out supplementary dental insurance, there are a few factors to consider:
It is therefore advisable to take out supplementary dental insurance at an early stage in order to benefit from comprehensive services at lower costs. Even as an adult, exploring insurance options makes sense to mitigate future costs for dental treatments.
Choosing the right insurance policy can be a challenge. But carefully analysing your individual needs and the various providers can help you choose the right supplementary dental insurance. The following 4 aspects should be taken into consideration:
The moment in which the supplementary dental insurance starts to pay for the services depends on the contract and the health insurance you choose. Furthermore, this can also depend on various other factors.
In most cases, it is necessary to wait for a certain period of time after the contract has been concluded before the insurance pays for treatment. As a general rule, for check-ups there are generally no waiting times or they are very short. For more complex interventions, there may be waiting times of several months due to clarifications.
In many cases, supplementary dental insurances offer immediate cover in the case of an accident. This means that if an insured family member suffers dental injuries as a result of an accident, the insurance will pay for the necessary treatment immediately, regardless of any waiting periods for other services.
If you are employed and work more than 8 hours per week, dental accidents are covered by the employer's accident insurance. This means that if you are employed and work more than 8 hours per week, accidents outside of your working hours are also covered. However, as the name suggests, accident insurance only covers accidents, i.e. unexpected damage caused by external factors.
Pre-existing dental problems that existed before the insurance was taken out could be considered as pre-existing conditions by the health insurer. In such cases, specific treatments for these conditions may be excluded or require waiting times.
It is crucial to read and understand the insurance conditions carefully, especially with regard to waiting periods. For more detailed information, it is best to contact your insurance company directly.
It can be beneficial to combine supplementary dental insurance with general supplementary insurance. If both supplementary insurances, the one specifically for teeth and the general one, cover 50% of the costs, you may have full cost coverage if you take out both.