SUPPLEMENTARY DENTAL INSURANCE - AN INVESTMENT FOR YOUR TEETH
The extensive field of supplementary dental insurance includes a wide range of options in terms of insurance premiums, quality, and scope. The Dental Specialists will provide you with all the information you need.
What are the benefits of supplementary dental insurance?
The principle of supplementary dental insurance is to eliminate expensive co-payments resulting from low subsidies from health insurance companies. This is the case with statutory health insurance benefits, where typically just over half of the standard care, usually the least expensive treatment, is subsidised. According to the definition, these benefits must be "sufficient," "necessary," "economical," and "appropriate." Those who place a high value on aesthetics may sometimes need to spend a bit more.
Supplementary dental insurance: What should the cost of a good tariff be, and what does it include?
Good insurance policies start at around 9 euros per month. Rates for children, for example, start from just 5 euros. Patients benefit from the reserve for dental emergencies, eliminating the risk of unexpectedly having to cover excessive costs on their own. Higher-priced tariffs generally offer the advantage of a broader range of services. This means that dental treatment can also be covered in addition to the cost of dental prostheses. Especially for dental prosthesis treatments, such as the placement of lifelike implants or discreet fillings, four-figure sums are not uncommon. Coverage now increasingly includes dental treatments such as prophylaxis, which often encompasses costly professional tooth cleaning. If you have supplementary dental insurance that covers professional tooth cleaning, you can take advantage of the offer "free of charge" up to twice a year. The contribution for the remaining services therefore remains very low.
Where is the best place to get information?
When selecting your tariff, it's important to take ample time to avoid any unwelcome surprises. It is advisable to always submit a cost plan provided by your practice to your insurance company and confirm whether the costs will be covered. Sometimes it is advisable to switch to a higher tariff in order to have the required benefits covered. It is crucial to keep your needs in mind. If you need individual advice on reimbursement benefits, we, the Dental Specialists team will be happy to assist you!
Alternatively, you can visit the website of the German Dental Insurance Service, an independent comparison portal that offers additional information on supplementary dental insurance.
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