Those who are not prepared for the high costs often pay years for a necessary dental treatment. Dentists only do their job and do the best they can to preserve the dental health of patients. However, patients have to deal with the financial consequences of various dental treatments on their own. Many people refuse to go to a dentist in the first place because of the high costs for appropriate dental treatment. Nowadays it is very easy to take out additional dental insurance and thus save yourself from high costs. Even without waiting times, it is now possible to take out additional insurance in order to significantly reduce the patient’s own contribution to dental treatment. The statutory health insurance companies have significantly reduced their service tariff in recent years, especially in the field of dental treatment, so that now many interventions at the dentist have to be paid for out of pocket. Accordingly, it can be worthwhile to take out additional dental insurance in order to significantly reduce the personal contribution to be paid.
In the following we have put together a number of helpful tips for you when looking for a suitable supplementary dental insurance. It is now possible to make use of additional services at very short notice. Everything you need to know about taking out additional dental insurance can be found here.
Check different tariff offers for supplementary dental insurance in advance
Anyone who opts for private additional dental insurance in order to reduce the cost of their own contribution to a minimum is spoiled for choice. The insurer market now offers a large number of different tariff offers in order to keep the costs of dental treatment within a manageable financial framework. It is important for consumers to check in advance which tariffs are possible for upcoming dental treatments and which are not. In principle, consumers should make sure that services such as expensive dentures are also included in the tariff offer for supplementary dental insurance. On the other hand, tariffs that are too cheap often do not cover the entire own contribution. There are also some additional dental insurances that can be taken out without waiting times and health issues. Here, however, consumers should look twice to actually find additional insurance for dental treatments, which in the end actually covers the majority of the pending dentist costs. Which supplementary dental insurance is the right one always depends on your own dental health and personal situation. Here is an overview of the various tariff options for supplementary dental insurance:
Supplementary dental insurance without waiting
When there is an acute need for treatment and high costs for If various dental treatments are in the room, additional dental insurance without waiting times can be worthwhile. If you have acute problems and are dependent on coverage of your own contribution, you can do everything right with additional dental insurance without waiting times. But also dental insurance Tariffs without waiting As a rule, however, do not pay for damage known before the contract was concluded. If the insurer detects major dental damage, various treatments may be excluded from the insurance cover. In this case, the insurance company demands higher insurance contributions from the insured. Supplementary dental insurance without waiting times is still very rare on the market and should be carefully examined by consumers. Because supplementary insurance without waiting times is significantly more expensive, so it is essential that all benefits are carefully checked.
Tariff offers with waiting times and health issues
Typically, consumers have to wait up to eight months before taking out additional dental insurance. Because the insurance checks them current dental health of patients very precisely in order to set a corresponding contribution amount. Refunds from the supplementary dental insurance can only be claimed after the examination has been completed. The insurance company will ask the attending dentist exactly about the current state of dental health. If there are gaps in the documentation, these are not included in the insurance. For example, missing teeth have to be insured separately, which also increases the monthly premium.
Some services such as professional teeth cleaning can usually be used by insured persons immediately after signing the contract.
Supplementary dental insurance without health issues and waiting times
The demand for dental insurance without health issues and waiting times has increased significantly in recent years. With almost all tariff offers without health issues and waiting times, planned and already started treatment are excluded from insurance cover. In the first few months of the insurance period, consumers therefore have very limited insurance benefits available.
Supplementary dental insurance without a check by the dentist and waiting times is particularly recommended if there are various dental problems but no fixed treatment has yet been planned. Consumers should make sure that the coverage of the reimbursement is set at most insurers at a maximum of 500 euros in the first year. Higher cost that made through the personal contribution patients continue to undergo dental treatment. In this way, insurers rule out that expensive dental treatments are covered by appropriate insurance cover and the insured person then immediately makes use of the right of termination.
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