Dentures and Implants Who actually needs additional dental insurance?
Although the number of private dental insurance has risen sharply in recent years, not all patients benefit equally from such policies. Consumer advocates advise you to take out these insurance policies if you are healthy. The price is usually determined by the performance.
Regular checks are also financially worthwhile
The annual check-up at the dentist is not only useful for health reasons, but also from financial. If patients can prove these annual visits in their bonus booklet, the subsidy they receive from their health insurance for possible crowns, bridges or prostheses increases. Implants are normally not included in the benefits catalog of the statutory health insurance. Experts therefore recommend asking the dentist specifically for alternatives.
Dentures are expensive
No matter whether crown, bridge, prosthesis or implant: Dentures with or without subsidy are usually an expensive affair. "An additional dental insurance can make sense here," said Peter Grieble of the consumer center Baden-Württemberg in a message from the news agency dpa. "However, all existential risks should be covered beforehand." For the insurance expert, a dental supplement policy is not one of the urgently needed policies.
Conclusion with healthy teeth
Very important: "The dental insurance should be completed better, if you are healthy," said Grieble. Normally, insurers do not pay for any problems that exist when the contract is concluded. In case of doubt, customers should inform the insurance company when the contract is concluded. If it later turns out that the insured has given false information, the insurer can in the worst case withdraw from the contract.
Maximum limits for reimbursement
It is also important to know that there are upper limits for reimbursement in the first few years after conclusion of the contract. "Some offers only increase the standard care and do not necessarily refer to the total cost," said Bastian Landorff, health insurance expert of the Consumer Center Bavaria, in a statement. "For higher-quality dentures, therefore, may be a high own contribution to pay." In general, the contribution for a dental insurance based on age, scope of service and state of health.
Price also depends on performance
If you do not want to put a lot of value on expensive dentures, but only insure the own share of the standard supply, you do not necessarily have to pay much. According to Stiftung Warentest, there are good rates starting at just seven euros per month. "The more services the tariff brings, the more expensive it will be," says Grieble. (Ad)