How do I find the best supplementary dental insurance?
The insurance coverage is always suitable if it covers your needs and takes into account your current dental health and life situation. To find the best supplementary dental insurance for you, you should proceed step by step.
The best supplementary dental insurance - this is how you proceed
1. selection of the general benefit modules - dental prosthesis, dental treatment, prophylaxis, orthodontics
2. deciding on the level of benefits - percentage reimbursement rates
3. examination of the current dental condition - are there any current complaints or treatments?
4. definition of life stage - children, students, adults, seniors
5. defining a price range - how expensive can the premium be?
Why test winners are not automatically the most sensible dental tariffs
For example, do you only want coverage for the high costs of dental prostheses due to expensive implants, and do you have a complete record of bonuses?
Because there are tailored solutions for this wish that include exactly this benefit and are significantly cheaper. Compare the price-performance ratio. You can save over 70 percent by comparing dental insurance and tailoring it to your requirements.'
How to find the best supplementary dental insurance for your needs
Individual coverage needs: This is what your tariff should contain
You can see from this example that if you proceed correctly, you will not only find a sensible dental insurance plan for your needs, but you will also save a lot of money. We'll show you step-by-step how to go about finding the right coverage and compare the best dental plans.
What benefits should a sensible supplementary dental insurance include?
First, ask yourself what services you have used at the dentist in the past. Have you ever had a tooth replaced? If so, was it important for you to choose an aesthetic and high-quality treatment option? Do you have prophylactic measures such as professional teeth cleaning performed once or twice a year? Do you value high-quality plastic fillings or can it be amalgam?
Once you are clear on exactly what you want at the dentist, you can determine what the supplemental dental insurance that makes sense for you should cover. Most dental plans are based on these four components:
- Dental prosthesis (implants, crowns, bridges, dentures).
- Dental treatment (root canal or periodontal treatment)
- Dental prophylaxis (teeth cleaning, fissure sealing, etc.)
- Orthodontics (children and adults)
How high should the reimbursement of the supplementary dental insurance be?
The second issue is the benefit level. From doubling the fixed cost allowance to 100 percent cost coverage on almost all treatment measures by the dentist - that's how different the range of benefits provided by dental insurance can be. In principle, the higher the percentage reimbursement, the higher the insurance premium. Those who attach particular importance to prophylaxis should also note the annual maximum limits for tooth cleaning, fissure sealing and the like.
Current dental health: important criterion for sensible supplementary dental insurance
Knowledge of one's own current dental health is particularly important when selecting the right tariff. Each company and sometimes even the individual tariffs have different acceptance criteria. In the worst case, the best supplemental dental insurance may not be available to you because you already have two missing teeth and this is not accepted. In other cases, missing teeth result in a risk surcharge being added to the premium. The best dental insurance may then quickly no longer be the one that makes the most sense in terms of price.
Depending on your dental health, it is advisable to compare only those tariffs that can be taken out without any problems. If you have healthy teeth, you can choose freely from the entire tariff landscape, are you already in an ongoing dental prosthesis measure, the choice is most limited.
The best supplementary dental insurance for every phase of life
The current phase of life is equally important when choosing the right tariff.
The best dental insurance for children
For children, the focus is clearly on orthodontics.
However, in the area of orthodontics for children, they differ on one important point: the highest possible reimbursement in the respective KIG levels.
The classification in the jaw indication groups - KIG for short - determines the severity of the malocclusion. From KIG level 3, normal health insurance subsidizes the costs of orthodontic measures. In KIG 1-2 it does not pay.
The best dental insurance for students
Another option is to choose a plan that provides a discount especially for students and trainees. This is because it is very rare to find this. With the student and trainee discount, you can save a lot of money. The certificate of study or proof of training is valid as proof.
The best dental insurance for seniors
Although there are special rates for seniors, these are only a reduced version of a sensible coverage at a somewhat reduced premium. For seniors, therefore, the current state of your teeth is especially important. If the teeth are in order, you should follow our rate recommendations depending on your coverage needs.
However, if the teeth are not in order or if you are even already a full denture wearer, we recommend selected rates without a health check.
Price as a decisive criterion for supplementary dental insurance?
The price or the price-performance ratio is one of the most important decision criteria when it comes to finding the best individual supplementary dental insurance. The high-end plans cost a lot of money and are no bargain at often over $50 premium per month. However, a plan with a low premium but only doubling the standard benefit for dentures may not be advisable either, as it only covers a fraction of the dental bill. If you buy cheap, you buy twice: This principle also applies to supplementary dental insurance.
When considering the premium, another factor plays a role: Do you want stable premiums in old age? Or asked the other way around: Do you want to keep the supplementary dental insurance in the long term? A key difference in supplemental dental insurance is the premium trend in old age. There are tariffs that increase regularly when certain age limits are reached and tariffs that do not. These tariffs are called insurance with age provision.
The best supplementary dental insurance with age provision
At a young age, these insurances are often somewhat more expensive than tariffs with the same benefits but without age provisions. On the other hand, there are no scheduled premium increases. In the course of time and over the entire insurance period, lower insurance premiums are therefore usually incurred.
Further decision-making criteria in selecting a sensible tariff
In addition to the factors already mentioned, there are other criteria that can play a role in the selection of the best individual dental insurance.
For example, the time factor. At the beginning of the contract period, many companies have a waiting period before benefits can be claimed. In addition, there are maximum limits for tariff-based benefits in the first few years. Both the waiting period and the maximum limits vary in length and amount depending on the tariff. So you should ask yourself when you can/want to claim benefits from the insurance for the first time and whether a high sum limit during the first years is acceptable for you. If you already know that you might need treatment in the near future, tariffs with a high sum limit and no waiting period make sense.
Important: At the time of the conclusion of the contract the treatment must NOT be advised or intended! Otherwise there are no benefits by the insurance
In addition to the time, it can also be important whether the treatment is permitted abroad or whether special pain therapy measures such as acupuncture or hypnosis are included in the insurance conditions. There is a wide range of special benefits for modern treatment methods. Those who attach particular importance to such benefits will find them in the rate details in our insurance comparison. We will also be happy to find the best supplementary dental insurance for you in a personal consultation.
Switching your supplementary dental insurance to another tariff
Do you already have supplementary dental insurance and are considering switching to another plan? Then two things are particularly important: premium calculation and maximum limits. If you currently have a contract with the formation of age reserves, you will benefit from relatively stable premiums later on. If you change tariffs now, these reserves will be lost and you may have to pay higher premiums later. We therefore normally only advise you to change your supplementary dental insurance if you currently have a tariff WITHOUT age reserves.
When switching, you must also note that all new tariffs again have new maximum limits during the first years. This means that you will again have to wait three, four or five years before you can claim unlimited benefits under the tariff. A few plans offer a (conditional) credit for prior insurance.
Conclusion: the most sensible and best supplementary dental insurance
Test winners are not always the best solution for individual coverage needs. They provide a rough guide and an initial overview. The detailed adjustment to the individual needs is also important. Only then can a good dental plan become the most sensible and best supplementary dental insurance for you personally.