Dental hygiene is very important for keeping our teeth healthy. In order to prevent any dental problems, it is crucial to schedule an appointment with your dentist at least once a year, so you can have your teeth checked regularly.
However, visiting a dentist can be quite expensive, so it is recommended to have your insurance cover the expenses for you.
Basic health insurance
Compulsory basic insurance will cover your dental treatment costs for such conditions that impact your health, such as damages caused by serious infections and general medical conditions.
Dental hygiene treatments, orthodontic treatments, tooth extractions, fillings, and other dental-related costs are not covered by your basic insurance policy.
Supplementary health insurance
An additional insurance policy may provide dental benefits, although there are certain limitations. Insurers and policies differ, so it is essential to take everything into consideration when choosing an outpatient insurance policy.
Firstly, dental coverage is usually in correlation with your age – once you reach a certain age, your dental treatments are no longer covered. However, it is also possible to have a policy that does not place age restrictions on dental benefits.
In addition, your coverage will be limited to 25% of 50% of the costs in the majority of cases. The amount of coverage usually goes up to 1000 francs per year.
The orthodontic coverage is usually more generous, as it often covers as much as 80% of the orthodontic-related costs. A general rule is that the insurance covers orthodontic costs only for children and adolescents.
*Note: Since many insurers require you to hold a specific policy before having your dental expenses covered (this period is called qualification period and it may last between 6 and 24 months) it is highly advisable that you take out your policy early on.
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