When is supplementary dental insurance worthwhile?
Imagine you are sitting at your dentist's and receive the bill. The amount is higher than expected and suddenly the question arises: Should I have taken out supplementary dental insurance? Such considerations are not uncommon, especially when it comes to expensive dental treatments such as implants or comprehensive orthodontic care. The importance of supplementary dental insurance is often underestimated until the financial pressure is felt. At Smile & Smile, our dental practice in Charlottenburg , we often hear from patients who wonder whether insurance makes sense for them.
The most important facts in brief
Supplementary dental insurance can partially or fully cover high treatment costs, such as for implants and orthodontics.
It is particularly worth taking out insurance if high dental treatment costs are to be expected.
A cost comparison shows that insurance can reduce financial burdens in the long term.
A careful examination of your own state of health and future needs is essential before taking out a policy.
When is it worth taking out supplementary dental insurance?
Supplementary dental insurance offers financial protection against the high costs that can arise from dental treatment. It is particularly valuable in situations where extensive procedures are required. Insurance is particularly useful for complex treatments such as implants, which can cost up to several thousand euros depending on the scope. Supplementary insurance can also be useful for orthodontic measures, such as braces, which are often not fully covered by statutory health insurance.Â
Supplementary dental insurance is often worth considering for senior citizens who may have to deal with dental problems. Families with children also benefit from cover, especially if orthodontic treatment such as braces is necessary. For young adults who are reliant on complete cover after their education for financial reasons, such insurance can save costs in the long term.
Cost comparison
A clear look at the figures can help with the decision. Below is a tabular cost comparison:
|
Treatment |
Costs without insurance |
Costs with insurance |
|---|---|---|
|
Dental implants (per tooth) |
2.000 €-3.500 € |
500 €-1.000 € |
|
Orthodontics (braces) |
1.500 €-4.000 € |
800 €-2.000 € |
|
High-quality dentures (crown) |
700 €-1.200 € |
300 €-600 € |
This overview shows how significantly supplementary dental insurance can reduce the financial burden. The insurance benefit varies depending on the selected tariff and the individual contract conditions. Remember: Taking out insurance early on can minimize expenses in the long term and offers security in the event of unexpected treatment. It should be emphasized that there are some insurance tariffs that may even cover all treatment costs.
Checklist for decision-making
Before you decide to take out a policy, you should make a few important considerations:
Current state of health: What is the current state of your teeth? Are there any foreseeable treatments?
Dental history: How often have you needed dental treatment in the past?
Financial possibilities: What is your personal budget for dental expenses?
Future needs: Are you planning major treatments, such as implants or orthodontic therapy?
These points will help you to get a clearer picture of when supplementary dental insurance makes sense. It is advisable to compare different tariffs and check which benefits are included.
Conclusion
Supplementary dental insurance can be a valuable addition in the right circumstances. Such cover is particularly worthwhile for patients with complex dental needs or a high justified cost risk. However, it is crucial to ask the right questions and carefully examine the offers in order to make the best decision for your health and finances. In our practice in Charlottenburg, at the Berlin Smile Dental Centerwe are always available for a personal consultation.