Does supplementary dental insurance make sense for those with statutory health insurance? A financial expert explains it.

Does supplementary dental insurance make sense for those with statutory health insurance? A financial expert explains it.

According to a report by www.t-online.de, dental treatments are often associated with high costs. For this reason, the question arises as to whether additional dental insurance makes sense for those with statutory health insurance.
Yes, additional dental insurance can make sense for those with statutory health insurance. Statutory health insurance companies do not cover all treatment costs. In most cases, the health insurance companies cover 60 percent of the costs for so-called standard care. If you go for a check-up every year and keep a bonus booklet, the reimbursement rate will increase to up to 75 percent after ten years. Standard care includes services that make medical sense - but not necessarily those that would be desirable from an aesthetic perspective. For each dental problem, the health insurance companies have determined which type of treatment will be covered. If you want more, you have to pay more.

In addition, the costs for dental implants are on average between 1,200 and 1,500 euros. If several teeth have to be replaced, the whole thing becomes expensive fun. In this case, additional dental insurance will save you a lot of money. Basically: Whether additional dental insurance is worthwhile depends on your age and the condition of your teeth.

Additional dental insurance can also be worthwhile if you have healthy teeth. The insurance does not cover any costs for existing damage. But be careful: the earlier you take out additional insurance, the longer you will have to pay premiums for it in your life.

It is important that consumers choose insurance that suits them and their needs. Many supplementary dental insurance policies become more expensive the older you get. In addition, most supplementary dental insurance policies do not cover the entire dental bill. Between ten and 20 percent usually have to be added. The usual waiting period for most insurers is eight months until the first benefits are covered.

Overall, supplementary dental insurance is a useful supplement for those with statutory health insurance, especially given the high treatment costs that can arise in connection with dental problems. However, the decision for a specific insurance policy should be carefully considered and based on individual needs and financial possibilities.