Dental insurance: Popular insurance with tripping hazards

Hardly any insurance has gained so much in popularity in recent years as the dental insurance. Thus, the number of concluded contracts has more or less doubled in the past decade. But are the monthly dental insurance payments really worthwhile? And what should anyone interested in a degree in any case note?

The number of supplementary dental insurance continues to increase. After more and more people have completed a supplementary health insurance for dentist costs in recent years, at the end of October 2016 it reached almost twice as many persons with 15.3 million completed policies as in 2005. In the past year alone , 400,000 contracts were concluded . This is reported by newspapers of the Funke Mediengruppe, citing information from private health insurance. However, the completion of a dental insurance for cash patients is not always worthwhile.

Why does dental supplemental insurance have such a success?

Since the 1990s at the latest, the benefit cuts in the statutory health insurance do not stop at the dentist. Since 2005, only a so-called health-related fixed subsidy has been paid for dentures. But even for complex dental treatments such as root canal treatment, some of the patient’s own work is required. From the former niche product dental insurance could be a success in this way, after all, many insured do not want to settle for the often horrendous costs .

Is the completion of a dental insurance really worth it?

The additional dental insurance protects the insured against the cost risk of dental services and dentures . However, this also means that the insurance is most likely to pay off if the consumer actually benefits, such as an implant or a bridge needed due to tooth loss. If, on the other hand, the teeth are permanently in good health, the insured does not receive benefits.

However, if it comes to a complicated treatment or dentures, the dental insurance is really worthwhile. However, the insured benefits are important. Unfortunately, the countless offers available on the market are very different in terms of their scope of services. Many tariffs pay for dentures, but do not cover treatments or prophylactic measures. In addition, most insurers make a percentage of the costs. If this is only 20 percent and not 80 or 100 percent after deduction of cash benefits, the insured person still has to pay the majority of the dental bill himself . Anyone wishing to take out additional dental insurance should therefore deal with the benefits in more detail in advance. That the effort is worth it, shows an example from the dental supplement insurance test of the Stiftung Warentest (Finanztest 11/2016).

Implant with veneered metal-ceramic crown, including bone structure

  • Total cost: 3,580 euros
  • Cash contribution: 429 euros
  • Own contribution: 3.151 Euro

Depending on the agreed contractual services, supplementary insurance costs in this case between 0 and 3,151 euros .

Dental insurance in the test: Which tariff is the best?

Again and again test institutes such as Stiftung Warentest Zahnzusatzinsurance, as the market is difficult to understand for laymen . In addition to the different benefits, for example, you must note that the contributions are calculated in two different ways . In one case, they remain stable over time, in the other, the costs are significantly lower at the beginning, but the stable policies over time more and more. So that the tariffs can still be compared, the testers of Stiftung Warentest have calculated the costs for the entire insurance period. Together with the performance results, this results in a very good rating for 66 out of more than 200 dental supplement rates.