For many people, a dental supplementary insurance becomes relevant, especially in advanced age. This expands the portion of costs covered by the insurance and thus reduces the share of out-of-pocket expenses. The dental supplementary insurance is particularly useful in cases of broken and missing teeth. In this type of dental damage, crowns, metal bridges, or more aesthetically pleasing ceramic plates are often used to restore the dentition and thus allow the smile to shine fully and beautifully again.
What does a dental supplementary insurance cost?
The prices of dental supplementary insurance vary from provider to provider. Finanztip.de has compared several providers and arrived at the lowest monthly amount of €22. However, it should be noted that most providers adjust the amounts according to the age of the insured. For example, with Huk ZZ Pro90, at the age of 37, one still pays a contribution of €22, while at 57 years old, one already pays €35. These rising prices are often mentioned in the contracts concluded and are therefore also legal. Of course, there are also insurances that do not have increasing contributions, but these are disproportionately expensive.
For whom is dental supplementary insurance suitable?
In principle, this question can only be answered by each individual for themselves. However, we can provide some tips that may make the decision easier. A dental supplementary insurance is particularly worthwhile for those who expect to have brittle or particularly poor teeth later on. It is important that the treating dentist has not yet made a corresponding diagnosis, as otherwise the benefits of the insurance will decrease. For young people, the premium is generally lower, but often the services covered by the insurance are not utilized at all. Therefore, it is worth waiting a bit.
We at OnlySmile recommend, especially at a young age, to set aside a small monthly contribution, for example, into a well-interest-bearing savings account. This way, any treatments that may arise can initially be covered by yourself. Later, you can also switch to an insurance plan. Pro tip: Automate the saving as a standing order right after you receive your salary. This way, you have no chance of accidentally spending the money and you also don't have to keep remembering it.
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Author: Johann (blogguru.de)