A dental insurance is a supplementary insurance that covers dental expenses which are not fully reimbursed by the health fund.
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Dental care insurance
Dental care can involve a significant expense. Treatments such as crowns, implants, orthodontics, or extensive dental procedures are often only partially reimbursed by the health insurance fund. As a result, dental costs can quickly add up.
A dental insurance policy covers a significant portion of these costs. This supplementary insurance offers reimbursement for various dental treatments and helps make unexpected or high dental expenses more manageable.
Van Dessel helps you choose a dental insurance policy that suits your needs and the desired coverage.
What is dental care insurance?
A dental care insurance is an additional medical insurance that covers the costs of dental treatments that are not fully reimbursed by the health insurance fund.
Depending on the chosen plan, the insurance can provide coverage for various types of dental care, such as:
- Preventive dental care
- Basic treatments at the dentist
- Major dental procedures
- Orthodontic treatments
This way, the insurance offers extra financial protection for both routine check-ups and complex dental treatments.
What are the benefits?
Covers dental treatments that are only partially reimbursed by the health insurance fund.
Covers costs for extensive dental care, such as crowns, implants, or orthodontics.
Covers preventive dental care, making regular check-ups financially accessible.
Covers unexpected dental expenses, so major treatments have less financial impact.
Who is this insurance for?
A dental insurance policy is beneficial for anyone who wants to protect themselves against high dental costs.
This insurance is often taken out by:
- Individuals who want extra security for dental treatments
- Organizations that want to offer additional medical benefits
- Families who expect to need orthodontics or extensive dental care
- People who want to expand their medical insurance package
The plan can be tailored to the desired coverage and the available budget.
What is covered and what is not?
What is covered?
- Preventive dental care, such as check-ups and professional cleanings
- Basic dental treatments
- Dental prostheses and crowns
- Dental implants and other specialised treatments
- Orthodontic treatment (depending on the policy)
What is not covered?
- Cosmetic dental treatments without a medical necessity
- Treatments not recognised by the statutory health insurance system
- Costs incurred during any waiting period applicable to a new policy
- Treatments that fall outside the policy terms and conditions
How much does this insurance cost
The premium of a dental insurance policy is determined by several factors, such as:
- The age of the insured
- The chosen coverage and reimbursement limits
- The type of treatments covered
- Any waiting periods or deductibles
Because dental care insurance policies can vary greatly in coverage and reimbursement rates, the premium is often adjusted to the chosen plan.
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