Overview of insurance products

Optional supplementary insurance

DENTAplus dental insurance

DENTAplus supplementary dental insurance covers you and your child against high dentists' costs, for example in jaw and tooth misalignments (dental braces). You get contributions towards dental check-ups, root treatments, tooth fillings in the event of cavities, dental hygiene and for the extraction of wisdom teeth. DENTAplus also covers some of your costs for crowns and bridges and also follow-up treatments by your dentist – not only in Switzerland but also abroad.

Contributions towards the costs of dental treatments, braces, check-ups and dental hygiene – including abroad.

Insurance benefits

The following insurance benefits in addition to those provided under statutory basic insurance are provided by DENTAplus dental insurance:

Dental treatment Various options

You can claim all insured benefits after the expiry of a 6-month waiting period.

If you undergo treatment abroad, you can claim the actual costs up to the amount which the treatment would have cost in Switzerland. Treatment in Switzerland is subject to the scale of fees published by the Swiss Association of Dentists (SSO)

Depending on which option you select, you receive the costs of dental treatment, dental hygiene and check-ups by the dentist, orthodontics (dental braces) and oral surgery up to the following amounts:

  • Light option: You receive 75% of the costs up to CHF 300 per calendar year.
  • Bronze option: You receive 50% of the costs up to CHF 1,000 per calendar year.
  • Silver option: You receive 75% of the costs up to CHF 2,000 per calendar year.
  • Gold option: You receive 75% of the costs up to CHF 3,000 per calendar year.
  • Combi option: You receive 50% of the costs up to CHF 1,000 per calendar year, provided that the dental expenses are less than CHF 2,000. If the expenses exceed CHF 2,000, you receive 80% of the excess.

You are not entitled to any contribution towards dental products such as toothbrushes, toothpaste or dental floss, or for cosmetic treatment such as bleaching and tooth jewellery.

Our contribution will be reduced by any contribution to costs that you have received from school or youth dental care programmes in Switzerland.

Further information

What does basic insurance cover?

It covers only the costs of treatment after accidents to teeth, provided that no other insurance (your employer's accident insurance, for example) does so. Patients themselves have to pay for all other treatments provided by dentists, with the exception of a few, and in any case very rare, cases.

Details about basic insurance >

Dental hygiene Various options

You can claim all insured benefits at the end of a 6-month waiting period.

If you undergo treatment abroad, you can claim the actual costs up to the amount that the same treatment would have cost in Switzerland. Treatment in Switzerland is subject to the scale of fees published by the Swiss Association of Dentists (SSO)

Depending on which option you select, you can claim the costs of dental hygiene and check-ups by the dentist up to the following amounts:

  • Light option: You can claim 75% of the costs up to CHF 300 per calendar year.
  • Bronze option: You can claim 50% of the costs up to CHF 1,000 per calendar year.
  • Silver option: You can claim 75% of the costs up to CHF 2,000 per calendar year.
  • Gold option: You can claim 75% of the costs up to CHF 3,000 per calendar year.
  • Combi option: You receive 50% of the costs up to CHF 1,000 per calendar year, provided that the dental expenses are less than CHF 2,000. If the expenses exceed CHF 2,000, you receive 80% of the excess

Consumables such as tooth brushes, tooth paste or dental floss are not covered.

Further information

What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay for their dental hygiene and check-ups carried out by their dentist.

Details about basic insurance >

Treatment of tooth misalignment Various options

You can claim all insured benefits after the expiry of a 6-month waiting period.

If you undergo treatment abroad, you can claim the actual costs up to the amount which the treatment would have cost in Switzerland. Treatment in Switzerland is subject to the scale of fees published by the Swiss Association of Dentists (SSO)

Depending on which option you select, you receive the costs of dental treatment, dental hygiene and check-ups by the dentist, orthodontics (dental braces) and oral surgery up to the following amounts:

  • Light option: You receive 75% of the costs up to CHF 300 per calendar year.
  • Bronze option: You receive 50% of the costs up to CHF 1,000 per calendar year.
  • Silver option: You receive 75% of the costs up to CHF 2,000 per calendar year.
  • Gold option: You receive 75% of the costs up to CHF 3,000 per calendar year.
  • Combi option: You receive 50% of the costs up to CHF 1,000 per calendar year, provided that the dental expenses are less than CHF 2,000. If the expenses exceed CHF 2,000, you receive 80% of the excess.

You are not entitled to any contribution towards dental products such as toothbrushes, toothpaste or dental floss.

Our contribution will be reduced by any contribution to costs that you have received from school or youth dental care programmes in Switzerland.

If the benefits you receive under TOP or COMPLETA supplementary insurance for the fitting of braces to correct misaligned teeth are not enough to cover the entire cost, you receive 25% of the uncovered part of the cost, up to the maximum of the chosen option.

What does basic insurance cover?

Costs are not covered by basic insurance. Patients themselves have to pay for corrections to jaw and tooth misalignments – which means braces, which are expensive.

Details about basic insurance >

W-P-DENTAplus-EN - Praemienwidget

FAQs

Answers to frequently asked questions about DENTAplus dental insurance:

Why do I need dental insurance?

As a general rule, basic insurance pays out only for damage to teeth caused by an accident – and even then only if no other insurance (your employer's accident insurance, for example) does so. You yourself have to pay for all other treatments provided by dentists, with the exception of a few, and in any case very rare, cases. However, going to the dentist in Switzerland can rapidly become very expensive – if, for example, you need fillings, crowns or implants. And the correction of tooth misalignments with a brace can often end up costing you several thousand francs in the space of a year.

That's why it's a good idea to take out dental insurance not just for children, but also for adults.

Can I also visit a dentist in Hungary?

Our DENTAplus dental insurance cover extends around the world. That means you can have dental work done in a dentist's practice in Hungary, Germany or any other country in the world. This is subject to the condition that the dentist has equivalent qualifications to those of Swiss dentists and the treatment does not cost more than in Switzerland.

Do I have to complete a health declaration to take out this dental insurance?

As a general rule, we require – as is usual with supplementary insurance – a health declaration for DENTAplus dental insurance.

  • However, we dispense with a medical examination for children aged under 3 years.
  • We also make an exception for the Light variant. You can take it out without any medical examination or report from your dentist.
Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You are under the age of 65 when you take out the policy.
  • We accept your application. For the purposes of risk assessment, we require you to fill in a health declaration. However, we dispense with a medical examination for the Light variant and for children aged under 3 years.
How and when can I terminate the insurance?
  • The minimum term is one year.
  • The contract is automatically renewed each year on the expiry date for a further year.
  • You can terminate the policy on 31 December of each year, subject to three months' notice.
  • If the premium is adjusted, a shortened notice period of one month applies.

Details about termination >

Is there a waiting period?

The waiting period is the period between the date on which the insurance cover under your policy begins and the date from which you can claim benefits.

  • Cover under this insurance is subject to a general six-month waiting period. That means you cannot claim any benefits before the end of the first six months of the first insurance year. The date of treatment is decisive for this purpose.
Is there a discount? How can I save on premiums?

For two or more family members insured under the same contract we grant a family discount of 5% on this and other supplementary insurance; for three or more insured family members the discount is 10%.

Details about the family discount >

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