Dental care

DENTAplus dental insurance

DENTAplus dental cover protects you from the generally very high costs of orthodontic treatment (e.g. braces) and illness-induced damage to your teeth. In addition, it gives you allowances towards preventive treatment such as dental hygiene and check-ups by the dentist.

  1. What benefits are covered?
  2. For whom is this insurance recommended?
  3. Good to know
  4. How you can save premiums
  5. Why do I need dental insurance?

Up

What benefits are covered?

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.

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.

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.


Up

For whom is this insurance recommended?

  • For the entire family, as the many different options available permit individual cover addressing all requirements.

Up

Good to know

Who can take out this policy?

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

  • Your official place of residence is 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 complete a health declaration. We dispense with a medical examination for the Light variant and for children aged under 3 years.
How long does the policy run?

You can also take out a multi-year policy for three or five years. That way, you benefit from a premium discount, and different notice periods apply.

  • 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 as of 31 December each year. There is a notice period of three months.
  • If the premium is adjusted, a shortened notice period of one month applies.
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 time. That means you cannot claim benefits before the end of the first six months of the first insurance year. The date of treatment is decisive for this purpose.

Up

How you can save premiums

Family discount
Minimum 5 % discount

Currently, you get the following family discounts on supplementary insurance from the Helsana Group:

  • 5% discount if there are two people in the same household
  • 10% discount if there are three or more people in the same household

Details on family discount


Up

Why do I need dental insurance?

Dental treatment can quickly get very expensive, especially when complex and costly treatment such as orthodontics (dental braces) or oral surgery is necessary.

Only in exceptional cases does basic insurance cover the cost of illness-related tooth damage, and you must always bear the cost of correcting misaligned teeth yourself. That's why it's a good idea to take out dental insurance for adults as well as children.


Calculate premium