Dental insurance
Beautiful teeth for every budget
Dental insurance: Dental and Dental Basic
The costs of preventive dental care and dental treatment can soon add up. Dental insurance offers the best protection.
Key benefits
Who are Dental and Dental Basic suitable for?
Dental supplementary insurance is the right choice for families with children. Particularly for teenagers, orthodontic treatments such as braces can put a strain on the family budget.
Dental Basic is particularly suitable for adults who value regular dental care and affordable dental insurance.
Why Dental and Dental Basic insurance plans make sense
Your basic insurance covers only a limited number of illness or accident-related dental treatments. In many cases, you therefore have to pay for dental repairs, routine check-ups and orthodontic treatment yourself. This can be expensive. The Dental and Dental Basic insurance plans give you peace of mind.
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Dental Basic – streamlined insurance for minor procedures
The Dental Basic supplementary insurance plan covers more minor dental repairs and preventive care. It is suitable for adults who value regular dental care. For example, should you ever need root canal treatment, a crown or dental prosthetic work, this plan will ease the financial burden.
Good to know
You can take out the Dental Basic supplementary insurance plan without a dental report. To take out this plan, you must have visited a dental hygienist in the last 12 months, had a dental check-up (including x-rays) in the last 24 months, and you must have no major dental damage, such as missing teeth or crowns.
For children: up to the 5th birthday, no dental report is required to take out Dental Basic. The age at the start of insurance applies. One exception: if there is already major dental damage, a report will be required.
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Dental – comprehensive insurance for more extensive procedures
Especially when it comes to braces, things can quickly become expensive: Treatment can easily cost up to CHF 15,000. Other dental treatments that are common in children and adolescents can also cause unpleasant financial surprises. For example, wisdom tooth extraction costs between CHF 500 and 800 per tooth. The good news is that the Dental supplementary insurance plan covers dental hygiene and up to 80% of the costs of dental treatment up to CHF 5,000 per calendar year – and is therefore particularly suitable for children.
Good to know
You need a dental report for the Dental supplementary insurance plan. For children, the earlier you take out insurance, the better, because a dental report is only required for children from their 5th birthday. From the 7th birthday, X-rays are required for children in addition to the dental report. The age at the start of insurance applies.
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swiss smile: benefit from partner discounts
With dental insurance, you benefit from discounts with our partner swiss smile: you save CHF 50 on tooth cleaning with the dental hygienist. And you get a discount of CHF 30 with prophylaxis assistants and dental hygienists in training. What’s more, swiss smile charges all dental services at a reduced social tariff.
Overview of benefits
Basic insurance |
Supplementary insurance
Dental Basic |
Supplementary insurance
Dental | |
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Calculate premium
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Pursuant to the Health Insurance Act (KVG/HIA)) |
80% of treatment costs, up to a maximum of CHF 2,000 per calendar year, including preventive care |
80% of treatment costs, up to a maximum of CHF 5,000 per calendar year Preventive care benefits are settled separately | |
Cost of treatment by dentists who are approved in Switzerland in connection with serious, non-avoidable disorders of the chewing system, serious general illnesses or dental damage resulting from accidents. |
Cost of treatment by dentists approved in Switzerland and neighbouring countries:
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Cost of treatment by dentists approved in Switzerland and abroad:
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Orthodontic treatment and oral surgery | |
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CHF 100 per calendar year for routine check-ups and dental hygiene by accredited professionals |
One check-up or visit to the dental hygienist per calendar year by accredited professionals | |
The chosen annual deductible and copayment (10% up to a maximum of CHF 700 per calendar year) apply |
Deductible of CHF 250 per calendar year (excluding preventive treatment) |
Deductible of CHF 350 each per calendar year for treatment resulting from illness and accident (excluding check-ups) | |
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There is no waiting period for dental treatment necessitated by accident or for preventive treatments. The following waiting periods apply for other treatments:
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Downloads
Frequently asked questions about dental insurance
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Do I have to submit a dental report to take out insurance?
The Dental Basic supplementary insurance plan can be taken out without a dental report under the following conditions:
- You have seen a dental hygienist in the last 12 months.
- You have had a dental check-up within the last 24 months, including X-rays.
- You have no major dental damage, such as crowns or missing teeth.
- Children don’t require a dental report up to their 5th birthday.
- Exceptions also apply here: there is already major dental damage.
The Dental plan requires a dental report – exception:
- we accept children up to their 5th birthday without a report or X-rays.
- A dental report is required from the 5th birthday.
- From the 7th birthday, X-rays are required in addition to the dental report.
The age at the start of insurance applies.
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Does the insurance cover implants and wisdom tooth extraction?
Yes, we pay part of the costs of these treatments. Dental Basic covers 80% of the treatment costs (up to CHF 2,000 per calendar year). Dental covers 80% of the treatment costs (up to CHF 5,000 per calendar year).
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Can I take out supplementary dental insurance while undergoing treatment?
Admission depends on a number of factors, such as the type of treatment. It can also be linked to certain conditions, such as exclusions for specific treatments.
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Is treatment abroad possible?
It is possible. With Dental Basic supplementary insurance, we cover treatments in Switzerland and neighbouring countries in accordance with the list of recognised service providers abroad. The Dental supplementary insurance plan covers treatments in Switzerland and worldwide.
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When should I take out dental insurance?
Generally speaking, the earlier you take out insurance, the better. Parents can take out insurance for their baby to protect themselves against potentially expensive orthodontic corrections. Children also benefit from simplified admission: see the point on the dental report above. But our dental insurance plans can also be financially worthwhile into old age for people who want to look after their teeth for as long as possible. You can take out the Dental plan up to the age of 59, Dental Basic up to age 65.
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Dental insurance for children and babies: what you need to know.
We recommend our Dental insurance plan for children as it covers important areas of dental health, such as orthodontic treatment. If you want to take out the Dental plan before your child’s 5th birthday, you don’t need a report or X-rays. From the 7th birthday, you have to submit a dental report and X-rays for your child.
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