When is the best time to get dental insurance?

When is the best time to get dental insurance?

What is the right age for supplementary dental insurance?

The optimal time for private supplementary dental insurance cannot be determined in general and for all people in the same way. Those who decide to do so at a young age tend to pay lower premiums, but will probably not make use of an insurance benefit for many years. On the other hand, if you wait until your teeth are already falling out one by one, you will hardly find an insurer who is willing to bear the financial risk, because:

When applying, you must provide information about whether your dentist has already indicated the need for certain measures. These treatments will no longer be covered by the newly concluded dental insurance.

If your teeth are already in poor condition or if several teeth are already missing from your set of teeth, it will be difficult for you to take out private supplementary dental insurance.

During the first three months after taking out the insurance, you are usually not entitled to any benefits. During the first eight months, all benefits for dentures are categorically excluded.

Virtually all plans are designed to provide only capped benefits during the first three to five years. So you may have to wait patiently for the major renovation of your ailing dentition. The so-called “dental scales” with regard to the insurers’ willingness to provide benefits typically look something like this:

  • In the first year up to a maximum of 500 Dollars.
  • Up to a maximum of 1,000 Dollars by the end of the second year.
  • Up to a maximum of 1,500 Dollars by the end of the third year.
  • By the end of the fourth year, a maximum of 2,000 Dollars.
  • By the end of the fifth year, a maximum of 2,500 Dollars.
    On the other hand, insured persons are rewarded for regularly going to the dentist for check-ups for at least five years. This applies to both statutory health insurance and private supplementary dental insurance. What is annoying, however, is that the bonus entitlement is lost if an appointment is missed. In this case, the five-year plan starts all over again.

Anyone who knows that they will need dentures at some point, and this probably applies to most of us, should no longer hesitate to take out private supplementary dental insurance. An upstream comparison of supplementary dental insurance will help you find a rate with a good price-performance ratio. For this purpose, we at Stern provide you with a free and non-binding supplementary dental insurance calculator.

To find the best supplementary dental insurance, you can study the dental insurance test on the one hand and carry out the dental insurance comparison on the other. Because the dental supplementary insurance experiences show that a particularly cheap dental supplementary insurance does not always guarantee the best dental prosthesis.

Can anyone apply for dental insurance?

In a considerable number of cases, the insurance company rejects a corresponding application. This usually happens when the dentition is already severely damaged and high repair costs are expected. Anyone who is tempted to “trivialize” the condition of their dentures when making their own statements has done the math without the host. After the first invoice at the latest, your information will be checked by the insurer and reimbursement of costs may be rejected.


Why the comparison of dental insurances is so important

Not every tariff delivers what it promises. What patients want to achieve with their dental insurance is better dental treatment combined with lower dental costs. However, not every private supplementary dental insurance will bring you closer to this goal. Therefore, before signing a contract, you should definitely pay attention to what the supplementary dental insurance is really willing to cover, because the reimbursement sometimes refers only to dental prostheses, but not to dental treatments or dental services such as professional teeth cleaning, or vice versa, which is even worse.

The different components of a supplementary dental insurance

The different components of supplementary dental insuranceTo be able to make a meaningful comparison of supplementary dental insurance and in this way find the best supplementary dental insurance, the differences between dental treatment and dental prostheses should first be discussed and common terms explained in more detail. With this basic knowledge, you will have a chance to find your way through the jungle of rates offered by the many providers.


Dental prostheses are all treatments whose purpose is to partially or even completely replace a tooth. This includes, for example, crowns, bridges, implants or removable dentures. These sometimes lengthy treatments are usually associated with bills of several thousand dollars, so in these cases a supplementary dental insurance is really very helpful.

The term dental treatment includes all measures against dental diseases that preserve the natural tooth in its substance by cleaning or repair. This includes, for example, the less popular dental fillings or root canal treatments. The material used is a determining cost factor here. Therefore, although inlays belong to the category of dental treatment, they are often treated by supplementary dental insurance as dental prostheses.

In the course of the dental supplementary insurance comparison, you can see which dental supplementary insurance evaluates certain measures as dental prostheses or just as dental treatment. Unfortunately, some dental terms are not clearly used by all insurers. For this reason alone, you should carefully read the fine print in the contract before taking out dental insurance.

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