Dental Insurances
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Orthodontics and dental care
First, we need to distinguish two kinds of dental coverage.
Orthodontics and dental care. If the first almost became “vital”, the second will be less advised even if often asked.
Orthodontics : this coverage mostly concerns children or young adults. It offers a reimbursement for braces and tooth repositioning. It is very important to be covered for this as it is very expensive and almost never reimbursed by the LaMal.
Dental care : this coverage includes cavities treatment, prophylaxis and crowns.
We are going to see that a choice has to be made about this. Indeed, dental care coverage is often very expensive and subject to dental exams.
We will detail it together.
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Orthodontics and dental care
First, we need to distinguish two kinds of dental coverage.
Orthodontics and dental care. If the first almost became “vital”, the second will be less advised even if often asked.
Orthodontics : this coverage mostly concerns children or young adults. It offers a reimbursement for braces and tooth repositioning. It is very important to be covered for this as it is very expensive and almost never reimbursed by the LaMal.
Dental care : this coverage includes cavities treatment, prophylaxis and crowns.
We are going to see that a choice has to be made about this. Indeed, dental care coverage is often very expensive and subject to dental exams.
We will detail it together.
What does LaMal reimburses ?
Children : no reimbursement
Adults : no reimbursement
An exception can be made if the dental problems are so serious that it will be considered as a disease. But it is very rare and difficult to claim.
What does LAMal reimburses ?
Children : no reimbursement
Adults : no reimbursement
An exception can be made if the dental problems are so serious that it will be considered as a disease. But it is very rare and difficult to claim.
Orthodontics additional coverage
Today, we know how important having well positioned teeth is. It’s even sometimes necessary on top of being aesthetic.
Caution : the cost of braces can vary between CHF 8’000.- and CHF 12’000.-, and it can sometimes be necessary to change it after 1 or 2 years.
Looking at these figures, it seems essential to have good coverage so that the treatment is reimbursed.
Orthodontics additional coverage
Today, we know how important having well positioned teeth is. It’s even sometimes necessary on top of being aesthetic.
Caution : the cost of braces can vary between CHF 8’000.- and CHF 12’000.-, and it can sometimes be necessary to change it after 1 or 2 years.
Looking at these figures, it seems essential to have good coverage so that the treatment is reimbursed.
Orthodontics, important issues
Not every company will reimburse you the same way, and they will have different rules for acceptance and conditions.
The best reimbursements : we could find a reimbursement of 75% maximum CHF 15’000.- per year. It is one of the best coverage possible although we could still improve it with more complements.
The traps : some companies are writing in their fact sheets that orthodontics is covered, but how is it covered ?
The % of reimbursement : sometimes it is only 50% of the bill, which can leave an important amount for you.
The maximum amount : in other cases, it is with a maximum amount of CHF 2’500.-. As we saw, it is insufficient.
A virtual account : a virtual account which will increase every year so that you have enough for the treatment. However, even if you open it since the childbirth, the available amount will be insufficient. CHF 500 per year during 12 years old will give CHF 6’000.- and can be use for one treatment. It is even worse if you join the company after a few years.
We invite you to be careful when choosing orthodontics coverage for your children.
The dental questionnaire : sometimes, an amount is planned in a general additional package, and sometimes it is separated.
When it is included, only one question has to be answered : do you have any issues with your jaw position. If your child never had a consultation related to this, there is no trace and it will be easy.
When it has to be taken separately : it will usually be accepted, without a questionnaire for the dentist if it is subscribed before a certain age. The age depends on the companies, usually between 3 and 6 years old. Indeed, it will be important to think about it early and choose well.
Dental care, main issues
This coverage is one of the most asked (especially by newcomers in Switzerland), but it is one of the coverage we do the least. Why ?
To summarize, it is (very) expensive and often requires an evaluation appointment. Indeed, it can be refused if you have existing problems.
You can still find small coverage that reimburses (between CHF 300 and CHF 600) and is not subject to dental evaluation. It will mainly be useful for dental hygiene and regular scaling. However, the gain will not be huge.
Dental care for cavities, crowns and more important problems also exist and can cover thousands of francs. For this, issues are more important, but the price of the coverage too and is difficult to access.
Few companies include a reimbursement directly in a package without a dental exam. This is a good alternative. We invite you to use our comparison tool to get a good overview
Dental care, abroad
Most insurance companies do not make any teritorial distinction for this coverage. Indeed, it is possible to receive care abroad for your teeth and benefit from higher reimbursements if the concerned country practices lower prices.
We still recommend to ask first to the concerned company to make sure there is no change in between.
Orthodontics main issues
Not every company will reimburse you the same way, and they will have different rules for acceptance and conditions.
The best reimbursements : we could find a reimbursement of 75% maximum CHF 15’000.- per year. It is one of the best coverage possible although we could still improve it with more complements.
The traps : some companies are writing in their fact sheets that orthodontics is covered, but how is it covered ?
The % of reimbursement : sometimes it is only 50% of the bill, which can leave an important amount for you.
The maximum amount : in other cases, it is with a maximum amount of CHF 2’500.-. As we saw, it is insufficient.
A virtual account : a virtual account which will increase every year so that you have enough for the treatment. However, even if you open it since the childbirth, the available amount will be insufficient. CHF 500 per year during 12 years old will give CHF 6’000.- and can be use for one treatment. It is even worse if you join the company after a few years.
We invite you to be careful when choosing orthodontics coverage for your children.
The dental questionnaire : sometimes, an amount is planned in a general additional package, and sometimes it is separated.
When it is included, only one question has to be answered : do you have any issues with your jaw position. If your child never had a consultation related to this, there is no trace and it will be easy.
When it has to be taken separately : it will usually be accepted, without a questionnaire for the dentist if it is subscribed before a certain age. The age depends on the companies, usually between 3 and 6 years old. Indeed, it will be important to think about it early and choose well.
Dental care main issues
This coverage is one of the most asked (especially by newcomers in Switzerland), but it is one of the coverage we do the least. Why ?
To summarize, it is (very) expensive and often requires an evaluation appointment. Indeed, it can be refused if you have existing problems.
You can still find small coverage that reimburses (between CHF 300 and CHF 600) and is not subject to dental evaluation. It will mainly be useful for dental hygiene and regular scaling. However, the gain will not be huge.
Dental care for cavities, crowns and more important problems also exist and can cover thousands of francs. For this, issues are more important, but the price of the coverage too and is difficult to access.
Few companies include a reimbursement directly in a package without a dental exam. This is a good alternative. We invite you to use our comparison tool to get a good overview.
Dental coverage abroad
Most insurance companies do not make any teritorial distinction for this coverage. Indeed, it is possible to receive care abroad for your teeth and benefit from higher reimbursements if the concerned country practices lower prices.
We still recommend to ask first to the concerned company to make sure there is no change in between.
Additional coverage possible
Possible coverage
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