Go Back   English Forum Switzerland > Living in Switzerland > Daily life
Reply
 
Thread Tools Display Modes
  #1  
Old 03.09.2015, 14:19
Junior Member
 
Join Date: Jun 2013
Location: Zurich
Posts: 37
Groaned at 3 Times in 1 Post
Thanked 2 Times in 2 Posts
segerton has no particular reputation at present
Need help on dental insurance

We naively didn't get any dental insurance on our move to Switzerland and now my 8-year-old daughter's dentist is already talking about orthopaedic work I can't imagine how much all that will cost. I have heard I may have left it all too late as the insurers are nervous when there are already bills on the horizon...Has anyone any tips for what I can do or who I can contact for insurance in this case? Or am I better off trying to get it all done in the UK? Thanks in advance!
Reply With Quote
  #2  
Old 03.09.2015, 14:33
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Re: Need help on dental insurance

Quote:
View Post
We naively didn't get any dental insurance on our move to Switzerland and now my 8-year-old daughter's dentist is already talking about orthopaedic work I can't imagine how much all that will cost. I have heard I may have left it all too late as the insurers are nervous when there are already bills on the horizon...Has anyone any tips for what I can do or who I can contact for insurance in this case? Or am I better off trying to get it all done in the UK? Thanks in advance!
Try to get her insured now, apart from having to currently do dental work or not. While you're taking care of insurance, check with the insurance and the UK orthodontist (dental orthopedist) how much treatment would cost both in the UK and here. Then, evaluate reasonable possibility of returning to the UK for emergency and follow-up treatment if problems were to arise with treatment done there in case Swiss dentists refuse to take care of it here.

So, basically, get her insured no matter what, but decide where to do the treatment right now by evaluating both Swiss insurances and UK dentists.
Getting her insured now might result into certain things not being covered due to preexisting conditions, but the later you do it the higher the risk of more preexisting conditions accumulating.

Good luck.
Reply With Quote
  #3  
Old 03.09.2015, 14:38
TiMow's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Fribourg
Posts: 9,310
Groaned at 292 Times in 196 Posts
Thanked 12,189 Times in 5,300 Posts
TiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond repute
Re: Need help on dental insurance

Check with you general health insurance provider - they may be dental cover under that, for children.
Reply With Quote
  #4  
Old 03.09.2015, 14:46
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Re: Need help on dental insurance

Quote:
View Post
Check with you general health insurance provider - they may be dental cover under that, for children.
Basic health insurance doesn't cover dental accidents, and it only covers dental illness treatment if dental problems are due to certain issues. Link with detailed list of treatments covered by basic insurance here

So you probably need to get supplemental, and as mentioned above, they can deny coverage for preexisting conditions as they are risk-based, as opposed to basic health insurance, which has to accept anyone for general health care and certain dental conditions (which I mentioned above) without question.
Reply With Quote
  #5  
Old 03.09.2015, 14:52
Carlos R's Avatar
Forum Legend
 
Join Date: Dec 2009
Location: Roundn'about Basel
Posts: 7,092
Groaned at 102 Times in 91 Posts
Thanked 9,661 Times in 4,067 Posts
Carlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond repute
Re: Need help on dental insurance

You are basically screwed. For an 8 year old, insurance companies will [edited: very likely] require a dental check and they will assess what cover they will give.

We left it too late for our oldest, so all our younger children have full teeth cover, and the oldest has an exception for orthodontics work. There are exceptions - if it is really, and I mean really bad, then you can get the State to cover "remedial" dental work... but I think your teeth have to be coming out the side of your head or something.

If you are on a tight budget, consider day trips to Germany or holiday () trips back to the UK (although it isn't that much cheaper from what I hear...).
__________________
Never let right or wrong get in the way of a good opinion
Reply With Quote
The following 2 users would like to thank Carlos R for this useful post:
  #6  
Old 03.09.2015, 14:58
ZuriRollt's Avatar
Forum Veteran
 
Join Date: Aug 2015
Location: Zürich
Posts: 1,788
Groaned at 41 Times in 31 Posts
Thanked 2,054 Times in 923 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Need help on dental insurance

In any case, try to get the additional insurance asap as mentioned by Glowjupiter.
The costs of braces can easily go into the CHF 20'000.- range.
Reply With Quote
This user would like to thank ZuriRollt for this useful post:
  #7  
Old 03.09.2015, 15:12
Longbyt's Avatar
Forum Legend
 
Join Date: Apr 2008
Location: ZH
Posts: 7,307
Groaned at 55 Times in 51 Posts
Thanked 10,912 Times in 4,089 Posts
Longbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond repute
Re: Need help on dental insurance

Before deciding on UK, try to find out what needs doing and how often adjustment is likely to be needed. I seem to remember our youngster trailing off to the practice pretty often, especially at the beginning. As soon as the teeth start getting into line, the gadgets need tightening again. (Layman's dentistry!) And bits break. Or get lost. Or drop off.
Good luck anyway.
Reply With Quote
  #8  
Old 03.09.2015, 15:13
swissfi's Avatar
Junior Member
 
Join Date: Sep 2006
Location: zurich
Posts: 95
Groaned at 0 Times in 0 Posts
Thanked 45 Times in 20 Posts
swissfi has made some interesting contributions
Re: Need help on dental insurance

I agree with the previous posts. Get the dental cover added on as soon as you can.
Our younger daughter had coverage from when we arrived aged 5 and it has been so worthwhile since we found out later that she had a problem with her jaw bone (not known at the time) I think the dental / brace costs covered by the insurance company are now in excess of CHF20'000
Reply With Quote
  #9  
Old 03.09.2015, 15:21
TiMow's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Fribourg
Posts: 9,310
Groaned at 292 Times in 196 Posts
Thanked 12,189 Times in 5,300 Posts
TiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond repute
Re: Need help on dental insurance

Quote:
View Post
Basic health insurance doesn't cover dental accidents, and it only covers dental illness treatment if dental problems are due to certain issues. Link with detailed list of treatments covered by basic insurance here

So you probably need to get supplemental, and as mentioned above, they can deny coverage for preexisting conditions as they are risk-based, as opposed to basic health insurance, which has to accept anyone for general health care and certain dental conditions (which I mentioned above) without question.
My health insurance makes a provision against general dental treatment of CHF 1000 in every two year period - normally enough for most basic requirements, such as check-ups, cleaning, fillings. Anything over that value is then paid by me.

For my children, I believe that all work is included (possibly some exceptions, but can't confirm), although a supplemental charge over the normal premium is required to cover this.
Also, IIRC, an excess applies to each different (course of) treatment - but still works out much cheaper than paying the full whack.
Reply With Quote
  #10  
Old 03.09.2015, 19:00
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,966
Groaned at 542 Times in 342 Posts
Thanked 10,567 Times in 5,406 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Need help on dental insurance

Ask your insurance broker, maybe after a few years they will cover corrections.

Quote:
View Post
... you can get the State to cover "remedial" dental work... but I think....
The Swiss cover birth defects, as an IV invalidity insurance payment. Children born here and under 18 years of age, can obtain this cover, and get their teeth straightened free of charge by the IV. Your dentist can tell you where to claim in your town, usually at the AHV or AVS office.
Reply With Quote
This user would like to thank Sbrinz for this useful post:
Reply

Tags
care, dental, insurance




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
need idea on dental insurance [ZH] Gargi Lahiri Insurance 2 27.02.2015 13:16
Please help, advice needed on insurance coverage on pregnancy Natasha_w20 Insurance 12 20.01.2015 12:19
Need Help Terminating Insurance lukenjenny Insurance 2 27.09.2012 22:11
I need help with health insurance english_girl Insurance 12 05.04.2012 21:15
Dental filling In Zurich - Need help swath Family matters/health 8 12.12.2011 00:54


All times are GMT +2. The time now is 10:19.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0