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Old 25.08.2021, 14:04
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Orthodontic dental and glasses insurance for babies

Hello, I am about to get health insurance for my 3-month old baby.

Braces are horribly expensive, so I was thinking that, at some point, baby might need health insurance coverage for that. But it's clearly too early.

My question: can I insure baby now without orthodontic coverage and add it a later time, say when baby starts changing teeth (but clearly before potential issues manifest)?

Same for glasses?

EDIT: yes, I know it might be cheaper to cross the border for braces, just considering my options for now
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Old 30.08.2021, 09:27
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Re: Orthodontic dental and glasses insurance for babies

Up?
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Old 30.08.2021, 10:05
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Re: Orthodontic dental and glasses insurance for babies

Just ask your current insurer to upgrade your kid’s policy. We got it even before the birth. After birth it may cost a bit more but I doubt it will be significant.
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Old 30.08.2021, 10:23
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Re: Orthodontic dental and glasses insurance for babies

As for Glasses I see not much point in this.
Glasses are partially covered by basis insurance (up to ~190 / year if i remember correctly), and eye tests etc. are normally fully covered. (my little one has glasses and at places like fielmann you can get glasses for kids for anywhere between 100 - 400 chf so even with normal insurance your 'out of pocket' will be up to ~200 chf per couple of years... that might be less than paying premiums for many years.
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