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Old 28.10.2009, 10:46
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dental insurance

hi all

can someone explain to me how dental insurance works here in CH?

dental cover would be complimentary right? and the insurer can be independent of the primary (obligatory) insurer?

what happens with all the excesses (franchise)? obligatory insurance franchise and then the complimentary franchise? are they seperate for each cover, or cumulative?

my dentist wants to take out my wisdom teeth: one is emerging horizontally! i can imagine the removal of all 4 teeth could be expensive so i am trying to plan ahead.

i have basic cover (obligatory) with assura but am looking to get some dental cover (only dental) with sanitas, link. they seem to offer the better cover and flexibility of cover for what i need.

can anyone offer any input, experiences etc. on this?

TIA, bill
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Old 28.10.2009, 11:25
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Re: dental insurance

You cannot pay a premium and immediately claim reimbursement for dental treatment. The insurer will have some exclusion clauses, e.g.
  • Waiting period
  • No pre-existing conditions.
  • Reimbursement entitlement only begins after a dentist has fixed all prior dental problems
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Old 28.10.2009, 11:33
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Re: dental insurance

When I checked dental insurance, it was outrageously expensive and I passed up on it.

I later had to have all my wisdom teeth out and ahd some fillings replaced, I think the cost of that was still less than the price of dental insurance for the year.
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Old 28.10.2009, 19:06
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Re: dental insurance

thanks guys,

@Goldtop: yes i am aware of the 'clauses'. in the sanitas link above, it mentions 6 months. my problems are not urgent at the moment. this is why i am palnning ahead! 6 months is okay to me. your other points are noted and add to my confusion. (c;

@cyrus: the sanitas option above seemer resonable (20CHF a month I think) but all the details are not available, that could be 20CHF on top an existing contract with them. If I went to them only for Dental cover I would expect them to bump it up a bit. But this contributes to my ignorance on the whole topic.

wonder if Jenny or anyone else could offer some input! (C;

bill
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