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Old 10.03.2010, 19:14
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Dental Insurance for Children in CH

Hi, my 8 year old son has been told he needs orthodontic treatment.

He needs 4 grown up teeth taken out and a brace for tooth re alignment.

We dont have dental insurance at the moment and would appreciate other peoples advice on what type to get or not to get .

I am getting so many mixed messages , some parents I speak to say the monthly premuims outway the actual amount a month so they just pay as they go, others say the bills run into 1000s chf.

Does ayone have any advice or stories to share it would help

Do I buy insurance for a dentist or orthodentist or both, just so confused ......who is a good provider .....would really appreciate advice and recomendations

thanks
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Old 10.03.2010, 20:32
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Re: Dental Insurance for Children in CH

Try contacting Insurance Jenny, who's very well regarded on this forum and knows EVERYTHING. She'll certainly be able to give you some costs to help you decide.

http://www.englishforum.ch/members/610-jenny.html (I'd recommend sending her a PM so it's emailed to her rather than just leaving a message there; not sure how often she checks the site.)

(But seriously, taking out adult teeth when he's only 8? How do they know how the remaining adult molars will come through in the next 3-4 years - do they take x-rays to see? I'm kinda interested, as my 10 yr old has perfect top teeth but slightly crooked bottom teeth, and we're adopting more of a 'wait and see' policy as his dentists (private and school checkups) haven't said anything about it.)

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Old 10.03.2010, 20:42
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Re: Dental Insurance for Children in CH

Thanks for the info

and re

But seriously, taking out adult teeth when he's only 8?

Indeed thats what I thought too
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Old 10.03.2010, 21:03
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Re: Dental Insurance for Children in CH

You might want to look into the "Bionator" - sorry I only know the German expression. This link is just one of many on Google.

It's a gentler way of teeth position correction that works with the mouth muscles (?) and whole body as opposed to forcing the young teeth into a "proper" position.

Unfortunately, only part of this therapy is covered by an additional dental insurance as it is considered alternative medicine.

I know of a few kids who have had - or currently undergoing - successful correction with this method and we are looking in to it for our son too.
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Old 10.03.2010, 21:44
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Re: Dental Insurance for Children in CH

Hi there,

I worked in ortho for several years (placing braces and other appliances). In my opinion I would seek a second opinion. In 99% of cases (that we dealt with) it was unnecessary to extract adult teeth. There's an appliance that can be worn that creates additional room so that there's enough space for all the teeth (although braces are usually also needed). Personally I'm against removing any adult teeth (other than wisdom teeth) because this changes the shape of the face and the smile. As for the Bionator, this is a great appliance but it is usually followed by braces as well. More importantly this appliance is patient specific and won't be helpful in all cases.

In the end it's worth all the trouble, they'll have a perfect smile
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Old 02.11.2011, 14:57
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Re: Dental Insurance for Children in CH

We are currently contemplating a move to Switzerland from England.

My son is on a waiting list for orthodontic treatment to correct protruding upper teeth. This treatment will be carried out on the NHS at no cost to ourselves. Should I try to hurry up the referral to get the treatment started as there is a likelihood of some tooth extraction and what would the situation be in regards to insurance/ payment on ongoing treatment when/if we take up residency in Switzerland.

Would also be interested in finding out what happened with your son Tubbies- mummy?
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Old 02.11.2011, 17:02
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Re: Dental Insurance for Children in CH

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We are currently contemplating a move to Switzerland from England.

My son is on a waiting list for orthodontic treatment to correct protruding upper teeth. This treatment will be carried out on the NHS at no cost to ourselves. Should I try to hurry up the referral to get the treatment started as there is a likelihood of some tooth extraction and what would the situation be in regards to insurance/ payment on ongoing treatment when/if we take up residency in Switzerland.

Would also be interested in finding out what happened with your son Tubbies- mummy?
From what I know, having been told by my daughters dentist last year, you have until the child is 6 years of age to put them on a dental plan without them being tested or assessed. After this age the child will be assessed and any pre-existing problems that need addressing will not be covered.

Needless to say, both my kids were put onto the dental plan quickly!

I also spoke to friends who have children of different ages and they all told me the same thing. A friend who came to Switzerland with two boys beyond the cut off date has had to get braces for both of them. The first cost over 10.000 CHF and the current one is on about 8.000 CHF and counting.
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Old 02.11.2011, 17:07
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Re: Dental Insurance for Children in CH

Darn his 8 year old brother is also going to need them.

Going off Switzerland idea rapidly.
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Old 02.11.2011, 22:36
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Re: Dental Insurance for Children in CH

Braces are not necessarily a part of the dental plan. For us, orthodontics is a part of the supplemental insurance package, covered at 80% up to 10k. Supplemental for kids costs close to nothing.
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Old 02.11.2011, 22:51
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Re: Dental Insurance for Children in CH

that sounds hopeful. Had you started the treatment before you got the supplementary package?
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Old 02.11.2011, 23:30
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Re: Dental Insurance for Children in CH

I am not an expert on this subject but so far I've come to know that kids in Zurich (city, not sure about the Kanton, or other areas) are seen, free of charge, by a dentist. Appointments are initially coordinated through the city. We have now taken our 2 and 5 year old children to the one that was assigned to us. Apparently the service is coordinated through the schools for kids that attend public schools but it's also available for kids in private schools (which is my case). I don't know how long you've been in CH but if you kids has been part of this service before, they might be able to guide you. I also have some colleagues that have opted for dental services in Germany, which seems to be cheaper. Good luck!
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Old 03.11.2011, 12:38
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Re: Dental Insurance for Children in CH

Thank you that's good to know. I have been looking at property prices and if we do go ahead with the move the more affordable properties are quite close to the German border so that might be an option. Living in the U.K one gets used to having to travel miles just to find a NHS dentist that can fit you on their list. In Wales we had to do a two hour round trip to see ours. Our present one takes well over an hour to get there and back.
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Old 03.11.2011, 12:48
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Re: Dental Insurance for Children in CH

Thanks for reviving this thread. My daughter is about to turn 7 so i learned here just on time(i hope) to start her dental insurance. We had to take her to germany a few weeks ago for xray, extractions etc and the general anaesthesia alone (3 hrs) cost us 650 euro. Some friends say it could be around 1000chf here in CH.
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Old 25.11.2011, 18:29
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Re: Dental Insurance for Children in CH

Hi Tubbies- Mummy,

Did you take any dental insurance? Even I am looking for one for my kids and would like to know the experiences of others..

Thanks in advance!
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Old 25.11.2011, 20:40
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Re: Dental Insurance for Children in CH

So far I havnt needed to as he only had an inspection but when he needs braces which Im sure he will then Im as lost as you so anyone else who knows or can advise please share thanks
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Old 09.01.2019, 12:13
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Re: Dental Insurance for Children in CH

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From what I know, having been told by my daughters dentist last year, you have until the child is 6 years of age to put them on a dental plan without them being tested or assessed. After this age the child will be assessed and any pre-existing problems that need addressing will not be covered.

Needless to say, both my kids were put onto the dental plan quickly!

I also spoke to friends who have children of different ages and they all told me the same thing. A friend who came to Switzerland with two boys beyond the cut off date has had to get braces for both of them. The first cost over 10.000 CHF and the current one is on about 8.000 CHF and counting.
Do you know which insurance company doesn't require assessment for a 6 year old? I think I still have time for my kid?
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Old 09.01.2019, 14:29
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Re: Dental Insurance for Children in CH

The best is to get dental and orthodontic insurance as fast as possible. Up to 5 yo you pay really little. For my son was 2,5 ch a month.
I have 3 kids, first 2 born in UK and when we moved here they were 8 and 6yo. We did for them orthodontic kids from the beginning but they needed to see dentist before. Third kid born here stared to have dental and orthodontic from the age of 2.
My daughter now has her orthodontic treatment and it will cost 12000ch . Insurance pays 75% up to 150000ch per year up to age of 18yo because the insurance she has is orthodontic kids.
The other 2 kids got normal dental and orthodontic insurance on which my daughter wasn’t accepted. This insurance I made for them 3yo and I cancelled dental kids for them but not for my daughter, she has still dental kids just for orthodontic treatment and normal dental for just dentist.
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Old 09.01.2019, 23:05
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Re: Dental Insurance for Children in CH

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Hi there,

I worked in ortho for several years (placing braces and other appliances). In my opinion I would seek a second opinion. In 99% of cases (that we dealt with) it was unnecessary to extract adult teeth. There's an appliance that can be worn that creates additional room so that there's enough space for all the teeth (although braces are usually also needed). Personally I'm against removing any adult teeth (other than wisdom teeth) because this changes the shape of the face and the smile.
Re-reading the thread as we encounter the same questions. The quote above is 10 years old. Is still 99% of the problems solvable without pulling teeth? What is the usual approach these days?

It gives all the kids that had this exactly the same smile..
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Old 30.01.2019, 00:41
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Re: Dental Insurance for Children in CH

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Re-reading the thread as we encounter the same questions. The quote above is 10 years old. Is still 99% of the problems solvable without pulling teeth? What is the usual approach these days?
My 9 yo daughter wears this:

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There's an appliance that can be worn that creates additional room so that there's enough space for all the teeth (although braces are usually also needed).
in combination with braces on the new teeth on the upper jaw, which she has just a few so far.
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