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Old 16.01.2018, 21:44
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Dental insurance

I am an adult, not born in Switzerland and I arrived here to live and work. I would like to know which health insurance to choose in order to get partially of fully covered following treatments:

a) Jaw surgery. I have over bite and was indicated osteotomy to align the jaws.

By reading this forum, jaw surgery in relation to deformations occurring at birth, are not covered by basic nor by supplementary health insurance in Switzerland. Correct me if I'm wrong.

b) Orthodontic work. My teeth are a mess and I was indicated for either surgical orthodontics, in a case that jaw surgery is elected, or just ordinary orthodontics, in case jaw surgery is omitted and only goal is to straighten teeth.

By reading this forum, jaw surgery in relation to deformations occurring at birth, are not covered by basic nor supplementary health insurance in Switzerland. Correct me if I'm wrong.

c) Preventive and Curative dental work

In Switzerlad, any kind of dental work is not covered by basic insurance. There are supplementary dental insurances, but apparently they're very unpopular. Correct me if I'm wrong.

But honestly, are dental insurances really that unjustified?Let's do some math to try figuring this out. Let's assume 3 visits per year at dentist, each one with some curative stuff - 1 dental filling per visit, but no expensive stuff such as root canal treatment. One visit should be about CHF300, for 3 visits that CHF900.

Dental insurances commonly seem to go with 50% of cost coverage, up to CHF500. Such model costs CHF20/month, or about 240CHF per year.

So, price without insurance = CHF900

price with insurance:

price of dentist costs at 50% reduction + dental insurance =

900 * 0.5 + 12 * 20 = CHF690

Savings:
900-690 = CHF210, which is about 22% OFF at price without dental insurance.

Not bad, I would guess, but where is the trick?
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Old 16.01.2018, 22:16
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Re: Dental insurance

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Not bad, I would guess, but where is the trick?
in the pre-existing conditions
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Old 16.01.2018, 22:22
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Re: Dental insurance

Pretty much as k and e says. Before they give you a policy, you generally have to go for an exam where they determine what conditions will be excluded and then they'll make you an eye watering offer nowhere near 20 Francs a month.
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Old 17.01.2018, 07:38
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Re: Dental insurance

Since you have already lived and worked here

https://www.englishforum.ch/employme...-benefits.html

and must have had Swiss health insurance I don't really see why you're asking this question.

As the conditions are pre-existing you won't be able to buy supplementary insurance at such a low figure as you're quoting, if they allow you to buy it at all which I doubt. That leaves you with basic insurance which also won't cover it. So if you want the work done you'll have to pay for it out of your own pocket.
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Old 17.01.2018, 14:55
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Re: Dental insurance

Forget it. There is no chance you will get this at 20.- a month. You'll be lucky to get supplementary at all with such a massive list of pre-existing conditions.

I know someone who had dental ever since she was born, but had problematic teeth through no fault of her own. Was eventually kicked out of supplementary and has been unable to get back in since.
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Old 17.01.2018, 23:45
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...dental treatment in Switzerland...


...not even once.


Looks like I'll have to do all dental and jaw stuff outside Switzerland.

when I was referring to 20bucks/month of supplementary dental insurance for "50% off per treatment, up to 500CHF per year" model (btw, it was offer by SWICA), it clearly said that it costs about 20 bucks per month. Not sure where you got your ideas that it's way more expensive.

also, I can't see any small print that the dental insurance is not valid for any pre-existing conditions.

Last edited by 3Wishes; 18.01.2018 at 19:11. Reason: merging consecutive replies
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Old 18.01.2018, 06:15
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Re: Dental insurance

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when I was referring to 20bucks/month of supplementary dental insurance for "50% off per treatment, up to 500CHF per year" model (btw, it was offer by SWICA), it clearly said that it costs about 20 bucks per month. Not sure where you got your ideas that it's way more expensive.

also, I can't see any small print that the dental insurance is not valid for any pre-existing conditions.
500 CHF is nothing, that would cover cleaning etc, checks and maybe small cavities. Not anywhere near the works you apparently need.

And Im sure somewhere in the T&Cs there will be some wording on what is included and what will be excluded
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Old 18.01.2018, 10:19
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Re: Dental insurance

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Looks like I'll have to do all dental and jaw stuff outside Switzerland.
Have to pay for it yourself either way then, plus slap some regular travel to and from wherever you want to do it on top of it.


Btw I have dental and they covered an orthodontic treatment. But I've had the insurance since I was born, the "condition" was not pre-existing but actually the second time around, and I pay more than 20.- a month for it. Total treatment cost was 4000.-, because I cleverly spread out the treatments across three calendar years, I got back 3000.- Having dental certainly was worth it for me.

Also, a cleaning and check-up costs less than 200.-. I've never had a cavity in my life, so no idea how much these cost.

But as said, with all these issues, you won't get the supplementary anyway.
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Old 18.01.2018, 10:51
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Re: Dental insurance

You generally try to get your child enrolled in dental plan at an age at which no check for pre-existing conditions is required. Mileage will vary with various insurers, e.g. some do not require a check in the first three years.

This of course means you will likely be paying dental insurance from age three onwards...
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Old 18.01.2018, 11:22
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Re: Dental insurance

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when I was referring to 20bucks/month of supplementary dental insurance for "50% off per treatment, up to 500CHF per year" model (btw, it was offer by SWICA), it clearly said that it costs about 20 bucks per month. Not sure where you got your ideas that it's way more expensive.

also, I can't see any small print that the dental insurance is not valid for any pre-existing conditions.
They will make you answer a questionnaire and go to an examination and then deny coverage.
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