Question on accident needing ongoing dental treatment
Hi, I have a question concerning ongoing dental treatment from an historic accident of a child and I hope someone can help as we are just getting shunted between insurance companies. I apologise in advance for the long read! Brief backgound
In May 2006 when my daughter was 8 she had an accident that resulted in her requiring dental treatment for gums and teeth. We had normal health insurance and an additional dental insurance. Both with the same provider. She had ongoing treatment over a number of years with the dentist and at Basel hospital until it reached the point where they stabilised her front teeth and said that further treatment would be required once she reached adulthood and her jaw stopped growing. Until that point the insurance company had covered all the treatment related to the accident. Siutation now
Now both the dentist and hospital are saying it is time to have further treatment on the teeth as they are not stable anymore and as her jaw is no longer growing it is the right time to continue treatment. As the damage was a result of the accident we were informed that the insurance should pay for all ongoing treatment. Since the accident, we have changed (in 2016) the insurance provider and assumed it would be the insurance company we were insured with at the time of the accident that would pay the costs for further treatment. My daughter still has a supplementary insurance with the original company.
However this company is saying that they will not pay for further treatment and the insurance company that my daughter is with now should pay. That insurance company is saying no, that is not correct, the original company should pay. We are getting nowhere.
Can anyone advise us what we can do? Is the original provider legally obliged to cover the accident costs? Would this be written somewhere?
I hope you managed to get to the end! Thanks for reading.
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