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Old 04.01.2021, 15:53
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Health insurance - dental 'extra'

Hi members,

I enrolled for health insurance a couple of years ago but did not elect to have the additional dental cover.

I am now looking at adding it, but is seems like the insurance company wants to confirm that i will not require work before it authorizes the extra. It is asking for a history, plus any recent vists, plus for any subsequent dentist vists, a questionairre will be provided for the dentist to complete (future). they have also suggested it is recommended that the extra is for 5 years, but i may not have gotten the translating right as it was browser based.

This seems to be a. intrusive, and b. Wanting to get free money by ensuring that they do not need to pay out. As far as i see it, i have been paying them 700 plus per month, for 2 years with little claims at all. I am certainly not used to insurers behaving this way, in other countries ive lived they have been more reasonable (give and take) and still made lots of money.

My question - where is the line drawn about how much information and how intrusive the insurer can be, under swiss law?
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Old 04.01.2021, 16:03
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Re: Health insurance - dental 'extra'

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This seems to be a. intrusive, and b. Wanting to get free money by ensuring that they do not need to pay out. As far as i see it, i have been paying them 700 plus per month, for 2 years with little claims at all. I am certainly not used to insurers behaving this way, in other countries ive lived they have been more reasonable (give and take) and still made lots of money.

The entire idea behind insurance is that it is a shared risk, it works because the majoring of participants will not make a claim! You have paid nothing in respect of dental treatment up to now and expecting them to take on a risk without checking for a preexisting condition is ridiculous, especially given the potential costs involved.


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My question - where is the line drawn about how much information and how intrusive the insurer can be, under swiss law?

As with insurance pretty much everywhere, including Australia, you are required to provide all relevant information, even if not asked.
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Old 04.01.2021, 16:27
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Re: Health insurance - dental 'extra'

I love the - I told you so commenters in these forums. I hope you feel better by getting that off your chest and also not answering the question.
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Old 04.01.2021, 16:34
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Re: Health insurance - dental 'extra'

Standard procedure. They will insure your teeth, but not for any work needed before your joining date.
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Old 04.01.2021, 16:40
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Re: Health insurance - dental 'extra'

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Hi members,

I enrolled for health insurance a couple of years ago but did not elect to have the additional dental cover.

I am now looking at adding it, but is seems like the insurance company wants to confirm that i will not require work before it authorizes the extra. It is asking for a history, plus any recent vists, plus for any subsequent dentist vists, a questionairre will be provided for the dentist to complete (future). they have also suggested it is recommended that the extra is for 5 years, but i may not have gotten the translating right as it was browser based.

This seems to be a. intrusive, and b. Wanting to get free money by ensuring that they do not need to pay out. As far as i see it, i have been paying them 700 plus per month, for 2 years with little claims at all. I am certainly not used to insurers behaving this way, in other countries ive lived they have been more reasonable (give and take) and still made lots of money.

My question - where is the line drawn about how much information and how intrusive the insurer can be, under swiss law?
You could look for an insurer that works in English, so you remove that problem from your list. I remember someone else in the forum mentioned CSS. Think about it for Oct-Nov 2021.

Concerning questions on your past illness, I guess they can ask whatever about your past treatments. Dental insurance is not part of the basic compulsory package, less regulated by laws.
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Old 04.01.2021, 16:45
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Re: Health insurance - dental 'extra'

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I love the - I told you so commenters in these forums. I hope you feel better by getting that off your chest and also not answering the question.
Jim has answered your question, the insurance company requiring for a history of previous dental work and an assessment by your current dentist is the norm. A recent set of x-rays is also usually asked for.
They are not being unnecessarily intrusive, nor asking questions just for the sake of it.

Once they have the paperwork the insurance company will then decide if they're willing to offer you dental insurance; they can (and will) exclude teeth that have previously had extensive work, and often refuse to cover wisdom tooth extraction.

Be aware that this insurance usually has a separate annual franchise to your health cover, as well as an annual payable sum.
If the forms bother you so much it might be better to simply put an amount in a saving account to cover future dental work.
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Old 04.01.2021, 16:49
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Re: Health insurance - dental 'extra'

They can ask you what they like as it is a private institution and dental insurance is not "protected" - for basic insurance they cannot ask anything and not refuse anything.

Teh questionnaire is pretty simple, with a check up the dentist can fill it. They may charge an admin fee for this.

As with all insurances, they are trying to diminish their risk and when someone suddenly wants to take up the product, they are naturally suspicious.

Anyway, if there is nothing to hide and if you are not trying to pull a fast one, just fill thier questionnaire and be done and have your insurance.

Just be sure it is worth it, I find very few are. Groupe Mutuel was but for example the latest ones I looked (Visana, Swica and Sanitas) I find the premiums vs payout is not worth it at all.
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Old 04.01.2021, 18:55
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Re: Health insurance - dental 'extra'

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I love the - I told you so commenters in these forums. I hope you feel better by getting that off your chest and also not answering the question.
...and I hate the posters who get snotty when they don't get the answer they want to hear.
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Old 04.01.2021, 19:31
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Re: Health insurance - dental 'extra'

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Jim has answered your question, the insurance company requiring for a history of previous dental work and an assessment by your current dentist is the norm. A recent set of x-rays is also usually asked for.
They are not being unnecessarily intrusive, nor asking questions just for the sake of it.

Once they have the paperwork the insurance company will then decide if they're willing to offer you dental insurance; they can (and will) exclude teeth that have previously had extensive work, and often refuse to cover wisdom tooth extraction.

Be aware that this insurance usually has a separate annual franchise to your health cover, as well as an annual payable sum.
If the forms bother you so much it might be better to simply put an amount in a saving account to cover future dental work.
Thanks for the suggestions, I think the language barrier may be part of the issue, it would also be made easier if health records were all digital, but most of my previous providers have not provided this.
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Old 04.01.2021, 19:33
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Re: Health insurance - dental 'extra'

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...and I hate the posters who get snotty when they don't get the answer they want to hear.
Im just trying to understand the process better, hence my question. You can leave your righteousness outside the forum as humility and understanding are far better qualities. Im not trying pull a trick here.
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Old 04.01.2021, 20:08
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Re: Health insurance - dental 'extra'

It is the same procedure for all supplemental insurance. You have to declare EVERY SINGLE pre-exisiting condition- and if you have certain conditions- they just refuse to insure you for any supplemental (as happened to both of us) - not just for teeth. It is not 'nice' for sure, but it is how insurance works.

Later edit- often, just age will decide, irrespective of pre-existing conditions. Are you British? Have you tried to join BUPA, Spire, Nuffiled, private care?

Last edited by JackieH; 04.01.2021 at 22:02.
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Old 04.01.2021, 20:43
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Re: Health insurance - dental 'extra'

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Im just trying to understand the process better, hence my question. You can leave your righteousness outside the forum as humility and understanding are far better qualities. Im not trying pull a trick here.
Getting arsey with perfectly normal responses is not the best way to get help though, is it?

It's pretty obvious that any insurance company that allowed you to take out dental cover without any history would soon be out of business, given that the vast majority of their market in that case would be people who know they're likely to need some serious dental work in the near future.

I can think of only one analogy, that of an extended car warranty, which in some places can be offered (yes, by an insurance company) on a second-hand car independently from any manufacturer's guarantee. In such a case they need to be satisfied that the car had been properly maintained to the required standard, had not been involved in a serious accident and did not have any known problems. Does this sound unreasonable to you too?

Oh, and to answer your question re: Swiss Law, they can ask you as much as they like, it's a private contract between you and them, so if you don't agree to their conditions, however instrusive uyou may think them, they have every right to turn you away.
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Old 04.01.2021, 21:54
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Re: Health insurance - dental 'extra'

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I love the - I told you so commenters in these forums. I hope you feel better by getting that off your chest and also not answering the question.
I did answer your question, read the last line. Of course it’s not the answer you wanted.
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