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Old 14.01.2021, 17:19
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Dental insurance for 2 years old

Hello all,

I have 0 knowledge for dental insurance for my 2 year old in Switzerland. Typically when do Swiss kids start paying for supplementary dental insurance?
Is there somewhere a comparison in English for the companies offering this (with the monthly costs of each one and what they cover)? How much does it typically cost? Any recommendations?

Thanks to anyone who can help!
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  #2  
Old 14.01.2021, 17:23
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Re: Dental insurance for 2 years old

Most people don't bother.

Tom
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Old 14.01.2021, 18:30
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Re: Dental insurance for 2 years old

i honestly never understand the point of dental insurance unless your employer pays most or all the cost. most people's dental expenses are pretty predicable and for the rare case you may need something expensive it can't get that pricey compared to medical costs.

every time i've looked at dental insurance it basically ends up being more than just paying the dentist for a couple of cleanings and the occasional procedure.
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Old 14.01.2021, 18:42
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Re: Dental insurance for 2 years old

Dental insurance makes sense for children if you get the orthodontic cover.
Braces are very expensive here.
There is a cut off age for getting dental cover for children without having to have a dental examination beforehand. The age varies depending on the insurance company but itís quite often 3 although for some companies it may be 5 or 6.
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Old 14.01.2021, 18:59
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Re: Dental insurance for 2 years old

When my kids had braces, the local community paid some of cost. For us it amounted to a 100 francs a year, but for less well off folk, it could be covered entirely.

Check where you live what is provided. But insurance? Nah!
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Old 14.01.2021, 21:31
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Re: Dental insurance for 2 years old

Dental insurance being a supplementary insurance will most likely only be available if you have either basic or a hospital supplementary with a company, it's a product that will not be sold on its own.

Hence your best bet is to check your insurance (s) first and ask the prices and age limit to enter without questionnaire.

The one dental insurance I always thought was worth it is Groupe Mutuel. Cheap and a lot of coverage. However I don't like them as a company as slow, buggy etc.

We currently pay circa 30 CHF a month per child. That means that by age 10 we will have paid roughly 5K each which is half or more of the price of a brace and having both worn braces we knew we wanted it. Plus they have reimbursed the cleaning, x-rays for normal check ups etc.

2 additional points of info:
-Depending where you are yearly check ups are done via school and free up to a certain age
-Accidents to teeth are covered by basic insurance

K
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Old 14.01.2021, 21:53
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Re: Dental insurance for 2 years old

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Dental insurance being a supplementary insurance will most likely only be available if you have either basic or a hospital supplementary with a company, it's a product that will not be sold on its own.

Hence your best bet is to check your insurance (s) first and ask the prices and age limit to enter without questionnaire.

The one dental insurance I always thought was worth it is Groupe Mutuel. Cheap and a lot of coverage. However I don't like them as a company as slow, buggy etc.

We currently pay circa 30 CHF a month per child. That means that by age 10 we will have paid roughly 5K each which is half or more of the price of a brace and having both worn braces we knew we wanted it. Plus they have reimbursed the cleaning, x-rays for normal check ups etc.

2 additional points of info:
-Depending where you are yearly check ups are done via school and free up to a certain age
-Accidents to teeth are covered by basic insurance

K
My daughters supplementary dental insurance is not with her basic healthcare insurance provider
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Old 14.01.2021, 22:04
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Re: Dental insurance for 2 years old

Dental insurance is a stand alone insurance and doesnít have to be with the same insurer as the basic insurance.
There are various different possibilities for dental insurance.
Itís possible to have insurance just for orthodontic cover.
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Old 15.01.2021, 07:48
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Re: Dental insurance for 2 years old

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Dental insurance is a stand alone insurance and doesnít have to be with the same insurer as the basic insurance.
There are various different possibilities for dental insurance.
Itís possible to have insurance just for orthodontic cover.
Are you sure? The couple I looked at had in their AGB that they would only be issued if you had other basic or hospital insurance with the provider. Might be down to individual company though. Will ask again!
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Old 15.01.2021, 07:49
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Re: Dental insurance for 2 years old

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My daughters supplementary dental insurance is not with her basic healthcare insurance provider
Is it standalone or with your supplementary insurance or is it with an old provider where you had basic and switched? And if none of those, can you tell me which one as am looking for one!

Thanks
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Old 15.01.2021, 08:23
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Re: Dental insurance for 2 years old

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Are you sure? The couple I looked at had in their AGB that they would only be issued if you had other basic or hospital insurance with the provider. Might be down to individual company though. Will ask again!
Pretty sure although ours was a few years ago now so it might have changed.

We had orthodontic cover for our son with Groupe Mutuel but our basic insurance was with Intras and the supplementary with CSS. We looked at a few companies for the dental stuff before settling on GM and none of them required us to have other insurance with them.
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Old 15.01.2021, 08:44
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Re: Dental insurance for 2 years old

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Pretty sure although ours was a few years ago now so it might have changed.

We had orthodontic cover for our son with Groupe Mutuel but our basic insurance was with Intras and the supplementary with CSS. We looked at a few companies for the dental stuff before settling on GM and none of them required us to have other insurance with them.
Thank you. Will have a look again at GM - have written to them so let's see. I always thought GM was the best dental ever
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Old 15.01.2021, 09:06
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Re: Dental insurance for 2 years old

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Thank you. Will have a look again at GM - have written to them so let's see. I always thought GM was the best dental ever
It did offer the best cover and value for money when we got it and they covered all* my sonís orthodontic work. He has beautiful teeth now.

*If I remember rightly it was 90% of the total cost up to a maximum of 20000 chf per year but Iíd have to dig out the paperwork to check that.
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Old 15.01.2021, 09:07
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Re: Dental insurance for 2 years old

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It did offer the best cover and value for money when we got it and they covered all* my sonís orthodontic work. He has beautiful teeth now.

*If I remember rightly it was 90% of the total cost up to a maximum of 20000 chf per year but Iíd have to dig out the paperwork to check that.
No worries, know it as we were with them up until 2017. Something like 75% up to 15K. Thanks!
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