Dental coverage for families

Dental health is a key part of family wellbeing. Checkups, cleanings, fillings, orthodontics, or gum treatments can crop up at any time. And when there are several people in the house, these expenses can quickly add up.

Having dental cover in a family health insurance plan helps prevent problems, organise the budget, and take care of everyone's oral health more easily.

Why is dental coverage important for a family?

Each stage of life has different needs:

• In childhood: check-ups, prevention, sealants or fillings.

• In adolescence: orthodontics.

• In adults: 1 cleaning/year, splints, periodontal treatments or implants.

Having dental coverage allows you to access these services in a more planned way and with the prices known in advance. Furthermore, it fosters prevention, which is key to avoiding more complex treatments in the long term.

Dental coverage in DKV family health insurance plans

In addition to specific dental insurance, DKV also incorporates dental coverage within its family health insurance policies.

In products like DKV Integral, this basic dental coverage is included at no extra cost and provides access to more than 50 dental services within the contracted network at no cost.

Among the included services are:

• Dental consultations and check-ups.

• Diagnosis and basic tests.

• Mouth cleaning.

In addition, for treatments not covered, insured persons can access reduced prices and discounts on other dental services, which helps control spending even on more complex treatments.

What do DKV dental insurance plans cover?

DKV Dentisalud provides access to a network of clinics and professionals with a coverage structure based on:

• Services included (at no additional cost).

• Services with an excess (reduced prices).

The most common included services are:

• Consultations and reviews.

• Diagnosis and treatment plan.

• Basic X-rays.

• Mouth cleaning.

• Fluoride treatments and dental hygiene education.

This is especially useful for families, where regular checkups are frequent.

DKV Dentisalud Classic vs DKV Dentisalud Elite: key differences

DKV offers different options, including DKV Dentisalud Classic and DKV Dentisalud Elite:

• DKV Dentisalud Classic: with nothing missing in general and with a standard excess.

• DKV Dentisalud Élite: Lower excess for many treatments, although with shortcomings in some areas.

This allows you to choose according to the intended use:

• Immediate use → DKV Dentisalud Classic

• Intensive medium-term use → DKV Dentisalud Elite

Illustrative cost examples for a family

The following examples are approximate and serve to illustrate how dental expenses can vary with and without coverage.

Cleanings for the whole family

With DKV Dentisalud, cleanings and check-ups are included.

Without insurance, a cleaning can cost between 40 and 80 euros per person, approximately.

For a family of four, this means between 160 and 320 euros per year.

Fillings for children

With DKV Dentisalud Classic, a children's filling can have an excess of around 35 euros.

With DKV Dentisalud Elite, this type of treatment may be included in certain cases.

In a private clinic, a filling can cost between 40 and 100 euros per tooth.

This means that, with multiple treatments, the cost can quickly multiply without coverage.

Orthodontics in teenagers

With DKV:

• Fixed appliances: from 600–680 euros.

• Check-ups: around 30 euros per visit.

A complete treatment can be around 950–1,040 euros, according to the modality.

Without insurance, orthodontic treatment can easily fall between 1,500 and 2,500 euros or more, depending on the case and duration. These prices are indicative and may vary depending on the diagnosis, clinic and complexity of the treatment.

Dental implant in adults

With DKV:

• Implant + crown: approximately 875–975 euros.

Without coverage, the cost can exceed 1,000 euros and increase depending on tests, surgery, or materials. These prices are indicative and may vary depending on the diagnosis, duration of the treatment, and other elements.