What does dental insurance cover?

Dental insurance is an essential tool for those who want to take care of their and their family's oral health without facing unforeseen expenses. Unlike general health insurance, dental insurance is specifically designed to cover dental treatments and dentistry-related procedures. But what exactly does dental insurance cover? dental insurance? Here are the main common aspects included in these policies.
 

First, it is important to note that the cover in most dental insurance policies is divided into categories, which can vary depending on the company and the type of insurance chosen. However, these are the most common categories: preventive care, basic treatments and complex treatments.
 

Preventive care includes essential services that help maintain oral health and detect problems before they become more serious conditions. Some of the most common services and treatments that are usually included at no additional cost in dental insurance are the following: regular dental examinations, dental cleanings, X-rays and dental sealants. These procedures are not only essential for dental health, but also usually fully covered in many insurance policies, which encourages prevention and regular care.
 

The basic treatment category includes services required to treat minor dental problems. These may include fillings, extractions, root canal treatments or endodontics, and certain crowns. Depending on the type of insurance, a percentage of these services are usually covered, that is, the insured person only pays part of the treatment's price. This level of cover is crucial, as these treatments are common and can entail a major expense if paid in full.
 

Lastly, complex treatments are the most expensive procedures, and these include orthodontics, bridges and implants. This type of treatment is usually very expensive, and in general dental insurance will cover a percentage, which in the case of DKV ranges between 30% and 40%. One must check each policy's limits so as to better consider the financial implications.

It is also important to note that some policies may include additional dental care services, such as whitening, dental accidents, gum treatment or even emergency care. However, this varies widely among the different types of insurance on the insurance market.
 

This is what DKV's dental insurance covers:

• All dental specialities: general dentistry, paediatric dentistry, surgical dentistry, cosmetic dentistry, implants, radiology, dental diagnosis and dental emergencies.

• Cover for serious dental accidents if it involves more than three teeth, we will reimburse the costs of the treatment (maximum 6,000 euros)

• Preventive dentistry: gel or fluoride applications, mouth cleaning. Dental extractions included.

• Discounts of up to 40% in other treatments, such as teeth whitening and ceramic veneers. As well as orthodontics and splints. This involves saving up to €600 in orthodontic treatments, cutting-edge technology in invisible orthodontics, splints to treat bruxism, etc.

• Helplines to attend your queries: 24-hour general medicine, pregnancy, women's' health, nutrition and psycho-emotional health.

Did you know that DKV Dentisalud is free for children under 14 years old? Remember that children may require different treatments, and when they become adolescents, they may have to undergo treatments, such as orthodontics, which are expensive and dental insurance provides at a significant discount to families.

In short, dental insurance can be a valuable investment in maintaining oral health. From preventive care to more complex treatments, dental insurance provides a financial safety net and access to services required to keep good dental health. You must read the insurance terms and conditions to make sure that it suits your individual and family needs.