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 procedures related to dentistry. But, what exactly is covered by dental insurance? Here are the main common aspects included in these policies.
 

Main categories of cover in dental insurance

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

• Complex treatments

What does preventive care include?

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 exams

• Professional dental cleanings

• Dental X-rays

• 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.
 

Basic treatments covered by dental insurance

Basic treatments include services required to treat minor dental problems. This may include:

• Fillings

• Dental extractions

• Root canal treatments or endodontics

• Dental crowns in certain cases

These treatments are usually partially covered, so the insured person typically pays a portion of the total cost, depending on the policy and the chosen option.
 

Complex treatments included in dental insurance

Complex treatments include procedures with high costs, such as:

• Orthodontics

• Dental prostheses

• Implants

These treatments are usually partially covered. For example, at DKV, dental insurance covers between 30% and 40% of the cost, but it's essential to review the specific terms of each policy to understand the limitations and final costs.
 

Additional services that dental insurance may cover

In addition to the aforementioned cover, some policies may include additional services such as:

• Teeth whitening

• Dental accident care

• Gum treatments

• Emergency dental care

These services often vary greatly between insurers and types of insurance, so it's always a good idea to review the insurance terms and conditions in detail.
 

What does the DKV dental insurance cover?

• All dental specialities: Oral and Maxillofacial Surgery, Dental diagnosis, Root canal treatment, Cosmetic dentistry, Implants, General and Conservative Dentistry, Paediatric dentistry, Orthodontics, Periodontology, Dental X-rays, Treatments under sedation, Dental emergencies.

• Cover for serious dental accidents: if more than three teeth are affected, the costs of the treatment will be reimbursed up to 6,000 euros.

• Preventive dentistry: gel or fluoride applications, teeth cleaning, sealing and oral health education, including dental extraction.

• Discounts of up to 40% on treatments such as tooth whitening, porcelain veneers, orthodontics and mouth guards to treat bruxism, with savings of up to €600 on orthodontics treatment and access to advanced technology.

• 24-hour medical helplines: for consultations on general medicine, pregnancy, women's health, nutrition and psycho-emotional health.

Did you know that in DKV Dentisalud the insurance is free for children under 14? This offers great support for families facing dental treatments during childhood and adolescence, such as orthodontics, which involve considerable expense but with significant discounts thanks to dental insurance.
 

Dental insurance can be a valuable investment to maintain good oral hygiene and also avoid unexpected expenses. From preventive care to complex treatments, dental insurance provides a financial safety net and access to essential services. It's essential to carefully read the terms of each policy to ensure it covers what you and your family need.