Is dental insurance worth it?

What dental insurance is and why it can be worth it

Oral health is essential to general health and well-being, but not everyone gives it the importance it deserves. Given the high cost of some dental treatments, and the growing concern for maintaining good oral health, the question arises: Do you need dental insurance?
 

Benefits of taking out dental insurance

Dental insurance may seem like an additional expense in the family budget, but it is worth considering from different perspectives:

Cover for preventive treatments

1. Firstly, dental insurance usually covers several preventive treatments, such as cleaning, annual check-ups and X-rays. This is essential for detecting dental problems in their early stages. By investing in dental insurance, people are more likely to make regular trips to the dentist, which in the long run, will prevent more costly dental treatment, such as advanced tooth decay or periodontal diseases.

Savings on expensive treatments

2. Secondly, although the monthly cost of dental insurance may vary, the cost of an operation, such as orthodontic treatment or implantology, may be considerably higher. Dental insurance may cover between 30% and 100% of certain procedures, and could be very cost-effective. For example, an orthodontic treatment can start at €1,200 for the simplest cases, and having insurance that covers part of this cost can make a big difference.

Key aspects to find out if a dental insurance policy is actually worth it

However, it is important to understand the terms and conditions of the insurance before making a decision. Not all insurance policies offer the same coverage, and some may have waiting periods for certain treatment.

For DKV dental insurance policies, there is no waiting period for treatments, i.e. you can use the insurance from day one, in addition to the fact that there is no limit on the number of dental treatments, plus pre-existing conditions are not taken into account when taking out the insurance, which means that anyone can take out dental insurance, regardless of previous treatments or their oral health.

Therefore, before taking out dental insurance, you should read the small print to find out how many treatments can be carried out each year and how many in-network practitioners are available in the DKV medical directory. DKV has more than 1,460 affiliated dental clinics and over 2,710 healthcare professionals.

Dental insurance can be a valuable investment for those who want to maintain good oral hygiene and also avoid unexpected dental expenses.

Although it may seem like an additional expense, the long-term benefits, both in terms of economic savings and health, can make it worthwhile. Assessing the available options and understanding individual needs is crucial to determining whether a dental insurance would be suitable for each person.