Using Supplemental Dental Insurance: A Guide for Insureds
You purchased additional dental insurance – what to do next? In this article, we'll walk you through how to use your supplemental dental insurance policy, pay for it, and get the quality care you need.
We will review the key points and provide step-by-step instructions for use. Zahnzusatzversicherung.
Your smile is in good hands: dental insurance!
You already have supplemental dental insurance
1 step
I recently concluded Zahnzusatzversicherung. What are my next steps?
The agreement comes into legal force after debiting the first payment under the agreement. It is recommended to install the insurance company's mobile application (if it has one) or set up a Personal Account on your insurance company's website. After registration, some companies send an access password by paper mail.
2 step
What should I show the doctor when visiting? Do I need to disclose that I have supplemental dental health insurance?
You are not required to report whether you have additional health insurance. Moreover, if you do not trust the doctor, we do not recommend report this information. There are cases that, knowing about the availability of additional dental insurance, dishonest doctors can “treat” healthy teeth.
3 step
How can I get a filling made from modern high-quality material?
It is recommended to inform your doctor about your desire to have a high-quality filling; he will offer a “free” option under the state health insurance GKV and high-quality options for an additional fee, which will be covered by additional dental insurance. Choose quality material!
4 step
After your appointment you will receive an invoice (Rechnung),
Sometimes it is sent by mail, with different payment terms. You pay the bill yourself and send a photo of the bill to the insurance company (via the Application or Personal Account). The insurance company returns the cost of treatment to your account.
If the payment period is, for example, 30 days, then compensation from the insurance company most often arrives faster than the due date for payment to the doctor. For cleanings and fillings, money usually arrives within a week, for something more serious – 2-3 weeks.
5 step
Do I need to send a treatment plan to the insurance company?
If we are talking about expensive treatment (usually over 1000 euros), then it is strongly recommended to send the treatment plan to the insurance company for approval.
6 step
Do I need to send my treatment plan to my state health insurance company?
Yes, definitely, because... Some additional dental insurances have a penalty for refusing to pay part of the state bill. insurance.
Check to see if your doctor has already sent your plan to your state health insurance.
All about paying for insurance
- How does the payment process work? In most cases, it was necessary to sign a SEPA mandate, which involved automatic debiting of funds from your account. Payment by Pay-Pal or by invoice (Rechnung) is sometimes accepted.
- Will the tariff cost change? Most often, the cost changes every 10 years - at 21, 31, 41, 51 and 61 years. Sometimes there is an increase step every 5 years.
- If the insurance company unexpectedly increases the price, what can I do? You have the right to terminate the contract in a special manner - Sonderkündigung, within 30 days from the date of the increase.
- Is there a family dental plan? No, a separate tariff is concluded and paid for each person.
F.A.Q.
There is no waiting time (Wartezeit) in our offers; you can go to your appointment immediately after taking out your insurance.
These rates most often apply only to prosthetics. This means that the state health insurance (GKV) together with the additional health insurance will pay 80% or 90% of the bill. Your share will be 20% or 10% respectively.
This means that 100% of the costs are borne by the insurance company - for medical services: up to 3,5 times the fee rate, for laboratory services: up to 1,3 times the fee rate, for medical and technical services: up to 2,5 times the fee rate .
Any insurance contract can be canceled without giving reasons within 14 days after conclusion. You need to write Widerruf. Further, the break - Kündigung can be carried out according to the terms of the contract. Usually the minimum contract period is 1-2 years. If you do not terminate the contract, the renewal occurs automatically.
Required report your departure to your insurance company! You have the right to terminate, because Additional medical insurance is valid only if you have state insurance.
The insurance coverage limit increases annually by approximately for 1000-1500 euros. It is recommended to enter into a contract with an annual increase in the limit of 1500 euros.
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Today, it is important for every person to have strong, white, even teeth. And this is not just a health issue. This is a good mood and self-confidence. Smile
