A good supplemental dental insurance policy isn't defined by its price , but by the clear and comprehensive coverage outlined in its terms and conditions . Important criteria include:
Scope of services
Does the plan cover all essential treatments?
This includes: dental prosthetics (implants, crowns, bridges), dental treatments, orthodontics, prophylaxis.
Amount of reimbursement
Check if the plan 100% of the costs for high-quality materials and modern treatment methods.
Pay attention to annual or lifetime limits – good tariffs do not impose unnecessary restrictions here.
Waiver of objections
Many premium tariffs waive reductions in cases of gross negligence or self-inflicted harm.
This is crucial when damage results from an everyday oversight.
Waiting times and exclusions
Short or no waiting times for dental treatments are a plus.
Exclusions should be clearly defined – and should not affect too many relevant risks.
Transparent contract terms
Good tariffs clearly describe when and how payment is made .
Phrases like "up to" or "can be adopted" are a warning sign.
In conclusion:
The best supplemental dental insurance offers comprehensive protection, reliable payouts, and transparency . Those who consider these criteria consciously choose a policy that truly helps when it matters most – not just one that looks good on paper.