If you are going to take out new health insurance for next year, it is wise to pay a visit to the dentist. Are you not marking anything? Then your additional dental insurance is often superfluous.
Research by a research agency shows that approximately 80% of the Dutch have additional insurance. 77% of this group also has dental insurance. This survey also shows that one in three do not use this. It is often a lot cheaper to pay for the biennial check-up out of your own pocket than to pay for the premium of the dental insurance.
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The basic insurance does not reimburse dental costs in the Netherlands. Certain surgical procedures are excluded from this. Do you regularly suffer from cavities, do you need a bridge or a crown? Then this is not reimbursed by the basic insurance. With supplementary dental insurance, you often get some of the costs back.
The costs and coverage for dental insurance vary per insurer. There are insurance policies ranging from about seven euros per month to almost sixty euros. The cover most often chosen by the Dutch is that of 250 euros per year with a reimbursement of 75%. The costs for this are on average 147.50 per year.
According to the research agency, people on average spend less money on the dentist than the premium they pay. For example, insured people lose an average of 128 euros per year. Do you go to the dentist twice a year for a check-up? Then you have lost an average of 44.32 euros. Adding a visit to the dental hygienists to this, you arrive at 123 euros per year.
Dental insurance is therefore relatively expensive if you look at what you get in return. Do you have good teeth? Then it can be cheaper to pay for the check-ups and the dental hygienist yourself. Do you only have basic insurance and do you need to have your wisdom teeth pulled? No worries! Treatments in hospital are covered by the basic insurance. Of course you still have to deal with the deductible of at least 385 euros.
Source:rtlnieuws.nl
