Mandatory basic insurance only covers dental treatment resulting from “serious, unavoidable” diseases of the masticatory system or a “serious general medical condition” (such as leukaemia or acromegaly).
Unfortunately, it does not usually cover orthodontic treatment involving braces or brackets.
Tooth extractions, fillings and dental hygiene treatments are not normally reimbursed through basic insurance either.
How much does supplemental insurance pay?
It's worth taking out a supplemental outpatient insurance policy early on, because many health insurers only contribute towards the cost of orthodontic treatment if the need is diagnosed after the insurance has been taken out. In addition, some health insurers stipulate a qualifying period (waiting period), which can be anything from 6 months to 3 years. Take out a supplemental insurance policy for outpatient services before your child requires a doctor's certificate. All insurers will ask for this after a certain age, some as soon as after the 3rd birthday.
Orthodontic treatment for children and adolescents is primarily covered by outpatient health insurance supplements. It’s important to compare supplemental insurance products as the benefits differ considerably from insurer to insurer. Depending on the policy, only 50 to 80 per cent of the dental treatment costs will be reimbursed.
With some health insurance supplements, the annual contributions are limited – in some cases to a few thousand francs per year. But the cost of orthodontic treatment can quickly escalate to over 5,000 francs.
The premiums cost between 10 and 20 francs per month and per child. Some health insurers require you to take out a separate policy for supplemental dental insurance. This often works out more expensive than the general package deals.