Dental Insurance: Insurance policies without wait on the rise survey FinanceScout24 rising demand from insured patients for the extra protection
- policies without waiting and health check on the rise
- Comprehensive reimbursement offer only tooth preservation and comfort rates
supplementary health insurance is increasingly important and popular: because the deficits of the funds go up again and they react with benefit cuts to close customer impending gaps increased with additional insurance. In this way they avoid a doctor visit large holes in the household budget breaks. In particular, dental treatments can be expensive for patients who do not hedge in addition. However: if you want to take out dental auxiliary Police is not around it to study prices and tariffs, exactly. A computer comparison to that of the independent consumer and financial portal FinanceScout24 helps.
remember many law insured that the power of statutory health insurance covers long since not all treatments, including many whose medical benefits would no doubt. This shows that also this year on rising demand for private supplementary insurance. are especially dental supplementary insurance policies "of the runaway success," according to the Insurance Board, for example, Bavaria. A survey of FinanceScout24 from leading suppliers could confirm this trend.
But especially in the dental insurance there are different prices, rates and conditions. The cheapest quote is not always the best. "Customers should make prior to the conclusion necessarily thinking about what treatments they want to cover with his dental insurance," advises Dr. Errit Castle Berger, managing director of FinanceScout24. Rates and services of individual dental insurance would vary considerably.
Most rates are pure dental rates. In this distinction is often made between simple includes dentures, bridges, crowns and dentures, and covers a denture, which is also more expensive versions and treatments. The latter funded, for example, implants and ceramic crowns. Depending on the policy, the grant may be up to 90 percent. In each case insured should ensure that at least 50 percent of the total costs are covered by insurance. Pure dental rates are already getting a monthly basis from seven euros.
However, there are two other types of dental add-on policies: the so-called tooth preservation and convenience charges. These are suitable for customers who want not only in the case of tooth loss, financial aid, but also know the tooth receiving subsidized want. These enhanced policies are necessary because, for example, be taken into periodontitis and root canal treatment is no longer in full by the statutory funds. Legally get insurance for such treatments quickly presented a bill 500-700 €. Who are these Cost afraid because he has to carry itself, and therefore is not for dental care, long-term risks the loss of teeth, what is the bottom line is even more expensive.
In addition are those tooth preservation and combined rates often, in whole or in part, on the cost of professional teeth cleaning, for plastic fillings and orthodontics. Especially for children who may require braces, can be worth so at an early age, a supplementary insurance. Combined monthly rates are available starting at 20 euros. Graduated, their rates by age and gender.
are more recently rates without medical examination and some come without waiting for the market. About a third of the surveyed FinanceScout24 companies including AXA, Halle, Munich society, R + V and Signal Iduna, offer such policies. For customers with impending dental treatments, general bad teeth, missing teeth or existing rates seem to be the hoped for rescue. However, there are two hooks: on the one found in the terms and conditions of all such insurance, a clause which makes clear that, for in the contract missing and not replaced teeth, and for measures that have been advised prior to the commencement or initiated, no insurance coverage. In the "fine print" of some Policies are also the adjacent teeth, called abutment teeth excluded. The number of pre-existing missing teeth can be crucial to acceptance of contract by the insurer.
The second hook, which many tariffs have no waiting time, are staggered by year, the maximum benefit amounts. This may mean that, for example, only an amount of 250 € will be refunded in the first year of insurance. This will allow the provider to ensure that patients do not complete the first supplementary, can then remold the teeth and then cancel their contract again. For this reason many insurers have adopted minimum terms, which usually amount to two years. FinanceScout24 Managing Schlossberg: "A careful look at the fine print is worthwhile in any case. Consumers should think carefully before completion, the services they need and how much they are willing to pay for it. A detailed comparison insurance
www.financescout24.de helps to identify differences between the rates of price and performance, "Press
at FinanceScout24.
Dr. Guenter Kast
Rosenheimerstraße
143b 81671 Munich
Tel: + 49 ( 0) 89,189,690,205
E-mail: guenter.kast (at financescout24.de)
www.financescout24.de About FinanceScout24: The FinanceScout24 GmbH operates one of the largest German financial portals on the Internet and offers its users a free comparison and online accounts of insurance companies, products for pension plans, mortgages, installment loans, investment products, electricity, gas and telecommunications rates. This ensures FinanceScout24 transparency in all relevant financial decisions.
FinanceScout24 Scout24 is part of the group, which offers about 8 million people a month use. As a strong partner Scout24 its customers in key decisions, especially in the areas of life, home, mobility, employment, dating, and finance. Besides FinanceScout24 include AutoScout24, ElectronicScout24, FriendScout24, ImmobilienScout24, JobScout24 and TravelScout24 and the portal to Jobs.de Scout24 Group. Scout24 is part of the German Telekom Group.
Source: openPR
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