Is supplementary dental care insurance essential?

Critics of the project invoked in particular the fact that the oral health of the Vaudois, like that of the Swiss population in general, was excellent.

The Swiss show exemplary results in terms of oral health. Thanks to prophylaxis campaigns as well as school dental care, the presence of cavities in children and young people decreased significantly between the 1960s and the 2000s.

Does this necessarily mean that you can do without supplementary dental insurance?

If the Swiss model of dental care is based on individual responsibility and that having good dental hygiene can prevent many problems, this does not necessarily mean that all pathologies related to teeth are avoidable.

Indeed, it has been proven that factors other than oral hygiene can cause the appearance of dental caries (heredity for example). In addition, depending on your age and state of health, you will be more or less subject to certain oral risks. Thus, children often have to wear braces and seniors are more likely to need a dental prosthesis.

How much does dental care in Switzerland cost?

The cost of dental care provided in Switzerland depends on the type of care performed as well as the practitioner. It is also advisable to ask for several quotes for an important treatment such as the installation of a crown or an inlay example.

However, we can present you with a price range for the following treatments:

  • Treatment of dental caries: from CHF 200.- to CHF 1,000.- or even more (in the case of very extensive caries requiring the installation of an inlay, for example)
  • Extraction of a wisdom tooth: from CHF 150.- to CHF 500.-
  • The fitting of a dental crown: from CHF 1,200.- to CHF 3,200.- or even more (it depends on the type of crown as well as the need to additionally fit a dental implant or not)
  • Orthodontic treatment: from CHF 7,000 (single braces) to CHF 15,000.- or more
  • Descaling: from CHF 100.- to CHF 200.-
  • Panoramic X-ray: from CHF 100.- to CHF 150.-

If you only have an annual scaling, the cost of dental care remains reasonable. On the other hand, all it takes is for a problem to arise (decay, damaged tooth, etc.) for the costs to rise to several hundred or even several thousand francs.

What does basic dental care insurance cover?

Basic insurance only covers dental care in certain cases: this care must have been caused by a serious and unavoidable illness.

Dental care will also be covered if it results from an accident.

Note: if you break a tooth by biting into a foreign body (pebble, etc.) hidden in your food, this event is considered an accident and therefore authorizes you to receive coverage for dental care related to it.

What does supplementary dental care insurance cover?

Supplementary dental care insurance cover varies from one health insurer to another.

In general, complementary dental care covers outpatient treatment (caries, etc.) and technical services (crown, implant, bridge, etc.) up to a certain annual amount. They also cover a good part (50% to 90%) of orthodontic treatments.

Do I need supplementary dental care insurance?

The people most in need of supplementary dental care insurance are:

  • children who often have to wear braces
  • people over 60 who are more likely than young people to need dental implants or crowns
  • people with unfavorable genetic predispositions leading them to have a lot of dental problems
  • people with a fragile dental condition
  • people with a vulnerable general state of health (diabetes, stress, pregnancy, etc.) predisposing them to have more frequent dental problems

If you have a good genetic predisposition, have had very few cavities in your life, and never need more than one annual visit to the hygienist for scaling, you might be thinking supplementary dental care insurance is superfluous for you. Indeed, the annual visit to the hygienist alone does not require you to take out additional dental care insurance.

Remember, however, that dental problems can change with age and if a problem does arise, the bill can be steep. If you decide not to take out supplemental dental insurance, make sure you have the funds to pay the bill if a problem arises.

At what age will my child need supplementary dental care insurance?

Some parents believe that a child who does not yet have permanent teeth may not need supplementary dental care insurance.

However, cavities can indeed occur on baby teeth and must be treated.

In addition, be aware that many insurers accept children without a medical questionnaire until the age of about 4 years. Beyond that, your child will have to complete a medical questionnaire and the health insurance fund may refuse to insure him in the event of an unfavorable medical history. If your child can’t buy supplemental dental insurance, you could be in serious financial trouble if they ever have to wear braces.

It is therefore never too early to take out additional insurance for your child, the best thing is to take out this insurance even before birth as part of prenatal insurance.

What should I do to limit dental problems?

Complimentary dental care insurance or not, we can only advise you to take care of your good oral health. Among the measures provided by dentists to prevent the appearance of cavities, we find the following advice:

  • brush your teeth at least twice a day
  • practice an interdental cleaning (dental floss, sticks, or brushes) every day or several times a week
  • using fluoridated salt for cooking
  • go to the hygienist at least once a year for descaling

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