When to choose health insurance with dental coverage?

insurance

Spain is one of the few countries in the European Union without dental coverage in public health. Dental extractions, phlegmon, or trauma, are the only services that we can choose. In the case of dental cleanings, endodontics, or fillings, among others, it is necessary to go to a private dental center.

Bearing in mind that each Spanish household spends an average of 435 euros per year on dentists, according to the latest data published by the National Institute of Statistics (INE), it is logical that more than one choice to take out medical insurance with dental coverage, with which We can opt for all treatments for free, or at a discount.

From Vital Seguro, experts in health insurance, throughout this article we explain what health insurance with dental assistance consists of, what the main coverages are, whether or not it is a good option to hire one, and who it is specifically aimed at.

What is health insurance with dental coverage?

Practically all the insurers that we find in Spain offer medical insurance with different coverages, depending on how much we are willing to pay. That is, we can find basic, intermediate policies with Premium options.

Within this health insurance, there may or may not be, including dental coverage. Or, the option of hiring it separately.

Insurance coverage with dental assistance

Insurance coverage with dental assistance will depend on the type of insurance we have contracted. Generally, preventive dentistry is included, and discounts on more complex treatments:

  1. In insurance with basic dental care, we will include some tests such as X-rays, extractions, or an annual dental cleaning, as well as a small discount on other treatments.
  2. Those with more extensive coverage offer treatments such as endodontics, dental implants, or orthodontics, with an interesting discount.

However, when hiring insurance with dental assistance, we not only have to take into account the coverage that is included, but also the network of clinics or centers available near our place of work or home.

Health insurance with dental coverage is a good option

The number of people who take out health insurance is increasing. Being able to visit a specialist, without having to go through the family doctor first, a shorter waiting list, or a greater number of diagnostic tests, are just some of the main reasons.

The most basic dental insurances, unlike public health in Spain, offer at least one oral cleaning, as well as diagnostic tests such as X-rays.

Let us remember that, according to the General Council of Dentists in Spain, at least 95% of adults in our country have cavities. And, in addition to avoiding excess sugar or properly cleaning your teeth, it is also necessary to visit the dentist regularly to prevent its appearance.

What are the requirements to hire him?

To take out health insurance, insurers will request a series of requirements, such as those listed below:

  1. Being a natural person
  2. Minors must be accompanied by their mother, father, or guardian on the policy.
  3. Depending on the insurer, it will not be possible to take out health insurance after the age of 65 or 70.
  4. We will have to fill out a health questionnaire, to reveal possible pre-existing diseases. In some cases, insurance may refuse to provide us with health insurance.

Who is it specifically aimed at?

Health insurance with dental assistance is especially aimed at those people who know the importance of taking care of their oral health, for their physical and mental well-being.

If you need more information about the coverage of medical insurance with dental coverage, do not hesitate to contact us without obligation.

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By Michael Caine

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