Expat health insurance dental coverage depends on whether you have the basic or premium plan. The basic plan covers up to €500 per policy year for pain-relieving restorative treatments, such as extractions, pain medication, cavity treatment, simple fillings, and repairs to existing dentures, crowns, implants, and orthodontic appliances. The premium plan covers the same treatments up to €1,000, plus separate annual benefits for check-ups, cleanings, and dental replacements after a 6-month waiting period.
What dental treatments are covered by expat health insurance plans?
Expat health insurance plans offer dental treatment coverage that varies depending on whether you have the basic plan or the premium plan.
The basic plan covers up to €500 per policy year for pain-relieving restorative dental treatments, simple fillings, and repairs to existing dentures, crowns, implants, and orthodontic appliances.
The premium plan covers up to €1,000 per policy year for the same treatments and adds separate annual benefits for check-ups, cleanings, and dental replacements after a 6-month waiting period.
Coverage under both plans applies only to dental problems that develop after the policy starts.
A €25 deductible applies per insured event across the policy.
What dental treatments are covered by the basic plan?
The basic plan covers up to €500 per policy year for pain-relieving restorative dental treatment. Common examples include:
Tooth extractions
Medication such as antibiotics or pain relievers
Treatment of a cavity, simple fillings
Coverage also includes repairs to an existing denture, crown, implant, or orthodontic appliance, when a dentist prescribes or performs the treatment. Repairing an existing denture, crown, implant, or orthodontic appliance is covered, but replacing it with a new one is not covered under the basic plan.
Routine check-ups and cleanings are not covered under the basic plan, and any dental issue identified during a check-up is not covered either, even if the resulting treatment would otherwise qualify.
The basic plan does not provide dental benefits beyond these categories.
What additional dental coverage does the premium plan provide?
The premium plan covers up to €1,000 per policy year for pain-relieving restorative dental treatments, the same type of treatment covered under the basic plan. After you've held the premium plan for at least 6 months, the following additional benefits become available each policy year, separate from and in addition to the €1,000 restorative treatment allowance:
Up to €200 for dental check-ups
Up to €100 for dental cleanings
Reimbursement for dental replacements at 80% of the invoice amount, up to €1,250 per policy year
What types of dental replacements (dentures) are included under the premium plan?
The premium plan defines dental replacements, also referred to as dentures, as pivot teeth, inlays, crowns, orthodontic treatment, functional analysis and functional therapeutic measures, and dental implants. These are reimbursed at 80% of the invoice amount, up to €1,250 per policy year.
Does expat health insurance cover pre-existing dental issues?
Expat health insurance dental coverage applies only to new dental problems that arise after the policy becomes effective. Treatments for pre-existing dental issues are not covered under either the basic or premium plan.
Are night guards or retainers covered by expat health insurance?
Night guards and retainers are usually not covered, because the underlying dental issue is typically a long-standing, pre-existing condition. Both the basic and premium plans cover therapeutic aids only when they treat an injury from an accident, so a night guard or retainer is covered only when it's related to an accident, up to €500 per policy year under that benefit.