Ob Krone, Brücke oder Implantat – Zahnersatz ist teuer, wenn man ihn selbst zahlen muss. Da kann die richtige Zahnzusatzversicherung schon sehr helfen. Aus diesem Grund zählen Zahnzusatzversicherungen zu den beliebtesten Versicherungen, die in Deutschland abgeschlossen werden. Jedoch machen viele Menschen Fehler bei der Auswahl und dem Abschluss und sind enttäuscht, wenn es darum geht, eine Leistung von der Versicherung zu erhalten. oftmals wird nicht bedacht, dass die Versicherung eine Wartezeit und/oder einen Staffeltarif hat. Da viele Menschen sich der Preise für Zahnersatz nicht bewusst sind, schließen sie viel zu niedrige Versicherungen ab und müssen am Ende doch alles aus eigener Tasche Bezahlen. Davor möchte ich Dich bewahren.
Daher sind dies meine Tipps für den Abschluss einer Zahnzusatzversicherung:
- Bitte schließe die Versicherung unbedingt rechtzeitig ab. Mit rechtzeitig meine ich: Zu diesem Zeitpunkt sollte kein Behandlungsbedarf bestehen. Deine Zähne sollten weitestgehend gesund sein. Bedenke, dass die Versicherung den Zahnarzt befragt, wenn es zu einer Leistungserbringung kommt. Die Versicherung befragt auch mehrere Zahnärzte, wenn Du bei mehreren gewesen bist. Selbstverständlich sind die Zahnärzte dazu verpflichtet, wahrheitsgemäß auszusagen. Schließlich können deren Aussagen durch Röntgenaufnahen und Befunde überprüft werden.
- Achte darauf, dass die Versicherung nicht nur dann leistet, wenn die gesetzliche Krankenkasse zahlt. Wünschenswert wäre, wenn die Versicherung Dich auch bei folgenden Leistungen unterstützt: professionelle Zahnreinigung, Wurzelbehandlung, Leistungen aus der Parodontitistherapie wie Ozon-, Sauerstoff- Helbobehandlung und Knochenaufbau.
- Die monatlichen Kosten für eine Zahnzusatzversicherung liegen zwischen 10 bis 30 Euro.
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