What does the basic insurance cover?

The basic insurance in the Netherlands offers limited coverage for dental visits. For adults aged 18 and over, the basic insurance only reimburses costs for dental care in specific situations, such as:

• Necessary surgical interventions: In case of serious issues, such as jaw surgery or certain medical treatments, the basic insurance may cover part of the costs.

• Dental care for children: Until the age of 18, most dental visits for children are covered by the basic insurance, such as check-ups, fillings, and preventive care.

For regular check-ups and standard treatments, such as dental cleanings and filling cavities in adults, the basic insurance usually does not provide coverage.

Dental insurance: additional coverage

If you regularly visit the dentist, it is wise to consider additional dental insurance. With this insurance, you are covered for common dental treatments such as:

• Periodic check-ups: Regular dental check-ups to keep your teeth healthy.

• Tartar removal and teeth cleaning: Treatments for cleaning your teeth.

• Fillings and root canal treatments: Restoration of damaged or infected teeth.

• Crowns, bridges, or implants: More advanced treatments for replacing teeth.

The coverage of additional dental insurance may vary by insurer. It is wise to compare what each insurance policy offers before making a choice.

What should you consider when choosing a dental insurance?

When choosing additional dental insurance, it is important to take your specific dental care needs into account. Consider the following factors:

1. Coverage: Which treatments are reimbursed? Some insurances only cover basic treatments, while others offer more extensive coverage for crowns or orthodontics, for example.

2. Maximum reimbursement: Insurers often have a maximum annual reimbursement. Check if this reimbursement is sufficient for the treatments you may need.

3. Own contribution: Some insurances require a personal contribution for treatments. Pay attention to how much you have to pay yourself.

4. Health of your teeth: If you have few dental problems, extensive dental insurance may be unnecessary. People with complex dental needs may benefit from more comprehensive coverage.

Conclusion: Is dental insurance enough?

In the Netherlands, the basic insurance provides only limited coverage for dental visits, especially for adults. For regular dental care, additional dental insurance is often required. At Dental practice Jacob Obrecht in Amsterdam, we recommend carefully reviewing your dental insurance and choosing coverage that fits your situation. If you have questions about your insurance or the costs of a treatment, please contact our team, and we will be happy to assist you further.