Expat health insurance covers up to €500 per policy year for pain-relieving restorative dental treatment, including tooth extractions, pain medication, cavity treatment, simple fillings, and repairs to an existing denture, crown, implant, or orthodontic appliance. Coverage applies only to new dental problems that develop after the policy starts. Routine check-ups, cleanings, new dental replacements, and pre-existing dental issues are not covered.
What dental treatments does expat health insurance cover?
Expat health insurance 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. This coverage applies only to new dental problems that develop after the policy starts.
Does expat health insurance cover repairing or replacing a denture, crown, or implant?
Repairing an existing denture, crown, implant, or orthodontic appliance is covered under expat health insurance, up to the €500 per policy year restorative treatment limit. Replacing one of these with a new one is not covered.
Are dental replacements (dentures) covered?
Dental replacements, also referred to as dentures, are not covered under expat health insurance. This includes pivot teeth, inlays, crowns, orthodontic treatment, functional analysis and functional therapeutic measures, and dental implants, when these involve getting a new replacement rather than repairing an existing one.
Are dental check-ups and cleanings covered?
Routine dental check-ups and cleanings are not covered under expat health insurance. If a dental issue is identified during a check-up, the resulting treatment is also not covered, even if it would otherwise qualify as pain-relieving restorative treatment. Coverage only applies when a new dental problem itself prompts the visit.
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. Expat health insurance covers therapeutic aids only when they treat an injury from an accident, up to €500 per policy year under that benefit, so a night guard or retainer is covered only when it's related to an accident.
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.