Zahnzusatzversicherung

Seit Januar 2005 ist geregelt, wieviel gesetzliche Krankenversicherungen bei Zahnersatz zuzahlen. Fällt die Zahnarztrechnung höher aus müssen die darüber liegenden Kosten selbst getragen werden. Bei Zahnersatz werden in der Regel nur noch 50%-70% der anfallenden Kosten übernommen. Abhilfe schafft eine Zahnzusatzversicherung. Diese private Zusatzversicherung übernimmt etwa 20%-30% dieser Kosten, so dass die Gesamtkosten meist komplett gedeckt sind.

Pro:

  • bezahlt einen Großteil der nicht erstatteten Zahnarztkosten

Kontra:

  • Manche Anbieter begrenzen die jährliche Höchstsumme für Zuschüsse
  • Teure Leistungen (z.B. Implantate) werden oft nicht mitversichert
  • Es werden nur Leistungen bezuschußt, die auch Bestandteil der gesetzlichen Leistungen sind (also z.B. keine Zahnreingung)

Fazit:
Eine Zahnzusatzversicherung macht auf jeden Fall Sinn, wenn man gesetzlich versichert ist und in naher Zukunft Zahnersatzbehandlungen anstehen. Die Tarife der Anbieter unterscheiden sich jedoch oft gravierend, so daß am besten vor einem Abschluß auch mit dem Zahnarzt Rücksprache gehalten werden sollte. Die Höhe des Beitrages richtet sich auch maßgeblich nach dem Alter, es macht also unter Umständen Sinn mit dem Abschluß nicht allzulange zu warten.

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