Dental insurance is one of the fastest growing policies in recent years. Without going any further, between 2011 and 2016, more than 130 %. Thanks to these insurances, you can go to a dental clinic with discounts, and receive certain services for free. Let’s see what we are covered for.
Why dental insurance?
With the crisis, the truth is that, in addition to the appearance of certain “low-cost” clinics, people have sought to obtain similar services at the best possible price. Faced with this demand for dentists at a better price, insurance companies have boosted dental insurance, offering two added values, fundamentally:
- A series of free services per year
- Franchised” prices: the user pays an “excess” per service, which in principle means a saving for the insured compared to if he were to go without his policy.
Logically, insurance companies have had to adjust their margins, and charge very competitive prices for these insurances (from 50 euros a year we can have one), since the clinics themselves have also reduced their rates. In many cases, from X number of insured, they do not charge any more; or make children free of charge.
We also talked about the tax advantages of health and dental insurance for companies and the self-employed.
What benefits does the dental policy offer?
The advantages of this insurance are clear:
Various free services
Thanks to the dental insurance, free of charge, you will be able to enjoy services such as: fluorizations, x-rays, check-ups and consultations, oral cleaning, simple extractions…
Highly discounted services
Likewise, by subscribing to a dental policy, certain benefits will enjoy economic advantages:
- Fillings: less than 30 euros and there are centers that charge up to 60 euros.
- Metal-porcelain crowns: for less than 200 euros, when the average market price is 250-300 euros each.
- Wisdom tooth extraction: in some companies for 15 euros, when there are clinics that charge more than 150 euros.
- …
It is important to be aware of the fact that some companies limit the possibility of going exclusively to their own clinics, while there are other insurers that have an agreed list, but not all of them are their own centers. We prefer the latter, since this way the client can decide between more options.
It is also important to know that certain health insurance policies also include dental coverage, which is logically more limited than the dental insurance itself.
If you want us to review your policy or find the best dental insurance for you, do not hesitate to contact us.
