Before selecting new health insurance for next year, schedule a dental check-up. If everything looks good, supplemental dental coverage may not be worth the added cost.
Recent research from a leading agency reveals that about 80% of Dutch residents carry supplemental insurance, with 77% including dental coverage. Notably, one in three policyholders never uses it. For many, paying out-of-pocket for a routine biennial check-up is far cheaper than the annual premium.
Related reading: 'Afraid of the Dentist'
The Netherlands' basic health insurance excludes most dental expenses, including routine care. It may cover certain hospital-based surgical procedures. Frequent issues like cavities, bridges, or crowns? These aren't reimbursed under basic coverage—but supplemental dental plans often provide partial refunds.
Premiums and benefits differ by insurer, ranging from about €7 to nearly €60 per month. The most popular option among Dutch consumers offers €250 annual coverage at 75% reimbursement, with average yearly premiums around €147.50.
Data shows policyholders typically spend less at the dentist than they pay in premiums—losing an average of €128 per year. Routine biannual check-ups alone result in a net loss of about €44.32 annually. Factoring in dental hygienist visits pushes this to €123 yearly.
For those with healthy teeth, self-paying for check-ups and hygiene makes financial sense. Need wisdom teeth removed? Hospital procedures are covered by basic insurance, subject to the mandatory deductible of at least €385.
Source: rtlnieuws.nl
