Dental insurance for children: assured smiles

Dental insurance for children: assured smiles

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15.Nov.2022

Globally, oral diseases are among the most common non-communicable diseases (NCDs), affecting more than 3.5 billion people.

This is one of the conclusions of the 2022 Atlas of Oral Health in Spain, published this year by the Council of Dentists. And the fact is that oral health affects the entire population, but especially children. As they grow up, they will need constant attention, which may even include the need to resort to orthodontics to correct teeth or bite misalignments, for example.  This is why dental insurance is a particularly advantageous option, as these services can be very expensive.

There is a wide range of options and, therefore, making the best decision will require some research into the many alternatives available on the market. To start exploring, here are some variables to take into account:

  • Free of charge: many dental policies offer services related to the prevention and maintenance of good oral health free of charge and as part of the price paid for the health insurance. This free treatment is often a major attraction if you have children. However, check your contract to verify if there is a limit on the number of these procedures per year or the maximum age at which children can benefit from them.
  • A separate policy: if you already have health insurance, your insurance company may offer you the option of taking out additional oral health coverage.  Although it is usually convenient and advantageous for the insured party, it is important to review the guarantees offered by this extension. The supplemental coverage offered by your insurance company may not be as comprehensive as you need, or it may not include the dental services you are looking for. Sometimes it is better to take out a separate policy.
  • Medical directory: make sure you check that the company has a large medical directory including specialists in your area. If your little ones have to wear braces, they may have monthly check-ups. If the dentist is not near your home, the time and travel involved can make the process rather inconvenient and costly.
  • Excesses: most of the policies available in the market will offer you a series of services included within the price of the insurance, some of which will be totally free of charge, and others for which you will be required to pay an excess for the services received. Check well: excesses are not the same in all insurance policies and there can be a huge difference.
  • No doubts: never be left with any doubts. Dental insurance must always clearly specify all the cover included and the conditions.

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