A Dental Insurance Without a Waiting Period?
Are you considering taking out dental insurance through Helan? Good idea, as maintaining a beautiful smile can be expensive. Keep in mind that there may be a waiting period for certain dental care costs. Read below to find out what the waiting period is when you join Dentalia Up, and which dental care is reimbursed immediately after joining, without a waiting period.
What is the Waiting Period?
A dental insurance covers a risk you hope won't occur. To prevent misuse of this coverage, a waiting period is applied. This is the period from your registration where you must wait before you can start receiving reimbursements. During the waiting period, you will already pay a premium, but you will not receive any reimbursements from your insurance yet.
Sign Up in Time
Sign up in time for dental insurance. This way, you will be well insured when you need expensive dental care, for yourself or your family. Don’t wait until you need to have a tooth extracted, need a denture, or until your child needs a braces.
When Does the Waiting Period Begin?
The waiting period starts on the day you sign up for dental insurance. For example, if you apply for dental insurance on April 17, the waiting period and the insurance will start on May 1. During the waiting period, you will pay premiums, but you won't receive extra reimbursement for certain dental care, such as orthodontics for children, dentures, bridges and crowns, implants, and periodontology.
Does the Waiting Period Always Apply?
Fortunately, there are exceptions to the waiting period. The following cases are exempt from the waiting period:
- For preventive dental care
- For dental damage caused by an accident or treatment for cancer
- If you already have a similar insurance and switch to Dentalia Up
How Long is the Waiting Period?
The length of the waiting period depends on the type of dental care:
- There is no waiting period for preventive dental care and unforeseen dental costs due to an accident or cancer.
- There is a waiting period of 6 months for curative dental care, such as filling cavities, tooth extractions, and dental radiology.
- There is a waiting period of 12 months for orthodontics for young people and for dentures, bridges and crowns, implants, and periodontology.
More Information About Dentalia Up
With the supplementary dental insurance Dentalia Up, you and your family are protected against high dental costs. Once your waiting period is over, you can request reimbursements. Curious about how much you will be reimbursed? See here which dental care costs are covered and for which amounts.
Note: Make sure to visit the dentist for a check-up at least once a year. Both the statutory health insurance and the Dentalia Up dental insurance reimburse more for those who go for preventive check-ups annually.
Considering taking out dental insurance but unsure if it’s worth it? Then check when Dentalia Up is a good choice.
Looking for an Answer to Your Questions?
Do you have a question about the Dentalia Up dental insurance? We are happy to help. You can find answers to the most frequently asked questions on our FAQ page. Additionally, you can also contact our customer advisors through various channels. Together, we will review your question or situation.
Read more about dental insurance
Helan Independent Health Insurance Fund is the insurance agent (n° CDZ 5006c) for ‘MLOZ Insurance’, the VMOB of Independent Health Insurance Funds, (Register of Legal Entities in Brussels, 422.189.629, recognised under no. CDZ 750/01 for branches 2 and 18). View the data sheet and the General Terms and Conditions. Belgian law applies to the insurance contract. The term of the contract is whole life. In the event of any complaint, contact the complaints department of Helan Health Insurance Fund or the insurance ombudsman. For more information about purchasing this/these product(s), please contact Helan Health Insurance Fund. Helan Onafhankelijk ziekenfonds, Boomsesteenweg 5, 2610 Wilrijk, 0411.696.011, RPR Antwerpen, www.helan.be.