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What is not covered by my dental insurance?

Not all dental costs are covered by dental insurance. For example, dental care that is not covered by the statutory health insurance will also not be reimbursed by the additional dental insurance. Aesthetic dental care is also not covered by Dentalia Up. Below is a list of the treatments for which dental insurance cannot provide reimbursement.

1. The orthodontic treatments

  • Those that do not entitle you to reimbursement from the mandatory health insurance for members of the Belgian statutory health insurance for medical care and benefits.

  • Those that do not meet the reimbursement conditions of the Belgian statutory health insurance for those who are not members of the Belgian statutory health insurance for medical care and benefits.

  • Those that were started during the waiting period or before joining Dentalia Up (examinations before treatment to define or start the treatment) or started (flat rate for early orthodontic treatment at the beginning of the treatment or flat rate for equipment for regular orthodontic treatment at the beginning of the treatment). These treatments are not covered, even after the waiting period.

2. The dental prostheses and implants

Those that were started during the waiting period or before joining Dentalia Up (examinations before treatment to define or start the treatment) or started (placement of a temporary implant or a temporary prosthesis) are not covered, even after the waiting period, the provisions of Article 14, l) of the annex to the Royal Decree of September 14, 1984, which establishes the nomenclature for medical services under the statutory health insurance for medical care and benefits, where the codes are not followed by a '+' sign.

3. The medications

4. The materials, instruments, devices, medications for dental use or other pharmaceutical supplies and all procedures closely related to the main procedure.

5. The dental prostheses of the types veneers, inlays, onlays, and overlays, regardless of the reason.

6. The deep-drawing plates, regardless of the reason, other than orthodontic retention.

7. The techniques for composite resin infiltration, using an indirectly fabricated brace, aimed at changing the anatomy, volume, or color of one or more teeth.

8. All treatments for ronchopathy (snoring) or sleep apnea, or any other treatment not related to oral health.

9. The costs resulting from an injury sustained during the practice of a sport where wearing face, mouth, or dental protection is customary or mandatory according to the regulations of the relevant sports federation.

10. The costs arising from participation in a fight.

11. Costs that are not related to the provision of the main materials in leasing or subscription type plans.

12. Aesthetic or cosmetic dental care services.

13. The goods and services provided that may be subject to VAT.

14. Costs where the invoicing is contrary to Belgian regulations.

15. Costs that are not necessary from a diagnostic or therapeutic point of view because they are not curative for a disease.

16. Services or treatments that are not medically necessary.

17. Excessive techniques or treatments (over-treatment) in relation to the pathology.

18. Services that are insufficiently therapeutically recognized or that are not taught in at least one of the Belgian faculties granting access to one of the professions listed in Article 4, § 1 of the annex to the Royal Decree of September 14, 1984, establishing the nomenclature for medical services under mandatory health insurance and benefits.

19. Services provided for an insured who refuses to undergo an examination by a dentist expert appointed by the Insurance Mutuality.

20. Services in the case of clear falsification by the healthcare provider and/or the insured or their representative of the dates of service, the requested amounts, or the description of the services.

21. Supplements charged by contracted dentists.

When do you need dental insurance?

Find out why and when dental insurance may be necessary.

Read more

Where can I find the terms and conditions?

Want to know more about your insurance with Helan? You can find all the terms and conditions on our website. Feel free to contact us if you have any questions. We’ll be happy to assist you.

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.