Dental insurance or health insurance with stomatology?

What is the best option for you and your smile?

Going to the dentist regularly is essential – not only to maintain aesthetics, but also oral and general health. If you’re considering insurance, it’s important to understand the differences between dental insurance and the stomatology cover included in health insurance.

Health insurance with stomatology

This type of insurance includes basic dental cover as part of general health insurance.

• It usually covers consultations and simple treatments, such as cleanings or extractions.
• It has a limited annual ceiling – there is a maximum amount that the insurance will cover.
  More complex treatments, such as implants, braces or oral surgery, are not included or are not covered at all.

It is a suitable option if:

• He has few dental needs;
• You’re looking for basic support, complementary to general health insurance.

Dental insurance

This insurance is specifically designed for oral health and offers more comprehensive protection.

• It gives you access to a network of clinics with agreed prices, which are lower than the list prices.
• It can be taken out independently, without depending on health insurance.
• There is no limit to the number of uses and you can start using it as soon as you join.

Main covers:

• Consultations and check-ups
• Dental cleanings and scaling
• X-rays and examinations
• Treatment of cavities, devitalization and restorations
• Implants, orthodontic appliances and prostheses
• Oral surgery
• Dental emergencies
• Possibility of hospitalization cover for surgery
  

It’s the best choice if:

• You have regular needs or complex dental treatments
• Looking for greater savings with access to a wide network
• You already have health insurance, but the dental cover is insufficient

If you are only looking for basic cover, health insurance with stomatology may be enough.
But if you want a more complete solution, with no limits on use and access to more advanced treatments, dental insurance is the most advantageous option.