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Emergency

Dental supplementary insurance not paying? This is often why

You took out dental supplementary insurance, and now it is not paying, or paying only little, for the expensive dental prosthetics? Often certain clauses are behind this that you should know.

Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:

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Your chances of getting your money back

Many dental supplementary insurances have a waiting period (benefits only after some months) and a benefit tier (in the first years the reimbursement is limited in amount). In addition, treatments already recommended or begun before the contract was concluded are often excluded.
Check carefully whether the rejection corresponds to the terms. If the treatment became necessary only after the contract was concluded and the waiting period and benefit tier are observed, you are entitled to the agreed benefit; otherwise you can object.

What you should do now

  1. 1

    1. Check the terms

    Waiting period expired? Benefit tier observed? Treatment recommended only after the contract was concluded?

  2. 2

    2. Question the rejection

    Does the reason for rejection match the insurance terms?

  3. 3

    3. Object

    If you consider the rejection wrong, object in writing and demand the reimbursement.

  4. 4

    4. Ombudsman

    If the insurer stays firm, the insurance ombudsman can help.

Frequently asked questions

Why is my dental supplementary insurance not paying?

Common reasons are a still-running waiting period, the limitation by the benefit tier in the first years, or the exclusion of treatments that were already recommended or begun before the contract was concluded. Check whether the stated reason for rejection really corresponds to the insurance terms; otherwise you can object.

What can I do if the rejection is unjustified?

Object in writing and demand the agreed reimbursement; set out that the treatment became necessary only after the contract was concluded and that the waiting period and benefit tier were observed. If the insurer sticks to the rejection, you can turn free of charge to the insurance ombudsman.

Take action now

We put together the ready-made texts and the right places to contact for you.

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.