You have a toothache? Please consider the following three rules of conduct for the event of illness:
You are free to choose your dentist. We recommend dentists in private practice who are authorized for all statutory health insurance funds. You can also go to a private dental clinic. However, the fees charged by these clinics often exceed the scope of insurance coverage.
You will receive a medical info card (Ärzte-Info-Ticket) together with your insurance certificate. This card
shall help you in case of illness and necessary treatment. Please provide the physician with this vital
information prior to any treatment. The "Ärzte-Info-Ticket" contains detailed information on invoicing
modalities and your policy's scope of benefits.
Here you can print out your "Ärzte-Info-Ticket":
Ärzte-Info-Ticket (medical info card) (German).
Not all dental treatments are covered. In some cases, a medical costs projection is a necessary precondition for a 100% reimbursement of the reimbursable treatment expenses. We differentiate between emergency treatments and pre-existing medical conditions.
In case of toothache, you usually receive immediate dental treatment. Such treatment aims to reduce pain and to treat the respective tooth. As with any other travel health insurance, the policy covers dental treatment for the relief of new and acute pain (emergency treatment).
The aim of this insurance is to protect you against unforeseen events and against pain. No treatments of undersupplied and root-fractured teeth are covered, since they are regarded as pre-existing medical conditions. Extensive dental restorations which are often medically necessary and reasonable are not covered by this insurance policy.
We insist on a medical costs projection prior to the planned treatment in the following cases:
Without our written approval of the medical costs projection, the reimbursement of the above named benefits is limited to 50% of the reimbursable costs.
Your dentist can send us the medical costs projection by fax prior to starting the treatment. It will be processed in one working day. In case of an emergency, please label your medical costs projection as “urgent”. We will then check these documents within two hours.
You are not sure whether the treatment of an illness is covered?
If you are not sure whether the treatment of your illness is covered, you can call us prior to the treatment. We will inform you about the scope of your insurance and we will tell you what you should consider during treatment.