Dental insurance at a glance
Dental top-up insurance covers the cost of dental treatment that is not covered by compulsory basic insurance.
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Reimburses you for the costs of treatment and materials when you have dental work done
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Includes check-ups, dental hygiene appointments, dental technician’s services, orthodontic treatment and more
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Contribution to braces and prostheses
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The eight benefit levels let you adapt your cover perfectly to your needs and budget
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A medical examination is not required if your child is insured before their fourth birthday
What dental insurance covers
Our dental top-up insurance reimburses you for treatment and material costs, including dental technician’s services.
| Insured treatment | Examples |
|---|---|
| Check-up | Check-up examinations (including X-rays) |
| Dental hygiene | Prophylactic measures such as scaling or cleaning |
| Dental conservation | Tooth preservation, caries treatments such as fillings or root canal treatment |
| Orthodontic treatment | Correction of jaw or tooth misalignments, e.g. with removable devices or permanent braces |
| Prostheses | Tooth replacement by, for example, partial or full prostheses, bridges |
| Periodontal treatment | Treatment of periodontium inflammation, e.g. frequent, intensive dental hygiene treatment |
Note: Dental top-up insurance does not cover the cost of accident-related or cosmetic dental treatment, or of dental care products.
You can get the best protection by combining dental top-up insurance with Outpatient top-up insurance.
The eight benefit levels of Visana dental insurance
Choose the benefits that best suit your needs and budget from these eight levels:
| Benefit level | Benefits as % of costs | Maximum benefit per calendar year |
|---|---|---|
| 3 | 50% | CHF 600 |
| 4 | 75% | CHF 600 |
| 5 | 50% | CHF 1,200 |
| 6 | 75% | CHF 1,200 |
| 7 | 75% | CHF 1,500 |
| 8 | 75% | CHF 1,800 |
| 9 | 75% | CHF 3,000 |
| 10 | 75% | CHF 5,000 |
How to interpret the benefit levels:
- Benefit level 3: We will contribute 50% of the cost per treatment for dental treatment up to a maximum of CHF 600 per year.
- Benefit level 7: We will contribute 75% of the cost per treatment for dental treatment up to a maximum of CHF 1,500 per year.
Example calculation of cost coverage
Whether and the extent to which the costs of dental treatment are covered is determined by the benefit class of your dental insurance and by whether you have the even more comprehensive protection provided by Outpatient top-up insurance.
This example calculation illustrates this:
| Insurance | Example: cost of orthodontic treatment | Costs reimbursed by Visana | Non-covered costs |
|---|---|---|---|
| Dental insurance, benefit class 4 (75% of costs, up to a maximum of CHF 600 per calendar year) | CHF 1,230.40 | CHF 600 | CHF 630.40 |
| Outpatient II top-up insurance (80% of costs, up to a maximum of CHF 10,000 per insured person) + Dental insurance, benefit class 4 (75% of the excess costs, up to a maximum of CHF 600 per calendar year) | CHF 1,230.40 | Outpatient II: Dental insurance: excess costs CHF 246.10 | CHF 61.50 |
Discounts on dental insurance
Family discount
You get a 50% discount on top-up insurance premiums for your second child and every additional child in your family who is insured with Visana. You will receive this discount until your child turns 18.
Is dental top-up insurance right for you?
Dental top-up insurance is worthwhile for anyone who wants dental health cover that goes beyond the benefits provided by statutory basic insurance.
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Families with children: ideal protection for regular visits to the dentist, dental corrective work and braces
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People with greater care needs: Covers costs of professional teeth cleaning, check-ups and dental prophylaxis
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Everyone who wants long-term protection for their dental health without significant financial burdens
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People who need orthodontic work
How dental insurance works
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You get treatment from your dentist or a specialist.
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Then you submit your invoices to us.
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Visana checks whether your dental top-up insurance will contribute to the costs.
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If you are entitled to coverage, Visana will contribute to the costs. Please remember that we will not contribute towards accident-related or cosmetic dental treatments.
Your advantages with Visana dental insurance
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Eight benefit levels to suit every need and budget
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Insurance benefits for dental check-ups and dental hygiene
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Contribution towards braces and prostheses
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No health check required if your children are insured before their 4th birthday
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Optimal cover if combined with Outpatient II/III top-up insurance
We will be happy to take the time to explain the advantages of the different dental insurance levels to you at no obligation.
Useful services for you
Having good insurance is half the battle. These services assist you:
See at a glance which benefits your basic insurance covers and what additional advantages our top-up insurance models offer.
You can easily upload invoices and reimbursement receipts via the myVisana app or myVisana customer portal.
With ‘Emergency-Finder’, you are optimally equipped in critical medical situations. This app helps you to assess your symptoms correctly and shows you the nearest emergency ward in real time, along with its current capacity.
The cost-free service is available in the City of Bern and the surrounding metropolitan area.
Insurance that complements this product
Frequently asked questions about dental insurance
Dental insurance and dental top-up insurance are one and the same. Such insurance covers the costs of dental treatment not covered by compulsory basic insurance.
Dental costs can quickly add up. Be it for dental hygiene, braces or regular check-ups at the dentist – dental top-up insurance can pay off by keeping the costs of dental treatment within reasonable limits.
With eight different benefit categories, Visana’s dental insurance also enables you to tailor your cover to suit your budget and individual needs.
Dental top-up insurance is worthwhile for anyone who wants cover that goes beyond the benefits provided by statutory basic insurance and who values high-quality dental treatment.
Those who require expensive services, such as bridges, implants or orthodontic treatment, can also profit from dental insurance.
The benefits provided depend on the health insurer and the specific insurance model. With Visana, dental insurance can be chosen according to personal needs and individual budgets, thanks to eight different benefit categories.
Our dental top-up insurance covers the costs of treatment and materials, including dental technicians’ services, e.g. for the following treatments:
- dental check-ups, including x-rays and dental hygiene;
- restorative dental treatment, such as fillings or root canal treatment;
- orthodontic treatment, e.g. for misaligned jaws or teeth;
- dental prostheses;
- periodontal treatment for inflammation of the gum tissue.
Our dental insurance does not cover accident-related or cosmetic dental treatment, or dental care products.
Dental top-up insurance from Visana does not cover the costs of accident-related dental treatment, of cosmetic dental treatment, such as tooth whitening (bleaching) or aligner braces, or of dental care products.
Dental insurance also makes sense for adults. Visana’s eight benefit categories enable you to tailor your dental top-up insurance to your needs. The insurance can be taken out at any time if, when the application is submitted, your teeth are healthy and no treatment is pending.
With dental top-up insurance, as with other types of top-up insurance: the earlier, the better – ideally while still in childhood. In fact, if you insure your child before their 4th birthday, there is no need for a medical examination.
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Conditions of insurance
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