If you are reading this article, chances are you are considering undergoing orthodontic treatment such as teeth alignment for adults using Invisalign clear aligners. Basic health insurance (LAMal) reimburses dental treatments only if they are caused by a severe illness or an accident. Therefore, it is essential to have dental supplementary insurance to get reimbursed for orthodontic expenses.
Reimbursement for Adult Dental Braces
Contrary to popular belief, no insurer will cover the total cost of orthodontic treatment. Most supplementary insurances offer a reimbursement of expenses up to an average of 75%, with a maximum coverage ranging from CHF 1’000 to CHF 15’000.- per year. To be well insured, the maximum amount should not be less than CHF 5’000. I recommend you personally contact all insurance companies to request a personalized offer.
Advice from an Adult Orthodontics Specialist
Firstly, if you haven’t already, I advise you to make an appointment with our Dental Geneva office to get an accurate evaluation of your needs and the cost of treatment. This cost depends on the complexity of the misalignment and the desired aesthetic result.
Having your needs evaluated by an orthodontist specialized in adult orthodontics will allow you to choose a more suitable dental supplementary insurance, save substantial amounts of money, and above all avoid unpleasant surprises.
Second advice: be wary of offers proposing low-cost aligners that promise you a Hollywood smile for a few tens of francs per month. This investment may not meet your expectations (read the article), and unfortunately, your dental insurance will not cover a second treatment if the first one did not satisfy you.
Dental Supplementary Insurances in Switzerland
The following table provides an example of coverage for adult orthodontic treatments by the main insurance companies.
The amount of the monthly premium is calculated
for a 30-year-old man living in Geneva.
| Assureur | Formule | Prise en charge des frais orthodontiques | Prime mensuelle (en CHF) |
|---|---|---|---|
| Helsana | DENTAPlus Bronze | 50% des coûts, max CHF 1000.– par année civile | 21.4 |
| DENTAPlus Argent | 75% des coûts, max CHF 2000.– par année civile | 40.2 | |
| DENTAPlus Or | 75% des coûts, max CHF 3000.– par année civile | 62.9 | |
| Visana | Classe 5 | 50% des coûts, max CHF 1200.– par année civile | 38.2 |
| Classe 8 | 75% des coûts, max CHF 1800.– par année civile | 53.4 | |
| Classe 9 | 75% des coûts, max CHF 3000.– par année civile | 83.9 | |
| Classe 10 | 75% des coûts, max CHF 5000.– par année civile | 122.1 | |
| Concordia | Variante 2 | 50% des coûts, max CHF 1000.– par année civile | 33 |
| Variante 3 | 75% des coûts, max CHF 1500.– par année civile | 48 | |
| Variante 4 | 75% des coûts, max CHF 2000.– par année civile | 62 | |
| CSS | Option 1 | 50% des coûts, max CHF 1000.– par année civile | 27.2 |
| Option 2 | 75% des coûts, max CHF 3000.– par année civile | 64.7 | |
| Groupe Mutuel | Dentaire Plus 1 | 75% des coûts, max CHF 1000.– par année civile | 29 |
| Dentaire Plus 2 | 75% des coûts, max CHF 3000.– par année civile | 36 | |
| Dentaire Plus 3 | 75% des coûts, max CHF 15000.– par année civile | 45 | |
| Sanitas | Dental | 80% des coûts, max CHF 5000.– par année civile | 49.7 |
Make an appointment to get an accurate evaluation of your needs and the cost of treatment.
