The Best Dental Insurances in Belgium that Are Valid in the Netherlands

Belgium offers a wide range of dental insurance policies that are also valid in the Netherlands. These insurances cover a wide range of dental treatments, from oral exams to orthodontics and dentures. Here are the top 5 2024 Belgian dental insurance policies you should consider:

1. Smile Essential by DKV
   • Premium: €10.85 per month
   • Coverage:
     • Tartar removal, oral examination: 100% reimbursement with no annual limit
     • Cavities, extractions, x-rays: 70% reimbursement with no annual limit
     • Dental treatment in case of accident: Up to €10,000 per case
   • Remark: No reimbursement for dentures and implants. No waiting period or medical questionnaire.
2. Smile Comfort by DKV
   • Premium: €12.56 per month
   • Coverage:
     • Tartar removal, oral examination: 100% with no annual limit
     • Cavities, extractions, x-rays: 70% with no annual limit
     • Prostheses and implants: 70% up to €2,000 in the fourth year
   • Remark: Excellent orthodontic reimbursement of €1,500 per insured person.
3. Smile Premium from DKV
   • Premium: €18.27 per month
   • Coverage:
     • Tartar removal, oral examination: 100% with no annual limit
     • Prostheses and implants: 80% up to €4,000 in the fourth year
   • Remark: Suitable for those who need comprehensive coverage, especially for orthodontics.
4. Dentalia Up by Helan
   • Premium: €8.67 per month
   • Coverage:
     • Oral examination and tartar removal: Up to 200% of the agreed rate
     • Prostheses and implants: 50-80% reimbursement
   • Remark: No membership possible after age 64. Family membership required.
5. Dentaplan of Solidaris
   • Premium: €10.11 per month
   • Coverage:
     • Cavities, extractions, x-rays: 100% of cost
     • Prostheses and implants: 75% of the statutory rate plus an additional fee
   • Remark: No age limit, automatically included in supplemental premiums.

Note: These insurance policies are valid in the Netherlands.

Stories about Hospitalization after Unsuccessful Dental Treatments in Turkey

Cheaper treatment abroad can be tempting, especially for dental procedures such as placing crowns or implants. But what happens when things go wrong?

Story 1: Disrupted Vacation, Duration of Recovery
Jan decided to have his dental crowns placed in Turkey. The prices were attractive and the clinic seemed reliable. Unfortunately, after returning to the Netherlands, Jan suffered from severe pain and found that the crowns had not been placed properly. He had to undergo emergency treatment at Dental Benelux, which was not only costly but also caused a lot of discomfort.

Story 2: Inexpert Implants, Double Costs
Marieke had implants placed in Turkey. The surgery seemed successful, but within a few months the implants began to loosen. A visit to a dentist in the Netherlands revealed that the implants had been placed incorrectly and had to be redone. Marieke had to pay thousands of euros again, this time to a specialized dentist in Belgium, to repair the damage.

Important: If you are considering dental treatment abroad, such as in Turkey, be aware that your Belgian insurance will not cover these costs. You may end up with double costs and a lot of inconvenience.

Conclusion
Choosing the right dental insurance can not only save you money, but also prevent a lot of stress and discomfort. Whether you live in Belgium or the Netherlands, these insurances offer excellent coverage for the most common dental treatments. Think twice before choosing cheaper treatments abroad, as it can end up being much more expensive.