Dental treatment in Germany is expensive, also because the health insurance does not necessarily have to cover the costs of treatment. Even if additional payments are made, these are usually only paid out in a certain percentage of the total, so that the patient himself has to bear the difference between total costs and grants. In the case of comprehensive treatment, even this difference can amount to a high four-digit sum. On the other hand, the treatment is carried out entirely at your own expense, and the dentist’s bills are even higher.
For this reason, almost every dentist with his own practice in Germany also offers a financing model that can be used to pay for the treatment in installments. These loans are made in cooperation with various banks, which the dentist maintains independently. Therefore, the financing path proposed by the dentist does not necessarily represent the cheapest form of financing for the borrower.
It is more important as a patient and prospective debtor to know his options and to compare them in terms of costs. A credit from the free market economy often also has the advantage that the amount of the installments and the term can be set independently. Financing from dental practices is often a little less flexible in this regard.
Bright white teeth with a loan
The dental loan with installment payment can be found on the Internet via an independent, free and non-binding loan comparison. All (direct) banks in Germany and Switzerland are recorded from each side and their conditions are compared depending on the term and the amount of the loan. As a result, borrowers can be sure to get a loan that has been chosen in the best possible way. Of course, the term can largely be adjusted according to your own wishes, but as a borrower you should note in advance that the monthly installments do not exceed your own budget due to the short term.
The dental loan with installment payment can be used to cover both additional payments, but also to fully fund treatments. Whether the health insurance company pays a supplement or not always depends on the need for treatment. If only cosmetic defects are remedied, for example by teeth whitening, the patient almost always has to pay the costs out of his own pocket. However, if the operation on the dentition is absolutely necessary from a medical point of view, the insurance company takes action and pays at least a partial amount. Provided, of course, that the patient also has the necessary insurance policy.
Stay flexible – even at the dentist
A dental loan with payment in installments gives the borrower a high degree of flexibility and at the same time secures the financing of the treatment. So that the dental loan with installment payment can also be taken up in the appropriate amount, the dentist should prepare a precise cost estimate in advance. It is important here that all possible after-treatments are already fully recorded in this estimate.