3 benefit classes

Supplementary dental insurance

Dental insurance pays costs that are not covered under Swiss basic health insurance. These include costs for tooth cleaning, braces, root canal treatments, cavities, dental implants and more.

Calculate premiums

The monthly premium depends on age, place of residence and gender. Calculate your premium for 2027 and take out the insurance online in the next step.

Supplementary dental insurance in a nutshell

Basic health insurance only pays in the event of serious, unavoidable disorders involving the teeth, oral cavity, jaw or mandibular joints, or if the treatment is required due to a serious general illness. If you only have basic insurance, you will usually have to pay for your dental treatment yourself. That’s why it’s worth taking out dental insurance. This pays for the following:

Orthodontics (braces)
Dental treatments
Dental treatments for children and young people
Bridges and crowns
Dental implants (dentures)
Wisdom tooth removal
Tooth cleaning

We recommend benefit class 4 for children and young people. Up to the young person’s 20th birthday, it pays 75% of the costs for braces with no financial limit. Up to a child’s 5th birthday, there are no health questions to be answered when taking out the insurance.

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Supplementary health insurance

Supplementary dental insurance

Benefit class 1

This benefit class covers 50% of the cost of dental treatments, braces and teeth cleaning – up to CHF 500 per year.

No health check is required.

Calculate premium

Supplementary health insurance

Supplementary dental insurance

Benefit class 3

This benefit class covers 75% of the cost of dental treatments, braces and teeth cleaning – up to CHF 1,500 per year.

Children under 5 do not need a health check.

Calculate premium

Supplementary health insurance

Supplementary dental insurance

Benefit class 4

This benefit class covers 75% of the cost of dental treatments, braces and teeth cleaning – up to CHF 2,000 per year. The plus factor: for people under the age of 20, 75% of the cost of braces is covered with no financial limit.

Children under 5 do not need a health check.

Calculate premium

Useful documents

General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)Special conditions for supplementary dental insurance (PDF)

Frequently asked questions

Does supplementary dental insurance cover braces for teeth?

Braces are not cheap. That’s why in Switzerland many parents take out dentistry insurance for their children. All KPT supplementary dental insurance policies cover part of the cost of braces.

The largest contribution is paid by benefit class 4 dental cover for children and young people. Up to the young person’s 20th birthday, it pays 75% of the costs for braces with no financial limit. From the 20th birthday, it still pays up to CHF 2,000 per year.

When can I take out dental insurance without a health check?

Preventive dentistry insurance – benefit class 1: you do not need a certificate from a dentist.
Comprehensive dental cover – benefit class 3: is your child 5 or older? Then you will need a certificate from a dentist.
Dental cover for children and young people – benefit class 4: is your child 5 or older? Then you will need a certificate from a dentist.

Tip: insure your child before their 5th birthday. as you will not need a certificate from a dentist.

Contact us for advice

Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.

Dental benefits

	Benefit class 1	Benefit class 3	Benefit class 4
Coverage per calendar year	Coverage per calendar year 50% of the treatment costs up to max. CHF 500	Coverage per calendar year 75% of the treatment costs up to max. CHF 1,500	Coverage per calendar year 75% of the up to max. CHF 2,000
,	, Dental hygiene Dental treatment Dental surgery Orthodontics	, Dental hygien Dental treatmen Dental surger Orthodontics	, Dental hygien Dental treatmen Dental surger Orthodontics
Health check	Health check None	Health check From age 5	Health check From age 5 -
	Calculate Premium	Calculate Premium	Calculate Premium

This overview is based on the legal principles established by the HIA and IPA, in particular, and the currently applicable insurance conditions of KPT. All claims are assessed exclusively on the basis of the legal principles and insurance conditions of KPT.

For more information, see kpt.ch/insurance-conditions