Is a supplementary dental insurance worth it? Read what basic insurance covers, what to look for and calculate it yourself with the calculator.
Is dental insurance worth it?For children up to 18 most regular dental care, except braces. For adults only specific care, such as specialised oral surgery and full dentures (with own contribution). A regular check-up or filling is not covered for adults.
That depends on your expected costs. If you need a lot of care, for example crowns, implants or braces, it can pay off. With only check-ups and cleaning often not.
The reimbursement percentage, the yearly maximum, the waiting period, which treatments fall under the cover (implants, crowns, braces) and whether you have free choice of dentist.
Supplementary policies usually run per calendar year. Cancel in time and watch out for waiting periods at the new insurer, otherwise you miss out on reimbursement.
You calculate that with our calculator: compare the expected reimbursement with the premium per year. Take into account waiting periods, maximums and that reimbursement often does not apply to all treatments.
Dental insurance is a supplementary insurance with a health insurer. Below are the health insurers and brands active in the Netherlands in 2026, grouped by parent company. Not every brand offers a dental package, and conditions and premiums change every year, so always check the provider's website for the current cover.
Overview based on public information (including Zorgwijzer and the Consumentenbond). The order is not a ranking or recommendation, and Mondzorgkennis.nl is not affiliated with the parties mentioned. Missing a provider, or is a link wrong? Let us know.