In our healthcare system, the benefits of the statutory health insurance companies are increasingly restricted. This becomes particularly clear when visiting the dentist, because if surgery such as dentures or crowns is necessary, it can quickly become expensive for the patient. If the measures are to be carried out in spite of the costs, many sufferers have only the credit for dental treatment.
The credit for dental treatment – variants
If the additional costs for dental treatment cannot be met with the available financial means, the loan for dental treatment is an alternative. Dentists in particular now often work with credit institutions to offer the patient a complete package. The conditions offered are usually favorable, but you cannot choose the lender, but accept the partner of the dentist being treated. The invoice amount is not paid to the borrower, but directly to the dentist after the treatment is complete.
The banks are aware of the problem of the increasing self-contribution to dental treatment and they have also reacted there. Most credit institutes now offer the loan for dental treatment, which can turn out to be particularly cheap if you choose the earmarked variant. Due to longer terms, low rates and a low interest rate, a freely available loan can also be a good solution.
You should definitely take enough time to compare the different variants. The APR is a comparable value, which makes it possible to find the cheapest solution. Offers that are offered by direct banks, for example on the Internet, should also be included in the comparison.
Credit for dental treatment – you should be aware of that
Before each cost estimate there is an examination, which determines which treatment is necessary. As a rule, the health insurance companies only take over operations that maintain or restore the patient’s health. In dentistry, however, aesthetic aspects also play an important role, which, although not physically necessary, are recommended for the well-being of the patient. The costs will only be covered to a limited extent, but an application should still be made so that the loan amount can be reduced to a minimum.
Furthermore, it is advisable to have a counter-opinion or a second treatment plan made by another dentist. This makes it easier to check which steps are urgently needed and which one could only be taken. Applying for a dental treatment loan directly from the dentist is easy and usually cheap, but you should still compare here and at least ask your bank.