Frequently asked questions

To join to dental insurance do I need to provide status of my teeth?

No, you don’t have to provide it. Everybody in the age from 19 to 80 can join to dental insurance despite of status of the teeth.

Does my insurance premium depend on my health status of the teeth?

No, it does not. Insurance premiums and benefits are the same to everybody.

What is qualifying (waiting) period?

Qualifying (waiting) period is a period between the policy commencement date and the point at which insurer will reimburse claims for dental treatment.  Qualifying periods do not apply in case of emergency and accident treatment or upon renewal of the policy.

Can I join to dental insurance if tooth/some teeth has been removed?

Yes, you can but dental insurance would not cover the replacement with the implant (only Gold package) of the tooth/teeth which were removed before or on the commencement date.  The tooth which is removed during a policy period would be covered by insurance.

Can I join insurance immediately or I need to wait for the offer first?

You can join immediately by applying on website <a href=”https://hambaravikindlustus.ee/avalduse-vorm” target=”_blank” rel=”noopener”>www.hambaravikindlustus.ee ‘Application form'</a>

To receive dental insurance benefits do I need to go to only certain dental clinics?

No, you can get dental insurance benefits in your regular (favourite) dental clinic. If you don’t have one you can chose dental clinic from the list of <a href=”http://english.hambaravikindlustus.ee/partner-clinics/” target=”_blank” rel=”noopener”>’Partner clinics'</a> available on www.hambaravikindlustus.ee

Would dental insurance compensate the filling of my teeth?

If you have joined to insurance and your dentist is doing filling during the waiting period (90 days from the commencement ) then insurance would not cover this treatmeInsuranceance would cover your fillings made after waiting period, 1 filling per tooth per 2 years.

In which dental clinics I can get dental insurance benefits?

In any dental clinic in Estonia where you want to receive your dental insurance cover and in case of emergency dental treatment in any dental clinic in Estonia and abroad.

Can I pay insurance premium for another person?

Yes you can pay an insurance premium for yourself, for your parents, for your children or for your friends with your bank card.

Can I terminate the policy after I have used all benefits?

The insurer has enabled monthly payments so it would be more affordable for you. You can’t terminate your policy after you have used all the benefits given to you, it would be insurance fraud.

Are cleaning/polishing/covering with protective varnish covered by the dental insurance?

No, these procedures are so-called beauty or cosmetic procedures which are excluded by dental insurance terms. Dental insurance is covering real dental treatment procedures up to certain benefit level.