What are the insurance contract limits and exclusions?

Policyholder's age 21 - 70 years.

30 days waiting period for regular and 90 days waiting period for oral cancer treatment procedures.

Deductible of 50% from sum insured per procedure is applied to certain treatments.

Pre-authorisation of certain treatments are requested in order to be covered by the dental insurance policy.

Cover is not for the treatments to replace the teeth which were already missing on or prior to your policy start date or were extracted during the appropriate waiting period for extractions or for treatment needed on or before that date.

Services or supplies which are not described in article 11 Annex A or which are specifically excluded in terms and conditions.

Preventive treatment (scaling, polishing, fluoride treatments and similar).

Treatment to replace any existing crowns, bridges, dentures or implants.

Cost of hospitals, anaesthesiologists and pathologists except in the case of oral cancer treatment.

Any claims for treatment, replacement or extraction of deciduous teeth (‘baby teeth’).

Any treatment charges which qualify for reimbursement under state dental provision or any other form of insurance, regardless of whether or not you claim these benefits from the state or other insurance provider.

Full list of exclusions is listed in Article 8 of Dental insurance terms and conditions HRK-4:2020.

IMPORTANT PRE-CONTRACTUAL INFORMATION