Additional conditions of insurers
Most insurers have additional requirements for orthodontics. There might be a waiting period, medical underwriting or a one-time reimbursement.
Some insurers have waiting periods for reimbursement. This means that you have to be insured for a few months to a year before you’re entitled to reimbursement. So it's good to take this into account when looking for supplemental insurance. And make sure you get that insurance in time so that the waiting period won’t be a problem.
Medical underwriting is when the insurance company looks at your health care costs in the past, present and future. Based on that analysis, they estimate the risk. Do you expect to incur high costs? Then the insurer may choose not to accept your insurance application.
With most health insurers, you’ll receive a once-off reimbursement. This means that during the term of the insurance you’ll only receive the reimbursement once. For example, you’re entitled to a reimbursement of € 1.000? Then you can only claim up to that amount once.